Equity
€2.0m ▲ 2.8%
PRAKTIMMO has made a profit without a break since 2011.
PRAKTIMMO
Lifetime
19 annual accounts with figures on one time axis, 21 filings since 2005peak €497,151 (2017)
€88,886▼ 46.5%
lowest -€4 (2010)
€54,481▼ 34.9%
peak €2.0m (2025)
€2.0m▲ 2.8%
€65,961▼ 50.8%
Board4 names since 2004
3 directorsKatrijn De Smet and 2 others
Documentsfilings and deeds
09-12-2025142 days before the deadline
2025micro format
Gross margin from €166,035 to €88,886Result from €83,653 to €54,481Debts from €134,049 to €65,961Investments €547,311Cash from €627,734 to €86,870
Key points
from the 2025 annual accountsInvestments
€547,311 17.2 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 124.9% higher than in 2024.
Filings
21 annual accounts since 2005
The last five annual accounts were filed 112 to 142 days before the end of the period.
Checked score
97
Excellent
Financially stronger than 76% of small companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 6,995 companies (NACE 68, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025lowest value
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025highest value
02-2026: < 0.1%● unchanged vs 01-2026highest value
03-2026: < 0.1%● unchanged vs 02-2026highest value
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Size: total assets €2.0m
Equity €2.0m (96.8% of total assets)
Founded in 2004
Figures for financial year 2025 (filed on 11-12-2025)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, small). It does better than 92% of them on solvency, 80% on liquidity, 77% on profitability and 56% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 14,766 companies had the same profile as PRAKTIMMO has now. Each dot stands for 37 companies, two years later.
96.2%
were still trading
3.5%
stopped another way
0.2%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of PRAKTIMMO itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 14,766 companies, not a prediction for PRAKTIMMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €190,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 5.8 (6.8 in 2024), above the usual 1.5. Short-term debt is 3.2% and cash 4.3% of total assets. 3.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-12-2025, 142 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
142 days early
2024
140 days early
2023
128 days early
2022
112 days early
2021
131 days early
2020
134 days early
2019
143 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 133 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 20 December (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end09-11-2026 today30-04-2027 deadline
Board and ownership
- Katrijn De Smet 93 sharesdeed of 28-02-2023
- Luc Van der Gucht 93 sharesdeed of 28-02-2023
- Jef Van der Gucht 62 sharesdeed of 28-02-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0863228041
Environmental permit granted
Bouwen of herbouwen, Een grond gebruiken, aanleggen of inrichten, Hoogstammige bomen vellen die geen deel uitmaken van een bos and 4 more · Temse
Merger: PRAKTIMMO takes over PRAKTI-BOUW
Reappointments: Luc Van der Gucht, Katrijn De Smet and Ward Van der Gucht · “De vennootschap heeft tot voorwerp:” (deed in Dutch) · Legal-form conversion: to private limited company · General meeting of 03-04-2023 · Gazette deed
Merger proposal: PRAKTIMMO takes over PRAKTI-BOUW
Katrijn De Smet holds 142 shares (18.93%) · Jef Van der Gucht holds 250 shares (33.33%) · Ward Van der Gucht holds 250 shares (33.33%) · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PRAKTIMMO Temse | €2.0m | €88,886 | 96.8% | - |
| ANTONELLO Wortegem-Petegem | €2.1m | €65,192 | 32.9% | 0 |
| KEY CONSULT Beveren-Kruibeke-Zwijndrecht | €2.3m | €60,857 | -12.4% | - |
| MDias Nazareth-De Pinte | €1.9m | €65,257 | 11.4% | - |
| AISYS Lokeren | €1.8m | €116,072 | 44.5% | 0 |
| CHRIMARFLOR Deinze | €1.7m | €60,798 | 4.2% | - |
| E.R.-IMMO Genk | €2.2m | €85,620 | 19.3% | - |
These companies have the same main activity as PRAKTIMMO: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €1.7m and €2.3m, founded between 2000 and 2007.
Official details
Source: KBO- Status
- Active since 05-02-2004Normal situation
- Activity
- Development of residential building projectsNACE 68121
- Establishment unit
- 2.135.726.0069140 Temse, since 05-02-2004
- Financial year end
- 30 September
- Peppol
- Reachable since 10-12-2025
Annual accounts to 30-09-2025
- ≈ €230,000estimated
- €2.0m▼ 0.7%
- Filing
- Filed on 09-12-2025, 142 days before the end of the filing period
Insights on PRAKTIMMO
PRAKTIMMO files the micro format. That format states no turnover. The gross margin fell from €478,468 in 2007 to €88,886 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PRAKTIMMO
- What is the company number of PRAKTIMMO?
- The company number of PRAKTIMMO is 0863.228.041. The VAT number is the same number with BE in front: BE 0863.228.041.
- Where is PRAKTIMMO based?
- The registered office is at Frankrijkstraat 7, 9140 Temse.Company details
- What does PRAKTIMMO do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of PRAKTIMMO?
- PRAKTIMMO is a private limited company (BV).
- When was PRAKTIMMO founded?
- PRAKTIMMO was founded on 05-02-2004.
- Is PRAKTIMMO still active?
- Yes, PRAKTIMMO is an active enterprise in the KBO register.
- What is the turnover of PRAKTIMMO?
- The turnover in financial year 2025 is ≈ €230,000. This figure is estimated from the gross margin of €88,886 and 48 comparable companies (NACE 681). It probably lies between €120,000 and €550,000.Financials
- Is PRAKTIMMO profitable?
- In financial year 2025, PRAKTIMMO made a profit of €54,481.
- Where can I find the annual accounts of PRAKTIMMO?
- PRAKTIMMO filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PRAKTIMMO due?
- PRAKTIMMO must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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