PRAMOUSCO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €1.82M and a net result of €1.71M. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 95% of 1423 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €1.82M
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
63 d early
2022
34 d early
2021
39 d early
2020
1 d early
2019
9 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€1.82M▲ 1,002%
2023 · €165k
2018: €174k
2019: €567k
2020: €1.02M
2021: €1.01M
2022: €165k
2023: €165k
2018 → 2024
Net result
€1.71M▼ 31.1%
2023 · €2.48M
2018: €107k
2019: €393k
2020: €452k
2021: €1.29M
2022: €2.38M
2023: €2.48M
2018 → 2024
Total assets
€1.89M▼ 28.9%
2023 · €2.66M
2018: €239k
2019: €752k
2020: €1.36M
2021: €2.51M
2022: €1.79M
2023: €2.66M
2018 → 2024
Solvency
96.4%▲ 90.2pp
2023 · 6.2%
2018: 72.8%
2019: 75.4%
2020: 75.1%
2021: 40.3%
2022: 9.2%
2023: 6.2%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.02M-€1.01M▼ 0.8%€165k▼ 83.6%€165k=€1.82M▲ 1,002%
Operating result€600k-€1.72M▲ 187%€3.24M▲ 88.4%€3.12M▼ 3.6%€2.23M▼ 28.7%
Net result€452k-€1.29M▲ 186%€2.38M▲ 84.2%€2.48M▲ 4.1%€1.71M▼ 31.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 29% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.89M
Fixed assets
€185k▲ 95.1%
Current assets
€1.70M▼ 33.5%
Equity and liabilities €1.89M
Equity
€1.82M▲ 1,002%
Debt
€68k▼ 97.3%
The debt ratio falls from 93.8% to 3.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
96.4%▲
2023 · 6.2%
ROE
93.7%
ROA
90.3%▼
2023 · 93.2%
Debt
€68k▼
2023 · €2.49M
Debt ≤ 1 year
€68k▼
2023 · €2.49M
Income taxes
€565k▼
2023 · €787k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.66M€1.89M▼
Fixed assets21/28€95k€185k▲
Tangible fixed assets22/27€13k€103k▲
Plant, machinery and equipment23€0-
Furniture and vehicles24€5k€96k▲
Other tangible fixed assets26€8k€7k▼
Financial fixed assets28€82k€82k=
Current assets29/58€2.56M€1.70M▼
Amounts receivable within one year40/41€1.09M€17k▼
Trade receivables40€1.00M€0▼
Other amounts receivable41€92k€17k▼
Current investments50/53€1.10M€1.04M▼
Cash at bank and in hand54/58€367k€640k▲
Deferred charges and accrued income490/1€5k€12k▲
Equity and liabilities
Total equity and liabilities10/49€2.66M€1.89M▼
Equity10/15€165k€1.82M▲
Contributions10/11€90k€90k=
Reserves13€5k€5k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€70k€1.73M▲
Amounts payable17/49€2.49M€68k▼
Amounts payable within one year42/48€2.49M€68k▼
Financial debts43€29€634▲
Other loans439€29€634▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€1k€0▼
Taxes450/3€1k€0▼
Other amounts payable47/48€2.49M€64k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€440€0▼
Gross operating margin9900€3.14M€2.25M▼
Operating profit (loss)9901€3.12M€2.23M▼
Financial income75/76B€76k€44k▼
Recurring financial income75€76k€44k▼
Financial charges65/66B€-64k€59▲
Recurring financial charges65€-64k€59▲
Profit (loss) for the period before taxes9903€3.26M€2.27M▼
Income taxes67/77€787k€565k▼
Profit (loss) for the period9904€2.48M€1.71M▼
Profit (loss) for the period to be appropriated9905€2.48M€1.71M▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.55M€1.78M▼
Profit (loss) brought forward from the previous period14P€70k€70k=
Profit to be distributed694/7€2.48M€50k▼
Return on contributions (dividend)694€2.48M€50k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 24current ratio 25.07
Current ratio from 1.03 to 25.07; short-term debt falls from €2.49M to €68k.
31-12
Financial
Equity above €1MEq €1.82M ▲1002%
7 profitable years in a row build equity to €1.82M.
29-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €2.48M ▲4.1%
Net result €2.48M, the highest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €1MEq €1.02M ▲79.6%
3 profitable years in a row build equity to €1.02M.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €500kEq €567k ▲225%
2 profitable years in a row build equity to €567k.
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Overijse · 1 establishment unit since 2018
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Stakaardstraat 103090 OverijseGround area
968 m²
Building footprint
176 m²
Volume, LiDAR
1,230 m³
Parcel 23544C0730/00S002, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PRAMOUSCO
since 20182.276.763.115
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23544C0730/00S002 | Flanders | 968 m² | 1 · 176 m² | 9.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,511 companies in sector 66199 we hold annual accounts for 917. 447 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-2018
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
64999Other financial services
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.