PRD Tours
ActiveThe computed 12-month bankruptcy probability of PRD Tours is 2.3% (moderate). The 2025 annual accounts show equity of €47k and a net result of €22k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 29% of 429 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
70
/ 100
Healthy▼ -16 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency45▼-41
Growth52=
Stability100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.31 against 8.09 in 2024), but 82.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 79
Relative position
BE, all sectors
reference
Sector 79
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
17.8%
Return on assets
8.2%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
9 d early
2024
16 d early
2023
2 d late
2022
40 d early
2021
44 d early
2020
26 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▼ 34.1%
2024 · €72k
2021: €44k
2022: €51k
2023: €55k
2024: €72k
2021 → 2025
Total assets
€266k▲ 53.3%
2024 · €174k
2021: €58k
2022: €115k
2023: €202k
2024: €174k
2021 → 2025
Net result
€22k▲ 9.6%
2024 · €20k
2021: €26k
2022: €7k
2023: €3k
2024: €20k
2021 → 2025
Working capital
€151k▼ 0.8%
2024 · €152k
2021: €57k
2022: €110k
2023: €169k
2024: €152k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€44k-€51k▲ 16.9%€55k▲ 6.4%€72k▲ 31.9%€47k▼ 34.1%
Operating result€-3k-€-1k▲ 43.5%€2k€27k▲ 1,568%€15k▼ 45.5%
Net result€26k-€7k▼ 71.8%€3k▼ 55.6%€20k▲ 508%€22k▲ 9.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €266k
Equity
€47k▼ 34.1%
Debt
€219k▲ 115%
The debt ratio rises from 58.5% to 82.2%: debt grows while equity shrinks.
Key figures and ratios
Solvency
17.8%▼
2024 · 41.5%
Current ratio
2.31▼
2024 · 8.09
Quick ratio
2.31▼
2024 · 8.09
Debt / equity
4.61▲
2024 · 1.41
ROE
46.2%▲
2024 · 27.8%
ROA
8.2%▼
2024 · 11.5%
Debt
€219k▲
2024 · €102k
Debt ≤ 1 year
€115k▲
2024 · €21k
Income taxes
€6k▲
2024 · €6k
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 · 2025 against 2024
Balance sheet
Code20242025
Total assets
20/58€174k€266k▲
Current assets
29/58€174k€266k▲
Amounts receivable within one year
40/41€47k€72k▲
Cash & bank
54/58€104k€140k▲
Total equity & liabilities
10/49€174k€266k▲
Equity
10/15€72k€47k▼
Contributions / capital
10/11€30k€30k=
Reserves
13€42k€17k▼
Amounts payable
17/49€102k€219k▲
Amounts payable within one year
42/48€21k€115k▲
Trade debts payable within one year
44€6k€17k▲
Income statement
Code20242025
Gross operating margin
9900€27k€15k▼
Operating result
9901€27k€15k▼
Financial income
75€2k€17k▲
Financial charges
65€3k€4k▲
Result before taxes
9903€26k€28k▲
Income taxes
67/77€6k€6k▲
Net result for the period
9904€20k€22k▲
Result to be appropriated
9905€20k€22k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
31-12
Financial
Weakest financial yearnet €3k ▼55.6%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
ALMEYE & C°
BE 0478.911.863
Deinze · Eq €47k
Bnbe
BE 0711.941.002
Braine-l'Alleud · Eq €48k
NAMUN Group
BE 0793.509.389
Brussel · Eq €48k
BELBUR Travel
BE 0843.246.338
Ukkel · Eq €46k
CROWN CONSULTANCE
BE 0727.898.193
Elsene · Eq €50k
Of 530 companies in sector 79120 we hold annual accounts for 194. 138 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2020
Fiscal year end31-12
Activities, NACEBEL
79120Travel agency, tour operator and other reservation service and related activities
62900Other information technology and computer services
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
79110Travel agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-07-2026. Scores and ratios are computed by Checked and are not a credit decision.