PREDIS
ActiveSummary
PREDIS has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €51k and a net result of €13k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 72% of 6720 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability88▲+8
Solvency85▲+13
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.51 against 1.32 in 2023; short-term debt: 39.5% and cash: 44.8% of total assets), and 39.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 49
Relative position
BE, all sectors
reference
Land transport and transport via pipelines (NACE 49)
about 141% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
60.5%
Return on assets
15.3%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-10-2025, 90 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
90 d late
2023
78 d late
2022
63 d late
2021
31 d late
2020
31 d late
2019
101 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€51k▲ 33.8%
2023 · €38k
2018: €26k
2019: €24k▼ -7.2% vs 2018
2020: €15k▼ -37.4% vs 2019
2021: €14k▼ -9.1% vs 2020lowest in 7 years
2022: €31k▲ +125% vs 2021
2023: €38k▲ +23.5% vs 2022
2024: €51k▲ +33.8% vs 2023highest in 7 years
2018 → 2024
Total assets
€85k▲ 4.8%
2023 · €81k
2018: €53klowest in 7 years
2019: €105k▲ +99.2% vs 2018highest in 7 years
2020: €60k▼ -42.5% vs 2019
2021: €88k▲ +45.6% vs 2020
2022: €86k▼ -2.0% vs 2021
2023: €81k▼ -6.1% vs 2022
2024: €85k▲ +4.8% vs 2023
2018 → 2024
Net result
€13k▲ 77.5%
2023 · €7k
2018: €-1k
2019: €-2k▼ -33.0% vs 2018
2020: €-9k▼ -382% vs 2019lowest in 7 years
2021: €-1k▲ +84.7% vs 2020
2022: €17k▲ +1343% vs 2021highest in 7 years
2023: €7k▼ -57.7% vs 2022
2024: €13k▲ +77.5% vs 2023
2018 → 2024
Working capital
€17k▲ 54.5%
2023 · €11k
2018: €26khighest in 7 years
2019: €-19k▼ -175% vs 2018lowest in 7 years
2020: €-7k▲ +64.4% vs 2019
2021: €-16k▼ -132% vs 2020
2022: €499▲ +103% vs 2021
2023: €11k▲ +2108% vs 2022
2024: €17k▲ +54.5% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€15k-€14k▼ 9.1%€31k▲ 125%€38k▲ 23.5%€51k▲ 33.8%
2020: €15k
2021: €14k▼ -9.1% vs 2020lowest in 5 years
2022: €31k▲ +125% vs 2021
2023: €38k▲ +23.5% vs 2022
2024: €51k▲ +33.8% vs 2023highest in 5 years
Operating result€-7k-€2k€19k▲ 1,136%€11k▼ 41.3%€17k▲ 59.2%
2020: €-7klowest in 5 years
2021: €2k▲ +121% vs 2020
2022: €19k▲ +1136% vs 2021highest in 5 years
2023: €11k▼ -41.3% vs 2022
2024: €17k▲ +59.2% vs 2023
Net result€-9k-€-1k▲ 84.7%€17k€7k▼ 57.7%€13k▲ 77.5%
2020: €-9klowest in 5 years
2021: €-1k▲ +84.7% vs 2020
2022: €17k▲ +1343% vs 2021highest in 5 years
2023: €7k▼ -57.7% vs 2022
2024: €13k▲ +77.5% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 59% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €85k
Fixed assets
€34k ▼ 2.7%
Current assets
€50k ▲ 10.6%
Equity and liabilities €85k
Equity
€51k ▲ 33.8%
Debt
€33k ▼ 21.3%
Debt's share of the balance-sheet total falls from 52.6% to 39.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€28k▲
2023 · €15k
Cash flow
€23k▲
2023 · €11k
Current ratio
1.51▲
2023 · 1.32
Debt to equity
0.65▼
2023 · 1.11
ROE
25.2%▲
2023 · 19.0%
ROA
15.3%▲
2023 · 9.0%
Interest coverage
20.47▲
2023 · 8.87
Debt ≤ 1 year
€33k▼
2023 · €35k
Income taxes
€3k▲
2023 · €2k
Staff costs
€2k▲
2023 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€81k€85k▲
Fixed assets21/28€35k€34k▼
Tangible fixed assets22/27€35k€34k▼
Plant, machinery and equipment23€3k€7k▲
Furniture and vehicles24€32k€27k▼
Current assets29/58€46k€50k▲
Amounts receivable within one year40/41€19k€13k▼
Trade receivables40€14k€11k▼
Other amounts receivable41€5k€2k▼
Cash at bank and in hand54/58€26k€38k▲
Equity and liabilities
Total equity and liabilities10/49€81k€85k▲
Equity10/15€38k€51k▲
Contributions10/11€19k€19k=
Reserves13€20k€32k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€18k€31k▲
Amounts payable17/49€42k€33k▼
Amounts payable after more than one year17€8k-
Financial debts170/4€8k-
Amounts payable within one year42/48€35k€33k▼
Current portion of amounts payable after more than one year42€7k€8k▲
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Remuneration and social security454/9€17€17=
Other amounts payable47/48€19k€19k▼
Income statement
Code20232024
Non-recurring operating income76A-€10k
Remuneration, social security and pensions62€1k€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€10k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€660
Other operating charges640/8€2k€5k▲
Non-recurring operating charges66A€26k-
Gross operating margin9900€44k€36k▼
Operating profit (loss)9901€11k€17k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€9k€16k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€7k€13k▲
Profit (loss) for the period to be appropriated9905€7k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€13k▲
Transfer to equity691/2€7k€13k▲
To other reserves6921€7k€13k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €21k | - | - | €10k | - |
| Remuneration, social security and pensions62 | - | €704 | €345 | €1k | €2k | ▲ 72.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22k | - | €15k | €4k | €10k | ▲ 177% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €660 | - |
| Other operating charges640/8 | - | €4k | €1k | €2k | €5k | ▲ 177% |
| Non-recurring operating charges66A | - | €4k | €2k | €26k | - | - |
| Gross operating margin9900 | €46k | €11k | €37k | €44k | €36k | ▼ 18.5% |
| Operating profit (loss)9901 | €-7k | €2k | €19k | €11k | €17k | ▲ 59.2% |
| Financial income75/76B | - | €0 | €870 | - | €1 | - |
| Recurring financial income75 | €3 | €0 | €870 | - | €1 | - |
| Financial charges65/66B | - | €2k | €2k | €2k | €1k | ▼ 18.0% |
| Recurring financial charges65 | €2k | €2k | €2k | €2k | €1k | ▼ 18.0% |
| Profit (loss) for the period before taxes9903 | €-9k | €-575 | €18k | €9k | €16k | ▲ 72.9% |
| Income taxes67/77 | €248 | €809 | €566 | €2k | €3k | ▲ 56.9% |
| Profit (loss) for the period9904 | €-9k | €-1k | €17k | €7k | €13k | ▲ 77.5% |
| Profit (loss) for the period to be appropriated9905 | €-9k | €-1k | €17k | €7k | €13k | ▲ 77.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €60k | €88k | €86k | €81k | €85k | ▲ 4.8% |
| Fixed assets21/28 | €22k | €52k | €45k | €35k | €34k | ▼ 2.7% |
| Tangible fixed assets22/27 | €22k | €52k | €45k | €35k | €34k | ▼ 2.7% |
| Plant, machinery and equipment23 | - | - | €4k | €3k | €7k | ▲ 139% |
| Furniture and vehicles24 | - | €52k | €42k | €32k | €27k | ▼ 15.8% |
| Current assets29/58 | €38k | €36k | €41k | €46k | €50k | ▲ 10.6% |
| Amounts receivable within one year40/41 | €26k | €18k | €23k | €19k | €13k | ▼ 35.2% |
| Trade receivables40 | - | €18k | €22k | €14k | €11k | ▼ 22.5% |
| Other amounts receivable41 | - | €11 | €504 | €5k | €2k | ▼ 68.8% |
| Cash at bank and in hand54/58 | €9k | €17k | €18k | €26k | €38k | ▲ 44.4% |
| Deferred charges and accrued income490/1 | - | €1k | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €60k | €88k | €86k | €81k | €85k | ▲ 4.8% |
| Equity10/15 | €15k | €14k | €31k | €38k | €51k | ▲ 33.8% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €5k | €5k | €12k | €20k | €32k | ▲ 66.2% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | - | €4k | €10k | €18k | €31k | ▲ 73.2% |
| Profit (loss) carried forward14 | €-9k | €-10k | - | - | - | - |
| Amounts payable17/49 | €45k | €74k | €55k | €42k | €33k | ▼ 21.3% |
| Amounts payable after more than one year17 | - | €22k | €15k | €8k | - | - |
| Financial debts170/4 | - | €22k | €15k | €8k | - | - |
| Amounts payable within one year42/48 | €45k | €52k | €40k | €35k | €33k | ▼ 3.4% |
| Current portion of amounts payable after more than one year42 | - | €7k | €7k | €7k | €8k | ▲ 12.3% |
| Trade debts44 | €644 | €7k | €8k | €7k | €4k | ▼ 47.1% |
| Suppliers440/4 | - | €7k | €8k | €7k | €4k | ▼ 47.1% |
| Taxes, remuneration and social security45 | - | €8k | €2k | €2k | €3k | ▲ 61.1% |
| Taxes450/3 | - | €8k | €2k | €2k | €3k | ▲ 61.6% |
| Remuneration and social security454/9 | - | - | - | €17 | €17 | = |
| Other amounts payable47/48 | - | €31k | €24k | €19k | €19k | ▼ 1.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-9k | €-1k | €17k | €7k | €13k | ▲ 77.5% |
| + Depreciation and write-downs630 | €22k | - | €15k | €4k | €10k | ▲ 177% |
| Operating cash flow (approximation) | €13k | €-1k | €32k | €11k | €23k | ▲ 111% |
| Investment in fixed assets (approximation) | - | €-30k | €-8k | €7k | €-9k | ▼ 244% |
| Change in cash | - | €8k | €322 | €9k | €12k | ▲ 34.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
09-09
State Gazette act
General meeting · Registered-office move2 facts ▸
State Gazette act
General meeting · Registered-office move
2 facts ▸
- General meeting, 06-12-2025
- Registered-office move, 9140 Temse, Azalealaan 9 G
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 90 days late
2024
17-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 78 days late
2023
02-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 63 days late
2022
31-12
Financial
Back to profitnet €17k
Net result €17k after 4 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
17-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 17 days late
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
17-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Temse · 1 establishment unit since 2004
Ground area
1,445 m²
Building footprint
360 m²
Volume, LiDAR
3,303 m³
2 parcels, Flanders · tallest building 16.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
J&N prints
since 20042.230.045.737
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B0893/00C000 | Flanders | 1,021 m² | 1 · 165 m² | 7.1 m · 2 fl. |
| 46025B0894/00N003 | Flanders | 424 m² | 1 · 196 m² | 16.1 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 348 EUR awarded · 348 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 348 EUR | 348 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,590 companies in sector 49410 we hold annual accounts for 8,199. 6,017 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-07-2004
Fiscal year end31-12
Activities, NACEBEL 2025
49410Freight transport by road
Scores and ratios are computed by Checked and are not a credit decision.