PREMAN
ActiveSummary
PREMAN has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.9m and a net result of €332,023. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 66% of 4577 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82=
Solvency84▲+2
Growth36▲+1
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110,000 at 30 days acceptable
Liquidity ample (current ratio 62.12; short-term debt: 0.5% and cash: 8.6% of total assets), and 41.4% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer 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
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
58.6%
Return on assets
4%
Age of the figures
9 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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
29 d late
2023
15 d early
2022
11 d early
2021
31 d late
2020
26 d late
2019
37 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average on the deadline day; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema
In the rankings
#1 company by total assets in Heuvelland, Real estate sector#1 company by equity in Heuvelland, Real estate sector#2 oldest company in Heuvelland, Real estate sector
Turnover
€1.1m▲ 1.5%
2024 · €1.1m
EBIT margin
55.7%▲ 0.5pp
2024 · 55.2%
Net result
€332,023▲ 20.4%
2024 · €275,830
Working capital
€2.3m▲ 33.1%
2024 · €1.8m
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€1.1m▲ 22.3%€985,438▼ 13.7%€1.1m▲ 10.2%€1.1m▲ 0.9%€1.1m▲ 1.5%
Operating result€678,736▲ 44.5%€514,746▼ 24.2%€714,486▲ 38.8%€604,609▼ 15.4%€619,345▲ 2.4%
Net result€392,815▲ 66.2%€268,777▼ 31.6%€431,946▲ 60.7%€275,830▼ 36.1%€332,023▲ 20.4%
EBIT margin59.4%▲ 9.2pp52.2%▼ 7.2pp65.8%▲ 13.5pp55.2%▼ 10.6pp55.7%▲ 0.5pp
Equity€3.6m▲ 12.3%€3.8m▲ 7.5%€4.3m▲ 11.2%€4.6m▲ 6.5%€4.9m▲ 7.3%
Total assets€8.4m▼ 0.6%€8.8m▲ 4.1%€7.7m▼ 12.1%€8.0m▲ 3.9%€8.3m▲ 3.9%
Debt€4.9m▼ 8.3%€4.9m▲ 1.7%€3.5m▼ 30.2%€3.5m▲ 0.7%€3.5m▼ 0.7%
Working capital€1.2m▲ 19.2%€1.9m▲ 52.2%€1.1m▼ 41.6%€1.8m▲ 62.3%€2.3m▲ 33.1%
Why a figure moved sharply
- 2023 Net result +61% on 2022. Cause not known from the registers.
- 2021 Net result +66% on 2020. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.3m
Fixed assets
€6.0m ▼ 4.8%
Current assets
€2.4m ▲ 34.4%
Equity and liabilities €8.3m
Equity
€4.9m ▲ 7.3%
Debt
€3.5m ▼ 0.7%
Debt's share of the balance-sheet total falls from 43.3% to 41.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.1m▲
2024 · €1.1m
Cash flow
€795,616▲
2024 · €739,422
Current ratio
62.12
Debt to equity
0.71▼
2024 · 0.76
ROE
6.8%▲
2024 · 6.1%
ROA
4.0%▲
2024 · 3.4%
Interest coverage
21.88▲
2024 · 10.79
Debt ≤ 1 year
€38,246▲
2024 · €11,393
Debt > 1 year
€3.3m=
2024 · €3.3m
Income taxes
€265,205▲
2024 · €246,474
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,832 companies that looked in July 2024 the way this one looks now, 0.1% went bankrupt within 24 months and 98% are still going.
- Medium-sized
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.1%
went bankrupt
2.0%
stopped otherwise
98%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,832 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €1.3m | €1.1m | €1.4m | €1.3m | €1.3m | ▲ 1.3% |
| Turnover70 | €1.1m | €985,438 | €1.1m | €1.1m | €1.1m | ▲ 1.5% |
| Other operating income74 | €8,227 | €72 | €150,000 | €72 | €72 | = |
| Non-recurring operating income76A | €164,228 | €164,228 | €164,228 | €164,228 | €164,228 | = |
| Operating charges60/66A | €635,435 | €634,991 | €686,068 | €655,577 | €657,008 | ▲ 0.2% |
| Services and other goods61 | €27,355 | €27,960 | €67,457 | €32,512 | €29,515 | ▼ 9.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €467,665 | €463,732 | €463,593 | €463,593 | €463,593 | = |
| Other operating charges640/8 | €140,415 | €143,299 | €155,018 | €159,473 | €163,901 | ▲ 2.8% |
| Operating profit (loss)9901 | €678,736 | €514,746 | €714,486 | €604,609 | €619,345 | ▲ 2.4% |
| Financial income75/76B | €116 | €65 | €16,524 | €17,286 | €27,970 | ▲ 61.8% |
| Recurring financial income75 | €116 | €65 | €16,524 | €17,286 | €27,970 | ▲ 61.8% |
| Income from current assets751 | - | - | €16,399 | €16,938 | €27,841 | ▲ 64.4% |
| Other financial income752/9 | €116 | €65 | €126 | €347 | €129 | ▼ 62.7% |
| Financial charges65/66B | €568 | €1,911 | €551 | €99,591 | €50,086 | ▼ 49.7% |
| Recurring financial charges65 | €568 | €1,911 | €551 | €99,591 | €50,086 | ▼ 49.7% |
| Debt charges650 | - | - | - | €99,000 | €49,500 | ▼ 50.0% |
| Other financial charges652/9 | €568 | €1,911 | €551 | €591 | €586 | ▼ 0.8% |
| Profit (loss) for the period before taxes9903 | €678,285 | €512,901 | €730,459 | €522,304 | €597,229 | ▲ 14.3% |
| Income taxes67/77 | €285,469 | €244,123 | €298,513 | €246,474 | €265,205 | ▲ 7.6% |
| Taxes670/3 | €285,469 | €244,123 | €298,513 | €246,474 | €265,205 | ▲ 7.6% |
| Profit (loss) for the period9904 | €392,815 | €268,777 | €431,946 | €275,830 | €332,023 | ▲ 20.4% |
| Profit (loss) for the period to be appropriated9905 | €392,815 | €268,777 | €431,946 | €275,830 | €332,023 | ▲ 20.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €8.4m | €8.8m | €7.7m | €8.0m | €8.3m | ▲ 3.9% |
| Fixed assets21/28 | €7.2m | €6.9m | €6.6m | €6.3m | €6.0m | ▼ 4.8% |
| Tangible fixed assets22/27 | €7.2m | €6.9m | €6.6m | €6.3m | €6.0m | ▼ 4.8% |
| Land and buildings22 | €6.3m | €5.9m | €5.4m | €5.0m | €4.5m | ▼ 9.4% |
| Other tangible fixed assets26 | €814,702 | €978,930 | €1.1m | €1.3m | €1.5m | ▲ 12.6% |
| Current assets29/58 | €1.3m | €1.9m | €1.2m | €1.8m | €2.4m | ▲ 34.4% |
| Stocks and contracts in progress3 | - | €0 | €0 | €0 | €0 | - |
| Amounts receivable within one year40/41 | €200,000 | €0 | - | €338 | €0 | ▼ 100% |
| Trade receivables40 | €200,000 | €0 | - | €338 | €0 | ▼ 100% |
| Current investments50/53 | - | - | €500,000 | €1.0m | €1.3m | ▲ 30.0% |
| Other investments51/53 | - | - | €500,000 | €1.0m | €1.3m | ▲ 30.0% |
| Cash at bank and in hand54/58 | €801,541 | €1.5m | €340,061 | €413,635 | €715,910 | ▲ 73.1% |
| Deferred charges and accrued income490/1 | €276,963 | €440,705 | €328,278 | €353,074 | €359,869 | ▲ 1.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €8.4m | €8.8m | €7.7m | €8.0m | €8.3m | ▲ 3.9% |
| Equity10/15 | €3.6m | €3.8m | €4.3m | €4.6m | €4.9m | ▲ 7.3% |
| Contributions10/11 | €446,210 | €446,210 | €446,210 | €446,210 | €446,210 | = |
| Capital10 | €446,210 | €446,210 | €446,210 | €446,210 | €446,210 | = |
| Issued capital100 | €446,210 | €446,210 | €446,210 | €446,210 | €446,210 | = |
| Revaluation surpluses12 | €5.2m | €4.8m | €4.3m | €3.8m | €3.4m | ▼ 12.0% |
| Reserves13 | €44,621 | €44,621 | €44,621 | €255,041 | €1.1m | ▲ 312% |
| Non-distributable reserves130/1 | €44,621 | €44,621 | €44,621 | €44,621 | €44,621 | = |
| Legal reserve130 | €44,621 | €44,621 | €44,621 | €44,621 | €44,621 | = |
| Distributable reserves133 | - | - | - | €210,420 | €1.0m | ▲ 378% |
| Profit (loss) carried forward14 | -€2.2m | -€1.4m | -€529,002 | €0 | - | - |
| Amounts payable17/49 | €4.9m | €4.9m | €3.5m | €3.5m | €3.5m | ▼ 0.7% |
| Amounts payable after more than one year17 | €4.8m | €4.8m | €3.3m | €3.3m | €3.3m | = |
| Other amounts payable178/9 | €4.8m | €4.8m | €3.3m | €3.3m | €3.3m | = |
| Amounts payable within one year42/48 | €62,608 | €76,732 | €86,869 | €11,393 | €38,246 | ▲ 236% |
| Trade debts44 | €7,139 | €7,139 | €23,276 | €0 | - | - |
| Suppliers440/4 | €7,139 | €7,139 | €23,276 | €0 | - | - |
| Taxes, remuneration and social security45 | €55,469 | €69,593 | €63,593 | €11,393 | €38,246 | ▲ 236% |
| Taxes450/3 | €55,469 | €69,593 | €63,593 | €11,393 | €38,246 | ▲ 236% |
| Accrued charges and deferred income492/3 | €220 | €67,158 | €66,203 | €165,193 | €115,683 | ▼ 30.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €392,815 | €268,777 | €431,946 | €275,830 | €332,023 | ▲ 20.4% |
| + Depreciation and write-downs630 | €467,665 | €463,732 | €463,593 | €463,593 | €463,593 | = |
| Operating cash flow (approximation) | €860,480 | €732,509 | €895,539 | €739,422 | €795,616 | ▲ 7.6% |
| Investment in fixed assets (approximation) | - | -€164,228 | -€164,228 | -€164,228 | -€164,228 | = |
| Change in cash | - | €685,600 | -€1.1m | €73,574 | €302,275 | ▲ 311% |
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
Next filing, fiscal year 2026, expected by
2026
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Liquidity times 12current ratio 155.10
Current ratio from 13.45 to 155.10; short-term debt falls from €86,869 to €11,393.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 26 days late
2020
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €189,595 ▼82%
Net result drops to €189,595, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 15current ratio 285.13
Current ratio from 18.69 to 285.13; short-term debt falls from €125,871 to €4,296.
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
04-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 11 acts read
About the unread acts
We know of 11 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
11 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, Heuvelland · 1 establishment unit since 1988
Ground area
2.1 ha
Building footprint
1,262 m²
Volume, LiDAR
5,994 m³
Parcel 33012B0734/00A000, Flanders · tallest building 12.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PREMAN
since 19882.037.614.662
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33012B0734/00A000 | Flanders | 2.1 ha | 1 · 1,262 m² | 12.0 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 ownersOwners 2
- Sourceaccounts LEMAD 202550%
- Sourceaccounts PMC+ 202450%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Similar companies · same sector, comparable size
EAGLESTONE
BE 0830.621.292
Elsene · Eq €4,878,034
GANDS
BE 0472.184.716
Antwerpen · Eq €4,877,658
ROELANS
BE 0869.630.140
Antwerpen · Eq €4,895,995
B.KERNRETAIL
BE 0429.679.712
Schilde · Eq €4,916,304
ASKIMMO
BE 0423.745.785
Hasselt · Eq €4,846,017
Of 9,699 companies in sector 68121 we hold annual accounts for 7,385. 1,879 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded31-03-1988
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0433903764
Also
9925:BE0433903764
Registered
20-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.