PREMIER FINANCIAL SERVICES
ActivePREMIER FINANCIAL SERVICES has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €289k and a net result of €-8k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 94% of 3163 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▲+1
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 53.55 against 56.6 in 2024; short-term debt: 1.9% and cash: 100% of total assets), and 1.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-8k
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 19-03-2026, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
42 d early
2024
42 d early
2023
42 d early
2022
58 d early
2021
75 d early
2020
81 d early
2019
78 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-8k▲ 6.4%
2024 · €-8k
2018: €-6k
2019: €-6k
2020: €-9k
2021: €-5k
2022: €-7k
2023: €-6k
2024: €-8k
2018 → 2025
Working capital
€289k▼ 2.7%
2024 · €297k
2019: €337k
2020: €328k
2021: €321k
2023: €310k
2024: €297k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€319k-€312k▼ 2.3%€305k▼ 2.0%€297k▼ 2.8%€289k▼ 2.7%
Operating result€-4k-€-7k▼ 62.7%€-6k▲ 14.2%€-8k▼ 37.0%€-8k▲ 7.7%
Net result€-5k-€-7k▼ 50.0%€-6k▲ 14.9%€-8k▼ 34.5%€-8k▲ 6.4%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2025 against €8k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €294k
Equity
€289k▼ 2.7%
Debt
€5k▲ 3.0%
The debt ratio rises from 1.8% to 1.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
98.1%▼
2024 · 98.2%
Current ratio
53.55▼
2024 · 56.60
Quick ratio
53.55▼
2024 · 56.60
Debt / equity
0.02▲
2024 · 0.02
ROE
-2.7%▲
2024 · -2.9%
ROA
-2.7%▲
2024 · -2.8%
Debt
€5k▲
2024 · €5k
Debt ≤ 1 year
€5k▲
2024 · €5k
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
Assets
Total assets20/58€302k€294k▼
Current assets29/58€302k€294k▼
Cash at bank and in hand54/58€302k€294k▼
Equity and liabilities
Total equity and liabilities10/49€302k€294k▼
Equity10/15€297k€289k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€229k€221k▼
Amounts payable17/49€5k€5k▲
Amounts payable within one year42/48€5k€5k▲
Trade debts44€5k€5k▲
Suppliers440/4€5k€5k▲
Income statement
Code20242025
Gross operating margin9900€-8k€-8k▲
Operating profit (loss)9901€-8k€-8k▲
Financial charges65/66B€218€311▲
Recurring financial charges65€218€311▲
Profit (loss) for the period before taxes9903€-8k€-8k▲
Profit (loss) for the period9904€-8k€-8k▲
Profit (loss) for the period to be appropriated9905€-8k€-8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€229k€221k▼
Profit (loss) brought forward from the previous period14P€238k€229k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
19-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
19-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
03-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
14-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-09
Financial
Liquidity times 8current ratio 924.44
Current ratio from 122.30 to 924.44; short-term debt falls from €3k to €348.
08-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-09
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
12-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
25-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
17-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-03
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.
Directors · office · real estate
Directors
19 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, Wavre · 1 establishment unit since 2000
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.
Boulevard de l'Europe 1001300 WavreGround area
1,970 m²
Building footprint
755 m²
Volume, LiDAR
4,570 m³
2 parcels, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Joseph Dechamps 9, 1300 Wavre
since 20002.103.175.279
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25055D0227/00H000 | Wallonia | 1,402 m² | 1 · 198 m² | 9.1 m · 2 fl. |
| 25055D0033/00F004 | Wallonia | 568 m² | 1 · 556 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Buro PITT
BE 1024.609.911
Kortenberg · Eq €289k
CEUTERICK MANAGEMENT
BE 0831.732.636
Brugge · Eq €288k
FRASA ASSISTING & MANAGEMENT
BE 0824.243.840
Roeselare · Eq €288k
BOMINEO
BE 0898.696.585
Ronse · Eq €287k
Aparti
BE 0711.941.101
Deerlijk · Eq €287k
Of 5,691 companies in sector 70100 we hold annual accounts for 3,491. 2,323 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-11-2000
Fiscal year end30-09
Activities, NACEBEL
70100Activities of head offices
74152
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.