PREMIUM ESTATE
ActiveSummary
PREMIUM ESTATE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €6k. Equity is shrinking by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 91% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability84▲+14
Solvency100▲+29
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 9.38 against 1.85 in 2024; short-term debt: 10.7% and cash: 89.4% of total assets), and 10.7% of the assets are financed with debt.
Credit check for your own amount and term
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
89.3%
Return on assets
18.5%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €29k
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 23-03-2026, 130 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
130 d early
2024
59 d early
2023
48 d early
2022
5 d early
2021
19 d early
2020
9 d early
2019
4 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€29k▲ 26.1%
2024 · €23k
2018: €41k
2019: €42k▲ +1.4% vs 2018highest in 8 years
2020: €21k▼ -51.0% vs 2019lowest in 8 years
2021: €29k▲ +40.4% vs 2020
2022: €21k▼ -25.8% vs 2021
2023: €23k▲ +7.2% vs 2022
2024: €23k▲ +1.6% vs 2023
2025: €29k▲ +26.1% vs 2024
2018 → 2025
Total assets
€33k▼ 35.2%
2024 · €51k
2018: €120k
2019: €122k▲ +1.1% vs 2018highest in 8 years
2020: €75k▼ -38.3% vs 2019
2021: €93k▲ +24.5% vs 2020
2022: €64k▼ -31.5% vs 2021
2023: €43k▼ -33.0% vs 2022
2024: €51k▲ +18.1% vs 2023
2025: €33k▼ -35.2% vs 2024lowest in 8 years
2018 → 2025
Net result
€6k▲ 1,600%
2024 · €357
2018: €17khighest in 8 years
2019: €589▼ -96.6% vs 2018
2020: €-21k▼ -3731% vs 2019lowest in 8 years
2021: €8k▲ +139% vs 2020
2022: €-7k▼ -190% vs 2021
2023: €2k▲ +121% vs 2022
2024: €357▼ -76.9% vs 2023
2025: €6k▲ +1600% vs 2024
2018 → 2025
Working capital
€29k▲ 26.1%
2024 · €23k
2018: €99khighest in 8 years
2019: €6k▼ -94.1% vs 2018
2020: €-11k▼ -286% vs 2019lowest in 8 years
2021: €4k▲ +138% vs 2020
2022: €9k▲ +119% vs 2021
2023: €23k▲ +155% vs 2022
2024: €23k▲ +2.1% vs 2023
2025: €29k▲ +26.1% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€21k▼ 25.8%€23k▲ 7.2%€23k▲ 1.6%€29k▲ 26.1%
2021: €29k
2022: €21k▼ -25.8% vs 2021lowest in 5 years
2023: €23k▲ +7.2% vs 2022
2024: €23k▲ +1.6% vs 2023
2025: €29k▲ +26.1% vs 2024highest in 5 years
Operating result€10k-€-7k€4k€1k▼ 73.2%€7k▲ 619%
2021: €10khighest in 5 years
2022: €-7k▼ -170% vs 2021lowest in 5 years
2023: €4k▲ +156% vs 2022
2024: €1k▼ -73.2% vs 2023
2025: €7k▲ +619% vs 2024
Net result€8k-€-7k€2k€357▼ 76.9%€6k▲ 1,600%
2021: €8khighest in 5 years
2022: €-7k▼ -190% vs 2021lowest in 5 years
2023: €2k▲ +121% vs 2022
2024: €357▼ -76.9% vs 2023
2025: €6k▲ +1600% vs 2024
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 2025; 2025 is 619% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €33k
Equity
€29k ▲ 26.1%
Debt
€3k ▼ 87.2%
Debt's share of the balance-sheet total falls from 54.1% to 10.7%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
9.38▲
2024 · 1.85
Debt to equity
0.12▼
2024 · 1.18
ROE
20.7%▲
2024 · 1.5%
ROA
18.5%▲
2024 · 0.7%
Debt ≤ 1 year
€3k▼
2024 · €27k
Income taxes
€1k▲
2024 · €765
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 · 2025 against 2024 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€51k€33k▼
Current assets29/58€51k€33k▼
Amounts receivable within one year40/41€29k€3k▼
Trade receivables40€27k€2k▼
Other amounts receivable41€3k€1k▼
Cash at bank and in hand54/58€21k€29k▲
Equity and liabilities
Total equity and liabilities10/49€51k€33k▼
Equity10/15€23k€29k▲
Contributions10/11€19k€19k=
Reserves13€12k€18k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€10k€16k▲
Profit (loss) carried forward14€-7k€-7k=
Amounts payable17/49€27k€3k▼
Amounts payable within one year42/48€27k€3k▼
Trade debts44€15k€139▼
Suppliers440/4€15k€139▼
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€2k▲
Other amounts payable47/48€11k€1k▼
Income statement
Code20242025
Non-recurring operating income76A-€11k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€130-
Other operating charges640/8€1k€576▼
Gross operating margin9900€2k€8k▲
Operating profit (loss)9901€1k€7k▲
Financial income75/76B€181€144▼
Recurring financial income75€181€144▼
Financial charges65/66B€88€81▼
Recurring financial charges65€88€81▼
Profit (loss) for the period before taxes9903€1k€7k▲
Income taxes67/77€765€1k▲
Profit (loss) for the period9904€357€6k▲
Profit (loss) for the period to be appropriated9905€357€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-964▲
Profit (loss) brought forward from the previous period14P€-7k€-7k▲
Transfer to equity691/2-€6k
To other reserves6921-€6k
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €11k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12k | €12k | €12k | €130 | - | - |
| Other operating charges640/8 | €1k | €1k | €1k | €1k | €576 | ▼ 53.7% |
| Gross operating margin9900 | €23k | €7k | €17k | €2k | €8k | ▲ 232% |
| Operating profit (loss)9901 | €10k | €-7k | €4k | €1k | €7k | ▲ 619% |
| Financial income75/76B | €310 | €37 | €128 | €181 | €144 | ▼ 20.2% |
| Recurring financial income75 | €310 | €37 | €128 | €181 | €144 | ▼ 20.2% |
| Financial charges65/66B | €306 | €124 | €6 | €88 | €81 | ▼ 8.1% |
| Recurring financial charges65 | €306 | €124 | €6 | €88 | €81 | ▼ 8.1% |
| Profit (loss) for the period before taxes9903 | €10k | €-7k | €4k | €1k | €7k | ▲ 566% |
| Income taxes67/77 | €1k | €488 | €2k | €765 | €1k | ▲ 83.5% |
| Profit (loss) for the period9904 | €8k | €-7k | €2k | €357 | €6k | ▲ 1,600% |
| Profit (loss) for the period to be appropriated9905 | €8k | €-7k | €2k | €357 | €6k | ▲ 1,600% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €93k | €64k | €43k | €51k | €33k | ▼ 35.2% |
| Fixed assets21/28 | €25k | €12k | €130 | - | - | - |
| Tangible fixed assets22/27 | €25k | €12k | €130 | - | - | - |
| Plant, machinery and equipment23 | €1k | €705 | €130 | - | - | - |
| Furniture and vehicles24 | €23k | €12k | - | - | - | - |
| Current assets29/58 | €69k | €52k | €43k | €51k | €33k | ▼ 35.2% |
| Amounts receivable within one year40/41 | €18k | €19k | €11k | €29k | €3k | ▼ 88.1% |
| Trade receivables40 | €17k | €17k | €7k | €27k | €2k | ▼ 91.5% |
| Other amounts receivable41 | €915 | €2k | €3k | €3k | €1k | ▼ 56.6% |
| Cash at bank and in hand54/58 | €51k | €33k | €32k | €21k | €29k | ▲ 37.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €93k | €64k | €43k | €51k | €33k | ▼ 35.2% |
| Equity10/15 | €29k | €21k | €23k | €23k | €29k | ▲ 26.1% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €10k | €10k | €12k | €12k | €18k | ▲ 51.9% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €8k | €8k | €10k | €10k | €16k | ▲ 61.7% |
| Profit (loss) carried forward14 | €50 | €-7k | €-7k | €-7k | €-7k | = |
| Amounts payable17/49 | €65k | €43k | €20k | €27k | €3k | ▼ 87.2% |
| Amounts payable within one year42/48 | €65k | €43k | €20k | €27k | €3k | ▼ 87.2% |
| Current portion of amounts payable after more than one year42 | €6k | - | - | - | - | - |
| Trade debts44 | €17k | €5k | €5k | €15k | €139 | ▼ 99.1% |
| Suppliers440/4 | €17k | €5k | €5k | €15k | €139 | ▼ 99.1% |
| Advances received on contracts in progress46 | €3k | - | - | - | - | - |
| Taxes, remuneration and social security45 | €3k | €2k | €1k | €1k | €2k | ▲ 86.3% |
| Taxes450/3 | €3k | €2k | €1k | €1k | €2k | ▲ 86.3% |
| Other amounts payable47/48 | €35k | €35k | €14k | €11k | €1k | ▼ 88.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8k | €-7k | €2k | €357 | €6k | ▲ 1,600% |
| + Depreciation and write-downs630 | €12k | €12k | €12k | €130 | - | - |
| Operating cash flow (approximation) | €21k | €5k | €14k | €486 | €6k | ▲ 1,147% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | €-18k | €-435 | €-11k | €8k | ▲ 174% |
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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 5current ratio 9.38
Current ratio from 1.85 to 9.38; short-term debt falls from €27k to €3k.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-21k
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Wetteren · 1 establishment unit since 2008
Ground area
827 m²
Building footprint
189 m²
Volume, LiDAR
552 m³
Parcel 42012A0421/00A002, Flanders · tallest building 4.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PREMIUM ESTATE
since 20082.227.103.469
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42012A0421/00A002 | Flanders | 827 m² | 1 · 189 m² | 4.1 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.
Recognitions · licences · registrations
Recognised contractor
16 categoriesPREMIUM ESTATE BV41633
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Of 9,693 companies in sector 68121 we hold annual accounts for 7,385. 4,503 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 (pre-2019)
Founded28-02-2008
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Contact
E-mail
info@premiumestate.be
Phone
+32 (475) 890609
Scores and ratios are computed by Checked and are not a credit decision.