PREMIUM GROUP
ActivePREMIUM GROUP has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58k and a net result of €13k. Equity is growing by ~23% per year across the filed fiscal years. Its solvency ranks better than 51% of 7431 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-9
Solvency69▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.62 against 2.42 in 2024; short-term debt: 37.6% and cash: 14.8% of total assets), but 55.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
44.4%
Return on assets
10%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
63 d late
2023
30 d early
2022
25 d late
2021
12 d late
2020
48 d late
2019
28 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▲ 29.0%
2024 · €45k
2018: €15k
2019: €15k
2020: €16k
2021: €17k
2022: €25k
2023: €28k
2024: €45k
2018 → 2025
Total assets
€130k▲ 33.2%
2024 · €98k
2018: €26k
2019: €30k
2020: €32k
2021: €47k
2022: €70k
2023: €51k
2024: €98k
2018 → 2025
Net result
€13k▼ 21.4%
2024 · €16k
2018: €2k
2019: €326
2020: €1k
2021: €892
2022: €8k
2023: €3k
2024: €16k
2018 → 2025
Working capital
€31k▼ 27.0%
2024 · €42k
2018: €15k
2019: €15k
2020: €16k
2021: €13k
2022: €21k
2023: €27k
2024: €42k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€25k▲ 49.3%€28k▲ 11.3%€45k▲ 58.3%€58k▲ 29.0%
Operating result€1k-€12k▲ 783%€4k▼ 67.6%€19k▲ 390%€19k▲ 0.2%
Net result€892-€8k▲ 842%€3k▼ 65.8%€16k▲ 474%€13k▼ 21.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 0% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €130k
Fixed assets
€51k▲ 92.1%
Current assets
€79k▲ 11.4%
Equity and liabilities €130k
Equity
€58k▲ 29.0%
Debt
€72k▲ 36.8%
The debt ratio rises from 54.1% to 55.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▲
2024 · €27k
Cash flow
€24k▼
2024 · €25k
Solvency
44.4%▼
2024 · 45.9%
Current ratio
1.62▼
2024 · 2.42
Quick ratio
1.62▼
2024 · 2.42
Debt / equity
1.25▲
2024 · 1.18
ROE
22.5%▼
2024 · 36.8%
ROA
10.0%▼
2024 · 16.9%
Interest coverage
14.46▼
2024 · 16.61
Debt
€72k▲
2024 · €53k
Debt ≤ 1 year
€49k▲
2024 · €30k
Debt > 1 year
€23k=
2024 · €23k
Income taxes
€4k▲
2024 · €646
Staff costs
€50k▼
2024 · €56k
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€98k€130k▲
Fixed assets21/28€26k€51k▲
Tangible fixed assets22/27€24k€49k▲
Furniture and vehicles24€24k€49k▲
Financial fixed assets28€2k€2k▲
Current assets29/58€71k€79k▲
Amounts receivable within one year40/41€58k€60k▲
Trade receivables40€54k€54k=
Other amounts receivable41€4k€6k▲
Cash at bank and in hand54/58€13k€19k▲
Equity and liabilities
Total equity and liabilities10/49€98k€130k▲
Equity10/15€45k€58k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€26k€39k▲
Amounts payable17/49€53k€72k▲
Amounts payable after more than one year17€23k€23k=
Financial debts170/4€23k€23k=
Amounts payable within one year42/48€30k€49k▲
Current portion of amounts payable after more than one year42€5k-
Trade debts44€8k€15k▲
Suppliers440/4€8k€15k▲
Taxes, remuneration and social security45€15k€33k▲
Taxes450/3€3k€8k▲
Remuneration and social security454/9€12k€25k▲
Other amounts payable47/48€1k€1k=
Income statement
Code20242025
Remuneration, social security and pensions62€56k€50k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€11k▲
Other operating charges640/8€408€313▼
Gross operating margin9900€83k€81k▼
Operating profit (loss)9901€19k€19k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€17k€17k▼
Income taxes67/77€646€4k▲
Profit (loss) for the period9904€16k€13k▼
Profit (loss) for the period to be appropriated9905€16k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€39k▲
Profit (loss) brought forward from the previous period14P€10k€26k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
02-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 63 days late
2024
31-12
Financial
Highest result since 2018net €16k ▲474%
Net result €16k, the highest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
17-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 48 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €326 ▼83.5%
Net result drops to €326, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 27 days late
2017
26-07
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
2 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, Brussel · 1 establishment unit since 2015
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.
Ransbeekstraat 971120 BrusselGround area
170 m²
Parcel 21819B0143/00G000, Brussels. Linked by address, not a title deed.
1 establishment unit
PREMIUM GROUP
since 20152.241.784.024
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21819B0143/00G000 | Brussels | 170 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,170 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-03-2015
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43230Insulation installation
43291Specialised construction activities
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.