PREMIUM PC
ActiveSummary
PREMIUM PC has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €559,110 and a net result of -€20,879. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 73% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability18▼-39
Solvency87▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 4.39 against 3.27 in 2024; short-term debt: 21.7% and cash: 14.3% of total assets), and 38.3% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Three 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-09-2026, 53 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
53 d late
2024
57 d late
2023
47 d late
2022
270 d late
2021
635 d late
2020
431 d late
2019
140 d late
← 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 233 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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 check 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, micro schema
Equity
€559,110▼ 3.6%
2024 · €579,989
Total assets
€905,685▼ 14.1%
2024 · €1.1m
Net result
-€20,879
2024 · €27,144
Working capital
€666,396▼ 4.0%
2024 · €694,517
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€33,635▼ 51.5%€48,800▲ 45.1%€84,195▲ 72.5%€69,250▼ 17.8%-€9,699
Net result€10,904within the sector's middle half▼ 75.4%€27,071above the sector's middle half▲ 148%€53,634above the sector's middle half▲ 98.1%€27,144above the sector's middle half▼ 49.4%-€20,879below the sector's middle half
Equity€472,140above the sector's middle half▲ 2.4%€499,211above the sector's middle half▲ 5.7%€552,845above the sector's middle half▲ 10.7%€579,989above the sector's middle half▲ 4.9%€559,110above the sector's middle half▼ 3.6%
Total assets€962,142above the sector's middle half▼ 13.9%€937,109above the sector's middle half▼ 2.6%€1.0mabove the sector's middle half▲ 8.4%€1.1mabove the sector's middle half▲ 3.7%€905,685above the sector's middle half▼ 14.1%
Debt€490,002▼ 25.4%€437,898▼ 10.6%€462,939▲ 5.7%€473,776▲ 2.3%€346,575▼ 26.8%
Working capital€627,230▲ 36.9%€660,172▲ 5.3%€720,230▲ 9.1%€694,517▼ 3.6%€666,396▼ 4.0%
Solvency49.1%within the sector's middle half▲ 7.8pp53.3%within the sector's middle half▲ 4.2pp54.4%within the sector's middle half▲ 1.2pp55.0%within the sector's middle half▲ 0.6pp61.7%within the sector's middle half▲ 6.7pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9,699 after €69,250 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €905,685
Fixed assets
€42,714 ▼ 20.1%
Current assets
€862,971 ▼ 13.7%
Equity and liabilities €905,685
Equity
€559,110 ▼ 3.6%
Debt
€346,575 ▼ 26.8%
Debt's share of the balance-sheet total falls from 45.0% to 38.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3,823▼
2024 · €82,489
Cash flow
-€7,357▼
2024 · €40,383
Current ratio
4.39▲
2024 · 3.27
Quick ratio
1.39▲
2024 · 1.34
Debt to equity
0.62▼
2024 · 0.82
ROE
-3.7%▼
2024 · 4.7%
ROA
-2.3%▼
2024 · 2.6%
Interest coverage
0.29▼
2024 · 4.24
Debt ≤ 1 year
€196,575▼
2024 · €305,776
Debt > 1 year
€150,000=
2024 · €150,000
Income taxes
€125▼
2024 · €22,642
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 8,594 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 94% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a small loss
0.4%
went bankrupt
5.2%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% 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 8,594 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €579 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,919 | €570 | €581 | €13,239 | €13,522 | ▲ 2.1% |
| Other operating charges640/8 | €15,534 | €6,355 | €1,968 | €4,063 | €3,975 | ▼ 2.2% |
| Gross operating margin9900 | €61,088 | €55,725 | €86,744 | €86,551 | €7,798 | ▼ 91.0% |
| Operating profit (loss)9901 | €33,635 | €48,800 | €84,195 | €69,250 | -€9,699 | ▼ 114% |
| Financial income75/76B | €0 | €66 | €401 | - | €2,059 | - |
| Recurring financial income75 | €0 | €66 | €401 | - | €2,059 | - |
| Financial charges65/66B | €10,969 | €13,223 | €15,489 | €19,463 | €13,115 | ▼ 32.6% |
| Recurring financial charges65 | €10,969 | €13,223 | €15,489 | €19,463 | €13,115 | ▼ 32.6% |
| Profit (loss) for the period before taxes9903 | €22,667 | €35,643 | €69,107 | €49,786 | -€20,755 | ▼ 142% |
| Income taxes67/77 | €11,763 | €8,572 | €15,473 | €22,642 | €125 | ▼ 99.4% |
| Profit (loss) for the period9904 | €10,904 | €27,071 | €53,634 | €27,144 | -€20,879 | ▼ 177% |
| Profit (loss) for the period to be appropriated9905 | €10,904 | €27,071 | €53,634 | €27,144 | -€20,879 | ▼ 177% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €962,142 | €937,109 | €1.0m | €1.1m | €905,685 | ▼ 14.1% |
| Fixed assets21/28 | €910 | €1,039 | €615 | €53,473 | €42,714 | ▼ 20.1% |
| Tangible fixed assets22/27 | €910 | €1,039 | €615 | €53,473 | €42,714 | ▼ 20.1% |
| Land and buildings22 | - | €628 | €488 | €349 | €209 | ▼ 40.1% |
| Plant, machinery and equipment23 | - | - | - | €1,139 | €3,106 | ▲ 173% |
| Furniture and vehicles24 | €910 | €411 | €126 | €51,985 | €39,399 | ▼ 24.2% |
| Current assets29/58 | €961,232 | €936,070 | €1.0m | €1.0m | €862,971 | ▼ 13.7% |
| Stocks and contracts in progress3 | €588,507 | €591,348 | €589,453 | €590,127 | €590,209 | = |
| Stocks30/36 | €588,507 | €591,348 | €589,453 | €590,127 | €590,209 | = |
| Amounts receivable within one year40/41 | €250,603 | €249,080 | €209,477 | €173,914 | €139,839 | ▼ 19.6% |
| Trade receivables40 | €153,133 | €139,741 | €167,165 | €146,864 | €112,789 | ▼ 23.2% |
| Other amounts receivable41 | €97,470 | €109,339 | €42,312 | €27,050 | €27,050 | = |
| Cash at bank and in hand54/58 | €119,545 | €93,592 | €214,277 | €232,387 | €129,295 | ▼ 44.4% |
| Deferred charges and accrued income490/1 | €2,577 | €2,049 | €1,962 | €3,865 | €3,629 | ▼ 6.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €962,142 | €937,109 | €1.0m | €1.1m | €905,685 | ▼ 14.1% |
| Equity10/15 | €472,140 | €499,211 | €552,845 | €579,989 | €559,110 | ▼ 3.6% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €34,860 | €34,860 | €34,860 | €61,860 | €61,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | €33,000 | €33,000 | €33,000 | €61,860 | €61,860 | = |
| Profit (loss) carried forward14 | €418,680 | €445,751 | €499,385 | €499,529 | €478,650 | ▼ 4.2% |
| Amounts payable17/49 | €490,002 | €437,898 | €462,939 | €473,776 | €346,575 | ▼ 26.8% |
| Amounts payable after more than one year17 | €150,000 | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Financial debts170/4 | €150,000 | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Amounts payable within one year42/48 | €334,002 | €275,898 | €294,939 | €305,776 | €196,575 | ▼ 35.7% |
| Current portion of amounts payable after more than one year42 | €9,336 | - | - | - | - | - |
| Financial debts43 | €238,950 | €212,400 | €185,850 | €159,300 | €132,750 | ▼ 16.7% |
| Credit institutions430/8 | €238,950 | €212,400 | €185,850 | €159,300 | €132,750 | ▼ 16.7% |
| Trade debts44 | €6,312 | €6,929 | €4,537 | €13,177 | €5,944 | ▼ 54.9% |
| Suppliers440/4 | €6,312 | €6,929 | €4,537 | €13,177 | €5,944 | ▼ 54.9% |
| Taxes, remuneration and social security45 | €57,790 | €16,291 | €36,519 | €50,606 | €20,714 | ▼ 59.1% |
| Taxes450/3 | €57,790 | €16,291 | €36,519 | €50,606 | €20,714 | ▼ 59.1% |
| Other amounts payable47/48 | €21,614 | €40,278 | €68,033 | €82,693 | €37,167 | ▼ 55.1% |
| Accrued charges and deferred income492/3 | €6,000 | €12,000 | €18,000 | €18,000 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,904 | €27,071 | €53,634 | €27,144 | -€20,879 | ▼ 177% |
| + Depreciation and write-downs630 | €11,919 | €570 | €581 | €13,239 | €13,522 | ▲ 2.1% |
| Operating cash flow (approximation) | €22,822 | €27,641 | €54,215 | €40,383 | -€7,357 | ▼ 118% |
| Investment in fixed assets (approximation) | - | -€699 | -€156 | -€66,097 | -€2,763 | ▲ 95.8% |
| Change in cash | - | -€25,952 | €120,685 | €18,109 | -€103,092 | ▼ 669% |
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
22-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 53 days late
2025
31-12
Financial
Weakest financial yearnet -€20,879
Net result drops to -€20,879, the lowest in the series.
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
16-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 47 days late
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 270 days late
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 635 days late
2023
31-12
Financial
Equity above €500,000Eq €552,845 ▲10.7%
6 profitable years in a row build equity to €552,845.
2022
05-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 431 days late
2020
18-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 140 days late
2019
18-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 110 days late
2018
16-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 77 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Zandhoven · 1 establishment unit since 2005
Ground area
539 m²
Building footprint
151 m²
Volume, LiDAR
1,034 m³
Parcel 11034B0144/00P002, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PREMIUM PC
since 20052.149.577.111
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11034B0144/00P002 | Flanders | 539 m² | 1 · 151 m² | 10.7 m · 2 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.
Similar companies · same sector, comparable size
360-IT
BE 0647.959.604
Sint-Martens-Latem · Eq €559,964
HOME SOFT
BE 0455.525.955
Kortrijk · Eq €561,554
Sun4It
BE 0648.979.191
Lommel · Eq €561,845
KICK
BE 0781.698.254
Aalst · Eq €564,034
Arkesteyn Patrick
BE 0833.478.042
Diest · Eq €552,647
Of 3,223 companies in sector 47400 we hold annual accounts for 1,806. 1,076 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
Founded11-10-2005
Fiscal year end31-12
Activities, NACEBEL 2025
47400Retail sale of information and communication equipment
77330Rental and leasing activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0876609982
Also
9925:BE0876609982
Registered
11-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.