PREMTECH
ActiveThe computed 12-month bankruptcy probability of PREMTECH is 1.5% (moderate). The 2025 annual accounts show equity of €13k and a net result of €38k. Equity is growing by ~80.7% per year across the filed fiscal years. Its solvency ranks better than 24% of 11209 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▲+60
Solvency33▲+33
Growth78=
Track record94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.07 against 0.72 in 2024; short-term debt: 91.9% and cash: 51.5% of total assets), and 91.9% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
8.1%
Return on assets
23.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 11209 sector peers (2025).
NBB · sector comparisonPosition among 11209 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
29 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€13k
2024 · €-25k
2023: €-28k
2024: €-25k
2023 → 2025
Total assets
€157k▲ 114%
2024 · €74k
2023: €65k
2024: €74k
2023 → 2025
Net result
€38k▲ 1,338%
2024 · €3k
2023: €-30k
2024: €3k
2023 → 2025
Working capital
€11k
2024 · €-28k
2023: €-29k
2024: €-28k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-28k-€-25k▲ 9.5%€13k
Operating result€-25k-€6k€49k▲ 753%
Net result€-30k-€3k€38k▲ 1,338%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 753% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €157k
Fixed assets
€2k▼ 24.9%
Current assets
€155k▲ 119%
Equity and liabilities €157k
Equity
€13k
Debt
€145k
Debt finances 91.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€50k▲
2024 · €6k
Cash flow
€38k▲
2024 · €3k
Solvency
8.1%▲
2024 · -33.9%
Current ratio
1.07▲
2024 · 0.72
Quick ratio
1.07▲
2024 · 0.72
Debt / equity
11.38▲
2024 · -3.95
ROE
296.2%
ROA
23.9%▲
2024 · 3.6%
Interest coverage
242.67▲
2024 · 1.95
Debt
€145k▲
2024 · €99k
Debt ≤ 1 year
€145k▲
2024 · €99k
Income taxes
€12k
Staff costs
€107k▲
2024 · €51k
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€74k€157k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€2k€833▼
Furniture and vehicles24€2k€833▼
Financial fixed assets28€1k€1k=
Current assets29/58€71k€155k▲
Amounts receivable within one year40/41€12k€74k▲
Trade receivables40€4k€66k▲
Other amounts receivable41€8k€8k=
Cash at bank and in hand54/58€58k€81k▲
Deferred charges and accrued income490/1€586-
Equity and liabilities
Total equity and liabilities10/49€74k€157k▲
Equity10/15€-25k€13k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-27k€10k▲
Amounts payable17/49€99k€145k▲
Amounts payable within one year42/48€99k€145k▲
Trade debts44€5k€31k▲
Suppliers440/4€5k€31k▲
Advances received on contracts in progress46€1k€713▼
Taxes, remuneration and social security45€12k€33k▲
Taxes450/3€3k€16k▲
Remuneration and social security454/9€10k€17k▲
Other amounts payable47/48€80k€80k▼
Income statement
Code20242025
Remuneration, social security and pensions62€51k€107k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€413€672▲
Other operating charges640/8€375€4k▲
Gross operating margin9900€58k€161k▲
Operating profit (loss)9901€6k€49k▲
Financial income75/76B-€43
Recurring financial income75-€43
Financial charges65/66B€3k€207▼
Recurring financial charges65€3k€207▼
Profit (loss) for the period before taxes9903€3k€49k▲
Income taxes67/77-€12k
Profit (loss) for the period9904€3k€38k▲
Profit (loss) for the period to be appropriated9905€3k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€10k▲
Profit (loss) brought forward from the previous period14P€-30k€-27k▲
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2023net €38k ▲1338%
Operating result €49k, net result €38k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 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
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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, Ternat · 1 establishment unit since 2022
Ground area
529 m²
Building footprint
120 m²
Parcel 23071B0559/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
PREMTECH
since 20222.333.003.715
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23071B0559/00A000 | Flanders | 529 m² | 1 · 120 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.
Similar companies · same sector, comparable size
DALIE MACHINAS
BE 1006.003.133
Herentals · Eq €13k
COLISEUM CONSTRUCTION
BE 0799.803.602
Watermaal-Bosvoorde · Eq €12k
CARRELAGES WANGEN
BE 0466.383.621
Stavelot · Eq €12k
BELMARK
BE 0671.786.564
Antwerpen · Eq €13k
PATRICE FENAUX
BE 0479.159.709
Gembloux · Eq €12k
Of 1,804 companies in sector 46831 we hold annual accounts for 1,398. 348 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-05-2022
Fiscal year end31-12
Activities, NACEBEL
46831Wholesale of construction materials, general range
46851Wholesale of industrial chemicals
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.