PREMTECH
ActiveSummary
PREMTECH has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12,708 and a net result of €37,641. Equity has been growing by about 81% per year since 2023. Its solvency ranks better than 25% of 13,741 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 04-05-2022 Normal situation
- Activity
- Wholesale of construction materials, general range NACE 46831and 3 others
- Establishment unit
- 2.333.003.715 1742 Ternat, since 08-07-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Board and ownership
- MANAGEMENT BVPDirector · permanent representative VAN PRAET Bart
- Suarte Indalo BVDirector
- MANAGEMENT BVP50%act of 22-03-2023
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.4%
- Gross margin
- €161,304
- ▲ 180%
- Turnover
- ≈ €810,000
- estimated
- Profit
- €37,641
- ▲ 14×
- Equity
- €12,708
- Total assets
- €157,302
- ▲ 114%
- Employees on 31-12-2025
- 2
- ▲ 100%
- 2025 accounts filed 31 days after the deadline
Score breakdownraises riskLast filed accounts filed 31 days late; 2 of the last 3 accounts lateFounded in 2022Equity €12,708 (8.1% of total assets)lowers riskLiquidity: current ratio 1.07, cash €81,032Show the evidence
Checked score
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 22% of them on solvency, 51% on liquidity, 90% on profitability and 96% on growth.
The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 3 accounts on average 30 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 31 days after the deadline Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00505070.
Annual accounts 2025 filed on 31-08-2026 at the NBB all 3 filings
2023 to 2025, 3 financial years
The operating result for 2025 is 8.5 times that of 2024 and the highest since 2023. It is the second rise in a row.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Average staff per financial year, in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Wholesale trade (NACE 46). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Staff
| Item | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|
| Employees at the balance-sheet date | 1 | 1 | 2 |
| full-time | 1 | 1 | 2 |
| in full-time equivalents | 1 | 1 | 2 |
| Average over the year, in full-time equivalents | 0.4 | 1.2 | 1.9 |
| On a permanent contract | 1 | 1 | 2 |
| Joined | 1 | 1 | 1 |
| Left | 0 | 1 | 0 |
Source: social balance sheet in the 2023 to 2025 annual accounts
Investments
| Item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Tangible fixed assets | €503 | €1,514 | - |
| Financial fixed assets | €1,200 | - | - |
| Depreciation and write-downs of the year | €99 | €413 | €672 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Comparable companies
These companies have the same main activity as PREMTECH: wholesale of construction materials, general range (NACE 46831). They are comparable in size and age: total assets between €161,000 and €282,000, founded between 2020 and 2023.
| Company | Founded | Total assets | Equity | Gross margin | Turnover | Net result | FTE | Financial year |
|---|---|---|---|---|---|---|---|---|
| PREMTECH Ternat | 2022 | €0.2m | €0.01m | €0.2m | - | €0.04m | - | 2025 |
| Cantera Keerbergen | 2022 | €0.2m | €0.1m | €0.09m | - | €0.02m | - | 2025 |
| CONTE INVEST Fontaine-l'Evêque | 2022 | €0.2m | €0.05m | €0.09m | - | €0.04m | - | 2025 |
| Studio Steel Kapellen | 2023 | €0.2m | €0.05m | €0.2m | - | €0.06m | - | 2025 |
| DODEL WINDOWS Elsene | 2022 | €0.3m | €0.1m | €0.2m | - | €0.09m | - | 2025 |
| CONSULTING INNOVATION PARTNERS Grimbergen | 2020 | €0.2m | €0.02m | €0.1m | - | €0.05m | - | 2025 |
| GALAXY TRADING Anderlecht | 2021 | €0.2m | -€0.08m | €0.3m | €1.2m | €0.04m | 8 | 2024 |
They were chosen from the 1,379 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 2,157 companies had the same profile as PREMTECH has now. Two years later, 3.0% had gone bankrupt and 94.1% were still going.
- Micro
- 2 to 5 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of PREMTECH itself: 1.4% within 12 months.
Test of the method
The method was tested on the 497,445 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,157 companies, not a prediction for PREMTECH. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €26,622 | €50,987 | €107,132 | ▲ 110% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €99 | €413 | €672 | ▲ 62.8% |
| Other operating charges640/8 | €109 | €375 | €4,034 | ▲ 975% |
| Gross operating margin9900 | €1,582 | €57,573 | €161,304 | ▲ 180% |
| Operating profit (loss)9901 | -€25,248 | €5,798 | €49,465 | ▲ 753% |
| Financial income75/76B | €207 | - | €43 | - |
| Recurring financial income75 | €207 | - | €43 | - |
| Financial charges65/66B | €5,009 | €3,181 | €207 | ▼ 93.5% |
| Recurring financial charges65 | €5,009 | €3,181 | €207 | ▼ 93.5% |
| Profit (loss) for the period before taxes9903 | -€30,051 | €2,617 | €49,301 | ▲ 19× |
| Income taxes67/77 | - | - | €11,660 | - |
| Profit (loss) for the period9904 | -€30,051 | €2,617 | €37,641 | ▲ 14× |
| Profit (loss) for the period to be appropriated9905 | -€30,051 | €2,617 | €37,641 | ▲ 14× |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €64,864 | €73,598 | €157,302 | ▲ 114% |
| Fixed assets21/28 | €1,604 | €2,705 | €2,033 | ▼ 24.9% |
| Tangible fixed assets22/27 | €404 | €1,505 | €833 | ▼ 44.7% |
| Furniture and vehicles24 | €404 | €1,505 | €833 | ▼ 44.7% |
| Financial fixed assets28 | €1,200 | €1,200 | €1,200 | = |
| Current assets29/58 | €63,260 | €70,892 | €155,269 | ▲ 119% |
| Amounts receivable within one year40/41 | €40,971 | €12,312 | €74,236 | ▲ 503% |
| Trade receivables40 | €33,177 | €4,418 | €66,342 | ▲ 15× |
| Other amounts receivable41 | €7,794 | €7,894 | €7,894 | = |
| Cash at bank and in hand54/58 | €22,181 | €57,994 | €81,032 | ▲ 39.7% |
| Deferred charges and accrued income490/1 | €108 | €586 | - | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €64,864 | €73,598 | €157,302 | ▲ 114% |
| Equity10/15 | -€27,551 | -€24,933 | €12,708 | - |
| Contributions10/11 | €2,500 | €2,500 | €2,500 | = |
| Profit (loss) carried forward14 | -€30,051 | -€27,433 | €10,208 | - |
| Amounts payable17/49 | €92,415 | €98,531 | €144,594 | ▲ 46.7% |
| Amounts payable within one year42/48 | €92,415 | €98,531 | €144,594 | ▲ 46.7% |
| Trade debts44 | €7,475 | €5,002 | €30,810 | ▲ 516% |
| Suppliers440/4 | €7,475 | €5,002 | €30,810 | ▲ 516% |
| Advances received on contracts in progress46 | - | €1,321 | €713 | ▼ 46.0% |
| Taxes, remuneration and social security45 | €4,940 | €12,208 | €33,283 | ▲ 173% |
| Taxes450/3 | €1,221 | €2,525 | €16,476 | ▲ 553% |
| Remuneration and social security454/9 | €3,719 | €9,683 | €16,807 | ▲ 73.6% |
| Other amounts payable47/48 | €80,000 | €80,000 | €79,787 | ▼ 0.3% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€30,051 | €2,617 | €37,641 | ▲ 14× |
| + Depreciation and write-downs630 | €99 | €413 | €672 | ▲ 62.8% |
| Operating cash flow (approximation) | -€29,952 | €3,030 | €38,314 | ▲ 13× |
| Investment in fixed assets (approximation) | - | -€1,514 | €0 | - |
| Change in cash | - | €35,813 | €23,038 | ▼ 35.7% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Board 2
Permanent representatives 1
Owners and capital
Shareholders
1 ownerOwners 1
- Sourceact 22-03-2023Equity €33,964 Profit of €9,498 in 2024 (profit of €21,466 in 2023)50%
Capital transactions
- Suerte Indalo B.V. 72 shares · 50%
- KOOIJMAN Marinus Cornelis
- Management BVP BV (BE 0788.931.583) 72 shares · 50%
- VAN PRAET Bart
- KOOIJMAN Marinus Cornelis to Suerte Indalo B.V. 72 shares
- VAN PRAET Bart to Management BVP BV (BE 0788.931.583) 72 shares
Mandate history
- Board
- began earlier
- end not dated
| Name | Functions and periods |
|---|---|
| MANAGEMENT BVP |
|
| Suarte Indalo BV |
|
| Suerte Indalo B.V. |
|
| KOOIJMAN Marinus Cornelis |
|
| VAN PRAET Bart |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, 1”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Algemene vergadering mag één of meerdere vereffenaars aanduiden,hun bevoegdheden omlijnen en hun vergoeding bepalen, indien geen andere…”
Articles of association, deed of 06-05-2022 (in Dutch)
Network & group
Companies at the same address
1 other companyConnections & network
2 current directorsThe board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
Timeline
Acts, filings and financial milestones
22-03
Gazette deed
Resignations: KOOIJMAN Marinus Cornelis (director) and VAN PRAET Bart (director)Appointments: Suerte Indalo B.V. (director) and Management BVP BV (director) · Permanent representatives: KOOIJMAN Marinus Cornelis and VAN PRAET Bart · Share transfer14 points ▸
- General meeting, 27-07-2022
- Director resignation, KOOIJMAN Marinus Cornelis (director)
- Director resignation, VAN PRAET Bart (director)
- Director appointment, Suerte Indalo B.V. (director)
- Permanent representative, KOOIJMAN Marinus Cornelis
- Director appointment, Management BVP BV (director)
- Permanent representative, VAN PRAET Bart
- Share transfer, KOOIJMAN Marinus Cornelis → Suerte Indalo B.V.
- Share transfer, VAN PRAET Bart → Management BVP BV
- Suerte Indalo B.V. holds 72 shares (50%)
- KOOIJMAN Marinus Cornelis is a shareholder
- Management BVP BV holds 72 shares (50%)
- The act holds 2 more points.
06-05
Gazette deed
IncorporationAppointments: VAN PRAET Bart (director) and KOOIJMAN Marinus Cornelis (director) · Founder · Founding capital10 points ▸
- Founder, VAN PRAET Bart
- Founder, KOOIJMAN Marinus Cornelis
- Incorporation, “PREMTECH” (deed in Dutch)
- Founding capital, €2,500
- Registered office clause, “1742 Sint-Katherina-Lombeek,Korenbloemstraat 8” (deed in Dutch)
- Board rule, 2, “vergadering beslist aantal bestuurders te bepalen” (deed in Dutch)
- Director appointment, VAN PRAET Bart (director (not named in the articles))
- Director appointment, KOOIJMAN Marinus Cornelis (director (not named in the articles))
- Pre-incorporation commitments, “takeover, alle verbintenissen en verplichtingen die eruit voortvloeien en alle activiteiten ondernomen in naam en voor rekening van vennootschap in oprichting” (deed in Dutch)
- Power of attorney, Olivier De Ruyver
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
9 activities
- Groothandel in reinigings-, verlijmings- en afdichtproducten;
- Groothandel in smeermiddelen, tapes en toebehoren;
- Import en export van reinigings-, verlijmings- en afdichtproducten;
- Import en export van smeermiddelen, tapes en toebehoren;
- Het verlenen van administratieve, consultancy en ondersteunende activiteiten;
- Organisatie van congressen en beurzen;
- Het publiceren van wetenschappelijke literatuur onder de vorm van artikelen, nota’s, schriftelijke commentaren, boeken en syllabi, met betrekking tot het voorgaande;
- De vennootschap mag beschikbare gelden beleggen in onroerende en roerende goederen.
- Vermogensbeheer, handel in eigen onroerend goed, alsmede de verhuur van eigen of geleasd onroerend goed.
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23071B0559/00A000 | Flanders | 529 m² | 1 · 120 m² | - |