PRISMA CONSTRUCT
ActiveSummary
PRISMA CONSTRUCT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €18,270 and a net result of €29,231. Equity is shrinking by ~28.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 37% of 5565 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
20 d early
2023
51 d late
2022
31 d early
2021
34 d early
2020
15 d early
2019
1 d early
← 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 10 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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
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Financials · fiscal year 2025, abbreviated schema
Equity
€18,270
2024 · -€10,961
Net result
€29,231
2024 · -€3,450
Total assets
€48,918▲ 279%
2024 · €12,905
Solvency
37.3%▲ 122.3pp
2024 · -84.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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-€651-€1,545▼ 137%-€759▲ 50.9%-€2,288▼ 201%€30,514
Net result-€818below the sector's middle half-€1,753below the sector's middle half▼ 114%-€2,704below the sector's middle half▼ 54.3%-€3,450below the sector's middle half▼ 27.6%€29,231within the sector's middle half
Equity-€3,055below the sector's middle half▼ 36.6%-€4,807below the sector's middle half▼ 57.4%-€7,511below the sector's middle half▼ 56.2%-€10,961below the sector's middle half▼ 45.9%€18,270below the sector's middle half
Total assets€23,196below the sector's middle half▼ 16.5%€21,444below the sector's middle half▼ 7.6%€21,096below the sector's middle half▼ 1.6%€12,905below the sector's middle half▼ 38.8%€48,918below the sector's middle half▲ 279%
Debt€26,251▼ 12.5%€26,251=€28,607▲ 9.0%€23,866▼ 16.6%€30,648▲ 28.4%
Working capital-€3,004▼ 37.4%-€4,756▼ 58.4%-€5,416▼ 13.9%-€8,118▼ 49.9%€21,941
Solvency-13.2%below the sector's middle half▼ 5.1pp-22.4%below the sector's middle half▼ 9.2pp-35.6%below the sector's middle half▼ 13.2pp-84.9%below the sector's middle half▼ 49.3pp37.3%within the sector's middle half▲ 122.3pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €30,514 after a loss of €2,288 in 2024, the highest result in the available series.
Balance-sheet composition
Equity and liabilities €48,918
Equity
€18,270
Debt
€30,648
Debt finances 62.7% of the balance-sheet total.
Key figures and ratios
ROE
160.0%
ROA
59.8%▲
2024 · -26.7%
Debt ≤ 1 year
€26,977▲
2024 · €21,023
Income taxes
-€27▼
2024 · €27
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €559 | €460 | €499 | €563 | €528 | ▼ 6.2% |
| Gross operating margin9900 | -€92 | -€1,085 | -€260 | -€1,725 | €31,042 | ▲ 1,900% |
| Operating profit (loss)9901 | -€651 | -€1,545 | -€759 | -€2,288 | €30,514 | ▲ 1,434% |
| Financial income75/76B | €19 | - | €567 | €102 | €52 | ▼ 49.0% |
| Recurring financial income75 | €19 | - | €567 | €102 | €52 | ▼ 49.0% |
| Financial charges65/66B | €186 | €208 | €2,512 | €1,237 | €1,362 | ▲ 10.1% |
| Recurring financial charges65 | €186 | €208 | €2,512 | €1,237 | €1,362 | ▲ 10.1% |
| Profit (loss) for the period before taxes9903 | -€818 | -€1,753 | -€2,704 | -€3,423 | €29,204 | ▲ 953% |
| Income taxes67/77 | - | - | - | €27 | -€27 | ▼ 200% |
| Profit (loss) for the period9904 | -€818 | -€1,753 | -€2,704 | -€3,450 | €29,231 | ▲ 947% |
| Profit (loss) for the period to be appropriated9905 | -€818 | -€1,753 | -€2,704 | -€3,450 | €29,231 | ▲ 947% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €23,196 | €21,444 | €21,096 | €12,905 | €48,918 | ▲ 279% |
| Current assets29/58 | €23,196 | €21,444 | €21,096 | €12,905 | €48,918 | ▲ 279% |
| Amounts receivable within one year40/41 | €9,439 | €3,420 | €11,417 | €2,390 | €38,751 | ▲ 1,521% |
| Trade receivables40 | - | - | €197 | €197 | €37,843 | ▲ 19,110% |
| Other amounts receivable41 | €9,439 | €3,420 | €11,220 | €2,193 | €908 | ▼ 58.6% |
| Cash at bank and in hand54/58 | €4,698 | €8,964 | €53 | €786 | €386 | ▼ 50.9% |
| Deferred charges and accrued income490/1 | €9,060 | €9,060 | €9,626 | €9,729 | €9,781 | ▲ 0.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €23,196 | €21,444 | €21,096 | €12,905 | €48,918 | ▲ 279% |
| Equity10/15 | -€3,055 | -€4,807 | -€7,511 | -€10,961 | €18,270 | ▲ 267% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Issued capital100 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€21,655 | -€23,407 | -€26,111 | -€29,561 | -€330 | ▲ 98.9% |
| Amounts payable17/49 | €26,251 | €26,251 | €28,607 | €23,866 | €30,648 | ▲ 28.4% |
| Amounts payable within one year42/48 | €26,200 | €26,200 | €26,512 | €21,023 | €26,977 | ▲ 28.3% |
| Trade debts44 | - | - | €312 | €323 | - | - |
| Suppliers440/4 | - | - | €312 | €323 | - | - |
| Taxes, remuneration and social security45 | - | - | - | - | €6,277 | - |
| Taxes450/3 | - | - | - | - | €6,277 | - |
| Other amounts payable47/48 | €26,200 | €26,200 | €26,200 | €20,700 | €20,700 | = |
| Accrued charges and deferred income492/3 | €51 | €51 | €2,095 | €2,843 | €3,671 | ▲ 29.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€818 | -€1,753 | -€2,704 | -€3,450 | €29,231 | ▲ 947% |
| Operating cash flow (approximation) | -€818 | -€1,753 | -€2,704 | -€3,450 | €29,231 | ▲ 947% |
| Change in cash | - | €4,266 | -€8,911 | €733 | -€400 | ▼ 155% |
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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €29,231
Net result €29,231 after 4 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.81
Current ratio from 0.61 to 1.81.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 51 days late
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €5,684
Net result €5,684 after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet -€11,717
Net result drops to -€11,717, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
01-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
02-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Kortrijk · 1 establishment unit since 2015
Ground area
1.6 ha
Building footprint
2,207 m²
Volume, LiDAR
14,411 m³
Parcel 34354D0147/00E000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Prisma Construct
since 20152.242.160.938
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354D0147/00E000 | Flanders | 1.6 ha | 1 · 2,207 m² | 8.3 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.
Structure & network
Owners and holdings
1 ownerOwners 1
-
20%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 7,108 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
Founded23-04-2015
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0628842684
Registered
05-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.