PRISMAD
ActiveSummary
PRISMAD has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €663k and a net result of €-8k. Equity is growing by ~12.9% per year across the filed fiscal years. Its solvency ranks better than 31% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▼-25
Solvency58▼-11
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 1.5 in 2024; short-term debt: 16.1% and cash: 0% of total assets), but 67% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
2023
30 d late
2022
24 d late
2021
9 d late
2020
30 d late
2019
28 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-8k
2024 · €169k
2018: €9k
2019: €-7k
2020: €-27k
2021: €113k
2022: €32k
2023: €66k
2024: €169k
2018 → 2025
Working capital
€326k▲ 101%
2024 · €163k
2018: €78k
2019: €246k
2020: €333k
2021: €366k
2022: €320k
2023: €71k
2024: €163k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€404k-€436k▲ 8.0%€502k▲ 15.1%€670k▲ 33.6%€663k▼ 1.2%
Operating result€-146-€78k€37k▼ 51.9%€58k▲ 55.1%€-4k
Net result€113k-€32k▼ 71.7%€66k▲ 105%€169k▲ 156%€-8k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €58k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.01M
Fixed assets
€1.36M ▲ 29.0%
Current assets
€650k ▲ 33.5%
Equity and liabilities €2.01M
Equity
€663k ▼ 1.2%
Provisions
€56k =
Debt
€1.29M ▲ 58.6%
Debt's share of the balance-sheet total rises from 52.8% to 64.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€14k▼
2024 · €68k
Cash flow
€10k▼
2024 · €179k
Current ratio
2.01▲
2024 · 1.50
Debt to equity
1.95▲
2024 · 1.21
ROE
-1.2%▼
2024 · 25.2%
ROA
-0.4%▼
2024 · 11.0%
Interest coverage
1.56▼
2024 · 2.78
Debt ≤ 1 year
€324k▼
2024 · €324k
Debt > 1 year
€943k▲
2024 · €466k
Income taxes
€2k▼
2024 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.54M€2.01M▲
Fixed assets21/28€1.05M€1.36M▲
Tangible fixed assets22/27€22k€327k▲
Land and buildings22-€297k
Furniture and vehicles24€21k€30k▲
Other tangible fixed assets26€228-
Financial fixed assets28€1.03M€1.03M=
Current assets29/58€487k€650k▲
Amounts receivable after more than one year29€121k€108k▼
Other amounts receivable291€121k€108k▼
Amounts receivable within one year40/41€357k€523k▲
Trade receivables40€34k€55k▲
Other amounts receivable41€322k€468k▲
Cash at bank and in hand54/58€18€19▲
Deferred charges and accrued income490/1€9k€19k▲
Equity and liabilities
Total equity and liabilities10/49€1.54M€2.01M▲
Equity10/15€670k€663k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€650k€642k▼
Provisions and deferred taxes16€56k€56k=
Provisions for liabilities and charges160/5€56k€56k=
Pensions and similar obligations160€56k€56k=
Amounts payable17/49€813k€1.29M▲
Amounts payable after more than one year17€466k€943k▲
Financial debts170/4€466k€243k▼
Other amounts payable178/9-€700k
Amounts payable within one year42/48€324k€324k▼
Current portion of amounts payable after more than one year42€72k€76k▲
Financial debts43€19k€20k▲
Credit institutions430/8€19k€20k▲
Trade debts44€4k€6k▲
Suppliers440/4€4k€6k▲
Taxes, remuneration and social security45€40k€30k▼
Taxes450/3€40k€27k▼
Remuneration and social security454/9-€3k
Other amounts payable47/48€189k€193k▲
Accrued charges and deferred income492/3€23k€23k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€18k▲
Other operating charges640/8€7k€5k▼
Gross operating margin9900€75k€19k▼
Operating profit (loss)9901€58k€-4k▼
Financial income75/76B€152k€7k▼
Recurring financial income75€152k€7k▼
Financial charges65/66B€25k€9k▼
Recurring financial charges65€25k€9k▼
Profit (loss) for the period before taxes9903€185k€-5k▼
Income taxes67/77€17k€2k▼
Profit (loss) for the period9904€169k€-8k▼
Profit (loss) for the period to be appropriated9905€169k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€650k€642k▼
Profit (loss) brought forward from the previous period14P€481k€650k▲
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €169k ▲156%
Net result €169k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €500kEq €502k ▲15.1%
3 profitable years in a row build equity to €502k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 9 days late
2021
31-12
Financial
Back to profitnet €113k
Net result €113k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €-27k
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 28 days late
2019
31-12
Financial
Liquidity times 18current ratio 26.09
Current ratio from 1.42 to 26.09; short-term debt falls from €185k to €10k.
Show earlier events
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 24 days late
03-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 156 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Gerpinnes · 1 establishment unit since 2004
Ground area
2,188 m²
Building footprint
145 m²
Volume, LiDAR
1,229 m³
Parcel 52041A0190/00S039, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PRISMAD 06
since 20042.142.420.786
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52041A0190/00S039 | Wallonia | 2,188 m² | 1 · 145 m² | 10.9 m · 3 fl. |
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
Architecture, Design and More
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Antwerpen · Eq €662,167
3 G
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PLUSPUNT ARCHITECTUUR
BE 0861.265.176
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G - CONCEPT
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 3,546 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-09-2004
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
43350Other building finishing work
71121Engineering and related technical consultancy, excluding land surveyors
71122Land surveying
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.