Pro Commerce
ActiveThe computed 12-month bankruptcy probability of Pro Commerce is 1.7% (moderate). The 2025 annual accounts show equity of €45k and a net result of €8k. Equity is growing by ~24% per year across the filed fiscal years. Its solvency ranks better than 58% of 17987 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
89
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+31
Solvency85▲+15
Growth52=
Stability94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.87 against 1.51 in 2024), but 56.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 47
Relative position
BE, all sectors
reference
Sector 47
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
43.7%
Return on assets
8.1%
Age of the figures
8 mo
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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
19 d late
2023
7 d late
2022
31 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€366k
EBIT margin
5.3%
Net result
€8k▲ 86.0%
2024 · €4k
2022: €15k
2023: €12k
2024: €4k
2022 → 2025
Working capital
€28k▲ 96.1%
2024 · €14k
2022: €15k
2023: €27k
2024: €14k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€366k-
Equity€20k-€32k▲ 59.5%€37k▲ 13.9%€45k▲ 22.7%
Operating result€19k-€15k▼ 20.7%€7k▼ 56.3%€12k▲ 83.0%
Net result€15k-€12k▼ 21.0%€4k▼ 62.8%€8k▲ 86.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 83% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €103k
Fixed assets
€42k▼ 23.3%
Current assets
€61k▲ 42.5%
Equity and liabilities €103k
Equity
€45k▲ 22.7%
Debt
€58k▼ 5.0%
The debt ratio falls from 62.4% to 56.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€25k▲
2024 · €13k
Cash flow
€21k▲
2024 · €11k
Solvency
43.7%▲
2024 · 37.6%
Current ratio
1.87▲
2024 · 1.51
Quick ratio
0.70▲
2024 · 0.63
Debt / equity
1.29▼
2024 · 1.66
ROE
18.5%▲
2024 · 12.2%
ROA
8.1%▲
2024 · 4.6%
Interest coverage
37.65▲
2024 · 12.66
Debt
€58k▼
2024 · €61k
Debt ≤ 1 year
€33k▲
2024 · €28k
Debt > 1 year
€25k▼
2024 · €33k
Income taxes
€3k▲
2024 · €1k
Staff costs
€80▼
2024 · €132
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€98k€103k▲
Fixed assets21/28€55k€42k▼
Tangible fixed assets22/27€55k€42k▼
Furniture and vehicles24€55k€42k▼
Current assets29/58€43k€61k▲
Stocks and contracts in progress3€25k€38k▲
Stocks30/36€25k€38k▲
Amounts receivable within one year40/41€8k€14k▲
Trade receivables40-€302
Other amounts receivable41€8k€13k▲
Current investments50/53€9k€9k=
Cash at bank and in hand54/58€883€400▼
Equity and liabilities
Total equity and liabilities10/49€98k€103k▲
Equity10/15€37k€45k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€32k€40k▲
Amounts payable17/49€61k€58k▼
Amounts payable after more than one year17€33k€25k▼
Financial debts170/4€33k€25k▼
Amounts payable within one year42/48€28k€33k▲
Financial debts43€497€276▼
Credit institutions430/8€497€276▼
Trade debts44€18k€24k▲
Suppliers440/4€18k€24k▲
Taxes, remuneration and social security45€10k€9k▼
Taxes450/3€10k€9k▼
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62€132€80▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€13k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€14k€27k▲
Operating profit (loss)9901€7k€12k▲
Financial charges65/66B€1k€672▼
Recurring financial charges65€1k€672▼
Profit (loss) for the period before taxes9903€6k€12k▲
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€4k€8k▲
Profit (loss) for the period to be appropriated9905€4k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€40k▲
Profit (loss) brought forward from the previous period14P€27k€32k▲
The notes to these accounts (6 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
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Weakest financial yearnet €4k ▼62.8%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Schelle · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Witte Gevelstraat 562627 SchelleGround area
367 m²
Building footprint
201 m²
Volume, LiDAR
1,034 m³
Parcel 11038A0312/00L007, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pro Commerce
since 20212.318.888.235
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11038A0312/00L007 | Flanders | 367 m² | 1 · 201 m² | 9.8 m · 2 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.
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Of 12,965 companies in sector 47120 we hold annual accounts for 2,177. 1,497 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2021
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.