PRO-MED
ActiveThe computed 12-month bankruptcy probability of PRO-MED is 2.3% (moderate). The 2025 annual accounts show equity of €85k and a net result of €16k. Equity is growing by ~23.9% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+75
Solvency100=
Growth52=
Stability94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 12.85 against 11.21 in 2024), and 8.2% 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
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
91.8%
Return on assets
17.1%
Age of the figures
8 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
29 d late
2023
7 d early
2022
11 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€85k▲ 22.8%
2024 · €70k
2022: €34k
2023: €68k
2024: €70k
2022 → 2025
Total assets
€93k▲ 22.2%
2024 · €76k
2022: €48k
2023: €77k
2024: €76k
2022 → 2025
Net result
€16k▲ 543%
2024 · €2k
2022: €30k
2023: €35k
2024: €2k
2022 → 2025
Working capital
€78k▲ 31.6%
2024 · €59k
2022: €29k
2023: €61k
2024: €59k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€34k-€68k▲ 98.2%€70k▲ 2.2%€85k▲ 22.8%
Operating result€40k-€45k▲ 14.6%€5k▼ 89.2%€22k▲ 348%
Net result€30k-€35k▲ 14.4%€2k▼ 92.9%€16k▲ 543%
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 348% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €93k
Fixed assets
€8k▼ 24.6%
Current assets
€85k▲ 30.0%
Equity and liabilities €93k
Equity
€85k▲ 22.8%
Debt
€8k▲ 15.5%
The debt ratio falls from 8.7% to 8.2%: equity grows faster than debt.
Key figures and ratios
EBITDA
€25k▲
2024 · €8k
Cash flow
€19k▲
2024 · €5k
Solvency
91.8%▲
2024 · 91.3%
Current ratio
12.85▲
2024 · 11.21
Quick ratio
12.85▲
2024 · 11.21
Debt / equity
0.09▼
2024 · 0.10
ROE
18.6%▲
2024 · 3.6%
ROA
17.1%▲
2024 · 3.2%
Interest coverage
63.38▲
2024 · 28.07
Debt
€8k▲
2024 · €7k
Debt ≤ 1 year
€7k▲
2024 · €6k
Income taxes
€6k▲
2024 · €2k
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€76k€93k▲
Fixed assets21/28€11k€8k▼
Tangible fixed assets22/27€10k€8k▼
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€6k€6k▼
Financial fixed assets28€363€363=
Current assets29/58€65k€85k▲
Amounts receivable after more than one year29€25k€25k=
Other amounts receivable291€25k€25k=
Amounts receivable within one year40/41€12k€20k▲
Trade receivables40€9k€19k▲
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€26k€37k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€76k€93k▲
Equity10/15€70k€85k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€65k€80k▲
Amounts payable17/49€7k€8k▲
Amounts payable within one year42/48€6k€7k▲
Financial debts43-€47
Credit institutions430/8-€47
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€200€0▼
Taxes450/3€200€0▼
Other amounts payable47/48€3k€5k▲
Accrued charges and deferred income492/3€816€1k▲
Income statement
Code20242025
Non-recurring operating income76A€400€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€581€544▼
Non-recurring operating charges66A€927€0▼
Gross operating margin9900€9k€25k▲
Operating profit (loss)9901€5k€22k▲
Financial income75/76B€330€330=
Recurring financial income75€330€330=
Financial charges65/66B€268€387▲
Recurring financial charges65€268€387▲
Profit (loss) for the period before taxes9903€5k€22k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€2k€16k▲
Profit (loss) for the period to be appropriated9905€2k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€66k€80k▲
Profit (loss) brought forward from the previous period14P€63k€65k▲
Profit to be distributed694/7€1k€0▼
Return on contributions (dividend)694€1k€0▼
The notes to these accounts (10 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
31-07
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
Weakest financial yearnet €2k ▼92.9%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €35k ▲14.4%
Operating result €45k, net result €35k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 7.70
Current ratio from 3.18 to 7.70; short-term debt falls from €13k to €9k.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zwalm · 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.
Neerstraat(Ned) 289636 ZwalmGround area
1,380 m²
Building footprint
147 m²
Volume, LiDAR
987 m³
Parcel 45030A0134/00C002, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PRO-MED
since 20212.326.450.572
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45030A0134/00C002 | Flanders | 1,380 m² | 1 · 147 m² | 10.2 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2021
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.