ProAcMa
ActiveProAcMa has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €33k. Equity is growing by ~18.3% per year across the filed fiscal years. Its solvency ranks better than 76% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+13
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 5.01 against 4.87 in 2024; short-term debt: 19.9% and cash: 3% of total assets), and 19.9% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
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
80.1%
Return on assets
27.7%
Age of the figures
9 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 17-09-2026, 48 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 · 10 filingsDeviation from the deadline
2025
48 d late
2024
134 d late
2023
153 d late
2022
150 d late
2021
29 d late
2020
46 d early
2019
122 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€97k▲ 7.0%
2024 · €90k
2018: €14k
2019: €31k
2020: €44k
2021: €58k
2022: €71k
2023: €74k
2024: €90k
2018 → 2025
Total assets
€121k▲ 6.2%
2024 · €114k
2018: €57k
2019: €62k
2020: €74k
2021: €98k
2022: €122k
2023: €107k
2024: €114k
2018 → 2025
Net result
€33k▲ 106%
2024 · €16k
2018: €-4k
2019: €16k
2020: €13k
2021: €24k
2022: €14k
2023: €3k
2024: €16k
2018 → 2025
Working capital
€97k▲ 7.0%
2024 · €90k
2018: €12k
2019: €20k
2020: €35k
2021: €51k
2022: €67k
2023: €74k
2024: €90k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€58k-€71k▲ 23.4%€74k▲ 3.9%€90k▲ 21.9%€97k▲ 7.0%
Operating result€30k-€16k▼ 45.2%€877▼ 94.7%€19k▲ 2,012%€42k▲ 126%
Net result€24k-€14k▼ 43.6%€3k▼ 79.2%€16k▲ 475%€33k▲ 106%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 126% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121k
Fixed assets
€50=
Current assets
€121k▲ 6.2%
Equity and liabilities €121k
Equity
€97k▲ 7.0%
Debt
€24k▲ 3.2%
The debt ratio falls from 20.5% to 19.9%. Equity and debt are higher.
Key figures and ratios
Solvency
80.1%▲
2024 · 79.5%
Current ratio
5.01▲
2024 · 4.87
Quick ratio
5.01▲
2024 · 4.87
Debt / equity
0.25▼
2024 · 0.26
ROE
34.6%▲
2024 · 17.9%
ROA
27.7%▲
2024 · 14.3%
Debt
€24k▲
2024 · €23k
Debt ≤ 1 year
€24k▲
2024 · €23k
Income taxes
€14k▲
2024 · €8k
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€114k€121k▲
Fixed assets21/28€50€50=
Financial fixed assets28€50€50=
Current assets29/58€114k€121k▲
Amounts receivable within one year40/41€105k€111k▲
Trade receivables40-€6k
Other amounts receivable41€105k€105k=
Cash at bank and in hand54/58€3k€4k▲
Deferred charges and accrued income490/1€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€114k€121k▲
Equity10/15€90k€97k▲
Contributions10/11€19k€19k=
Reserves13€72k€78k▲
Distributable reserves133€72k€78k▲
Amounts payable17/49€23k€24k▲
Amounts payable within one year42/48€23k€24k▲
Current portion of amounts payable after more than one year42-€4k
Trade debts44€14k€3k▼
Suppliers440/4€14k€3k▼
Taxes, remuneration and social security45€9k€14k▲
Taxes450/3€9k€14k▲
Other amounts payable47/48-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€381-
Other operating charges640/8€1k€1k▲
Gross operating margin9900€20k€43k▲
Operating profit (loss)9901€19k€42k▲
Financial income75/76B€6k€6k▼
Recurring financial income75€6k€6k▼
Financial charges65/66B€541€181▼
Recurring financial charges65€541€181▼
Profit (loss) for the period before taxes9903€24k€48k▲
Income taxes67/77€8k€14k▲
Profit (loss) for the period9904€16k€33k▲
Profit (loss) for the period to be appropriated9905€16k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€33k▲
Transfer from equity791/2-€27k
Transfer to equity691/2€16k€33k▲
To the legal reserve6920€16k-
To other reserves6921-€33k
Profit to be distributed694/7-€27k
Return on contributions (dividend)694-€27k
The notes to these accounts (5 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
17-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 48 days late
2025
31-12
Financial
Highest result since 2018net €33k ▲106%
Operating result €42k, net result €33k, both a record.
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 134 days late
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 153 days late
2023
28-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 150 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
23-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Brugge · 1 establishment unit since 1997
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.
Zeepziederijstraat 48200 BruggeGround area
1,161 m²
Building footprint
319 m²
Volume, LiDAR
3,229 m³
2 parcels, Flanders · tallest building 19.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
DEKLERCK & ZOON
since 19972.084.759.038
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31424B0706/00N003 | Flanders | 775 m² | 1 · 124 m² | 19.2 m · 6 fl. |
| 31512B0594/00V000 | Flanders | 386 m² | 1 · 196 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 2,272 EUR awarded · 2,332 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,004 EUR | 1,004 EUR |
| 2024 | 1 | 315 EUR | 315 EUR |
| 2023 | 1 | 630 EUR | 690 EUR |
| 2022 | 1 | 323 EUR | 323 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,550 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-1997
Fiscal year end31-12
Activities, NACEBEL
60242
70200Business and other management consultancy
70220Business consulting
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.