Summary
PRODEAS 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 €62k and a net result of €7k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 87% of 2444 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 7 filingsDeviation from the deadline
2025
28 d late
2024
31 d late
2023
5 d late
2022
31 d late
2021
122 d late
2020
19 d late
2019
52 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€62k▲ 12.0%
2024 · €55k
Net result
€7k▲ 16.0%
2024 · €6k
Total assets
€69k▲ 19.1%
2024 · €58k
Solvency
89.1%▼ 5.7pp
2024 · 94.8%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€-5k▲ 59.6%€27k€1k▼ 96.2%€8k▲ 723%€10k▲ 16.7%
Net result€-5k▲ 59.2%€27k€1k▼ 94.9%€6k▲ 319%€7k▲ 16.0%
Equity€21k▼ 18.6%€48k▲ 125%€50k▲ 2.8%€55k▲ 11.5%€62k▲ 12.0%
Total assets€22k▼ 18.7%€48k▲ 125%€50k▲ 2.7%€58k▲ 17.5%€69k▲ 19.1%
Debt€140▼ 33.5%€145▲ 3.8%€75▼ 48.4%€3k▲ 3,980%€8k▲ 147%
Working capital€15k▼ 18.8%€43k▲ 190%€46k▲ 6.5%€53k▲ 14.6%€60k▲ 13.7%
Solvency99.3%▲ 0.1pp99.7%▲ 0.3pp99.8%▲ 0.1pp94.8%▼ 5.1pp89.1%▼ 5.7pp
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 17% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €69k
Fixed assets
€2k ▼ 22.2%
Current assets
€67k ▲ 21.1%
Equity and liabilities €69k
Equity
€62k ▲ 12.0%
Debt
€8k ▲ 147%
Debt's share of the balance-sheet total rises from 5.2% to 10.9%. Equity and debt are higher.
Key figures and ratios
ROE
10.7%▲
2024 · 10.3%
ROA
9.5%▼
2024 · 9.8%
Debt ≤ 1 year
€8k▲
2024 · €3k
Income taxes
€4k▲
2024 · €3k
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €1k | €1k | €1k | €586 | ▼ 41.9% |
| Other operating charges640/8 | €10k | €639 | €100 | - | €100 | - |
| Gross operating margin9900 | €7k | €29k | €3k | €9k | €11k | ▲ 11.5% |
| Operating profit (loss)9901 | €-5k | €27k | €1k | €8k | €10k | ▲ 16.7% |
| Financial income75/76B | - | €255 | €456 | €396 | €378 | ▼ 4.6% |
| Recurring financial income75 | - | €255 | €456 | €396 | €378 | ▼ 4.6% |
| Financial charges65/66B | €70 | €55 | €42 | €47 | €48 | ▲ 3.2% |
| Recurring financial charges65 | €70 | €55 | €42 | €47 | €48 | ▲ 3.2% |
| Profit (loss) for the period before taxes9903 | €-5k | €27k | €1k | €9k | €10k | ▲ 15.8% |
| Income taxes67/77 | - | - | €75 | €3k | €4k | ▲ 15.4% |
| Profit (loss) for the period9904 | €-5k | €27k | €1k | €6k | €7k | ▲ 16.0% |
| Profit (loss) for the period to be appropriated9905 | €-5k | €27k | €1k | €6k | €7k | ▲ 16.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €22k | €48k | €50k | €58k | €69k | ▲ 19.1% |
| Fixed assets21/28 | €7k | €5k | €4k | €3k | €2k | ▼ 22.2% |
| Tangible fixed assets22/27 | €7k | €5k | €4k | €3k | €2k | ▼ 22.2% |
| Land and buildings22 | €4k | €4k | €3k | €3k | €2k | ▼ 22.2% |
| Furniture and vehicles24 | €2k | €1k | €424 | €0 | - | - |
| Current assets29/58 | €15k | €43k | €46k | €56k | €67k | ▲ 21.1% |
| Amounts receivable within one year40/41 | €1k | €6k | €6k | €7k | €7k | ▲ 6.3% |
| Other amounts receivable41 | €1k | €6k | €6k | €7k | €7k | ▲ 6.3% |
| Cash at bank and in hand54/58 | €14k | €37k | €40k | €49k | €60k | ▲ 23.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €22k | €48k | €50k | €58k | €69k | ▲ 19.1% |
| Equity10/15 | €21k | €48k | €50k | €55k | €62k | ▲ 12.0% |
| Contributions10/11 | €50k | €50k | €50k | €50k | €50k | = |
| Capital10 | €50k | - | - | - | - | - |
| Issued capital100 | €50k | - | - | - | - | - |
| Reserves13 | - | - | - | €6k | €12k | ▲ 116% |
| Distributable reserves133 | - | - | - | €6k | €12k | ▲ 116% |
| Profit (loss) carried forward14 | €-29k | €-2k | €-458 | €-458 | €-458 | = |
| Investment grants15 | €0 | - | - | - | - | - |
| Amounts payable17/49 | €140 | €145 | €75 | €3k | €8k | ▲ 147% |
| Amounts payable within one year42/48 | €140 | €145 | €75 | €3k | €8k | ▲ 147% |
| Trade debts44 | - | €145 | - | - | €979 | - |
| Suppliers440/4 | - | €145 | - | - | €979 | - |
| Taxes, remuneration and social security45 | - | - | €75 | €3k | €7k | ▲ 115% |
| Taxes450/3 | - | - | €75 | €3k | €7k | ▲ 115% |
| Other amounts payable47/48 | €140 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-5k | €27k | €1k | €6k | €7k | ▲ 16.0% |
| + Depreciation and write-downs630 | €1k | €1k | €1k | €1k | €586 | ▼ 41.9% |
| Operating cash flow (approximation) | €-3k | €28k | €3k | €7k | €7k | ▲ 7.3% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €23k | €2k | €9k | €11k | ▲ 22.0% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 612.77
Current ratio from 297.46 to 612.77; short-term debt falls from €145 to €75.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €27k
Net result €27k after 3 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 297.46
Current ratio from 107.16 to 297.46.
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 122 days late
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 52 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, Nivelles · 1 establishment unit since 2019
Ground area
377 m²
Building footprint
80 m²
Volume, LiDAR
793 m³
Parcel 25782D0794/00_000, Wallonia · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
PRODEAS
since 20192.392.760.663
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782D0794/00_000 | Wallonia | 377 m² | 1 · 80 m² | 13.0 m · 3 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.
Similar companies · same sector, comparable size
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ASSURANCES LIURNO
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,219. 2,429 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
Founded25-01-2019
Fiscal year end31-12
Trade name FR
PRO DEAS
Activities, NACEBEL 2025
66220Insurance agents and brokers
Scores and ratios are computed by Checked and are not a credit decision.