PRODECO 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 €4.62M and a net result of €1.56M. Equity is growing by ~33.1% per year across the filed fiscal years. Its solvency ranks better than 22% of 2377 sector peers (fiscal year 2025). The company has been active since 2022 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
27 d late
2024
30 d early
2023
37 d early
2022
25 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€4.62M▲ 29.8%
2024 · €3.56M
2022: €1.99M
2023: €2.38M
2024: €3.56M
2022 → 2025
Net result
€1.56M▼ 7.1%
2024 · €1.68M
2022: €530k
2023: €891k
2024: €1.68M
2022 → 2025
Total assets
€17.00M▲ 1.8%
2024 · €16.69M
2022: €16.26M
2023: €16.66M
2024: €16.69M
2022 → 2025
Solvency
27.2%▲ 5.9pp
2024 · 21.3%
2022: 12.3%
2023: 14.3%
2024: 21.3%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€131k-€2.46M▲ 1,773%€2.87M▲ 16.6%€3.04M▲ 5.8%
Equity€1.99M-€2.38M▲ 19.6%€3.56M▲ 49.5%€4.62M▲ 29.8%
Operating result€-148k-€302k€194k▼ 35.7%€179k▼ 7.9%
Net result€530k-€891k▲ 68.1%€1.68M▲ 88.4%€1.56M▼ 7.1%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17.00M
Fixed assets
€16.70M▲ 1.3%
Current assets
€296k▲ 41.5%
Equity and liabilities €17.00M
Equity
€4.62M▲ 29.8%
Debt
€12.37M▼ 5.7%
The debt ratio falls from 78.7% to 72.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
27.2%▲
2024 · 21.3%
ROE
33.8%▼
2024 · 47.1%
ROA
9.2%▼
2024 · 10.1%
Debt
€12.37M▼
2024 · €13.13M
Debt ≤ 1 year
€1.90M▲
2024 · €1.62M
Debt > 1 year
€10.47M▼
2024 · €11.50M
Income taxes
€1k▲
2024 · €-291
Staff costs
€435k▲
2024 · €381k
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€16.69M€17.00M▲
Fixed assets21/28€16.48M€16.70M▲
Intangible fixed assets21€525k€742k▲
Tangible fixed assets22/27€180k€184k▲
Plant, machinery and equipment23€37k€34k▼
Furniture and vehicles24€144k€150k▲
Financial fixed assets28€15.77M€15.77M=
Affiliated companies280/1€15.77M€15.77M=
Participating interests280€15.77M€15.77M=
Current assets29/58€209k€296k▲
Amounts receivable within one year40/41€95k€165k▲
Trade receivables40€85k€156k▲
Other amounts receivable41€10k€9k▼
Cash at bank and in hand54/58€42k€3k▼
Deferred charges and accrued income490/1€72k€128k▲
Equity and liabilities
Total equity and liabilities10/49€16.69M€17.00M▲
Equity10/15€3.56M€4.62M▲
Contributions10/11€301k€301k=
Reserves13€688k€688k=
Distributable reserves133€688k€688k=
Profit (loss) carried forward14€2.57M€3.63M▲
Amounts payable17/49€13.13M€12.37M▼
Amounts payable after more than one year17€11.50M€10.47M▼
Financial debts170/4€1.05M€306k▼
Credit institutions173€1.05M€306k▼
Other amounts payable178/9€10.45M€10.16M▼
Amounts payable within one year42/48€1.62M€1.90M▲
Current portion of amounts payable after more than one year42€745k€745k=
Trade debts44€292k€574k▲
Suppliers440/4€292k€574k▲
Taxes, remuneration and social security45€84k€85k▲
Taxes450/3€25k€12k▼
Remuneration and social security454/9€59k€73k▲
Other amounts payable47/48€500k€500k=
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Operating income70/76A€2.88M€3.09M▲
Turnover70€2.87M€3.04M▲
Other operating income74€11k€53k▲
Operating charges60/66A€2.69M€2.91M▲
Services and other goods61€2.21M€2.35M▲
Remuneration, social security and pensions62€381k€435k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€87k€119k▲
Other operating charges640/8€7k€7k▼
Non-recurring operating charges66A€500-
Operating profit (loss)9901€194k€179k▼
Financial income75/76B€1.75M€1.63M▼
Recurring financial income75€1.75M€1.63M▼
Income from financial fixed assets750€1.75M€1.63M▼
Other financial income752/9€6€24▲
Financial charges65/66B€262k€243k▼
Recurring financial charges65€262k€243k▼
Debt charges650€261k€242k▼
Other financial charges652/9€831€938▲
Profit (loss) for the period before taxes9903€1.68M€1.56M▼
Income taxes67/77€-291€1k▲
Taxes670/3€463€1k▲
Tax adjustments and reversals of tax provisions77€754-
Profit (loss) for the period9904€1.68M€1.56M▼
Profit (loss) for the period to be appropriated9905€1.68M€1.56M▼
Appropriation of the result
Profit (loss) to be appropriated9906€3.07M€4.13M▲
Profit (loss) brought forward from the previous period14P€1.39M€2.57M▲
Profit to be distributed694/7€500k€500k=
Return on contributions (dividend)694€500k€500k=
Social balance
Average headcount (FTE)90873.84.5▲
The notes to these accounts (52 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 27 days late
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2022net €1.68M ▲88.4%
Net result €1.68M, the highest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €2MEq €2.38M ▲19.6%
2 profitable years in a row build equity to €2.38M.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-01-2023
Resigned as Director
Location & real-estate footprint
Registered office, Sint-Niklaas · 1 establishment unit since 2022
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.
Industriepark-Noord 149100 Sint-NiklaasGround area
2.5 ha
Building footprint
1.5 ha
Volume, LiDAR
88,109 m³
Parcel 46442C0726/00A002, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PRODECO
since 20222.340.263.273
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46442C0726/00A002 | Flanders | 2.5 ha | 1 · 1.5 ha | 10.7 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 24,726 companies in sector 64210 we hold annual accounts for 19,747. 8,380 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2022
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.