Active BE 0808.023.064Private limited company

PRODECO M&I

Moerstraat 87 ·8560 Wevelgem, Belgium· 17 yrs active

Sector: Activities of holding companies (64210)

Conclusion Checked

PRODECO M&I 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 €1.18M and a net result of €137k. Equity is growing by ~24.7% per year across the filed fiscal years. Its solvency ranks better than 81% of 7837 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€1.18M
Net result	€137k
Better than sector	81%
Active	17 yrs

Financial profile 4 of 5 axes measured · computed by Checked

78 / 100

Strong profile, led by solvency.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 58

Solvency 100

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2008, 17 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score

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.

Financial overview17 NBB filings

Annual accounts filed on 08-07-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~24.7%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial service activities, except insurance and pension funding · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	83.5%	51.3%	better than 81% of 7837 sector peers
Net result	€137k	€33k	better than 86% of 7841 sector peers
Equity	€1.18M	€132k	better than 91% of 7843 sector peers
Gross operating margin	€238k	€63k	better than 90% of 7830 sector peers
Total assets	€1.41M	€337k	better than 84% of 7840 sector peers

Net profit

€137k

-34.8% 21-25

Total assets

€1.41M

+13.8% 21-25

Equity

€1.18M

+12.9% 21-25

Income taxes

€78k

-6.8% 21-25

Dividends

€2k

-8.8% 21-25

Debt

€232k

+18.1% 21-25

Debt ≤ 1y

€99k

+55.6% 21-25

Debt > 1y

€133k

0.0% 21-25

Solvency

83.5%

-0.7% 21-25

ROE

11.6%

-42.3% 21-25

ROA

9.7%

-42.7% 21-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	micro schema	micro schema	abbreviated schema	abbreviated schema	abbreviated schema
Revenue	n/a	n/a	n/a	n/a	n/a
EBITDA	n/a	n/a	n/a	n/a	n/a
Net profit	€137k	€210k	€226k	€83k	€139k
Cash flow	n/a	n/a	n/a	n/a	n/a
Staff costs	-	-	-	-	-
Income taxes	€78k	€84k	€78k	€34k	€61k
Dividends	€2k	€2k	€2k	€2k	€2k
Total assets	€1.41M	€1.24M	€1.07M	€855k	€846k
Equity	€1.18M	€1.04M	€834k	€610k	€529k
Debt	€232k	€197k	€237k	€244k	€317k
of which ≤ 1y	€99k	€64k	€75k	€37k	€94k
of which > 1y	€133k	€133k	€162k	€207k	€222k
Working capital	n/a	n/a	n/a	n/a	n/a
Employees (FTE)	-	-	-	-	-

Note: these years are not on the same basis. The filed schemas differ (micro schema, abbreviated schema), so the columns are not directly comparable.

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	n/a	n/a	n/a	n/a	n/a
Quick ratio	n/a	n/a	n/a	n/a	n/a
Working capital ratio	n/a	n/a	n/a	n/a	n/a
Solvency	83.5%	84.1%	77.9%	71.4%	62.5%
Debt / equity	n/a	n/a	n/a	n/a	n/a
Long-term debt ratio	n/a	n/a	n/a	n/a	n/a
Interest coverage	n/a	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a	n/a
ROA	9.7%	16.9%	21.1%	9.7%	16.4%
ROE	11.6%	20.1%	27.1%	13.6%	26.2%
EBITDA margin	n/a	n/a	n/a	n/a	n/a
Days sales outstanding	n/a	n/a	n/a	n/a	n/a
Days payable outstanding	n/a	n/a	n/a	n/a	n/a
Inventory turnover	n/a	n/a	n/a	n/a	n/a
Days inventory (DSI)	n/a	n/a	n/a	n/a	n/a

Balance-sheet composition 2025

Assets

Fixed assets €475k · 33.7% Current assets €934k · 66.3%

Equity & liabilities

Equity €1.18M · 83.5% Debt €232k · 16.5%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.41M	€1.24M	€1.07M	€855k	€846k
Fixed assets	21/28	€475k	€512k	€453k	€471k	€474k
Tangible fixed assets	22/27	€475k	€512k	€453k	€471k	€474k
Current assets	29/58	€934k	€727k	€619k	€384k	€372k
Amounts receivable within one year	40/41	€158k	€69k	€257k	€45k	€37k
Investments	50/53	€0	€500k	-	-	-
Cash & bank	54/58	€776k	€147k	€358k	€337k	€331k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.41M	€1.24M	€1.07M	€855k	€846k
Equity	10/15	€1.18M	€1.04M	€834k	€610k	€529k
Contributions / capital	10/11	€19k	€19k	€19k	€19k	-
Reserves	13	€1.16M	€1.02M	€816k	€592k	€510k
Accumulated profits (losses)	14	€0	€0	€0	-	-
Amounts payable	17/49	€232k	€197k	€237k	€244k	€317k
Amounts payable after one year	17	€133k	€133k	€162k	€207k	€222k
Amounts payable within one year	42/48	€99k	€64k	€75k	€37k	€94k
Trade debts payable within one year	44	€982	€4k	€781	€2k	€5k
Income statement
Gross operating margin	9900	€238k	€336k	€325k	€138k	€221k
Operating result	9901	€200k	€294k	€304k	€118k	€201k
Financial income	75	€16k	€0	€142	-	-
Financial charges	65	€681	€114	€558	€875	€1k
Result before taxes	9903	€215k	€294k	€304k	€117k	€199k
Income taxes	67/77	€78k	€84k	€78k	€34k	€61k
Net result for the period	9904	€137k	€210k	€226k	€83k	€139k
Result to be appropriated	9905	€179k	€83k	€100k	€83k	€139k

Legal Structure

NACE primary	Activities of holding companies(64210)
Legal form	Private limited company(610)
Incorporation	21-11-2008
Status	Active
Postal code	8560

Establishment units 1 location

PRODECO M&I

Moerstraat 87, 8560 WevelgemCrop and animal production, hunting and related service activities

since 20082.175.492.343

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
34302B0236/00C000	Flanders	1,619 m²	1 · 219 m²	9.5 m · 2 fl.

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.

Updates 10 events

All 14Financial 4Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

08-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

23-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Equity above €1MEq €1.04M ▲24.9%

4 profitable years in a row build equity to €1.04M.

21-06

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

31-12

Financial Highest result since 2021net €226k ▲172%

Operating result €304k, net result €226k, both a record.

11-04

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

31-12

Financial Weakest financial yearnet €83k ▼40.1%

Net result drops to €83k, the lowest in the series; recovery starts the following year.

31-12

Financial Liquidity triplescurrent ratio 10.43

Current ratio from 3.96 to 10.43; short-term debt falls from €94k to €37k.

18-03

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2021

02-07

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

05-05

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

28-06

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

19-06

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

31-08

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 31 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activities of holding companies64210

Names & trade names

Legal nameNL

PRODECO M&I

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