Proderma
ActiveProderma has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €159k and a net result of €8k. Equity is growing by ~22.6% per year across the filed fiscal years. Its solvency ranks better than 17% of 5989 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability51▼-11
Solvency38▼-36
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity short (current ratio 0.92 against 1.96 in 2023; short-term debt: 54.8% and cash: 18.7% of total assets), and 86.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 5989 sector peers (2024).
NBB · sector comparisonPosition among 5989 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-07-2025, 4 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
4 d early
2023
58 d late
2022
60 d late
2021
24 d late
2020
3 d early
2019
17 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€8k▼ 74.1%
2023 · €30k
2018: €8k
2019: €20k
2020: €10k
2021: €34k
2022: €25k
2023: €30k
2018 → 2024
Working capital
€-49k
2023 · €151k
2018: €34k
2019: €54k
2020: €62k
2021: €96k
2022: €121k
2023: €151k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€62k-€96k▲ 54.9%€121k▲ 26.1%€151k▲ 25.0%€159k▲ 5.2%
Operating result€18k-€37k▲ 108%€35k▼ 3.8%€38k▲ 7.7%€25k▼ 34.0%
Net result€10k-€34k▲ 227%€25k▼ 26.4%€30k▲ 20.9%€8k▼ 74.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 34% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.19M
Fixed assets
€588k
Current assets
€605k
Equity and liabilities €1.19M
Equity
€159k▲ 5.2%
Debt
€1.03M▲ 559%
The debt ratio rises from 50.9% to 86.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€35k
Cash flow
€17k
Solvency
13.3%▼
2023 · 49.1%
Current ratio
0.92▼
2023 · 1.96
Quick ratio
0.89▼
2023 · 1.80
Debt / equity
6.50▲
2023 · 1.04
ROE
4.9%▼
2023 · 20.0%
ROA
0.7%▼
2023 · 9.8%
Interest coverage
3.73
Debt
€1.03M▲
2023 · €157k
Debt ≤ 1 year
€654k▲
2023 · €157k
Debt > 1 year
€380k
Income taxes
€8k▲
2023 · €7k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€308k€1.19M▲
Fixed assets21/28-€588k
Tangible fixed assets22/27-€588k
Land and buildings22-€581k
Plant, machinery and equipment23-€7k
Current assets29/58€308k€605k▲
Stocks and contracts in progress3€25k€20k▼
Stocks30/36€25k€20k▼
Amounts receivable within one year40/41€891€362k▲
Trade receivables40-€362k
Other amounts receivable41€891€456▼
Cash at bank and in hand54/58€281k€222k▼
Deferred charges and accrued income490/1€911€31▼
Equity and liabilities
Total equity and liabilities10/49€308k€1.19M▲
Equity10/15€151k€159k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€131k€139k▲
Amounts payable17/49€157k€1.03M▲
Amounts payable after more than one year17-€380k
Financial debts170/4-€380k
Amounts payable within one year42/48€157k€654k▲
Current portion of amounts payable after more than one year42-€20k
Trade debts44€1k€155k▲
Suppliers440/4€1k€155k▲
Taxes, remuneration and social security45€14k€7k▼
Taxes450/3-€30
Remuneration and social security454/9€14k€7k▼
Other amounts payable47/48€142k€472k▲
Income statement
Code20232024
Remuneration, social security and pensions62€143k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€9k
Other operating charges640/8-€1k
Non-recurring operating charges66A-€64k
Gross operating margin9900€181k€100k▼
Operating profit (loss)9901€38k€25k▼
Financial charges65/66B€560€9k▲
Recurring financial charges65€560€9k▲
Profit (loss) for the period before taxes9903€37k€16k▼
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€30k€8k▼
Profit (loss) for the period to be appropriated9905€30k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€131k€139k▲
Profit (loss) brought forward from the previous period14P€100k€131k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €8k ▼74.1%
Net result drops to €8k, the lowest in the series.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 58 days late
2023
31-12
Financial
Equity above €150kEq €151k ▲25%
6 profitable years in a row build equity to €151k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Equity above €100kEq €121k ▲26.1%
5 profitable years in a row build equity to €121k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Highest result since 2018net €34k ▲227%
Net result €34k, the highest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Gerpinnes · 1 establishment unit since 2017
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.
Rue de Châtelet(GER) 176280 GerpinnesGround area
1.0 ha
Building footprint
4,765 m²
Volume, LiDAR
76,118 m³
2 parcels, Brussels, Wallonia · tallest building 28.4 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
PRODERMA
since 20172.273.739.980
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306C0289/00B004 | Brussels | 9,782 m² | 1 · 4,538 m² | 28.4 m · 7 fl. |
| 52029B0112/02F000 | Wallonia | 601 m² | 1 · 227 m² | 12.7 m · 3 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.
Similar companies · same sector, comparable size
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MANAGMENT and CONSULTING SERVICES
BE 0459.294.208
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STAEL CONSULTING
BE 0743.618.430
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COLVERCO
BE 0463.174.604
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SAPIENSE
BE 0463.741.756
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Of 4,428 companies in sector 46180 we hold annual accounts for 1,887. 1,401 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-02-2017
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.