Equity
€118,238 from €228,032 in 2009
Equity fell by 48% in 16 years.
PROJECTIF
Lifetime
20 annual accounts with figures on one time axis, 29 filings since 1997peak €83,060 (2022)
€56,368▼ 15.8%
lowest -€61,148 (2018)
€24,216▼ 8.2%
peak €228,032 (2009)
€118,238▼ 17.9%
€48,289▲ 95.5%
Board2 names since 2021
1 directorCAMAL Didier
Documentsfilings and deeds
07-04-2026115 days before the deadline
2025micro format
Gross margin from €66,945 to €56,368Equity from €144,023 to €118,238Debts from €24,694 to €48,289Cash from €796 to €19,487
Key points
from the 2025 annual accountsChecked score
94
Excellent
Financially stronger than 50% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025highest value
08-2025: 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: < 0.1%▼ -0.1 percentage points vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 7.60, cash €19,487
Figures for financial year 2025 (filed on 07-04-2026)
Equity €118,238 (68.6% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 64% of them on solvency, 56% on liquidity, 55% on profitability and 23% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as PROJECTIF has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of PROJECTIF itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for PROJECTIF. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €11,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 7.6 (0.7 in 2024), above the usual 1.5. Short-term debt is 4% and cash 11.3% of total assets. 31.4% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-04-2026, 115 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
115 days early
2024
31 days early
2023
24 days early
2022
36 days early
2021
32 days early
2020
37 days early
2019
39 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 45 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0459930349
Resignation: Ingrid DEMBOUR (director)
Director discharge: Ingrid DEMBOUR · General meeting of 28-06-2024 · Gazette deed
Changes of role: CAMAL Didier (director) and DEMBOUR Ingrid (director)
Director discharge: CAMAL Didier · Director discharge: DEMBOUR Ingrid · General meeting of 11-05-2023 · Gazette deed
First establishment
Tilleul 194, Pepinster
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PROJECTIF Pepinster | €172,405 | €56,368 | 68.6% | - |
| TERRAGRI Verlaine | €194,010 | €49,475 | 68.7% | - |
| VASTGOED ADVIES CENTRUM & PARTNERS Mechelen | €176,406 | €58,048 | 59.0% | - |
| NOBLE HOUSE Brasschaat | €195,443 | €57,523 | 58.6% | - |
| MARONA Asse | €197,244 | €56,804 | 61.9% | - |
| LINLOR SERVICEBURO Knokke-Heist | €173,340 | €53,116 | 84.2% | - |
| BEAR COMMUNICATIONS Schoten | €187,604 | €51,293 | 43.4% | - |
These companies have the same main activity as PROJECTIF: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €173,000 and €197,000, founded between 1996 and 1999.
Official details
Source: KBO- Status
- Active since 10-02-1997Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.080.604.8644861 Pepinster, since 25-02-1997
- Financial year end
- 31 December
- Peppol
- Reachable since 26-11-2025
Annual accounts 2025
- ≈ €120,000estimated
- €172,405▲ 2.2%
- Filing
- Filed on 07-04-2026, 115 days before the end of the filing period
Insights on PROJECTIF
PROJECTIF files the micro format. That format states no turnover. The gross margin rose from €54,342 in 2006 to €56,368 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PROJECTIF
- What is the company number of PROJECTIF?
- The company number of PROJECTIF is 0459.930.349. The VAT number is the same number with BE in front: BE 0459.930.349.
- Where is PROJECTIF based?
- The registered office is at Tilleul 194, 4861 Pepinster.Company details
- What does PROJECTIF do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of PROJECTIF?
- PROJECTIF is a private limited company (BV).
- When was PROJECTIF founded?
- PROJECTIF was founded on 10-02-1997.
- Is PROJECTIF still active?
- Yes, PROJECTIF is an active enterprise in the KBO register.
- What is the turnover of PROJECTIF?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €56,368 and 120 comparable companies (NACE 70200). It probably lies between €87,000 and €150,000.Financials
- Is PROJECTIF profitable?
- In financial year 2025, PROJECTIF made a profit of €24,216.
- Where can I find the annual accounts of PROJECTIF?
- PROJECTIF filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PROJECTIF due?
- PROJECTIF must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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