PROJEM
ActiveSummary
PROJEM has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €230k and a net result of €-20k. Equity is shrinking by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 23% of 8966 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability33▼-2
Solvency45▼-3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 1.67 in 2023; short-term debt: 62.4% and cash: 2.1% of total assets), but 79.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
20.2%
Return on assets
-1.7%
Age of the figures
21 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-20k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 8966 sector peers (2024).
NBB · sector comparisonPosition among 8966 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
29 d early
2022
3 d early
2021
2 d early
2020
2 d early
2019
25 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€230k▼ 7.9%
2023 · €250k
2018: €284k
2019: €282k
2020: €277k
2021: €268k
2022: €260k
2023: €250k
2018 → 2024
Total assets
€1.14M▲ 2.7%
2023 · €1.11M
2018: €520k
2019: €514k
2020: €1.10M
2021: €1.10M
2022: €1.10M
2023: €1.11M
2018 → 2024
Net result
€-20k▼ 86.5%
2023 · €-11k
2018: €-1k
2019: €-2k
2020: €-38k
2021: €-9k
2022: €-8k
2023: €-11k
2018 → 2024
Working capital
€428k▼ 3.2%
2023 · €442k
2018: €284k
2019: €282k
2020: €453k
2021: €450k
2022: €447k
2023: €442k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€277k-€268k▼ 3.1%€260k▼ 3.1%€250k▼ 4.1%€230k▼ 7.9%
Operating result€-2k-€-3k▼ 80.1%€-3k▲ 17.0%€-5k▼ 93.8%€-12k▼ 148%
Net result€-38k-€-9k▲ 76.8%€-8k▲ 5.6%€-11k▼ 28.8%€-20k▼ 86.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2024 against €5k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €1.14M
Equity
€230k ▼ 7.9%
Debt
€907k ▲ 5.8%
Debt's share of the balance-sheet total rises from 77.5% to 79.8%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.60▼
2023 · 1.67
Quick ratio
0.04▲
2023 · 0.01
Debt to equity
3.95▲
2023 · 3.43
ROE
-8.6%▼
2023 · -4.3%
ROA
-1.7%▼
2023 · -1.0%
Debt ≤ 1 year
€709k▲
2023 · €665k
Debt > 1 year
€140k=
2023 · €140k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 30 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.11M€1.14M▲
Current assets29/58€1.11M€1.14M▲
Stocks and contracts in progress3€1.10M€1.11M▲
Stocks30/36€1.10M€1.11M▲
Amounts receivable within one year40/41-€343
Trade receivables40-€343
Cash at bank and in hand54/58€4k€24k▲
Deferred charges and accrued income490/1-€6k
Equity and liabilities
Total equity and liabilities10/49€1.11M€1.14M▲
Equity10/15€250k€230k▼
Contributions10/11€325k€325k=
Profit (loss) carried forward14€-75k€-95k▼
Amounts payable17/49€857k€907k▲
Amounts payable after more than one year17€140k€140k=
Financial debts170/4€140k€140k=
Amounts payable within one year42/48€665k€709k▲
Trade debts44-€343
Suppliers440/4-€343
Other amounts payable47/48€665k€709k▲
Accrued charges and deferred income492/3€53k€58k▲
Income statement
Code20232024
Other operating charges640/8€2k€2k▲
Gross operating margin9900€-3k€-10k▼
Operating profit (loss)9901€-5k€-12k▼
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€-11k€-20k▼
Profit (loss) for the period9904€-11k€-20k▼
Profit (loss) for the period to be appropriated9905€-11k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-75k€-95k▼
Profit (loss) brought forward from the previous period14P€-65k€-75k▼
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-38k
Net result drops to €-38k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Aarschot · 1 establishment unit since 2013
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.
Dynastielaan 403200 AarschotGround area
248 m²
Building footprint
94 m²
Volume, LiDAR
684 m³
Parcel 24662G0177/00N000, Flanders · tallest building 9.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PROJEM
since 20132.222.100.645
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24662G0177/00N000 | Flanders | 248 m² | 1 · 94 m² | 9.0 m · 3 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 13,421 companies in sector 73300 we hold annual accounts for 6,901. 5,083 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-09-2013
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
68110Buying and selling of own real estate
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.