PROMA
ActiveSummary
PROMA has been active since 1964 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.1m and a net result of €76,722. Equity is shrinking by ~6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability54▼-26
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95,000 at 30 days acceptable
Liquidity ample (current ratio 30.73 against 17.41 in 2024; short-term debt: 3.3% and cash: 41.7% of total assets), and 3.3% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
96.7%
Return on assets
6.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €1.1m
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
22 d early
2023
22 d early
2022
18 d late
2021
30 d late
2020
25 d early
2019
40 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average on the deadline day; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
€75
EBIT margin
-101454.7%
Net result
€76,722▼ 57.9%
2024 · €182,203
Working capital
€1.1m▲ 7.5%
2024 · €1.0m
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result-€80,588▲ 80.5%-€107,250▼ 33.1%€66,105€177,273▲ 168%€80,806▼ 54.4%
Net result-€62,223▲ 85.1%-€141,608▼ 128%€84,961€182,203▲ 114%€76,722▼ 57.9%
EBIT margin
Equity€895,566▼ 6.5%€753,958▼ 15.8%€838,918▲ 11.3%€1.0m▲ 21.7%€1.1m▲ 7.5%
Total assets€925,732▼ 11.2%€795,631▼ 14.1%€891,602▲ 12.1%€1.1m▲ 21.5%€1.1m▲ 4.7%
Debt€30,166▼ 62.3%€41,673▲ 38.1%€52,683▲ 26.4%€62,216▲ 18.1%€36,928▼ 40.6%
Working capital€895,566▼ 7.0%€757,672▼ 15.4%€838,919▲ 10.7%€1.0m▲ 21.7%€1.1m▲ 7.5%
Why a figure moved sharply
- 2025 Net result -58% on 2024. The accounts now follow the full schema, last year the abbreviated schema.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 54% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €1.1m
Equity
€1.1m ▲ 7.5%
Debt
€36,928 ▼ 40.6%
Debt's share of the balance-sheet total falls from 5.7% to 3.3%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
30.73▲
2024 · 17.41
Debt to equity
0.03▼
2024 · 0.06
ROE
7.0%▼
2024 · 17.8%
ROA
6.8%▼
2024 · 16.8%
Debt ≤ 1 year
€36,928▼
2024 · €62,216
Income taxes
€1,547▼
2024 · €3,198
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,129 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of < 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 20,129 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | €62,442 | - | - | - | - | - |
| Other operating charges640/8 | €483,399 | €495,360 | €435,661 | €411,534 | €221,097 | ▼ 46.3% |
| Gross operating margin9900 | €398,072 | €388,110 | €501,766 | €588,807 | €301,903 | ▼ 48.7% |
| Operating profit (loss)9901 | -€80,588 | -€107,250 | €66,105 | €177,273 | €80,806 | ▼ 54.4% |
| Financial income75/76B | €26,142 | €133 | €1,799 | €5,940 | - | - |
| Recurring financial income75 | €26,142 | €133 | €1,799 | €5,940 | €175 | ▼ 97.1% |
| Financial charges65/66B | €6,525 | €33,435 | -€18,018 | -€2,188 | - | - |
| Recurring financial charges65 | €6,525 | €33,435 | -€18,018 | -€2,188 | €2,712 | ▲ 224% |
| Profit (loss) for the period before taxes9903 | -€60,970 | -€140,552 | €85,922 | €185,401 | €78,269 | ▼ 57.8% |
| Income taxes67/77 | €1,253 | €1,056 | €961 | €3,198 | €1,547 | ▼ 51.6% |
| Profit (loss) for the period9904 | -€62,223 | -€141,608 | €84,961 | €182,203 | €76,722 | ▼ 57.9% |
| Profit (loss) for the period to be appropriated9905 | -€62,223 | -€141,608 | €84,961 | €182,203 | €76,722 | ▼ 57.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €925,732 | €795,631 | €891,602 | €1.1m | €1.1m | ▲ 4.7% |
| Current assets29/58 | €925,732 | €795,631 | €891,602 | €1.1m | €1.1m | ▲ 4.7% |
| Amounts receivable within one year40/41 | €6,730 | - | €14,459 | €0 | €4,928 | - |
| Trade receivables40 | - | - | €14,459 | €0 | €4,928 | - |
| Other amounts receivable41 | €6,730 | - | - | - | - | - |
| Current investments50/53 | €268,203 | €242,546 | €262,636 | €598,984 | €598,984 | = |
| Cash at bank and in hand54/58 | €650,793 | €553,085 | €614,507 | €484,354 | €473,350 | ▼ 2.3% |
| Deferred charges and accrued income490/1 | €6 | - | - | - | €57,511 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €925,732 | €795,631 | €891,602 | €1.1m | €1.1m | ▲ 4.7% |
| Equity10/15 | €895,566 | €753,958 | €838,918 | €1.0m | €1.1m | ▲ 7.5% |
| Reserves13 | €895,566 | €753,958 | €838,918 | €1.0m | €1.1m | ▲ 7.5% |
| Provisions for liabilities and charges160/5 | - | - | €0 | - | €0 | - |
| Amounts payable17/49 | €30,166 | €41,673 | €52,683 | €62,216 | €36,928 | ▼ 40.6% |
| Financial debts170/4 | - | - | €0 | - | €0 | - |
| Amounts payable within one year42/48 | €30,166 | €37,959 | €52,683 | €62,216 | €36,928 | ▼ 40.6% |
| Financial debts43 | - | - | €0 | - | €0 | - |
| Trade debts44 | €30,166 | €25,882 | €52,683 | €62,216 | €36,928 | ▼ 40.6% |
| Suppliers440/4 | €30,166 | €25,882 | €52,683 | €62,216 | €36,928 | ▼ 40.6% |
| Taxes, remuneration and social security45 | - | - | €0 | - | €0 | - |
| Accrued charges and deferred income492/3 | - | €3,714 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€62,223 | -€141,608 | €84,961 | €182,203 | €76,722 | ▼ 57.9% |
| Operating cash flow (approximation) | -€62,223 | -€141,608 | €84,961 | €182,203 | €76,722 | ▼ 57.9% |
| Change in cash | - | -€97,708 | €61,422 | -€130,153 | -€11,004 | ▲ 91.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
State Gazette act
Reappointments: Jean- François VERSELE (director) and Gisela VANWINCKEL (director)10 facts ▸
State Gazette act
Reappointments: Jean- François VERSELE (director) and Gisela VANWINCKEL (director)
10 facts ▸
- General meeting, 16-06-2026
- Director reappointment, Jean- François VERSELE (director)
- Director reappointment, Gisela VANWINCKEL (director)
- Board composition, Jean- François VERSELE (director)
- Board composition, Gisela VANWINCKEL (director)
- Board composition, Théogène HAVUGIMANA (director)
- Board composition, Antoon Osaer (director)
- Board composition, Anne Marie Pernot (director)
- Board composition, Muana Nsapu MUEPU (director)
- Board composition, Alexis Wautot (director)
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €182,203 ▲114%
Operating result €177,273, net result €182,203, both a record.
31-12
Financial
Equity above €1mEq €1.0m ▲21.7%
2 profitable years in a row build equity to €1.0m.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €84,961
Net result €84,961 after 5 loss-making years.
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 18 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 30.69
Current ratio from 13.04 to 30.69; short-term debt falls from €79,953 to €30,166.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet -€418,300
Net result drops to -€418,300, the lowest in the series; recovery starts the following year.
Show earlier events
09-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 40 days late
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 28 acts read
About the unread acts
Of the 28 Belgian State Gazette acts we know for this company, 1 has been read. The other 27 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 directors, last change in 2026
Gisela VANWINCKEL
CurrentDirector · since 16-06-2026
Jean- François VERSELE
CurrentDirector · since 16-06-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
27 of this company's 28 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Leuven
Ground area
3,309 m²
Building footprint
2,454 m²
Volume, LiDAR
35,200 m³
Parcel 24504E0248/00V000, Flanders · tallest building 26.6 m, ±5 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24504E0248/00V000 | Flanders | 3,309 m² | 1 · 2,454 m² | 26.6 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
2 people since 2026, 2 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Gisela VANWINCKEL |
|
| Jean- François VERSELE |
|
Structure & network
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
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Linked via shared directors
Missio - Pauselijke missiewerken
via Jean- François VERSELE and Gisela VANWINCKEL · Director
→
Identification & contact
Identification
Legal formNon-profit association
Founded20-11-1964
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID
0208:0410537157
Registered
27-09-2024
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.