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Generated 12-07-2026
Active BE 0442.819.549Public limited company

PROMA

Gospertstrasse 1 ·4700 Eupen, Belgium· 35 yrs active
Sector: Advertising & market research (73110)
Conclusion Checked

The computed 12-month bankruptcy probability of PROMA is 0.3% (very low). The 2025 annual accounts show equity of €974k and a net result of €-422k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 37% of 31 sector peers (fiscal year 2025). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.
Key figures
Equity €974k
Net result €-422k
Staff (FTE) 0.1
Better than sector 37%
Snowflake analysis 5 axes · computed by Checked
Health50Profitability0Solvency44Growth52Stability100
49 / 100

Mixed profile: strong on stability, weaker on profitability.

Health 50
Profitability 0
Solvency 44
Growth 52
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.3% Very low
0%0,5%1,5%4%10%≥25%
Long track record −Lower-risk legal form −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 1991, 35 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2025 · computed
50 / 100 Fair
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 21-05-2026 with the NBB · fiscal year 2025 · volledig
€-600k€-400k€-200k€0€200kOperating result 2021: €147k€147kNet result 2021: €77k€77kOperating result 2022: €157k€157kNet result 2022: €82k€82kOperating result 2023: €176k€176kNet result 2023: €54k€54kOperating result 2024: €154k€154kNet result 2024: €21k€21kOperating result 2025: €148k€148kNet result 2025: €-422k€-422k20212022202320242025
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 ~4.9%/year over 8 fiscal years, indicative, assuming unchanged policy.
€800k€1.00M€1.20M€1.40M€1.60M€1.80M2026: €1.53M (€1.45M - €1.61M)2027: €1.59M (€1.51M - €1.67M)2028: €1.65M (€1.57M - €1.72M)2018: €964k2019: €1.12M2020: €1.16M2021: €1.24M2022: €1.32M2023: €1.38M2024: €1.40M2025: €974k20182019202020212022202320242025202620272028
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 73, Advertising & market research · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 16.3% 28.4%
better than 37% of 31 sector peers
Net result €-422k €33k
better than 5% of 31 sector peers
Equity €974k €57k
better than 80% of 31 sector peers
Total assets €5.98M €462k
better than 86% of 31 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€331k
-0.8% far above sector median
Net profit
€-422k
- far below sector median
Cash flow
€-240k
- far below sector median
Total assets
€5.98M
-11.3% far above sector median
Equity
€974k
-30.2% far above sector median
Working capital
€2.43M
+2.7% far above sector median
Employees (FTE)
0
- -88% vs sector
Staff costs
€13k
- -70% vs sector
Income taxes
€22k
+210.5% +197% vs sector
Debt
€5.01M
-6.4% far above sector median
Debt ≤ 1y
€247k
-39.3% far above sector median
Debt > 1y
€4.76M
-3.7% 18-25
Current ratio
10.81
+59.0% +101% vs sector
Quick ratio
10.81
+59.0% +101% vs sector
Solvency
16.3%
-21.3% -76% vs sector
Debt / equity
5.14
+34.2% far above sector median
ROE
-43.4%
- far below sector median
ROA
-7.1%
- far below sector median
Interest coverage
3.52
+34.8% -96% vs sector
Figures by fiscal year
Fiscal year2025
Revenue-
EBITDA€331k
Net profit€-422k
Cash flow€-240k
Staff costs€13k
Income taxes€22k
Dividends-
Total assets€5.98M
Equity€974k
Debt€5.01M
of which ≤ 1y€247k
of which > 1y€4.76M
Working capital€2.43M
Employees (FTE)0.1
Ratios (computed)
2025
Current ratio10.81
Quick ratio10.81
Working capital ratio40.6%
Solvency16.3%
Debt / equity5.14
Long-term debt ratio4.89
Interest coverage3.52
Gross margin-
Net margin-
ROA-7.1%
ROE-43.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€5.98M
Fixed assets 21/28€3.31M
Tangible fixed assets 22/27€769k
Financial fixed assets 28€2.54M
Current assets 29/58€2.67M
Amounts receivable within one year 40/41€99k
Investments 50/53€1.50M
Cash & bank 54/58€840k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€5.98M
Equity 10/15€974k
Contributions / capital 10/11€736k
Reserves 13€38k
Accumulated profits (losses) 14€199k
Amounts payable 17/49€5.01M
Amounts payable after one year 17€4.76M
Amounts payable within one year 42/48€247k
Trade debts payable within one year 44€27k
Income statement
Gross operating margin 9900€352k
Operating result 9901€148k
Financial income 75€29k
Financial charges 65€94k
Result before taxes 9903€-401k
Income taxes 67/77€22k
Net result for the period 9904€-422k
Result to be appropriated 9905€-422k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • Ostbelgieninvest AG
    Verwalter
    State Gazette act 25132009 (16-10-2025)
    Current
    16-10-2025 → present
  • Dr. Stephan Förster
    Verwalter
    State Gazette act 23044362 (30-03-2023)
    Current
    30-03-2023 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Advertising & market research(73110)
Legal form Public limited company(014)
Incorporation31-01-1991
StatusActive
Postal code4700
Establishment units 1 location
Gospertstrasse 1, 4700 Eupen
Overige kredietverstrekking n.e.g.
since 19912.051.603.943
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Updates 13 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
21-05-2026
NBB filing Annual accounts filed
fiscal year 2025 · volledig
2025
16-10-2025
State Gazette act Minor change
v3.2
28-05-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
2024
22-05-2024
NBB filing Annual accounts filed
fiscal year 2023 · volledig
2023
26-05-2023
NBB filing Annual accounts filed
fiscal year 2022 · volledig
30-03-2023
State Gazette act Minor change
v3.2
2022
23-05-2022
NBB filing Annual accounts filed
fiscal year 2021 · volledig
11-05-2022
State Gazette act Minor change
v3.2
2021
10-05-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2020
15-05-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
31-05-2019
NBB filing Annual accounts filed
fiscal year 2018 · verkort
2018
17-05-2018
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2017
18-05-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
Belgisch Staatsblad, acts 3 acts
All acts · 3 updated 8 months ago
2025
16-10-2025 Publication in the Belgian Official Gazette, Minor change Minor change
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "detected_kind": "officer_designation",
  "effective_date": "2025-09-30",
  "mandate_renewal": null,
  "subject_company": {
    "kbo": "0442.819.549",
    "name_full": "PROMA",
    "legal_form": "AG"
  },
  "liquidation_closure": null,
  "officer_designation": {
    "role": "Verwalter",
    "quote": "R\u00FCcktritt eines Mitglieds des Verwaltungsrates Der Verwalter Ostbelgieninvest AG, mit ihrer st\u00E4ndigen Vertreterin Frau Margit Veithen, teilt der Proma AG in seinem Schreiben vom 27. Juni 2025 mit, dass dieser zum 30. September 2025 von seinem Mandat zur\u00FCcktreten wird.",
    "person_name": "Ostbelgieninvest AG",
    "person_or_entity_kbo": null
  },
  "special_procuration": null,
  "single_shareholder_declaration": null
}
2023
30-03-2023 Publication in the Belgian Official Gazette, Minor change Minor change
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "detected_kind": "officer_designation",
  "effective_date": null,
  "mandate_renewal": null,
  "subject_company": {
    "kbo": "0442.819.549",
    "name_full": "PROMA",
    "legal_form": "AG"
  },
  "liquidation_closure": null,
  "officer_designation": {
    "role": "Verwalter",
    "quote": "Die Generalversammlung beschlie\u00DFt, die Deutschsprachige Gemeinschaft (BE 0332.582.613, Gospertstra\u00DFe 1 in 4700 Eupen), die als st\u00E4ndigen Vertreter Herrn Dr. Stephan F\u00F6rster ernennt, als neuen Verwalter zu ernennen.",
    "person_name": "Dr. Stephan F\u00F6rster",
    "person_or_entity_kbo": "BE 0332.582.613"
  },
  "special_procuration": null,
  "single_shareholder_declaration": null
}
2022
11-05-2022 Publication in the Belgian Official Gazette, Minor change Minor change
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "detected_kind": "other",
  "effective_date": null,
  "mandate_renewal": null,
  "subject_company": {
    "kbo": "0442.819.549",
    "name_full": "PROMA",
    "legal_form": "AG"
  },
  "liquidation_closure": null,
  "officer_designation": null,
  "special_procuration": null,
  "single_shareholder_declaration": null
}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank
Activities
Reclamebureaus73110Activiteiten van reclamebureaus73110Publiciteitsagentschappen74401
Primary activity highlighted.
Names & trade names
Legal nameDE PROMA
Registered office
Gospertstrasse 1
4700 Eupen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative