PROMA
ActiveSummary
PROMA has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. 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 25% of 709 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▼-2
Solvency41▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 10.81 against 6.8 in 2024; short-term debt: 4.1% and cash: 14% of total assets), but 83.7% of the assets are financed with debt.
Credit advice for your own amount and term
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
16.3%
Return on assets
-7.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 709 sector peers (2025).
NBB · sector comparisonPosition among 709 sector peers
Solvency
better than 25%
← weakest
strongest →
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 21-05-2026, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
64 d early
2023
70 d early
2022
66 d early
2021
69 d early
2020
82 d early
2019
77 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-422k
2024 · €21k
2018: €128k
2019: €155k
2020: €45k
2021: €77k
2022: €82k
2023: €54k
2024: €21k
2018 → 2025
Working capital
€2.43M▲ 2.7%
2024 · €2.36M
2018: €929k
2019: €1.10M
2020: €993k
2021: €1.09M
2022: €-588k
2023: €2.57M
2024: €2.36M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.24M-€1.32M▲ 6.6%€1.38M▲ 4.1%€1.40M▲ 1.5%€974k▼ 30.2%
Operating result€147k-€157k▲ 6.2%€176k▲ 12.2%€154k▼ 12.2%€148k▼ 3.8%
Net result€77k-€82k▲ 6.7%€54k▼ 34.5%€21k▼ 61.2%€-422k
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.98M
Fixed assets
€3.31M ▼ 16.8%
Current assets
€2.67M ▼ 3.5%
Equity and liabilities €5.98M
Equity
€974k ▼ 30.2%
Debt
€5.01M ▼ 6.4%
Debt's share of the balance-sheet total rises from 79.3% to 83.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€331k▼
2024 · €334k
Cash flow
€-240k▼
2024 · €200k
Current ratio
10.81▲
2024 · 6.80
Debt to equity
5.14▲
2024 · 3.83
ROE
-43.4%▼
2024 · 1.5%
ROA
-7.1%▼
2024 · 0.3%
Interest coverage
3.52▲
2024 · 2.61
Debt ≤ 1 year
€247k▼
2024 · €408k
Debt > 1 year
€4.76M▼
2024 · €4.94M
Income taxes
€22k▲
2024 · €7k
Staff costs
€13k
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 · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€6.74M€5.98M▼
Fixed assets21/28€3.97M€3.31M▼
Tangible fixed assets22/27€951k€769k▼
Plant, machinery and equipment23€951k€769k▼
Financial fixed assets28€3.02M€2.54M▼
Current assets29/58€2.77M€2.67M▼
Amounts receivable after more than one year29€220k€220k=
Other amounts receivable291€220k€220k=
Amounts receivable within one year40/41€91k€99k▲
Trade receivables40€71k€75k▲
Other amounts receivable41€20k€24k▲
Current investments50/53-€1.50M
Cash at bank and in hand54/58€2.45M€840k▼
Deferred charges and accrued income490/1€11k€16k▲
Equity and liabilities
Total equity and liabilities10/49€6.74M€5.98M▼
Equity10/15€1.40M€974k▼
Contributions10/11€736k€736k=
Capital10€736k€736k=
Issued capital100€736k€736k=
Reserves13€38k€38k=
Non-distributable reserves130/1€38k€38k=
Legal reserve130€38k€38k=
Profit (loss) carried forward14€622k€199k▼
Amounts payable17/49€5.35M€5.01M▼
Amounts payable after more than one year17€4.94M€4.76M▼
Financial debts170/4€857k€676k▼
Other amounts payable178/9€4.08M€4.08M=
Amounts payable within one year42/48€408k€247k▼
Current portion of amounts payable after more than one year42€176k€181k▲
Trade debts44€181k€27k▼
Suppliers440/4€181k€27k▼
Taxes, remuneration and social security45€21k€16k▼
Taxes450/3€21k€16k▼
Other amounts payable47/48€30k€23k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€13k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€179k€182k▲
Other operating charges640/8€8k€8k▲
Gross operating margin9900€341k€352k▲
Operating profit (loss)9901€154k€148k▼
Financial income75/76B€1k€29k▲
Recurring financial income75€1k€29k▲
Financial charges65/66B€128k€578k▲
Recurring financial charges65€128k€94k▼
Non-recurring financial charges66B-€484k
Profit (loss) for the period before taxes9903€28k€-401k▼
Income taxes67/77€7k€22k▲
Profit (loss) for the period9904€21k€-422k▼
Profit (loss) for the period to be appropriated9905€21k€-422k▼
Appropriation of the result
Profit (loss) to be appropriated9906€623k€199k▼
Profit (loss) brought forward from the previous period14P€602k€622k▲
Transfer to equity691/2€1k-
To the legal reserve6920€1k-
Social balance
Average headcount (FTE)9087-0.1
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-422k ▼2128%
Net result drops to €-422k, the lowest in the series.
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
22-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Liquidity times 16current ratio 11.13
Current ratio from 0.70 to 11.13; short-term debt falls from €1.96M to €254k.
26-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
23-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
10-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
15-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Highest result since 2018net €155k ▲20.9%
Operating result €186k, net result €155k, both a record.
31-12
Financial
Equity above €1MEq €1.12M ▲16%
2 profitable years in a row build equity to €1.12M.
31-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
17-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
18-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
16 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, Eupen · 1 establishment unit since 1991
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.
Gospertstrasse 14700 Eupen1 establishment unit
Gospertstrasse 1, 4700 Eupen
since 19912.051.603.943
Similar companies · same sector, comparable size
Re - Sources Conseil
BE 0441.881.619
Evere · Eq €974k
OPTAKARE
BE 0473.099.682
Zwevegem · Eq €973k
TELESCOPE
BE 0451.226.776
Liège · Eq €972k
BOOMERANG
BE 0449.981.119
Destelbergen · Eq €964k
FULLMARK
BE 0431.207.758
Nivelles · Eq €986k
Of 9,860 companies in sector 73110 we hold annual accounts for 3,753. 1,591 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 formPublic limited company
Founded31-01-1991
Fiscal year end31-12
Activities, NACEBEL 2025
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filings
Scores and ratios are computed by Checked and are not a credit decision.