Promad
ActivePromad has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.79M and a net result of €261k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 43% of 3171 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-20
Solvency69▼-10
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €420k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 0.85 in 2024; short-term debt: 26.1% and cash: 10.5% of total assets), and 55.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
44.2%
Return on assets
2%
Age of the figures
10 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-11-2025 was due by 30-06-2026 and was filed on 30-06-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
42 d early
2023
4 d early
2022
44 d late
2021
14 d late
2020
9 d late
2019
2 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-11-2026 and is due by 30-06-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-11-2026 close30-06-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€261k▼ 62.9%
2024 · €704k
2018: €1.29M
2019: €-68k
2020: €-11k
2021: €28k
2022: €233k
2023: €137k
2024: €704k
2018 → 2025
Working capital
€1.09M
2024 · €-558k
2018: €-201k
2019: €-607k
2020: €-507k
2021: €-761k
2022: €-1.11M
2023: €-1.16M
2024: €-558k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.45M-€4.69M▲ 5.2%€4.82M▲ 2.9%€5.53M▲ 14.6%€5.79M▲ 4.7%
Operating result€99k-€391k▲ 296%€277k▼ 29.1%€1.05M▲ 279%€580k▼ 44.8%
Net result€28k-€233k▲ 731%€137k▼ 41.2%€704k▲ 413%€261k▼ 62.9%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13.09M
Fixed assets
€8.58M▲ 22.4%
Current assets
€4.51M▲ 42.5%
Equity and liabilities €13.09M
Equity
€5.79M▲ 4.7%
Provisions
€245k▼ 4.5%
Debt
€7.06M▲ 60.8%
The debt ratio rises from 43.2% to 53.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€739k▼
2024 · €1.21M
Cash flow
€420k▼
2024 · €859k
Solvency
44.2%▼
2024 · 54.3%
Current ratio
1.32▲
2024 · 0.85
Quick ratio
0.93▲
2024 · 0.53
Debt / equity
1.22▲
2024 · 0.79
ROE
4.5%▼
2024 · 12.7%
ROA
2.0%▼
2024 · 6.9%
Interest coverage
4.26▼
2024 · 25.70
Debt
€7.06M▲
2024 · €4.39M
Debt ≤ 1 year
€3.41M▼
2024 · €3.72M
Debt > 1 year
€3.65M▲
2024 · €669k
Income taxes
€157k▼
2024 · €324k
Staff costs
€525k▼
2024 · €596k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€10.17M€13.09M▲
Fixed assets21/28€7.01M€8.58M▲
Tangible fixed assets22/27€4.41M€4.67M▲
Land and buildings22€4.40M€4.66M▲
Plant, machinery and equipment23-€7k
Furniture and vehicles24€4k€598▼
Financial fixed assets28€2.60M€3.91M▲
Current assets29/58€3.16M€4.51M▲
Amounts receivable after more than one year29-€525k
Other amounts receivable291-€525k
Stocks and contracts in progress3€1.21M€1.35M▲
Stocks30/36€1.21M€1.35M▲
Amounts receivable within one year40/41€1.87M€1.25M▼
Trade receivables40€561k-
Other amounts receivable41€1.31M€1.25M▼
Cash at bank and in hand54/58€79k€1.38M▲
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€10.17M€13.09M▲
Equity10/15€5.53M€5.79M▲
Contributions10/11€446k€446k=
Capital10€446k€446k=
Issued capital100€446k€446k=
Revaluation surpluses12€882k€882k=
Reserves13€4.20M€4.46M▲
Non-distributable reserves130/1€45k€45k=
Legal reserve130€45k€45k=
Tax-exempt reserves132€346k€311k▼
Distributable reserves133€3.81M€4.10M▲
Provisions and deferred taxes16€257k€245k▼
Provisions for liabilities and charges160/5€141k€141k=
Major repairs and maintenance162€141k€141k=
Deferred taxes168€115k€104k▼
Amounts payable17/49€4.39M€7.06M▲
Amounts payable after more than one year17€669k€3.65M▲
Financial debts170/4€669k€3.65M▲
Amounts payable within one year42/48€3.72M€3.41M▼
Current portion of amounts payable after more than one year42€220k€125k▼
Financial debts43€1.06M€831k▼
Credit institutions430/8€1.06M€831k▼
Trade debts44€399k€191k▼
Suppliers440/4€399k€191k▼
Advances received on contracts in progress46€433k€829k▲
Taxes, remuneration and social security45€523k€206k▼
Taxes450/3€459k€158k▼
Remuneration and social security454/9€65k€48k▼
Other amounts payable47/48€1.08M€1.23M▲
Income statement
Code20242025
Non-recurring operating income76A€16k-
Remuneration, social security and pensions62€596k€525k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€155k€159k▲
Other operating charges640/8€94k€89k▼
Gross operating margin9900€1.90M€1.35M▼
Operating profit (loss)9901€1.05M€580k▼
Financial income75/76B€12k€4▼
Recurring financial income75€12k€4▼
Financial charges65/66B€47k€174k▲
Recurring financial charges65€47k€174k▲
Profit (loss) for the period before taxes9903€1.02M€406k▼
Transfer from deferred taxes780€12k€12k=
Income taxes67/77€324k€157k▼
Profit (loss) for the period9904€704k€261k▼
Transfer from tax-exempt reserves789€35k€35k=
Profit (loss) for the period to be appropriated9905€739k€296k▼
Appropriation of the result
Profit (loss) to be appropriated9906€739k€296k▼
Transfer to equity691/2€739k€296k▼
To other reserves6921€739k€296k▼
Social balance
Average headcount (FTE)90878.47.0▼
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-11
Financial
Equity above €5MEq €5.53M ▲14.6%
4 profitable years in a row build equity to €5.53M.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 44 days late
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 14 days late
2021
30-11
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 9 days late
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 2 days late
2019
30-11
Financial
Weakest financial yearnet €-68k ▼105%
Net result drops to €-68k, the lowest in the series; recovery starts the following year.
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 33 days late
2018
01-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-05
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
10 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, Tremelo · 1 establishment unit since 1986
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.
Grootlosestraat 533128 TremeloGround area
1.1 ha
Building footprint
414 m²
Volume, LiDAR
1,956 m³
Parcel 24006A0061/00G000, Flanders · tallest building 16.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Grootlosestraat 53, 3128 Tremelo
since 19862.034.255.492
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24006A0061/00G000 | Flanders | 1.1 ha | 1 · 414 m² | 16.5 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
894500G461D1F4W8ZA67
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 10,156 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded31-08-1983
Fiscal year end30-11
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
74142
74203
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.