Promanys
ActiveThe computed 12-month bankruptcy probability of Promanys is 1.6% (moderate). The 2025 annual accounts show equity of €1.55M and a net result of €109k. Equity is growing by ~36.1% per year across the filed fiscal years. Its solvency ranks better than 39% of 7689 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
74
/ 100
Healthy▼ -20 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▼-56
Solvency61▼-21
Growth78=
Stability94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.82 in 2024), and 65% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
35%
Return on assets
2.5%
Age of the figures
8 mo
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 17-07-2026, 14 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
14 d early
2024
on the day
2023
33 d early
2022
29 d late
2021
27 d early
2020
30 d late
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.55M▲ 10.7%
2024 · €1.40M
2020: €86k
2021: €481k
2022: €732k
2023: €895k
2024: €1.40M
2020 → 2025
Total assets
€4.44M▲ 32.2%
2024 · €3.36M
2020: €1.04M
2021: €1.73M
2022: €3.49M
2023: €2.55M
2024: €3.36M
2020 → 2025
Net result
€109k▼ 57.2%
2024 · €255k
2020: €81k
2021: €395k
2022: €251k
2023: €163k
2024: €255k
2020 → 2025
Working capital
€462k▼ 50.3%
2024 · €929k
2020: €-467k
2021: €-22k
2022: €557k
2023: €-115k
2024: €929k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€481k-€732k▲ 52.3%€895k▲ 22.2%€1.40M▲ 56.8%€1.55M▲ 10.7%
Operating result€543k-€266k▼ 51.0%€187k▼ 29.7%€632k▲ 237%€204k▼ 67.6%
Net result€395k-€251k▼ 36.3%€163k▼ 35.3%€255k▲ 56.7%€109k▼ 57.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 68% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.44M
Fixed assets
€2.31M▲ 78.2%
Current assets
€2.12M▲ 3.2%
Equity and liabilities €4.44M
Equity
€1.55M▲ 10.7%
Debt
€2.88M▲ 47.7%
The debt ratio rises from 58.2% to 65.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€377k▼
2024 · €760k
Cash flow
€282k▼
2024 · €384k
Solvency
35.0%▼
2024 · 41.8%
Current ratio
1.28▼
2024 · 1.82
Quick ratio
1.17▼
2024 · 1.73
Debt / equity
1.86▲
2024 · 1.39
ROE
7.0%▼
2024 · 18.2%
ROA
2.5%▼
2024 · 7.6%
Interest coverage
4.91▼
2024 · 21.06
Debt
€2.88M▲
2024 · €1.95M
Debt ≤ 1 year
€1.66M▲
2024 · €1.13M
Debt > 1 year
€1.01M▲
2024 · €744k
Income taxes
€41k▼
2024 · €173k
Staff costs
€940k▲
2024 · €770k
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€3.36M€4.44M▲
Fixed assets21/28€1.30M€2.31M▲
Intangible fixed assets21€260k€235k▼
Tangible fixed assets22/27€1.04M€2.08M▲
Land and buildings22€953k€1.94M▲
Plant, machinery and equipment23€11k€7k▼
Furniture and vehicles24€74k€124k▲
Financial fixed assets28€150€3k▲
Current assets29/58€2.06M€2.12M▲
Stocks and contracts in progress3€105k€178k▲
Contracts in progress37€105k€178k▲
Amounts receivable within one year40/41€826k€1.68M▲
Trade receivables40€712k€1.55M▲
Other amounts receivable41€114k€126k▲
Cash at bank and in hand54/58€1.07M€200k▼
Deferred charges and accrued income490/1€61k€68k▲
Equity and liabilities
Total equity and liabilities10/49€3.36M€4.44M▲
Equity10/15€1.40M€1.55M▲
Contributions10/11€5k€5k=
Reserves13€1.40M€1.55M▲
Tax-exempt reserves132€380k€442k▲
Distributable reserves133€1.02M€1.11M▲
Profit (loss) carried forward14-€0
Amounts payable17/49€1.95M€2.88M▲
Amounts payable after more than one year17€744k€1.01M▲
Financial debts170/4€744k€1.01M▲
Amounts payable within one year42/48€1.13M€1.66M▲
Current portion of amounts payable after more than one year42€67k€91k▲
Financial debts43-€200k
Credit institutions430/8-€200k
Trade debts44€724k€962k▲
Suppliers440/4€724k€962k▲
Taxes, remuneration and social security45€269k€320k▲
Taxes450/3€209k€226k▲
Remuneration and social security454/9€60k€94k▲
Other amounts payable47/48€69k€90k▲
Accrued charges and deferred income492/3€79k€213k▲
Income statement
Code20242025
Non-recurring operating income76A-€21k
Remuneration, social security and pensions62€770k€940k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€129k€173k▲
Other operating charges640/8€178k€75k▼
Non-recurring operating charges66A-€172
Gross operating margin9900€1.71M€1.39M▼
Operating profit (loss)9901€632k€204k▼
Financial income75/76B€86k€85k▼
Recurring financial income75€86k€85k▼
Financial charges65/66B€36k€77k▲
Recurring financial charges65€36k€77k▲
Profit (loss) for the period before taxes9903€682k€212k▼
Transfer to deferred taxes680€254k€62k▼
Income taxes67/77€173k€41k▼
Profit (loss) for the period9904€255k€109k▼
Profit (loss) for the period to be appropriated9905€255k€109k▼
Appropriation of the result
Profit (loss) to be appropriated9906€255k€109k▼
Transfer to equity691/2€255k€88k▼
To other reserves6921€255k€88k▼
Profit to be distributed694/7-€21k
Return on contributions (dividend)694-€21k
Social balance
Average headcount (FTE)90879.911.3▲
The notes to these accounts (24 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €1MEq €1.40M ▲56.8%
5 profitable years in a row build equity to €1.40M.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
31-12
Financial
Equity above €500kEq €732k ▲52.3%
3 profitable years in a row build equity to €732k.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2020net €395k ▲385%
Net result €395k, the highest in the series.
31-12
Financial
Equity above €200kEq €481k ▲457%
2 profitable years in a row build equity to €481k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Kortrijk · 1 establishment unit since 2020
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.
Walle(Kor) 1138500 KortrijkGround area
1.5 ha
Building footprint
2,501 m²
Parcel 34354D0003/00C004, Flanders. Linked by address, not a title deed.
1 establishment unit
Promanys
since 20202.309.780.232
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354D0003/00C004 | Flanders | 1.5 ha | 1 · 2,501 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 3,057 EUR awarded · 2,860 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,860 EUR | 2,860 EUR |
| 2022 | 1 | 197 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,551 companies in sector 41001 we hold annual accounts for 15,874. 4,803 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-10-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
31001Manufacture of furniture
31004Manufacture of dining room, living room, bedroom and bathroom furniture
31009Manufacture of furniture
31092Manufacture of furniture
74104Other professional, scientific and technical activities
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.