PROMASTER CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of PROMASTER CONSTRUCT is 2.3% (moderate). The 2025 annual accounts show equity of €48k and a net result of €-1k. Equity is growing by ~21.2% per year across the filed fiscal years. Its solvency ranks better than 86% of 27786 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▼-30
Solvency100▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 4.48 against 3.18 in 2024; short-term debt: 18.6% and cash: 28% of total assets), and 18.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
81.4%
Return on assets
-2.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
25 d late
2024
153 d late
2023
153 d late
2022
31 d late
2021
31 d late
2020
72 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, micro schema
Equity
€48k▼ 2.5%
2024 · €49k
2020: €21k
2021: €20k
2022: €31k
2023: €34k
2024: €49k
2020 → 2025
Total assets
€59k▼ 14.9%
2024 · €70k
2020: €36k
2021: €61k
2022: €56k
2023: €59k
2024: €70k
2020 → 2025
Net result
€-1k
2024 · €15k
2020: €19k
2021: €-1k
2022: €11k
2023: €4k
2024: €15k
2020 → 2025
Working capital
€38k▲ 4.3%
2024 · €37k
2020: €6k
2021: €10k
2022: €20k
2023: €26k
2024: €37k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€31k▲ 54.7%€34k▲ 11.3%€49k▲ 43.7%€48k▼ 2.5%
Operating result€-360-€15k€5k▼ 70.8%€21k▲ 368%€256▼ 98.8%
Net result€-1k-€11k€4k▼ 68.0%€15k▲ 330%€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 99% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €59k
Fixed assets
€10k ▼ 38.0%
Current assets
€49k ▼ 7.9%
Equity and liabilities €59k
Equity
€48k ▼ 2.5%
Debt
€11k ▼ 45.3%
Debt's share of the balance-sheet total falls from 28.9% to 18.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€10k▼
2024 · €30k
Cash flow
€8k▼
2024 · €24k
Current ratio
4.48▲
2024 · 3.18
Debt to equity
0.23▼
2024 · 0.41
ROE
-2.5%▼
2024 · 30.4%
ROA
-2.1%▼
2024 · 21.6%
Interest coverage
28.59▼
2024 · 69.41
Debt ≤ 1 year
€11k▼
2024 · €17k
Income taxes
€1k▼
2024 · €6k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€70k€59k▼
Fixed assets21/28€16k€10k▼
Tangible fixed assets22/27€15k€9k▼
Land and buildings22€432-
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€9k€6k▼
Financial fixed assets28€1k€1k=
Current assets29/58€54k€49k▼
Amounts receivable within one year40/41€28k€32k▲
Trade receivables40-€5k
Other amounts receivable41€28k€26k▼
Cash at bank and in hand54/58€25k€17k▼
Deferred charges and accrued income490/1€1k€1k=
Equity and liabilities
Total equity and liabilities10/49€70k€59k▼
Equity10/15€49k€48k▼
Contributions10/11€2k€2k=
Reserves13€47k€47k=
Distributable reserves133€47k€47k=
Profit (loss) carried forward14-€-1k
Amounts payable17/49€20k€11k▼
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€17k€11k▼
Current portion of amounts payable after more than one year42€6k€3k▼
Trade debts44€423€4k▲
Suppliers440/4€423€4k▲
Taxes, remuneration and social security45€11k€3k▼
Taxes450/3€7k€3k▼
Remuneration and social security454/9€3k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Other operating charges640/8€7k€4k▼
Gross operating margin9900€37k€14k▼
Operating profit (loss)9901€21k€256▼
Financial income75/76B€243€95▼
Recurring financial income75€243€95▼
Financial charges65/66B€437€348▼
Recurring financial charges65€437€348▼
Profit (loss) for the period before taxes9903€21k€3▼
Income taxes67/77€6k€1k▼
Profit (loss) for the period9904€15k€-1k▼
Profit (loss) for the period to be appropriated9905€15k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€-1k▼
Transfer to equity691/2€15k-
To other reserves6921€15k-
The notes to these accounts (8 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Weakest financial yearnet €-1k ▼108%
Net result drops to €-1k, the lowest in the series.
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 153 days late
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 153 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
20-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Truiden · 1 establishment unit since 2019
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.
Kwadensteenweg 483800 Sint-TruidenGround area
567 m²
Building footprint
146 m²
Volume, LiDAR
1,224 m³
Parcel 71353E0454/00C004, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Promaster Construct
since 20192.294.621.904
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71353E0454/00C004 | Flanders | 567 m² | 1 · 146 m² | 11.2 m · 3 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.
Similar companies · same sector, comparable size
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Deinze · Eq €48,256
NATNICHA
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Gent · Eq €48,202
LMJ CONSTRUCT
BE 0543.392.812
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BUSINOX-IMPORT
BE 0766.917.533
Awans · Eq €48,281
Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,667 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 formPrivate limited company
Founded16-10-2019
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.