PROPTIMUM

Active

Private limited companyfounded 201610 yrs activeBosquetstraat 18/20, 1060 Sint-Gillis (bij-Brussel), BelgiumKBO/BCE: BE 0660.684.915

The computed 12-month bankruptcy probability of PROPTIMUM is 2.5% (moderate). The 2025 annual accounts show negative equity (€-359k) and a net result of €-174k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 11185 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

15 / 100

Critical▲ +8 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency33=

Growth30=

Stability100

Bankruptcy probability, 12 months

2.5% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.01 against 0.1 in 2024), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 2025

Solvency, return and age of the figures

Solvency

-50.8%

Return on assets

-24.5%

Age of the figures

8 mo

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 46

Relative position

BE, all sectors

reference

Sector 46

higher

← fewer bankruptcies more bankruptcies →

Negative equity

Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year -€359k

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.

NBB · 9 filings

Deviation from the deadline

2025

28 d early

2024

61 d late

2023

2 d early

2022

4 d early

2021

30 d late

2020

59 d late

2019

235 d late

← before the deadline after the deadline →

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 months

Position in the running window

13-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€528k▼ 26.6%

2019 · €719k

2018: €561k 2019: €719k

2018 → 2020

EBIT margin

7.7%▼ 3.9pp

2019 · 11.6%

2018: 3.9% 2019: 11.6%

2018 → 2020

Net result

€-174k▲ 28.8%

2024 · €-244k

2018: €9k 2019: €75k 2020: €7k 2021: €39k 2022: €-6k 2023: €-85k 2024: €-244k

2018 → 2025

Working capital

€-758k▼ 22.4%

2024 · €-620k

2018: €-86k 2019: €-87k 2020: €-231k 2021: €-202k 2022: €-233k 2023: €-403k 2024: €-620k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€155k-€145k▼ 6.4%€59k▼ 59.4%€-185k€-359k▼ 94.3%

Operating result€70k-€11k▼ 84.8%€-69k€-224k▼ 222%€-146k▲ 34.9%

Net result€39k-€-6k€-85k▼ 1,390%€-244k▼ 188%€-174k▲ 28.8%

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €146k in 2025 against €224k in 2024; the loss shrinks.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €707k

98.7%

Fixed assets €699k▼ 10.2%

Current assets €9k▼ 86.9%

Key figures and ratios

2025 value · change against 2024

EBITDA

€-65k▲

2024 · €-145k

Cash flow

€-93k▲

2024 · €-165k

Solvency

-50.8%▼

2024 · -21.9%

Current ratio

0.01▼

2024 · 0.10

Quick ratio

0.01▼

2024 · 0.10

Debt / equity

-2.97▲

2024 · -5.57

ROE

48.3%▼

2024 · 131.7%

ROA

-24.5%▲

2024 · -28.8%

Interest coverage

-3.18▲

2024 · -7.37

Debt

€1.07M▲

2024 · €1.03M

Debt ≤ 1 year

€767k▲

2024 · €688k

Debt > 1 year

€299k▼

2024 · €342k

Income taxes

€2k▲

2024 · €457

Staff costs

€195k▼

2024 · €216k

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€846k€707k▼

Fixed assets21/28€778k€699k▼

Intangible fixed assets21€349k€291k▼

Tangible fixed assets22/27€428k€406k▼

Land and buildings22€388k€375k▼

Plant, machinery and equipment23€21k€21k▼

Furniture and vehicles24€5k€10k▲

Leasing and similar rights25€13k-

Financial fixed assets28€2k€2k=

Current assets29/58€68k€9k▼

Amounts receivable within one year40/41€65k€5k▼

Trade receivables40€55k€4k▼

Other amounts receivable41€10k€799▼

Cash at bank and in hand54/58€1k€42▼

Deferred charges and accrued income490/1€2k€4k▲

Equity and liabilities

Total equity and liabilities10/49€846k€707k▼

Equity10/15€-185k€-359k▼

Contributions10/11€6k€6k=

Reserves13€53k€53k=

Distributable reserves133€53k€53k=

Profit (loss) carried forward14€-244k€-418k▼

Amounts payable17/49€1.03M€1.07M▲

Amounts payable after more than one year17€342k€299k▼

Financial debts170/4€342k€299k▼

Amounts payable within one year42/48€688k€767k▲

Current portion of amounts payable after more than one year42€51k€46k▼

Financial debts43€44k€42k▼

Credit institutions430/8€44k€42k▼

Trade debts44€122k€28k▼

Suppliers440/4€122k€28k▼

Taxes, remuneration and social security45€21k€28k▲

Taxes450/3€457€10k▲

Remuneration and social security454/9€20k€18k▼

Other amounts payable47/48€450k€623k▲

Accrued charges and deferred income492/3€658€602▼

Income statement Code20242025

Non-recurring operating income76A-€3k

Remuneration, social security and pensions62€216k€195k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€79k€80k▲

Other operating charges640/8€10k€18k▲

Non-recurring operating charges66A-€852

Gross operating margin9900€81k€149k▲

Operating profit (loss)9901€-224k€-146k▲

Financial income75/76B€6€2▼

Recurring financial income75€6€2▼

Financial charges65/66B€20k€26k▲

Recurring financial charges65€20k€20k▲

Non-recurring financial charges66B-€6k

Profit (loss) for the period before taxes9903€-243k€-172k▲

Income taxes67/77€457€2k▲

Profit (loss) for the period9904€-244k€-174k▲

Profit (loss) for the period to be appropriated9905€-244k€-174k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-244k€-418k▼

Profit (loss) brought forward from the previous period14P-€-245k

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 13Financial 4Filings 9

Next filing, fiscal year 2026, expected by 31-07-2027

2026

03-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

2024

31-12

Financial Weakest financial yearnet €-244k

Net result drops to €-244k, the lowest in the series; recovery starts the following year.

29-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

27-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

30-08

NBB filing Annual accounts filed

fiscal year 2021 · full schema · 30 days late

2021

31-12

Financial Equity above €150kEq €155k ▲33.9%

4 profitable years in a row build equity to €155k.

28-09

NBB filing Annual accounts filed

fiscal year 2020 · full schema · 59 days late

23-03

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 235 days late

2019

31-12

Financial Highest result since 2018net €75k ▲733%

Operating result €83k, net result €75k, both a record.

31-12

Financial Equity above €100kEq €108k ▲223%

2 profitable years in a row build equity to €108k.

23-10

NBB filing Annual accounts filed

fiscal year 2018 · full schema · 84 days late

2018

15-10

NBB filing Annual accounts filed

fiscal year 2017 · full schema · 76 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

no sitting director, no change since 2023

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

20-04-2023 Resigned as Manager

Location & real-estate footprint

Registered office, Sint-Gillis (bij-Brussel) · 2 establishment units since 2016

establishment All 2 establishment units on the map

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.

Bosquetstraat 18/201060 Sint-Gillis (bij-Brussel)

Ground area

3,768 m²

Building footprint

2,049 m²

Volume, LiDAR

32,929 m³

3 parcels, Brussels, Wallonia · tallest building 24.7 m, ±7 floors. Linked by address, not a title deed.

2 establishment units

Boulevard André Delvaux 15, 7000 Mons

Business consulting

since 20162.264.239.128

PROPTIMUM

De Frélaan 283, 1180 UkkelBusiness consulting

since 20202.302.881.156

3 parcels

Wallonia 1 (33.3%) Brussels 2 (66.7%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
53402A0191/00B015	Wallonia	2,085 m²	1 · 1,061 m²	21.1 m · 7 fl.
21612C0286/00N012	Brussels	1,154 m²	1 · 459 m²	22.9 m · 7 fl.
21013B0011/00R005	Brussels	529 m²	1 · 529 m²	24.6 m · 3 fl.