Protec International
ActiveProtec International has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.65M and a net result of €291k. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 91% of 10206 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-32
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €250k at 30 days acceptable
Liquidity ample (current ratio 8.32 against 6.8 in 2024), and 17.3% 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
82.7%
Return on assets
9.1%
Age of the figures
8 mo
raises risk · 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 →
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
56 d early
2023
58 d early
2022
48 d early
2021
45 d early
2020
39 d early
2019
36 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.65M▲ 12.3%
2024 · €2.36M
2018: €1.17M
2019: €1.48M
2020: €1.56M
2021: €1.71M
2022: €1.85M
2023: €2.01M
2024: €2.36M
2018 → 2025
Total assets
€3.20M▲ 6.2%
2024 · €3.02M
2018: €1.35M
2019: €1.94M
2020: €1.93M
2021: €2.19M
2022: €2.46M
2023: €2.90M
2024: €3.02M
2018 → 2025
Net result
€291k▼ 29.4%
2024 · €412k
2018: €5k
2019: €96k
2020: €80k
2021: €156k
2022: €132k
2023: €322k
2024: €412k
2018 → 2025
Working capital
€2.12M▲ 13.0%
2024 · €1.88M
2018: €654k
2019: €1.02M
2020: €980k
2021: €1.05M
2022: €1.18M
2023: €1.62M
2024: €1.88M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.71M-€1.85M▲ 7.7%€2.01M▲ 8.8%€2.36M▲ 17.5%€2.65M▲ 12.3%
Operating result€218k-€201k▼ 7.9%€481k▲ 139%€568k▲ 18.1%€415k▼ 27.0%
Net result€156k-€132k▼ 15.6%€322k▲ 144%€412k▲ 28.0%€291k▼ 29.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.20M
Fixed assets
€790k▼ 2.9%
Current assets
€2.41M▲ 9.5%
Equity and liabilities €3.20M
Equity
€2.65M▲ 12.3%
Provisions
€3k=
Debt
€550k▼ 16.0%
The debt ratio falls from 21.7% to 17.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€548k▼
2024 · €681k
Cash flow
€424k▼
2024 · €525k
Solvency
82.7%▲
2024 · 78.2%
Current ratio
8.32▲
2024 · 6.80
Quick ratio
3.47▲
2024 · 2.94
Debt / equity
0.21▼
2024 · 0.28
ROE
11.0%▼
2024 · 17.4%
ROA
9.1%▼
2024 · 13.6%
Interest coverage
15.99▼
2024 · 24.03
Debt
€550k▼
2024 · €655k
Debt ≤ 1 year
€290k▼
2024 · €324k
Debt > 1 year
€256k▼
2024 · €327k
Income taxes
€92k▼
2024 · €133k
Staff costs
€580k▲
2024 · €546k
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€3.02M€3.20M▲
Fixed assets21/28€813k€790k▼
Tangible fixed assets22/27€813k€789k▼
Land and buildings22€484k€476k▼
Plant, machinery and equipment23€120k€84k▼
Furniture and vehicles24€209k€229k▲
Financial fixed assets28€155€155=
Current assets29/58€2.20M€2.41M▲
Stocks and contracts in progress3€1.25M€1.41M▲
Stocks30/36€1.25M€1.41M▲
Amounts receivable within one year40/41€617k€525k▼
Trade receivables40€590k€507k▼
Other amounts receivable41€26k€18k▼
Cash at bank and in hand54/58€337k€483k▲
Equity and liabilities
Total equity and liabilities10/49€3.02M€3.20M▲
Equity10/15€2.36M€2.65M▲
Contributions10/11€26k€26k=
Reserves13€2.33M€2.62M▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€2.33M€2.62M▲
Provisions and deferred taxes16€3k€3k=
Provisions for liabilities and charges160/5€3k€3k=
Other liabilities and charges164/5€3k€3k=
Amounts payable17/49€655k€550k▼
Amounts payable after more than one year17€327k€256k▼
Financial debts170/4€327k€256k▼
Amounts payable within one year42/48€324k€290k▼
Current portion of amounts payable after more than one year42€71k€71k=
Trade debts44€87k€102k▲
Suppliers440/4€87k€102k▲
Taxes, remuneration and social security45€106k€117k▲
Taxes450/3€8k€14k▲
Remuneration and social security454/9€98k€103k▲
Other amounts payable47/48€60k-
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Non-recurring operating income76A€18k-
Remuneration, social security and pensions62€546k€580k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€113k€133k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k
Provisions for liabilities and charges: additions (uses and reversals)635/8€3k-
Other operating charges640/8€10k€11k▲
Non-recurring operating charges66A€88€422▲
Gross operating margin9900€1.24M€1.14M▼
Operating profit (loss)9901€568k€415k▼
Financial income75/76B€5k€2k▼
Recurring financial income75€5k€2k▼
Financial charges65/66B€28k€34k▲
Recurring financial charges65€28k€34k▲
Profit (loss) for the period before taxes9903€545k€383k▼
Income taxes67/77€133k€92k▼
Profit (loss) for the period9904€412k€291k▼
Profit (loss) for the period to be appropriated9905€412k€291k▼
Appropriation of the result
Profit (loss) to be appropriated9906€412k€291k▼
Transfer from equity791/2€60k-
Transfer to equity691/2€412k€291k▼
To other reserves6921€412k€291k▼
Profit to be distributed694/7€60k-
Return on contributions (dividend)694€60k-
Social balance
Average headcount (FTE)90877.67.6=
The notes to these accounts (15 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €412k ▲28%
Operating result €568k, net result €412k, both a record.
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €2MEq €2.01M ▲8.8%
6 profitable years in a row build equity to €2.01M.
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-06
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
2 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, Wichelen · 1 establishment unit since 1997
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.
Brugstraat 279260 WichelenGround area
3,471 m²
Building footprint
548 m²
Volume, LiDAR
2,633 m³
2 parcels, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BAUWENS B.M.
since 19972.079.736.814
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42026A0588/00H000 | Flanders | 2,017 m² | 1 · 143 m² | 8.2 m · 2 fl. |
| 42018A1205/02B000 | Flanders | 1,454 m² | 1 · 404 m² | 5.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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METAFRANC
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Of 499 companies in sector 46841 we hold annual accounts for 362. 252 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-1996
Fiscal year end31-12
Activities, NACEBEL
46841Wholesale trade
47521Retail sale of hardware, building materials, paint and glass (general range)
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.