PROTECTIM
ActivePROTECTIM has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.48M and a net result of €-50k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 87% of 9098 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency100=
Growth58=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 4.43 against 9.01 in 2024), and 15.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
84.8%
Return on assets
-2.9%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€50k
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
36 d early
2023
36 d early
2022
47 d early
2021
38 d early
2020
45 d early
2019
45 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-50k▼ 42.1%
2024 · €-35k
2018: €-75k
2019: €-51k
2020: €-23k
2021: €7k
2022: €-1k
2023: €-33k
2024: €-35k
2018 → 2025
Working capital
€526k▼ 11.9%
2024 · €596k
2018: €530k
2019: €565k
2020: €596k
2021: €624k
2022: €637k
2023: €618k
2024: €596k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.60M-€1.60M▼ 0.1%€1.57M▼ 2.0%€1.53M▼ 2.3%€1.48M▼ 3.3%
Operating result€7k-€-1k€-38k▼ 3,550%€-42k▼ 11.8%€-54k▼ 26.8%
Net result€7k-€-1k€-33k▼ 2,389%€-35k▼ 8.5%€-50k▼ 42.1%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €54k in 2025 against €42k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.74M
Fixed assets
€1.07M▲ 2.0%
Current assets
€679k▲ 1.2%
Equity and liabilities €1.74M
Equity
€1.48M▼ 3.3%
Provisions
€112k=
Debt
€153k▲ 106%
The debt ratio rises from 4.3% to 8.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-38k▼
2024 · €-29k
Cash flow
€-35k▼
2024 · €-22k
Solvency
84.8%▼
2024 · 89.2%
Current ratio
4.43▼
2024 · 9.01
Quick ratio
4.43▼
2024 · 9.01
Debt / equity
0.10▲
2024 · 0.05
ROE
-3.4%▼
2024 · -2.3%
ROA
-2.9%▼
2024 · -2.1%
Interest coverage
-625.31▲
2024 · -752.03
Debt
€153k▲
2024 · €74k
Debt ≤ 1 year
€153k▲
2024 · €74k
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€1.72M€1.74M▲
Fixed assets21/28€1.05M€1.07M▲
Tangible fixed assets22/27€955k€976k▲
Land and buildings22€954k€976k▲
Plant, machinery and equipment23€930-
Financial fixed assets28€90k€90k=
Current assets29/58€671k€679k▲
Amounts receivable within one year40/41€409k€388k▼
Trade receivables40€277k€272k▼
Other amounts receivable41€133k€116k▼
Cash at bank and in hand54/58€261k€291k▲
Equity and liabilities
Total equity and liabilities10/49€1.72M€1.74M▲
Equity10/15€1.53M€1.48M▼
Contributions10/11€1.12M€1.12M=
Capital10€1.12M€1.12M=
Issued capital100€1.12M€1.12M=
Reserves13€112k€112k=
Non-distributable reserves130/1€112k€112k=
Legal reserve130€112k€112k=
Profit (loss) carried forward14€298k€248k▼
Provisions and deferred taxes16€112k€112k=
Provisions for liabilities and charges160/5€112k€112k=
Other liabilities and charges164/5€112k€112k=
Amounts payable17/49€74k€153k▲
Amounts payable within one year42/48€74k€153k▲
Trade debts44€74k€153k▲
Suppliers440/4€74k€153k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€16k▲
Other operating charges640/8€40k€39k▼
Gross operating margin9900€12k€946▼
Operating profit (loss)9901€-42k€-54k▼
Financial income75/76B€7k€4k▼
Recurring financial income75€7k€4k▼
Financial charges65/66B€38€61▲
Recurring financial charges65€38€61▲
Profit (loss) for the period before taxes9903€-35k€-50k▼
Profit (loss) for the period9904€-35k€-50k▼
Profit (loss) for the period to be appropriated9905€-35k€-50k▼
Appropriation of the result
Profit (loss) to be appropriated9906€298k€248k▼
Profit (loss) brought forward from the previous period14P€333k€298k▼
The notes to these accounts (7 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 · abbreviated schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after 3 loss-making years.
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Saint-Ghislain · 1 establishment unit since 1991
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.
Rue Grande(SG) 64-66-687330 Saint-GhislainGround area
676 m²
Building footprint
145 m²
Volume, LiDAR
1,724 m³
2 parcels, Wallonia · tallest building 14.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
PROTECTIM SA
since 19912.054.984.986
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53070B0258/00W000 | Wallonia | 357 m² | 1 · 70 m² | 14.0 m · 4 fl. |
| 53070B0258/00E002 | Wallonia | 320 m² | 1 · 75 m² | 14.8 m · 4 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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STEPHANE GILLET
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HUIS-IN-ZICHT
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Of 11,702 companies in sector 68310 we hold annual accounts for 6,876. 3,205 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded25-09-1991
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.