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PROTECURA

Active
Private limited company (pre-2019)founded 2012active for 14 yearsDorpstraat 570, 3061 Bertem, BelgiumKBO/BCE: BE 0849.588.851
Summary

The annual accounts of PROTECURA for financial year 2025 show a net loss of 52% of the equity at the start of that year. The 2025 annual accounts show equity of €863 and a net result of -€928. Equity has been shrinking by about 53% per year since 2019. Its solvency ranks better than 14% of 9,664 sector peers (NACE 82, financial year 2025). The company has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.9% (low).

Overview

Official details

Source: KBO
Status
Active since 09-10-2012 Normal situation
Activity
Other business support services NACE 82990and 3 others
Establishment unit
2.214.005.006 3061 Bertem, since 11-11-2012
Financial year end
30 September
Peppol
Reachable since 30-12-2025

Financial position

53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.9%
Annual accounts to 30-09-2025
Gross margin
€6,711
Turnover
≈ €39,000
estimated
Loss
€928
▼ 95.4%
Equity
€863
▼ 51.8%
Total assets
€218,092
▼ 3.7%
  • 2025 accounts filed 4 days after the deadline
Score breakdownraises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearLast filed accounts filed 4 days late; 2 of the last 3 accounts lateLiquidity: current ratio 1.00, cash €1,378lowers riskSize: total assets €218,092Sector: Office administrative, office support and other business support activities (NACE 82)Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 11% of micro companies in office administrative support (NACE 82)
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Weak
Solvency 25-1
equity 0.4% of total assets
Liquidity 1=
short-term debt 99.6% · cash 0.6%
Profitability 23+8
return on assets -0.4%
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (12,671 companies, NACE 82, micro)
Last 24 months 12-2024: 6.1% 01-2025: 5.5%▼ -0.6 percentage points vs 12-2024 02-2025: 5.5%● unchanged vs 01-2025 03-2025: 5.5%● unchanged vs 02-2025 04-2025: 5.5%● unchanged vs 03-2025 05-2025: 7.3%▲ +1.8 percentage points vs 04-2025highest value 06-2025: 7.3%● unchanged vs 05-2025highest value 07-2025: 2.0%▼ -5.3 percentage points vs 06-2025 08-2025: 2.0%● unchanged vs 07-2025 09-2025: 2.0%● unchanged vs 08-2025 10-2025: 1.9%▼ -0.1 percentage points vs 09-2025 11-2025: 1.9%● unchanged vs 10-2025 12-2025: 1.9%● unchanged vs 11-2025 01-2026: 1.9%● unchanged vs 12-2025 02-2026: 1.9%● unchanged vs 01-2026 03-2026: 1.8%▼ -0.1 percentage points vs 02-2026 04-2026: 1.9%▲ +0.1 percentage points vs 03-2026 05-2026: 2.1%▲ +0.2 percentage points vs 04-2026 06-2026: 0.9%▼ -1.2 percentage points vs 05-2026 07-2026: 0.9%● unchanged vs 06-2026 08-2026: 0.9%● unchanged vs 07-2026 09-2026: 0.9%● unchanged vs 08-2026 10-2026: 0.9%● unchanged vs 09-2026lowest value 11-2026: 0.9%● unchanged vs 10-2026lowest value
No publishable credit limit, so credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is tight, with a current ratio of 1.0 (1.0 in 2024), below the usual 1.5. Short-term debt is 99.6% and cash 0.6% of total assets. 99.6% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 13% of them on solvency, 2% on liquidity, 17% on profitability and 12% on growth.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Seven signals.
lowers riskraises risk
raises risk · Last filed accounts filed 4 days late; 2 of the last 3 accounts late
NBB · filings
lowers risk · Size: total assets €218,092
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 1.00, cash €1,378
NBB · annual accounts
lowers risk · Sector: Office administrative, office support and other business support activities (NACE 82)
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€928
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 9664 sector peers (2025).
NBB · sector comparison
Position among 9664 sector peers
Solvency
better than 14%
← weakest strongest →
raises risk · 2025 accounts filed 4 days late
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 04-05-2026, 4 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
4 days late
2024
51 days late
2023
416 days late
2022
417 days late
2021
114 days late
2020
19 days early
2019
19 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 138 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 22 August (5 of the last 5 accounts filed within 303 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-09-2026 year end04-11-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: 3 loss-making years in a rowloss in financial year 2025 -€928 View
  • Caution: Lower solvency than 86% of companies in office administrative supportsector median 50.3% · 9,664 companies 0.4% View

Recent changes

  1. · Gazette deed Incorporation
All 13 events

Comparable companies

These companies have the same main activity as PROTECURA: other business support services (NACE 82990). They are comparable in size and age: total assets between €172,000 and €246,000, founded between 2008 and 2013.

CompanyTotal assetsGross margin
PROTECURA Bertem€218,092€6,711
Arthenem Holsbeek€186,007€6,370
The safe solution Wielsbeke€215,016€7,222
LVC Projects Lille€177,208€7,198
LIMEX Antwerpen€212,914€8,457
PEINTOUS Drogenbos€171,616€7,339
ALLTRI Zemst€246,266€11,142
Full comparison

Key facts about PROTECURA

What is the company number of PROTECURA?
The company number of PROTECURA is 0849.588.851. The VAT number is the same number with BE in front: BE 0849.588.851.
Where is PROTECURA based?
The registered office is at Dorpstraat 570, 3061 Bertem.Company details
What does PROTECURA do?
According to the KBO register, the main activity is other business support services (NACE 82990).
What is the legal form of PROTECURA?
The legal form of PROTECURA is Private limited company (pre-2019) (BVBA).
When was PROTECURA founded?
PROTECURA was founded on 09-10-2012.
Is PROTECURA still active?
Yes, PROTECURA is an active enterprise in the KBO register.
What is the turnover of PROTECURA?
The turnover in financial year 2025 is ≈ €39,000. This figure is estimated from the gross margin of €6,711 and 44 comparable companies (NACE 82990). It probably lies between €20,000 and €76,000. It is a rough estimate.Financials
Is PROTECURA profitable?
In financial year 2025, PROTECURA made a loss of €928.
Where can I find the annual accounts of PROTECURA?
PROTECURA filed 13 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of PROTECURA due?
PROTECURA must file the annual accounts for financial year 2026 by 30-04-2027.Timeline

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