PRUDENCE
ActiveSummary
PRUDENCE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The latest annual accounts of PRUDENCE were filed more than 90 days after the deadline. The 2024 annual accounts show negative equity (€-694k) and a net result of €-122k. Equity is shrinking by ~36% per year across the filed fiscal years. Its solvency ranks better than 5% of 6157 sector peers (fiscal year 2024). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Filing: Filed more than 90 days late
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Signals
1 signal. The signal on the left, the evidence on the right.
+raises risk
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-10-2025, 91 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
91 d late
2023
120 d late
2022
13 d early
2021
61 d late
2020
44 d late
2019
292 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€-694k▼ 21.2%
2023 · €-572k
Net result
€-122k▼ 1.6%
2023 · €-120k
Total assets
€3.43M▲ 0.8%
2023 · €3.40M
Solvency
-20.2%▼ 3.4pp
2023 · -16.8%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€-7k▲ 23.0%€-6k▲ 16.9%€-3k▲ 48.2%€-5k▼ 51.6%€-3k▲ 28.9%
Net result€-136k▲ 49.5%€-109k▲ 19.8%€-115k▼ 5.1%€-120k▼ 4.0%€-122k▼ 1.6%
Equity€-228k€-338k▼ 47.9%€-453k▼ 34.1%€-572k▼ 26.4%€-694k▼ 21.2%
Total assets€3.32M▼ 4.6%€3.35M▲ 0.7%€3.37M▲ 0.8%€3.40M▲ 0.8%€3.43M▲ 0.8%
Debt€3.55M▲ 3.8%€3.69M▲ 3.8%€3.83M▲ 3.8%€3.97M▲ 3.8%€4.12M▲ 3.8%
Working capital€-141k▲ 94.4%€-147k▼ 4.3%€-150k▼ 2.3%€-156k▼ 3.5%€-159k▼ 2.5%
Solvency-6.9%▼ 12.0pp-10.1%▼ 3.2pp-13.4%▼ 3.3pp-16.8%▼ 3.4pp-20.2%▼ 3.4pp
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2024 against €5k in 2023; the loss shrinks.
Key figures and ratios
ROA
-3.5%▼
2023 · -3.5%
Debt ≤ 1 year
€159k▲
2023 · €156k
Debt > 1 year
€3.01M=
2023 · €3.01M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | €1k | €979 | €1k | €1k | ▲ 1.7% |
| Gross operating margin9900 | €-6k | €-5k | €-2k | €-4k | €-2k | ▲ 38.2% |
| Operating profit (loss)9901 | €-7k | €-6k | €-3k | €-5k | €-3k | ▲ 28.9% |
| Financial income75/76B | - | €25k | €26k | €27k | €28k | ▲ 4.0% |
| Recurring financial income75 | - | €25k | €26k | €27k | €28k | ▲ 4.0% |
| Financial charges65/66B | - | €128k | €138k | €142k | €146k | ▲ 3.1% |
| Recurring financial charges65 | €129k | €128k | €138k | €142k | €146k | ▲ 3.1% |
| Profit (loss) for the period before taxes9903 | €-136k | €-109k | €-115k | €-120k | €-122k | ▼ 1.6% |
| Profit (loss) for the period9904 | €-136k | €-109k | €-115k | €-120k | €-122k | ▼ 1.6% |
| Profit (loss) for the period to be appropriated9905 | €-136k | €-109k | €-115k | €-120k | €-122k | ▼ 1.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.32M | €3.35M | €3.37M | €3.40M | €3.43M | ▲ 0.8% |
| Fixed assets21/28 | €3.32M | €3.35M | €3.37M | €3.40M | €3.43M | ▲ 0.8% |
| Financial fixed assets28 | €3.32M | €3.35M | €3.37M | €3.40M | €3.43M | ▲ 0.8% |
| Current assets29/58 | €329 | €2 | €0 | €306 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €0 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €329 | €2 | €0 | €306 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.32M | €3.35M | €3.37M | €3.40M | €3.43M | ▲ 0.8% |
| Equity10/15 | €-228k | €-338k | €-453k | €-572k | €-694k | ▼ 21.2% |
| Contributions10/11 | €269k | €269k | €269k | €269k | €269k | = |
| Capital10 | - | €269k | €269k | €269k | €269k | = |
| Issued capital100 | - | €269k | €269k | €269k | €269k | = |
| Profit (loss) carried forward14 | €-497k | €-606k | €-721k | €-841k | €-963k | ▼ 14.5% |
| Amounts payable17/49 | €3.55M | €3.69M | €3.83M | €3.97M | €4.12M | ▲ 3.8% |
| Amounts payable after more than one year17 | €3.01M | €3.01M | €3.01M | €3.01M | €3.01M | = |
| Financial debts170/4 | - | €3.01M | €3.01M | €3.01M | €3.01M | = |
| Amounts payable within one year42/48 | €141k | €147k | €150k | €156k | €159k | ▲ 2.3% |
| Financial debts43 | - | - | €160 | €0 | €214 | - |
| Credit institutions430/8 | - | - | €160 | €0 | €214 | - |
| Trade debts44 | €2k | €4k | €2k | €1k | €2k | ▲ 40.9% |
| Suppliers440/4 | - | €4k | €2k | €1k | €2k | ▲ 40.9% |
| Other amounts payable47/48 | - | €143k | €148k | €154k | €157k | ▲ 1.8% |
| Accrued charges and deferred income492/3 | - | €526k | €663k | €805k | €950k | ▲ 18.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-136k | €-109k | €-115k | €-120k | €-122k | ▼ 1.6% |
| Operating cash flow (approximation) | €-136k | €-109k | €-115k | €-120k | €-122k | ▼ 1.6% |
| Investment in fixed assets (approximation) | - | €-25k | €-26k | €-27k | €-28k | ▼ 4.0% |
| Change in cash | - | €-327 | €-2 | €306 | €-306 | ▼ 200% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
15-09
State Gazette act
Resignation: Fabrice Goffin (director)1 fact ▸
State Gazette act
Resignation: Fabrice Goffin (director)
1 fact ▸
- Director resignation, Fabrice Goffin (director)
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 91 days late
2024
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 120 days late
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 61 days late
2021
13-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 44 days late
19-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 292 days late
2019
31-12
Financial
Weakest financial yearnet €-270k
Net result drops to €-270k, the lowest in the series; recovery starts the following year.
26-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 118 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 23 days late
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 10 acts read
About the unread acts
Of the 10 Belgian State Gazette acts we know for this company, 1 has been read. The other 9 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2026
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.
04-06-2026
Resigned as Director
Not every act has been read: a resignation may be missing here
9 of this company's 10 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Oostende · 1 establishment unit since 2013
Ground area
1.3 ha
Building footprint
1,742 m²
Volume, LiDAR
9,806 m³
2 parcels, Flanders · tallest building 8.2 m, ±3 floors. Linked by address, not a title deed.
10
companies at this address
See who is registered here
1 establishment unit
Archimedesstraat 17, 8400 Oostende
since 20132.221.623.860
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35026A0447/00E000 | Flanders | 1.3 ha | 1 · 1,612 m² | 8.2 m · 3 fl. |
| 35020B0086/00W000 | Flanders | 130 m² | 1 · 130 m² | 5.7 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 24,730 companies in sector 64210 we hold annual accounts for 19,766. 13,492 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded08-07-2013
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.