PS TRADING
ActiveThe computed 12-month bankruptcy probability of PS TRADING is 4.0% (elevated). The 2025 annual accounts show equity of €27k and a net result of €4k. Its solvency ranks better than 27% of 11209 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-15
Solvency36▼-2
Growth52
Track record94
Bankruptcy probability, 12 months
4.0%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.14 against 1.12 in 2024; short-term debt: 77% and cash: 0.8% of total assets), and 88.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
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
11.1%
Return on assets
1.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
13 d late
2024
90 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▲ 17.4%
2024 · €23k
2024: €23k
2024 → 2025
Total assets
€240k▲ 32.5%
2024 · €181k
2024: €181k
2024 → 2025
Net result
€4k▼ 63.1%
2024 · €11k
2024: €11k
2024 → 2025
Working capital
€26k▲ 33.2%
2024 · €20k
2024: €20k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€23k-€27k▲ 17.4%
Operating result€15k-€9k▼ 38.5%
Net result€11k-€4k▼ 63.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €240k
Fixed assets
€29k▲ 824%
Current assets
€211k▲ 18.5%
Equity and liabilities €240k
Equity
€27k▲ 17.4%
Debt
€213k▲ 34.7%
The debt ratio rises from 87.4% to 88.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€14k▼
2024 · €16k
Cash flow
€9k▼
2024 · €12k
Solvency
11.1%▼
2024 · 12.6%
Current ratio
1.14▲
2024 · 1.12
Quick ratio
0.77▼
2024 · 0.91
Debt / equity
7.99▲
2024 · 6.97
ROE
14.8%▼
2024 · 47.2%
ROA
1.6%▼
2024 · 5.9%
Interest coverage
4.80▼
2024 · 22.65
Debt
€213k▲
2024 · €158k
Debt ≤ 1 year
€185k▲
2024 · €158k
Debt > 1 year
€28k
Income taxes
€2k▼
2024 · €3k
Staff costs
€59k▲
2024 · €54k
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€181k€240k▲
Fixed assets21/28€3k€29k▲
Intangible fixed assets21€2k€2k▲
Tangible fixed assets22/27€1k€26k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€1k€22k▲
Other tangible fixed assets26-€2k
Financial fixed assets28-€420
Current assets29/58€178k€211k▲
Stocks and contracts in progress3€34k€68k▲
Stocks30/36€34k€68k▲
Amounts receivable within one year40/41€142k€134k▼
Trade receivables40€142k€130k▼
Other amounts receivable41-€4k
Cash at bank and in hand54/58€2k€2k▲
Deferred charges and accrued income490/1-€7k
Equity and liabilities
Total equity and liabilities10/49€181k€240k▲
Equity10/15€23k€27k▲
Contributions10/11€12k€12k=
Profit (loss) carried forward14€11k€15k▲
Amounts payable17/49€158k€213k▲
Amounts payable after more than one year17-€28k
Financial debts170/4-€28k
Amounts payable within one year42/48€158k€185k▲
Financial debts43-€14k
Credit institutions430/8-€14k
Trade debts44€90k€115k▲
Suppliers440/4€90k€115k▲
Taxes, remuneration and social security45€17k€32k▲
Taxes450/3€8k€18k▲
Remuneration and social security454/9€10k€14k▲
Other amounts payable47/48€51k€24k▼
Income statement
Code20242025
Remuneration, social security and pensions62€54k€59k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€5k▲
Other operating charges640/8€802€400▼
Non-recurring operating charges66A€194€0▼
Gross operating margin9900€71k€73k▲
Operating profit (loss)9901€15k€9k▼
Financial income75/76B€15€20▲
Recurring financial income75€15€20▲
Financial charges65/66B€702€3k▲
Recurring financial charges65€702€3k▲
Profit (loss) for the period before taxes9903€14k€6k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€11k€4k▼
Profit (loss) for the period to be appropriated9905€11k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€15k▲
Profit (loss) brought forward from the previous period14P-€11k
The notes to these accounts (13 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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 90 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Lambrechts-Woluwe · 2 establishment units since 2023
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.
de Broquevillelaan 86/B21200 Sint-Lambrechts-WoluweGround area
326 m²
Building footprint
174 m²
Volume, LiDAR
2,392 m³
2 parcels, Brussels · tallest building 27.1 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
LEZILE
since 20232.347.398.020
PS TRADING
since 20242.358.697.926
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0131/00D006 | Brussels | 171 m² | 1 · 102 m² | 27.1 m · 5 fl. |
| 21815D0329/00F004indicative | Brussels | 155 m² | 1 · 72 m² | 15.5 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.358.697.926
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INNOVINO
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Of 1,051 companies in sector 46341 we hold annual accounts for 535. 330 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-06-2023
Fiscal year end31-12
Activities, NACEBEL
46341Wholesale of wines and spirits
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.