Financials
- Fiscal year
- 2025
- Total assets
- €97,155
- Loss
- -€1,414
- Solvency
- 3.7%
PSD Service
ActiveSummary
The computed 12-month bankruptcy probability of PSD Service is 2.7% (moderate). The 2025 annual accounts show equity of €3,586 and a net result of -€1,414. Its solvency ranks better than 21% of 12348 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Agents in the wholesale of timber and building materials
NACE 46130Business and other management consultancy NACE 70200Business consulting NACE 70220
2 sites
How big
€97,155total assets 2025
- Staff
- 2.3 FTE
- Equity
- €3,586
- Loss
- -€1,414
Turnover not published (abridged schema)
Who decides
Accounts 2 d early0 of 1 deed read
Why 49- Founded in 2024- Liquidity: current ratio 0.87, cash €515- 2 establishment units- Equity €3,586 (3.7% of total assets)Show the evidence
Checked score
Score 2025
49
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 14% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Financial strength
Weak
Solvency
29
equity 3.7% of total assets
Liquidity
1
short-term debt 95.9% · cash 0.5%
Profitability
17
return on assets -1.5%
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2025: 1.9%lowest value
12-2025: 1.9%▲ +2.7% vs 11-2025
01-2026: 1.9%▲ +2.0% vs 12-2025
02-2026: 2.4%▲ +23.3% vs 01-2026
03-2026: 2.4%▲ +0.5% vs 02-2026
04-2026: 2.7%▲ +10.5% vs 03-2026
05-2026: 2.9%▲ +10.3% vs 04-2026highest value
06-2026: 2.9%● 0.0% vs 05-2026highest value
07-2026: 2.9%▼ -1.4% vs 06-2026
08-2026: 2.6%▼ -9.2% vs 07-2026
09-2026: 2.6%● 0.0% vs 08-2026
10-2026: 2.7%▲ +4.6% vs 09-2026
- Founded in 2024 raises the probability for this profile
- Liquidity: current ratio 0.87, cash €515 raises the probability
- 2 establishment units raises the probability
- Equity €3,586 (3.7% of total assets) raises the probability
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 19%, liquidity 3%, profitability 21%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610020317, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 12348 sector peers (2025).
NBB · sector comparisonPosition among 12348 sector peers
Solvency
better than 21%
← weakest
strongest →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
2 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 29-07-2026Annual accounts filed
Company details
- Sites
- 2
- Legal form
- Private limited company
- Activity
- Agents in the wholesale of timber and building…NACE 46130
- Founded
- 16-10-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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