PSL & CO
ActivePSL & CO has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €18k and a net result of €-2k. Equity is shrinking by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 40% of 15869 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2022
Profitability29=
Solvency52▲+1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.36 against 1.35 in 2022; short-term debt: 73.3% of total assets), and 73.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
26.7%
Return on assets
-3.4%
Age of the figures
21 mo
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 · 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
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 19-11-2025, 111 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
111 d late
2022
248 d late
2020
66 d late
2018
27 d late
2017
14 d late
2016
20 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€18k▼ 14.0%
2022 · €21k
2018: €39k
2020: €32k
2022: €21k
2018 → 2024
Total assets
€68k▼ 16.5%
2022 · €82k
2018: €59k
2020: €67k
2022: €82k
2018 → 2024
Net result
€-2k▲ 18.3%
2022 · €-3k
2018: €-186
2020: €-115
2022: €-3k
2018 → 2024
Working capital
€18k▼ 14.0%
2022 · €21k
2018: €39k
2020: €30k
2022: €21k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2018202020222024Trend
Equity€39k-€32k▼ 19.0%€21k▼ 33.8%€18k▼ 14.0%
Operating result€2k-€409▼ 76.1%€-2k€-2k▲ 7.7%
Net result€-186-€-115▲ 38.0%€-3k▼ 2,363%€-2k▲ 18.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €-2k in 2024, compared with €-2k in 2022. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2024 in colour, 2022 as the grey bar beneath
Equity and liabilities €68k
Equity
€18k▼ 14.0%
Debt
€50k▼ 17.4%
The debt ratio falls from 74.1% to 73.3%. Equity and debt are lower.
Key figures and ratios
Solvency
26.7%▲
2022 · 25.9%
Current ratio
1.36▲
2022 · 1.35
Quick ratio
1.36▲
2022 · 1.35
Debt / equity
2.75▼
2022 · 2.86
ROE
-12.7%▲
2022 · -13.4%
ROA
-3.4%▲
2022 · -3.5%
Debt
€50k▼
2022 · €60k
Debt ≤ 1 year
€50k▼
2022 · €60k
Staff costs
€1k
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 · 2024 against 2022
Balance sheet
Code20222024
Assets
Total assets20/58€82k€68k▼
Current assets29/58€82k€68k▼
Amounts receivable within one year40/41€69k€55k▼
Trade receivables40€36k€36k=
Other amounts receivable41€33k€20k▼
Deferred charges and accrued income490/1€13k€13k=
Equity and liabilities
Total equity and liabilities10/49€82k€68k▼
Equity10/15€21k€18k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€13k€10k▼
Amounts payable17/49€60k€50k▼
Amounts payable within one year42/48€60k€50k▼
Financial debts43€5k€5k▼
Credit institutions430/8€5k€5k▼
Trade debts44€25k€3k▼
Suppliers440/4€25k€3k▼
Taxes, remuneration and social security45€6k€6k=
Taxes450/3€2k€2k=
Remuneration and social security454/9€5k€5k=
Other amounts payable47/48€24k€36k▲
Income statement
Code20222024
Remuneration, social security and pensions62-€1k
Other operating charges640/8-€502
Gross operating margin9900€-2k€-556▲
Operating profit (loss)9901€-2k€-2k▲
Financial charges65/66B€253€15▼
Recurring financial charges65€253€15▼
Profit (loss) for the period before taxes9903€-3k€-2k▲
Income taxes67/77€90-
Profit (loss) for the period9904€-3k€-2k▲
Profit (loss) for the period to be appropriated9905€-3k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€10k▼
Profit (loss) brought forward from the previous period14P€16k€12k▼
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 111 days late
2024
04-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 248 days late
2022
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
2021
05-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 66 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2015
31-08
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 31 days late
2014
28-08
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lier · 1 establishment unit since 2011
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.
Veemarkt 92500 LierGround area
196 m²
Building footprint
128 m²
Volume, LiDAR
1,022 m³
Parcel 12392C0003/00Z000, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PSL & CO
since 20112.304.459.880
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392C0003/00Z000 | Flanders | 196 m² | 1 · 128 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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ALSOM
BE 0758.681.243
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SANTENS BART
BE 0876.381.637
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Rekenaars
BE 1003.164.496
Meerhout · Eq €18k
ISO-SELECT EBVBA
BE 0834.665.402
Antwerpen · Eq €19k
Of 1,804 companies in sector 46831 we hold annual accounts for 1,398. 410 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-07-2011
Fiscal year end31-12
Activities, NACEBEL
46831Wholesale of construction materials, general range
46130Agents in the wholesale of timber and building materials
46839Wholesale trade
47521Retail sale of hardware, building materials, paint and glass (general range)
47529Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.