Summary
PSMART is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €4.9m and a net result of €115,149. Its solvency ranks better than 39% of 5558 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€4.9m
Net result
€115,149
Total assets
€12.3m
Solvency
39.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €12.3m
Fixed assets
€11.9m
Current assets
€382,192
Equity and liabilities €12.3m
Equity
€4.9m
Debt
€7.4m
Debt finances 60.4% of the balance-sheet total.
Key figures and ratios
ROE
2.4%
ROA
0.9%
Debt ≤ 1 year
€2.1m
Debt > 1 year
€5.3m
Income taxes
€62,004
Staff costs
€6,706
Annual accounts
| Line | 2025 |
|---|---|
| Remuneration, social security and pensions62 | €6,706 |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €54,001 |
| Other operating charges640/8 | €7,703 |
| Gross operating margin9900 | €311,374 |
| Operating profit (loss)9901 | €242,964 |
| Financial income75/76B | €4,514 |
| Recurring financial income75 | €4,514 |
| Financial charges65/66B | €70,325 |
| Recurring financial charges65 | €70,325 |
| Profit (loss) for the period before taxes9903 | €177,153 |
| Income taxes67/77 | €62,004 |
| Profit (loss) for the period9904 | €115,149 |
| Profit (loss) for the period to be appropriated9905 | €115,149 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €12.3m | |
| Fixed assets21/28 | €11.9m | |
| Tangible fixed assets22/27 | €706,380 | |
| Land and buildings22 | €693,077 | |
| Furniture and vehicles24 | €13,303 | |
| Financial fixed assets28 | €11.2m | |
| Current assets29/58 | €382,192 | |
| Amounts receivable within one year40/41 | €270,541 | |
| Other amounts receivable41 | €270,541 | |
| Cash at bank and in hand54/58 | €107,891 | |
| Deferred charges and accrued income490/1 | €3,760 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €12.3m | |
| Equity10/15 | €4.9m | |
| Contributions10/11 | €4.6m | |
| Reserves13 | €255,928 | |
| Non-distributable reserves130/1 | €22 | |
| Reserves not available under the articles1311 | €22 | |
| Distributable reserves133 | €255,906 | |
| Profit (loss) carried forward14 | €0 | |
| Amounts payable17/49 | €7.4m | |
| Amounts payable after more than one year17 | €5.3m | |
| Financial debts170/4 | €5.1m | |
| Other amounts payable178/9 | €276,875 | |
| Amounts payable within one year42/48 | €2.1m | |
| Current portion of amounts payable after more than one year42 | €55,745 | |
| Trade debts44 | €6,328 | |
| Suppliers440/4 | €6,328 | |
| Taxes, remuneration and social security45 | €106,945 | |
| Taxes450/3 | €106,945 | |
| Other amounts payable47/48 | €1.9m | |
| Accrued charges and deferred income492/3 | €39,984 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €115,149 |
| + Depreciation and write-downs630 | €54,001 |
| Operating cash flow (approximation) | €169,150 |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are 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, Schilde · 1 establishment unit since 2024
Ground area
1,226 m²
Building footprint
225 m²
Volume, LiDAR
1,520 m³
Parcel 11922C0165/00V002, Flanders · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
PSMART
since 20242.368.268.064
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11922C0165/00V002 | Flanders | 1,226 m² | 1 · 225 m² | 11.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,771. 8,218 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-12-2024
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.