PT INVEST
ActivePT INVEST has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €-43k. Equity is growing by ~32.2% per year across the filed fiscal years. Its solvency ranks better than 10% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-28
Solvency27▼-2
Growth22▼-16
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity short (current ratio 0.69 against 0.38 in 2024; short-term debt: 28.1% and cash: 0.1% of total assets), and 97.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
2.2%
Return on assets
-1.9%
Age of the figures
15 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 10%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-08-2026, 212 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
212 d late
2024
577 d late
2023
56 d late
2022
120 d late
2021
2 d late
2020
20 d early
2019
46 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€370k▼ 59.1%
2020 · €904k
2019: €1.01M
2020: €904k
2019 → 2021
EBIT margin
12.9%▲ 0.6pp
2020 · 12.3%
2019: 12.2%
2020: 12.3%
2019 → 2021
Net result
€-43k
2024 · €104k
2019: €70k
2020: €76k
2021: €17k
2022: €-25k
2023: €101k
2024: €104k
2019 → 2025
Working capital
€-202k▲ 60.5%
2024 · €-510k
2019: €18k
2020: €-285k
2021: €-266k
2022: €-477k
2023: €-523k
2024: €-510k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€370k-
Equity€-86k-€-111k▼ 28.5%€-10k▲ 91.4%€95k€51k▼ 45.7%
Operating result€48k-€3k▼ 92.9%€153k▲ 4,416%€107k▼ 30.3%€27k▼ 74.8%
Net result€17k-€-25k€101k€104k▲ 2.9%€-43k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 75% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.29M
Fixed assets
€1.85M▼ 1.9%
Current assets
€442k▲ 41.8%
Equity and liabilities €2.29M
Equity
€51k▼ 45.7%
Provisions
€11k=
Debt
€2.23M▲ 6.6%
The debt ratio rises from 95.2% to 97.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€70k▼
2024 · €149k
Cash flow
€167▼
2024 · €147k
Solvency
2.2%▼
2024 · 4.3%
Current ratio
0.69▲
2024 · 0.38
Quick ratio
0.10▼
2024 · 0.38
Debt / equity
43.34▲
2024 · 22.08
ROE
-84.2%▼
2024 · 110.0%
ROA
-1.9%▼
2024 · 4.7%
Interest coverage
1.35▼
2024 · 3.81
Debt
€2.23M▲
2024 · €2.09M
Debt ≤ 1 year
€643k▼
2024 · €821k
Debt > 1 year
€1.58M▲
2024 · €1.27M
Income taxes
€18k▲
2024 · €12k
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€2.19M€2.29M▲
Fixed assets21/28€1.88M€1.85M▼
Tangible fixed assets22/27€1.88M€1.85M▼
Land and buildings22€1.80M€1.78M▼
Plant, machinery and equipment23€3k€3k▼
Other tangible fixed assets26€78k€61k▼
Current assets29/58€311k€442k▲
Stocks and contracts in progress3-€379k
Stocks30/36-€379k
Amounts receivable within one year40/41€62k€60k▼
Trade receivables40€21k€40k▲
Other amounts receivable41€42k€20k▼
Cash at bank and in hand54/58€63k€2k▼
Deferred charges and accrued income490/1€186k-
Equity and liabilities
Total equity and liabilities10/49€2.19M€2.29M▲
Equity10/15€95k€51k▼
Contributions10/11€266€266=
Reserves13€38k€50k▲
Tax-exempt reserves132€35k€35k=
Distributable reserves133€3k€15k▲
Profit (loss) carried forward14€56k€961▼
Provisions and deferred taxes16€11k€11k=
Deferred taxes168€11k€11k=
Amounts payable17/49€2.09M€2.23M▲
Amounts payable after more than one year17€1.27M€1.58M▲
Financial debts170/4€1.27M€1.58M▲
Amounts payable within one year42/48€821k€643k▼
Current portion of amounts payable after more than one year42€183k€148k▼
Financial debts43€25k€24k▼
Other loans439€25k€24k▼
Trade debts44€197k€174k▼
Suppliers440/4€197k€174k▼
Taxes, remuneration and social security45€159k€72k▼
Taxes450/3€125k€72k▼
Remuneration and social security454/9€34k-
Other amounts payable47/48€257k€225k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€43k▲
Other operating charges640/8€12k€13k▲
Gross operating margin9900€162k€83k▼
Operating profit (loss)9901€107k€27k▼
Financial income75/76B€61k€6▼
Recurring financial income75€61k€6▼
Financial charges65/66B€39k€52k▲
Recurring financial charges65€39k€52k▲
Profit (loss) for the period before taxes9903€128k€-25k▼
Transfer to deferred taxes680€11k-
Income taxes67/77€12k€18k▲
Profit (loss) for the period9904€104k€-43k▼
Transfer to tax-exempt reserves689€34k-
Profit (loss) for the period to be appropriated9905€70k€-43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€13k▼
Profit (loss) brought forward from the previous period14P€-13k€56k▲
Transfer to equity691/2-€12k
To other reserves6921-€12k
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 212 days late
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 577 days late
2025
30-06
Financial
Weakest financial yearnet €-43k ▼142%
Net result drops to €-43k, the lowest in the series.
2024
30-06
Financial
Highest result since 2019net €104k ▲2.9%
Net result €104k, the highest in the series.
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
2023
30-06
Financial
Back to profitnet €101k
Net result €101k after one loss-making year.
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 120 days late
2022
02-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
11-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
16-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Brugge · 1 establishment unit since 2014
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.
Morgensterdreef 48200 BruggeGround area
2,673 m²
Building footprint
376 m²
Volume, LiDAR
5,748 m³
2 parcels, Flanders · tallest building 32.2 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
PT INVEST
since 20142.233.630.579
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31027F0552/00A000 | Flanders | 2,000 m² | 1 · 236 m² | 32.2 m · 8 fl. |
| 35015A0456/00K000 | Flanders | 673 m² | 1 · 140 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
L HEAT
BE 0764.638.825
Sint-Genesius-Rode · Eq €51k
PAESEN pomp & sproei
BE 0741.799.679
Pelt · Eq €51k
WoVi
BE 0748.914.729
Willebroek · Eq €51k
MDL WORKS
BE 0746.450.236
Heist-op-den-Berg · Eq €51k
AQUA CELSIUS
BE 0781.560.474
Lasne · Eq €52k
Of 7,042 companies in sector 43221 we hold annual accounts for 3,469. 2,962 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-08-2014
Fiscal year end30-06
Activities, NACEBEL
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
46412Wholesale of household textiles and bedding
46422Wholesale trade
46423Wholesale of clothing, excluding workwear and underwear
47512Retail sale of household textiles and bedding
47714Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.