PTMF
ActiveThe computed 12-month bankruptcy probability of PTMF is 16.4% (high). For PTMF, at least two filing cycles of the annual accounts are missing. The 2022 annual accounts show equity of €25k and a net result of €5k. Equity is shrinking by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 85% of 16709 sector peers (fiscal year 2022). The company has been active since 2018 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 2 administrative register entries (see administrative flags).
Checked score
No current score
Figures too old
The available figures for FY 2022 are too old to assess current financial health.
Bankruptcy probability: High
Filing: At least two filing cycles are missing
Axes, FY 2022 · tick = 2021
Profitability87▲+23
Solvency95▼-2
Growth78▲+46
Track record84
Bankruptcy probability, 12 months
16.4%
High
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
+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 56
Relative position
BE, all sectors
reference
Sector 56
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 2022Solvency, return and age of the figures
Solvency
70.3%
Return on assets
14.3%
Age of the figures
45 mo
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 · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 5 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline22-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 31-08-2023, 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
31 d late
2021
33 d early
2020
81 d late
2019
116 d late
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
2 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publicationsPublications
Address struckAddress strikeout annulled
Financials · fiscal year 2022, micro schema
Turnover
€206k
EBIT margin
0.7%
Net result
€5k
2021 · €-1k
2018: €4k
2019: €-2k
2020: €-524
2021: €-1k
2018 → 2022
Working capital
€16k▲ 75.4%
2021 · €9k
2018: €10k
2019: €7k
2020: €7k
2021: €9k
2018 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182019202020212022Trend
Turnover€206k
Equity€23k-€21k▼ 6.8%€21k▼ 2.5%€20k▼ 5.2%€25k▲ 25.4%
Operating result€6k-€-1k€1k€-451€7k
Net result€4k-€-2k€-524▲ 66.5%€-1k▼ 108%€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2022: €7k after a loss of €451 in 2021, the highest result in the available series.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €35k
Fixed assets
€9k▼ 17.7%
Current assets
€27k▲ 57.0%
Equity and liabilities €35k
Equity
€25k▲ 25.4%
Debt
€10k▲ 35.3%
The debt ratio rises from 28.2% to 29.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€10k▲
2021 · €2k
Cash flow
€8k▲
2021 · €2k
Solvency
70.3%▼
2021 · 71.8%
Current ratio
2.53▲
2021 · 2.18
Quick ratio
2.28▲
2021 · 1.30
Debt / equity
0.42▲
2021 · 0.39
ROE
20.3%▲
2021 · -5.5%
ROA
14.3%▲
2021 · -4.0%
Interest coverage
33.56▲
2021 · 11.19
Debt
€10k▲
2021 · €8k
Debt ≤ 1 year
€10k▲
2021 · €8k
Income taxes
€1k▲
2021 · €419
Staff costs
€99▼
2021 · €288
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 · 2022 against 2021
Balance sheet
Code20212022
Assets
Total assets20/58€27k€35k▲
Fixed assets21/28€11k€9k▼
Intangible fixed assets21€8k€7k▼
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€17k€27k▲
Stocks and contracts in progress3€7k€3k▼
Stocks30/36€7k€3k▼
Amounts receivable within one year40/41€1k€13k▲
Other amounts receivable41€1k€13k▲
Cash at bank and in hand54/58€9k€11k▲
Equity and liabilities
Total equity and liabilities10/49€27k€35k▲
Equity10/15€20k€25k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-713€4k▲
Amounts payable17/49€8k€10k▲
Amounts payable within one year42/48€8k€10k▲
Trade debts44€1k€6k▲
Suppliers440/4€1k€6k▲
Taxes, remuneration and social security45€5k€5k▼
Taxes450/3€2k€2k▼
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€920-
Income statement
Code20212022
Remuneration, social security and pensions62€288€99▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€3k€1k▼
Gross operating margin9900€5k€11k▲
Operating profit (loss)9901€-451€7k▲
Financial charges65/66B€217€295▲
Recurring financial charges65€217€295▲
Profit (loss) for the period before taxes9903€-668€6k▲
Income taxes67/77€419€1k▲
Profit (loss) for the period9904€-1k€5k▲
Profit (loss) for the period to be appropriated9905€-1k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-713€4k▲
Profit (loss) brought forward from the previous period14P€374€-713▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
14-09
State Gazette act
General meeting · Director resignationGeneral meeting · Director resignation · Director appointment6 facts ▸
State Gazette act
General meeting · Director resignation
General meeting · Director resignation · Director appointment6 facts ▸
- General meeting, 2026-07-31
- Director resignation, USMAN BUTT Mohammad (administrateur)
- Director appointment, BOULBEN EL Ghachaoui (administrateur)
- Share transfer, USMAN BUTT Mohammad → BOULBEN EL Ghachaoui
- Share transfer, MOUHU DIN Sohail → BOULBEN EL Ghachaoui
- Registered-office move, Avenue de Roodebeek 3 à 1030 Schaerbeek Bruxelles
2025
20-06
KBO administration
Address strikeout annulled
13-06
KBO administration
Address struck
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €5k
Net result €5k after 3 loss-making years.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 81 days late
2020
24-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 116 days late
2019
31-12
Financial
Weakest financial yearnet €-2k ▼136%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
06-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 67 days late
SignalFinancial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
BOULBEN EL Ghachaoui
CurrentDirector · since 31-07-2026
31-07-2026
BOULBEN EL Ghachaoui: Appointed as Director
31-07-2026
USMAN BUTT Mohammad: Resigned as Director
Location & real-estate footprint
Registered office, Schaarbeek · 1 establishment unit since 2018
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.
Roodebeeklaan 31030 SchaarbeekGround area
136 m²
Building footprint
126 m²
Volume, LiDAR
1,386 m³
2 parcels, Brussels, Flanders · tallest building 15.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
PIZZA TALIA
since 20182.273.187.971
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23644H0200/00K000 | Flanders | 87 m² | 1 · 85 m² | 11.7 m · 3 fl. |
| 21911C0148/00R016 | Brussels | 50 m² | 1 · 41 m² | 15.8 m · 5 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.
Structure & network
Capital and shareholders
Transfer of 90 shares (90%) from USMAN BUTT Mohammad to BOULBEN EL Ghachaoui
Transfer of 10 shares (10%) from MOUHU DIN Sohail to BOULBEN EL Ghachaoui
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Zanna's Bolleke
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EMEL
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 8,290 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded21-02-2018
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.