PUIMEGE FILIP
ActiveSummary
PUIMEGE FILIP has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €221k and a net result of €6k. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 92% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-9
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 8.0 against 10.57 in 2024; short-term debt: 11.1% and cash: 70.7% of total assets), and 11.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
88.8%
Return on assets
2.6%
Age of the figures
9 mo
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 20-04-2026, 102 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
102 d early
2024
38 d early
2023
35 d early
2022
31 d early
2021
39 d early
2020
40 d early
2019
29 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€221k▼ 9.1%
2024 · €243k
2018: €159k
2019: €188k
2020: €211k
2021: €198k
2022: €222k
2023: €227k
2024: €243k
2018 → 2025
Total assets
€248k▼ 6.2%
2024 · €265k
2018: €287k
2019: €324k
2020: €364k
2021: €367k
2022: €278k
2023: €257k
2024: €265k
2018 → 2025
Net result
€6k▼ 76.0%
2024 · €27k
2018: €11k
2019: €29k
2020: €23k
2021: €41k
2022: €31k
2023: €15k
2024: €27k
2018 → 2025
Working capital
€193k▼ 5.5%
2024 · €204k
2018: €217k
2019: €231k
2020: €222k
2021: €230k
2022: €148k
2023: €174k
2024: €204k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€198k-€222k▲ 12.2%€227k▲ 2.3%€243k▲ 7.1%€221k▼ 9.1%
Operating result€72k-€50k▼ 31.1%€21k▼ 58.5%€37k▲ 80.2%€10k▼ 73.7%
Net result€41k-€31k▼ 25.4%€15k▼ 49.5%€27k▲ 74.5%€6k▼ 76.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 74% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €248k
Fixed assets
€28k ▼ 28.8%
Current assets
€220k ▼ 2.2%
Equity and liabilities €248k
Equity
€221k ▼ 9.1%
Debt
€28k ▲ 26.1%
Debt's share of the balance-sheet total rises from 8.3% to 11.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€21k▼
2024 · €52k
Cash flow
€18k▼
2024 · €42k
Current ratio
8.00▼
2024 · 10.57
Quick ratio
7.01▼
2024 · 8.86
Debt to equity
0.13▲
2024 · 0.09
ROE
2.9%▼
2024 · 11.1%
ROA
2.6%▼
2024 · 10.2%
Interest coverage
16.08▼
2024 · 37.44
Debt ≤ 1 year
€28k▲
2024 · €21k
Income taxes
€3k▼
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€265k€248k▼
Fixed assets21/28€40k€28k▼
Tangible fixed assets22/27€40k€28k▼
Land and buildings22€28k€25k▼
Plant, machinery and equipment23€293€0▼
Furniture and vehicles24€11k€3k▼
Financial fixed assets28€10€10=
Current assets29/58€225k€220k▼
Amounts receivable after more than one year29€13k€0▼
Other amounts receivable291€13k€0▼
Stocks and contracts in progress3€36k€27k▼
Stocks30/36€31k€27k▼
Contracts in progress37€5k€567▼
Amounts receivable within one year40/41€26k€13k▼
Trade receivables40€15k€11k▼
Other amounts receivable41€11k€2k▼
Cash at bank and in hand54/58€147k€176k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€265k€248k▼
Equity10/15€243k€221k▼
Contributions10/11€20k€20k=
Reserves13€223k€201k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€223k€201k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€22k€28k▲
Amounts payable within one year42/48€21k€28k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€15k€21k▲
Accrued charges and deferred income492/3€710€246▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€11k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€54k€23k▼
Operating profit (loss)9901€37k€10k▼
Financial income75/76B€1k€662▼
Recurring financial income75€1k€662▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€37k€9k▼
Income taxes67/77€10k€3k▼
Profit (loss) for the period9904€27k€6k▼
Profit (loss) for the period to be appropriated9905€27k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€6k▼
Transfer from equity791/2€11k€29k▲
Transfer to equity691/2€27k€6k▼
To other reserves6921€27k€6k▼
Profit to be distributed694/7€11k€29k▲
Return on contributions (dividend)694€11k€29k▲
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
Next filing, fiscal year 2026, expected by
2026
20-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €6k ▼76%
Net result drops to €6k, the lowest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €222k ▲12.2%
5 profitable years in a row build equity to €222k.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €41k ▲78.3%
Operating result €72k, net result €41k, both a record.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €211k ▲12.3%
3 profitable years in a row build equity to €211k.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lokeren · 1 establishment unit since 2000
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.
Rechtstraat 909160 LokerenGround area
1,706 m²
Building footprint
19 m²
Volume, LiDAR
123 m³
Parcel 46007C0615/00K000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rechtstraat 90, 9160 Lokeren
since 20002.115.843.974
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46007C0615/00K000 | Flanders | 1,706 m² | 1 · 19 m² | 10.4 m · 2 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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BE 0842.602.970
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CALBRECHT
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DataWays
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TOUT DANS UN
BE 0883.580.819
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GAROT EMMANUEL
BE 0842.878.728
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 4,742 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-06-2000
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
43211General electrical installation work
43221Plumbing work
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.