PURNODE. M
ActiveSummary
The computed 12-month bankruptcy probability of PURNODE. M is 2.4% (moderate). The 2025 annual accounts show equity of €12k and a net result of €9k. Equity is growing by ~27.1% per year across the filed fiscal years. Its solvency ranks better than 13% of 27786 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
44
/ 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
Profitability77▼-5
Solvency33▼-50
Growth32▼-46
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.95 against 2.35 in 2024; short-term debt: 91.6% and cash: 18.8% of total assets), and 91.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 · 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
8.4%
Return on assets
6.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 13%
← weakest
strongest →
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 03-07-2026, 28 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
28 d early
2024
31 d early
2023
28 d early
2022
6 d early
2021
30 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
€12k▼ 84.7%
2024 · €75k
2021: €14k
2022: €49k
2023: €62k
2024: €75k
2021 → 2025
Total assets
€136k▲ 4.5%
2024 · €130k
2021: €58k
2022: €98k
2023: €91k
2024: €130k
2021 → 2025
Net result
€9k▼ 37.3%
2024 · €14k
2021: €11k
2022: €35k
2023: €13k
2024: €14k
2021 → 2025
Working capital
€-6k
2024 · €74k
2021: €3k
2022: €32k
2023: €55k
2024: €74k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€49k▲ 258%€62k▲ 26.9%€75k▲ 22.0%€12k▼ 84.7%
Operating result€15k-€46k▲ 209%€18k▼ 60.9%€17k▼ 6.5%€11k▼ 33.7%
Net result€11k-€35k▲ 231%€13k▼ 62.7%€14k▲ 3.7%€9k▼ 37.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 34% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136k
Fixed assets
€17k ▲ 1,417%
Current assets
€119k ▼ 8.1%
Equity and liabilities €136k
Equity
€12k ▼ 84.7%
Debt
€125k ▲ 126%
Debt's share of the balance-sheet total rises from 42.2% to 91.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€12k▼
2024 · €20k
Cash flow
€10k▼
2024 · €17k
Current ratio
0.95▼
2024 · 2.35
Quick ratio
0.93▼
2024 · 2.35
Debt to equity
10.83▲
2024 · 0.73
ROE
73.9%▲
2024 · 18.0%
ROA
6.2%▼
2024 · 10.4%
Interest coverage
64.40▲
2024 · 57.27
Debt ≤ 1 year
€125k▲
2024 · €55k
Income taxes
€2k▼
2024 · €3k
Staff costs
€12k▼
2024 · €12k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€130k€136k▲
Fixed assets21/28€1k€17k▲
Tangible fixed assets22/27€653€17k▲
Plant, machinery and equipment23€439€57▼
Furniture and vehicles24€214€7k▲
Other tangible fixed assets26-€10k
Financial fixed assets28€500€500=
Current assets29/58€129k€119k▼
Stocks and contracts in progress3-€3k
Stocks30/36-€3k
Amounts receivable within one year40/41€62k€86k▲
Trade receivables40€44k€72k▲
Other amounts receivable41€18k€14k▼
Cash at bank and in hand54/58€65k€26k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€130k€136k▲
Equity10/15€75k€12k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€72k€9k▼
Amounts payable17/49€55k€125k▲
Amounts payable within one year42/48€55k€125k▲
Trade debts44€22k€30k▲
Suppliers440/4€22k€30k▲
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€2k€2k▲
Remuneration and social security454/9€4k€3k▼
Other amounts payable47/48€27k€89k▲
Income statement
Code20242025
Remuneration, social security and pensions62€12k€12k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€1k▼
Other operating charges640/8€1k€598▼
Gross operating margin9900€33k€25k▼
Operating profit (loss)9901€17k€11k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€352€192▼
Recurring financial charges65€352€192▼
Profit (loss) for the period before taxes9903€16k€11k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€14k€9k▼
Profit (loss) for the period to be appropriated9905€14k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€72k€81k▲
Profit (loss) brought forward from the previous period14P€59k€72k▲
Profit to be distributed694/7-€72k
Return on contributions (dividend)694-€72k
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €9k ▼37.3%
Net result drops to €9k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €35k ▲231%
Operating result €46k, net result €35k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Les Bons Villers · 1 establishment unit since 2021
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.
Avenue Stassart(MEL) 56211 Les Bons VillersGround area
278 m²
Building footprint
127 m²
Parcel 52046B0414/00L000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Avenue Stassart(MEL) 5, 6211 Les Bons Villers
since 20212.320.964.629
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52046B0414/00L000 | Wallonia | 278 m² | 1 · 127 m² | - |
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
C.S.E. Fontaine Mulnard
BE 0870.767.812
Tournai · Eq €11,490
Servolt
BE 1019.146.930
Londerzeel · Eq €11,489
TECHN - O - THERM
BE 0419.435.522
Liège · Eq €11,531
COOLING PRO
BE 0801.169.619
Zaventem · Eq €11,548
PRIMO SERVICE
BE 0777.415.507
Gent · Eq €11,460
Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 2,728 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
Founded12-02-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.