P.M.E. Services et Consultants
ActiveSummary
P.M.E. Services et Consultants has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €160k and a net result of €91k. Equity is shrinking by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 58% of 1004 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+4
Solvency67▼-8
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 2.95 in 2024; short-term debt: 42.2% and cash: 52.8% of total assets), but 58.2% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
41.8%
Return on assets
23.7%
Age of the figures
9 mo
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
57 d late
2021
29 d late
2020
61 d late
2019
59 d late
← 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€91k▲ 42.6%
2024 · €64k
2018: €21k
2019: €35k
2020: €31k
2021: €55k
2022: €40k
2023: €50k
2024: €64k
2018 → 2025
Working capital
€163k▼ 2.1%
2024 · €166k
2018: €373k
2019: €275k
2020: €116k
2021: €164k
2022: €109k
2023: €153k
2024: €166k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€138k-€122k▼ 11.2%€143k▲ 17.0%€161k▲ 12.3%€160k▼ 0.5%
Operating result€79k-€56k▼ 28.7%€74k▲ 32.0%€93k▲ 25.2%€128k▲ 37.8%
Net result€55k-€40k▼ 27.7%€50k▲ 25.9%€64k▲ 27.8%€91k▲ 42.6%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 38% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €382k
Fixed assets
€58k ▼ 16.2%
Current assets
€324k ▲ 28.8%
Equity and liabilities €382k
Equity
€160k ▼ 0.5%
Provisions
€30k =
Debt
€192k ▲ 47.7%
Debt's share of the balance-sheet total rises from 40.6% to 50.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€146k▲
2024 · €110k
Cash flow
€109k▲
2024 · €81k
Current ratio
2.01▼
2024 · 2.95
Debt to equity
1.20▲
2024 · 0.81
ROE
56.7%▲
2024 · 39.6%
ROA
23.7%▲
2024 · 19.8%
Interest coverage
50.67▲
2024 · 31.83
Debt ≤ 1 year
€161k▲
2024 · €85k
Debt > 1 year
€30k▼
2024 · €44k
Income taxes
€34k▲
2024 · €26k
Staff costs
€80k▼
2024 · €96k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€321k€382k▲
Fixed assets21/28€69k€58k▼
Tangible fixed assets22/27€69k€58k▼
Land and buildings22€3k€1k▼
Plant, machinery and equipment23€16k€12k▼
Furniture and vehicles24€50k€44k▼
Financial fixed assets28€358€358=
Current assets29/58€252k€324k▲
Amounts receivable within one year40/41€129k€122k▼
Trade receivables40€124k€115k▼
Other amounts receivable41€6k€7k▲
Cash at bank and in hand54/58€121k€202k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€321k€382k▲
Equity10/15€161k€160k▼
Contributions10/11€65k€65k=
Capital10€65k€65k=
Issued capital100€65k€65k=
Reserves13€5k€5k=
Non-distributable reserves130/1€5k€5k=
Legal reserve130€5k€5k=
Profit (loss) carried forward14€90k€90k▼
Provisions and deferred taxes16€30k€30k=
Provisions for liabilities and charges160/5€30k€30k=
Pensions and similar obligations160€30k€30k=
Amounts payable17/49€130k€192k▲
Amounts payable after more than one year17€44k€30k▼
Financial debts170/4€44k€30k▼
Amounts payable within one year42/48€85k€161k▲
Current portion of amounts payable after more than one year42€37k€48k▲
Trade debts44€7k€8k▲
Suppliers440/4€7k€8k▲
Taxes, remuneration and social security45€41k€44k▲
Taxes450/3€31k€29k▼
Remuneration and social security454/9€10k€15k▲
Other amounts payable47/48€631€61k▲
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Remuneration, social security and pensions62€96k€80k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€18k▲
Other operating charges640/8€938€1k▲
Non-recurring operating charges66A€75-
Gross operating margin9900€207k€227k▲
Operating profit (loss)9901€93k€128k▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€3k▼
Non-recurring financial charges66B-€630
Profit (loss) for the period before taxes9903€89k€124k▲
Income taxes67/77€26k€34k▲
Profit (loss) for the period9904€64k€91k▲
Profit (loss) for the period to be appropriated9905€64k€91k▲
Appropriation of the result
Profit (loss) to be appropriated9906€136k€181k▲
Profit (loss) brought forward from the previous period14P€73k€90k▲
Profit to be distributed694/7€46k€92k▲
Return on contributions (dividend)694€46k€92k▲
Social balance
Average headcount (FTE)90872.72.1▼
The notes to these accounts (11 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 · full schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €91k ▲42.6%
Operating result €128k, net result €91k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Equity above €150kEq €161k ▲12.3%
7 profitable years in a row build equity to €161k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 57 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 3.00
Current ratio from 1.43 to 3.00; short-term debt falls from €272k to €82k.
31-12
Financial
Equity above €100kEq €138k ▲65.7%
4 profitable years in a row build equity to €138k.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 59 days late
2019
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 56 days late
2018
20-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 51 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Manage · 1 establishment unit since 1989
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.
Grand'Rue 657170 ManageGround area
51 m²
Building footprint
51 m²
Parcel 52043F0377/00C004, Wallonia. Linked by address, not a title deed.
1 establishment unit
Grand'Rue 65, 7170 Manage
since 19892.041.818.920
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52043F0377/00C004 | Wallonia | 51 m² | 1 · 51 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.
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,514 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 formPublic limited company
Founded06-01-1989
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.