PB & A
ActiveSummary
PB & A has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.25M and a net result of €134k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 70% of 2008 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-21
Solvency90▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 2.4 against 2.44 in 2024; short-term debt: 34% and cash: 21.8% of total assets), and 35.5% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
64.5%
Return on assets
6.9%
Age of the figures
9 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
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
34 d early
2023
15 d early
2022
14 d early
2021
11 d early
2020
88 d late
2019
43 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, abbreviated schema
Equity
€1.25M▲ 1.3%
2024 · €1.23M
2019: €1.15M
2019: €1.27M
2020: €1.29M
2021: €1.20M
2022: €1.21M
2023: €1.21M
2024: €1.23M
2019 → 2025
Total assets
€1.93M▲ 3.4%
2024 · €1.87M
2019: €1.98M
2019: €1.72M
2020: €2.01M
2021: €2.52M
2022: €2.03M
2023: €2.39M
2024: €1.87M
2019 → 2025
Net result
€134k▼ 69.0%
2024 · €432k
2019: €703k
2019: €388k
2020: €425k
2021: €685k
2022: €617k
2023: €572k
2024: €432k
2019 → 2025
Working capital
€923k▲ 0.8%
2024 · €915k
2019: €1.06M
2019: €1.16M
2020: €1.18M
2021: €1.09M
2022: €1.14M
2023: €1.28M
2024: €915k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.20M-€1.21M▲ 0.6%€1.21M▲ 0.1%€1.23M▲ 2.2%€1.25M▲ 1.3%
Operating result€904k-€814k▼ 10.0%€750k▼ 7.8%€554k▼ 26.2%€186k▼ 66.3%
Net result€685k-€617k▼ 10.0%€572k▼ 7.3%€432k▼ 24.4%€134k▼ 69.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 66% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.93M
Fixed assets
€354k ▲ 11.3%
Current assets
€1.58M ▲ 1.8%
Equity and liabilities €1.93M
Equity
€1.25M ▲ 1.3%
Debt
€686k ▲ 7.6%
Debt's share of the balance-sheet total rises from 34.1% to 35.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€214k▼
2024 · €589k
Cash flow
€162k▼
2024 · €467k
Current ratio
2.40▼
2024 · 2.44
Debt to equity
0.55▲
2024 · 0.52
ROE
10.7%▼
2024 · 35.1%
ROA
6.9%▼
2024 · 23.1%
Interest coverage
19.96▼
2024 · 271.61
Debt ≤ 1 year
€658k▲
2024 · €638k
Income taxes
€47k▼
2024 · €131k
Staff costs
€477k▼
2024 · €534k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.87M€1.93M▲
Fixed assets21/28€318k€354k▲
Tangible fixed assets22/27€76k€53k▼
Plant, machinery and equipment23€6k€6k▲
Furniture and vehicles24€65k€41k▼
Other tangible fixed assets26€5k€5k=
Financial fixed assets28€242k€301k▲
Current assets29/58€1.55M€1.58M▲
Amounts receivable after more than one year29€103k€95k▼
Trade receivables290€99k€90k▼
Other amounts receivable291€4k€4k=
Amounts receivable within one year40/41€718k€1.06M▲
Trade receivables40€695k€950k▲
Other amounts receivable41€23k€105k▲
Cash at bank and in hand54/58€724k€422k▼
Deferred charges and accrued income490/1€9k€9k▲
Equity and liabilities
Total equity and liabilities10/49€1.87M€1.93M▲
Equity10/15€1.23M€1.25M▲
Contributions10/11€60k€60k=
Reserves13€1.17M€1.19M▲
Distributable reserves133€1.17M€1.19M▲
Amounts payable17/49€638k€686k▲
Amounts payable within one year42/48€638k€658k▲
Trade debts44€169k€352k▲
Suppliers440/4€169k€352k▲
Advances received on contracts in progress46€272-
Taxes, remuneration and social security45€55k€180k▲
Taxes450/3€7k€126k▲
Remuneration and social security454/9€47k€54k▲
Other amounts payable47/48€414k€126k▼
Accrued charges and deferred income492/3-€28k
Income statement
Code20242025
Non-recurring operating income76A€24k-
Remuneration, social security and pensions62€534k€477k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€27k▼
Other operating charges640/8€1k€3k▲
Non-recurring operating charges66A€7k-
Gross operating margin9900€1.13M€694k▼
Operating profit (loss)9901€554k€186k▼
Financial income75/76B€12k€5k▼
Recurring financial income75€12k€5k▼
Financial charges65/66B€2k€11k▲
Recurring financial charges65€2k€11k▲
Profit (loss) for the period before taxes9903€563k€181k▼
Income taxes67/77€131k€47k▼
Profit (loss) for the period9904€432k€134k▼
Profit (loss) for the period to be appropriated9905€432k€134k▼
Appropriation of the result
Profit (loss) to be appropriated9906€432k€134k▼
Transfer to equity691/2€26k€16k▼
To the legal reserve6920-€16k
To other reserves6921€26k-
Profit to be distributed694/7€406k€118k▼
Return on contributions (dividend)694€350k€100k▼
Directors or managers695€56k€18k▼
Social balance
Average headcount (FTE)90877.96.2▼
The notes to these accounts (7 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €134k ▼69%
Net result drops to €134k, the lowest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 88 days late
2020
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
07-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
08-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
13-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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 2008
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.
Monnikenwerve 17-198000 BruggeGround area
4,736 m²
Building footprint
1,212 m²
Volume, LiDAR
10,816 m³
Parcel 31808K0324/00E002, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PB & A
since 20082.172.295.796
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31808K0324/00E002 | Flanders | 4,736 m² | 1 · 1,212 m² | 11.5 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,913 EUR awarded · 1,913 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 385 EUR | 385 EUR |
| 2024 | 1 | 110 EUR | 110 EUR |
| 2023 | 1 | 495 EUR | 495 EUR |
| 2022 | 1 | 923 EUR | 923 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 2,435 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
Founded04-07-2008
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.