PBC Construct
ActiveSummary
The computed 12-month bankruptcy probability of PBC Construct is 2.3% (moderate). The 2024 annual accounts show negative equity (€-774) and a net result of €-2k. Equity is shrinking by ~23.1% per year across the filed fiscal years. Its solvency ranks better than 11% of 6717 sector peers (fiscal year 2024). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
23
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-97
Solvency10▼-35
Growth55▼-17
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.15 against 0.18 in 2023; short-term debt: 115.1% and cash: 8.8% of total assets), and equity is negative.
Credit check 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
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 2024Solvency, return and age of the figures
Solvency
-15.1%
Return on assets
-43.9%
Age of the figures
21 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
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-774
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-05-2025, 69 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
69 d early
2023
296 d late
2022
662 d late
2021
170 d late
2020
219 d late
2019
80 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€7k▲ 1,836%
2022 · €358
2022: €358
2022 → 2023
EBIT margin
23.3%▲ 1005.4pp
2022 · -982.1%
2022: -982.1%
2022 → 2023
Net result
€-2k
2023 · €2k
2018: €-882
2019: €-806
2022: €-4k
2023: €2k
2018 → 2024
Working capital
€-5k▼ 2.8%
2023 · €-5k
2018: €-6k
2019: €-7k
2020: €-7k
2021: €-7k
2022: €-9k
2023: €-5k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€358€7k▲ 1,836%
Equity€3k-€3k=€-131€1k€-774
Operating result€-4k€2k€-2k
Net result€-4k€2k€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €2k after €2k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €5k
Fixed assets
€4k ▼ 33.3%
Current assets
€898 ▼ 13.3%
Key figures and ratios
EBITDA
€0▼
2023 · €4k
Cash flow
€-138▼
2023 · €4k
Solvency
-15.1%▼
2023 · 20.0%
Current ratio
0.15▼
2023 · 0.18
ROA
-43.9%▼
2023 · 21.8%
Interest coverage
0.00▼
2023 · 401.80
Debt
€6k=
2023 · €6k
Debt ≤ 1 year
€6k=
2023 · €6k
Equity ratios withheld: equity of €-774 is too small for a meaningful ratio.
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 · 2024 against 2023 · 36 lines
Balance sheet
Code20232024
Assets
Total assets20/58€7k€5k▼
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€6k€4k▼
Other tangible fixed assets26€6k€4k▼
Current assets29/58€1k€898▼
Amounts receivable within one year40/41€450€450=
Other amounts receivable41€450€450=
Cash at bank and in hand54/58€587€449▼
Equity and liabilities
Total equity and liabilities10/49€7k€5k▼
Equity10/15€1k€-774▼
Contributions10/11€25k€25k=
Capital10€25k-
Issued capital100€25k-
Reserves13€850€850=
Non-distributable reserves130/1€850-
Legal reserve130€850-
Distributable reserves133-€850
Profit (loss) carried forward14€-24k€-26k▼
Amounts payable17/49€6k€6k=
Amounts payable within one year42/48€6k€6k=
Trade debts44€485€485=
Suppliers440/4€485€485=
Other amounts payable47/48€5k€5k=
Income statement
Code20232024
Turnover70€7k-
Goods, raw materials, services and sundry goods60/61€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€623-
Gross operating margin9900€4k-
Operating profit (loss)9901€2k€-2k▼
Financial charges65/66B€9€138▲
Recurring financial charges65€9€138▲
Profit (loss) for the period before taxes9903€2k€-2k▼
Profit (loss) for the period9904€2k€-2k▼
Profit (loss) for the period to be appropriated9905€2k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€-26k▼
Profit (loss) brought forward from the previous period14P€-26k€-24k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 296 days late
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 662 days late
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
17-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 170 days late
2022
31-12
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
07-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 219 days late
2020
19-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 80 days late
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
30-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 152 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
09-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Saint-Georges-sur-Meuse · 1 establishment unit since 2001
Ground area
8,192 m²
Building footprint
369 m²
Volume, LiDAR
1,346 m³
2 parcels, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
PBC CONSTRUCT
since 20012.098.570.353
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62067D0003/08_000 | Wallonia | 7,511 m² | 1 · 229 m² | 7.7 m · 2 fl. |
| 64065A0072/00D000 | Wallonia | 681 m² | 1 · 140 m² | - |
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.
Similar companies · same sector, comparable size
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BE 0776.580.713
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S.W TRANS
BE 0800.966.414
Kraainem · Eq €1,451
FILS DE PAUL
BE 1004.097.379
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SND
BE 0818.371.479
Ath · Eq €1,426
Of 12,590 companies in sector 49410 we hold annual accounts for 8,199. 1,102 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
Founded10-04-2000
Fiscal year end31-12
Activities, NACEBEL 2025
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.