PDF GROUP
ActiveThe computed 12-month bankruptcy probability of PDF GROUP is 2.6% (moderate). The 2024 annual accounts show equity of €14k and a net result of €6k. Equity is growing by ~96.6% per year across the filed fiscal years. Its solvency ranks better than 21% of 36375 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability60▼-14
Solvency44▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.24 against 1.22 in 2023; short-term debt: 80.6% and cash: 0.5% of total assets), and 80.6% 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.
+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 →
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
19.4%
Return on assets
9%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 36375 sector peers (2024).
NBB · sector comparisonPosition among 36375 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-10-2025, 80 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
80 d late
2023
441 d late
2022
274 d late
2021
166 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€14k▲ 86.8%
2023 · €7k
2021: €2k
2022: €4k
2023: €7k
2021 → 2024
Total assets
€71k▲ 75.8%
2023 · €40k
2021: €2k
2022: €37k
2023: €40k
2021 → 2024
Net result
€6k▲ 9.9%
2023 · €6k
2021: €2k
2022: €4k
2023: €6k
2021 → 2024
Working capital
€14k▲ 86.8%
2023 · €7k
2021: €2k
2022: €4k
2023: €7k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€2k-€4k▲ 180%€7k▲ 69.9%€14k▲ 86.8%
Operating result€2k-€5k▲ 173%€9k▲ 64.9%€9k▼ 3.1%
Net result€2k-€4k▲ 180%€6k▲ 34.2%€6k▲ 9.9%
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 2024; 2024 is 3% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €71k
Equity
€14k▲ 86.8%
Debt
€57k▲ 73.3%
The debt ratio falls from 81.7% to 80.6%. Equity and debt are higher.
Key figures and ratios
Solvency
19.4%▲
2023 · 18.3%
Current ratio
1.24▲
2023 · 1.22
Quick ratio
1.24▲
2023 · 1.22
Debt / equity
4.15▼
2023 · 4.47
ROE
46.5%▼
2023 · 79.0%
ROA
9.0%▼
2023 · 14.4%
Debt
€57k▲
2023 · €33k
Debt ≤ 1 year
€57k▲
2023 · €33k
Income taxes
€2k▼
2023 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€40k€71k▲
Current assets29/58€40k€71k▲
Amounts receivable within one year40/41€40k€71k▲
Trade receivables40€31k€70k▲
Other amounts receivable41€9k€454▼
Cash at bank and in hand54/58€192€326▲
Equity and liabilities
Total equity and liabilities10/49€40k€71k▲
Equity10/15€7k€14k▲
Profit (loss) carried forward14€7k€14k▲
Amounts payable17/49€33k€57k▲
Amounts payable within one year42/48€33k€57k▲
Trade debts44€2k€26k▲
Suppliers440/4€2k€26k▲
Advances received on contracts in progress46-€25k
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€4k€6k▲
Other amounts payable47/48€28k€559▼
Income statement
Code20232024
Other operating charges640/8€162€385▲
Gross operating margin9900€9k€9k▼
Operating profit (loss)9901€9k€9k▼
Financial charges65/66B€126€212▲
Recurring financial charges65€126€44▼
Non-recurring financial charges66B-€168
Profit (loss) for the period before taxes9903€9k€9k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€6k€6k▲
Profit (loss) for the period to be appropriated9905€6k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€14k▲
Profit (loss) brought forward from the previous period14P€2k€7k▲
Timeline · acts, filings and financial milestones
2025
19-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 80 days late
15-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 441 days late
2024
31-12
Financial
Highest result since 2021net €6k ▲9.9%
Net result €6k, the highest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 274 days late
2023
13-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 166 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Grimbergen · 1 establishment unit since 2020
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.
Romeinsesteenweg 6401853 GrimbergenGround area
125 m²
Building footprint
125 m²
Volume, LiDAR
598 m³
Parcel 23084B0071/00Z005, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PDF GROUP
since 20202.322.797.236
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23084B0071/00Z005 | Flanders | 125 m² | 1 · 125 m² | 7.4 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.
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BE 1016.104.001
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BE 0778.353.041
Staden · Eq €14k
ROMAR-CONSTRUCT
BE 0790.395.095
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BKA Construct
BE 0697.647.556
Sint-Jans-Molenbeek · Eq €14k
XYKO
BE 0460.753.859
Sint-Agatha-Berchem · Eq €14k
Of 15,542 companies in sector 43990 we hold annual accounts for 7,421. 4,673 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-07-2020
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.