PDG Gembloux Pneus
ActiveSummary
PDG Gembloux Pneus has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €525k and a net result of €127k. Equity is growing by ~29.4% per year across the filed fiscal years. Its solvency ranks better than 18% of 1037 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-8
Solvency38▼-8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.2 against 1.39 in 2024; short-term debt: 51% and cash: 2.3% of total assets), and 86.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
13.1%
Return on assets
3.2%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 1037 sector peers (2025).
NBB · sector comparisonPosition among 1037 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-09-2026, 32 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 · 8 filingsDeviation from the deadline
2025
32 d late
2024
57 d late
2023
30 d late
2022
121 d late
2021
31 d late
2020
67 d late
2019
86 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, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€127k▲ 27.0%
2024 · €100k
2018: €90k
2019: €176
2020: €-46k
2021: €114k
2022: €47k
2023: €72k
2024: €100k
2018 → 2025
Working capital
€410k▲ 98.5%
2024 · €206k
2018: €22k
2019: €-47k
2020: €-59k
2021: €-31k
2022: €22k
2023: €82k
2024: €206k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€179k-€226k▲ 26.0%€298k▲ 32.1%€398k▲ 33.5%€525k▲ 31.9%
Operating result€157k-€85k▼ 45.6%€127k▲ 49.1%€130k▲ 1.9%€179k▲ 38.3%
Net result€114k-€47k▼ 59.3%€72k▲ 55.7%€100k▲ 37.7%€127k▲ 27.0%
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 €4.01M
Fixed assets
€1.56M ▲ 34.6%
Current assets
€2.45M ▲ 233%
Equity and liabilities €4.01M
Equity
€525k ▲ 31.9%
Debt
€3.48M ▲ 133%
Debt's share of the balance-sheet total rises from 79.0% to 86.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€374k▲
2024 · €281k
Cash flow
€321k▲
2024 · €251k
Current ratio
1.20▼
2024 · 1.39
Quick ratio
0.87▼
2024 · 0.95
Debt to equity
6.64▲
2024 · 3.76
ROE
24.2%▼
2024 · 25.1%
ROA
3.2%▼
2024 · 5.3%
Interest coverage
5.36▼
2024 · 7.90
Debt ≤ 1 year
€2.04M▲
2024 · €531k
Debt > 1 year
€1.44M▲
2024 · €964k
Income taxes
€24k▼
2024 · €29k
Staff costs
€613k▲
2024 · €464k
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€1.89M€4.01M▲
Fixed assets21/28€1.16M€1.56M▲
Intangible fixed assets21€115k€78k▼
Tangible fixed assets22/27€1.04M€1.47M▲
Land and buildings22€811k€1.12M▲
Plant, machinery and equipment23€135k€210k▲
Furniture and vehicles24€92k€144k▲
Financial fixed assets28€2k€2k=
Current assets29/58€737k€2.45M▲
Stocks and contracts in progress3€233k€681k▲
Stocks30/36€233k€681k▲
Amounts receivable within one year40/41€461k€1.68M▲
Trade receivables40€451k€1.67M▲
Other amounts receivable41€10k€13k▲
Current investments50/53€7k-
Cash at bank and in hand54/58€36k€91k▲
Equity and liabilities
Total equity and liabilities10/49€1.89M€4.01M▲
Equity10/15€398k€525k▲
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€376k€503k▲
Amounts payable17/49€1.49M€3.48M▲
Amounts payable after more than one year17€964k€1.44M▲
Financial debts170/4€964k€1.44M▲
Amounts payable within one year42/48€531k€2.04M▲
Current portion of amounts payable after more than one year42€120k€141k▲
Financial debts43-€375k
Credit institutions430/8-€375k
Trade debts44€332k€1.39M▲
Suppliers440/4€332k€1.39M▲
Taxes, remuneration and social security45€79k€134k▲
Taxes450/3€62k€131k▲
Remuneration and social security454/9€17k€4k▼
Other amounts payable47/48-€5k
Income statement
Code20242025
Remuneration, social security and pensions62€464k€613k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€151k€195k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€115€0▼
Other operating charges640/8€12k€29k▲
Non-recurring operating charges66A€6k-
Gross operating margin9900€763k€1.02M▲
Operating profit (loss)9901€130k€179k▲
Financial income75/76B€35k€42k▲
Recurring financial income75€35k€42k▲
Financial charges65/66B€36k€70k▲
Recurring financial charges65€36k€70k▲
Profit (loss) for the period before taxes9903€129k€151k▲
Income taxes67/77€29k€24k▼
Profit (loss) for the period9904€100k€127k▲
Profit (loss) for the period to be appropriated9905€100k€127k▲
Appropriation of the result
Profit (loss) to be appropriated9906€376k€503k▲
Profit (loss) brought forward from the previous period14P€276k€376k▲
Social balance
Average headcount (FTE)90878.810.0▲
The notes to these accounts (18 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
01-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 32 days late
2025
31-12
Financial
Highest result since 2018net €127k ▲27%
Operating result €179k, net result €127k, both a record.
31-12
Financial
Equity above €500kEq €525k ▲31.9%
5 profitable years in a row build equity to €525k.
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 57 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 121 days late
2022
31-12
Financial
Equity above €200kEq €226k ▲26%
2 profitable years in a row build equity to €226k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Back to profitnet €114k
Net result €114k after one loss-making year.
31-12
Financial
Equity above €150kEq €179k ▲177%
Equity rises from €65k to €179k.
06-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 67 days late
2020
31-12
Financial
Weakest financial yearnet €-46k ▼26101%
Net result drops to €-46k, the lowest in the series; recovery starts the following year.
25-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 86 days late
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 19 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, Gembloux · 1 establishment unit since 2017
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.
Chaussée Romaine,Ernage 795030 GemblouxGround area
1.3 ha
Building footprint
32 m²
Parcel 92252B0171/00P000, Wallonia. Linked by address, not a title deed.
1 establishment unit
PDG Gembloux Pneus
since 20172.268.544.245
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92252B0171/00P000 | Wallonia | 1.3 ha | 1 · 32 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
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BE 0899.987.081
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AUTO-AXEL
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NINALIPA
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PNEUS LEJEUNE
BE 0885.905.552
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Of 1,000 companies in sector 95315 we hold annual accounts for 427. 256 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
Founded22-09-2017
Fiscal year end31-12
Activities, NACEBEL 2025
95315Tyre services
47820Retail sale of motor vehicle parts and accessories
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.