PICTORUM

Active

Private limited companyfounded 20197 yrs activeLage Vosbergstraat 70, 2840 Rumst, BelgiumKBO/BCE: BE 0731.973.975

PICTORUM has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €180k and a net result of €71k. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 84% of 37976 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2024

98 / 100

Excellent▲ +12 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100▲+67

Solvency100=

Growth52=

Stability100

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €18k at 30 days acceptable

Liquidity ample (current ratio 3.98 against 24.57 in 2023), and 13.4% of the assets are financed with debt.

How do we compute the score and the probability?

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

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

86.6%

Return on assets

34.2%

Age of the figures

20 mo

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

34 d early

2023

6 d early

2022

34 d early

2021

36 d early

2020

2 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€180k▼ 51.3%

2023 · €369k

2020: €154k 2021: €258k 2022: €344k 2023: €369k

2020 → 2024

Total assets

€207k▼ 46.0%

2023 · €384k

2020: €339k 2021: €417k 2022: €480k 2023: €384k

2020 → 2024

Net result

€71k▲ 194%

2023 · €24k

2020: €144k 2021: €104k 2022: €86k 2023: €24k

2020 → 2024

Working capital

€83k▼ 77.3%

2023 · €364k

2020: €152k 2021: €250k 2022: €340k 2023: €364k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€154k-€258k▲ 67.2%€344k▲ 33.3%€369k▲ 7.3%€180k▼ 51.3%

Operating result€219k-€143k▼ 34.6%€116k▼ 18.9%€32k▼ 72.6%€92k▲ 187%

Net result€144k-€104k▼ 28.2%€86k▼ 17.0%€24k▼ 71.9%€71k▲ 194%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2024; 2024 is 187% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €207k

46.8%

53.2%

Fixed assets €97k▲ 1,846%

Current assets €110k▼ 70.9%

Equity and liabilities €207k

86.6%

13.4%

Equity €180k▼ 51.3%

Debt €28k▲ 79.8%

The debt ratio rises from 4.0% to 13.4%: debt grows while equity shrinks.

Key figures and ratios

2024 value · change against 2023

EBITDA

€105k▲

2023 · €35k

Cash flow

€84k▲

2023 · €27k

Solvency

86.6%▼

2023 · 96.0%

Current ratio

3.98▼

2023 · 24.57

Quick ratio

3.98▼

2023 · 24.57

Debt / equity

0.15▲

2023 · 0.04

ROE

39.5%▲

2023 · 6.6%

ROA

34.2%▲

2023 · 6.3%

Interest coverage

455.91▲

2023 · 12.03

Debt

€28k▲

2023 · €15k

Debt ≤ 1 year

€28k▲

2023 · €15k

Income taxes

€20k▲

2023 · €5k

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€384k€207k▼

Fixed assets21/28€5k€97k▲

Tangible fixed assets22/27€5k€97k▲

Land and buildings22-€91k

Plant, machinery and equipment23€2k€2k▼

Furniture and vehicles24€3k€5k▲

Current assets29/58€379k€110k▼

Amounts receivable within one year40/41€130k€33k▼

Trade receivables40€122k€24k▼

Other amounts receivable41€8k€8k▲

Cash at bank and in hand54/58€249k€75k▼

Deferred charges and accrued income490/1€1€2k▲

Equity and liabilities

Total equity and liabilities10/49€384k€207k▼

Equity10/15€369k€180k▼

Contributions10/11€10k€10k=

Reserves13€359k€170k▼

Distributable reserves133€359k€170k▼

Profit (loss) carried forward14-€0

Amounts payable17/49€15k€28k▲

Amounts payable within one year42/48€15k€28k▲

Trade debts44€5k€6k▲

Suppliers440/4€5k€6k▲

Taxes, remuneration and social security45€10k€21k▲

Taxes450/3€9k€21k▲

Remuneration and social security454/9€2k€0▼

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€13k▲

Other operating charges640/8€897€731▼

Gross operating margin9900€36k€106k▲

Operating profit (loss)9901€32k€92k▲

Financial income75/76B€0€0▼

Recurring financial income75€0€0▼

Financial charges65/66B€3k€230▼

Recurring financial charges65€3k€230▼

Profit (loss) for the period before taxes9903€29k€91k▲

Income taxes67/77€5k€20k▲

Profit (loss) for the period9904€24k€71k▲

Profit (loss) for the period to be appropriated9905€24k€71k▲

Appropriation of the result

Profit (loss) to be appropriated9906€25k€71k▲

Profit (loss) brought forward from the previous period14P€772€0▼

Transfer from equity791/2-€260k

Transfer to equity691/2€25k€71k▲

To the legal reserve6920€25k-

To other reserves6921-€71k

Profit to be distributed694/7-€260k

Return on contributions (dividend)694-€260k

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 3Filings 5

2025

27-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

25-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Weakest financial yearnet €24k ▼71.9%

Net result drops to €24k, the lowest in the series; recovery starts the following year.

31-12

Financial Liquidity times 7current ratio 24.57

Current ratio from 3.56 to 24.57; short-term debt falls from €133k to €15k.

27-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

25-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Equity above €200kEq €258k ▲67.2%

2 profitable years in a row build equity to €258k.

29-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

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, Rumst · 1 establishment unit since 2019

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.

Lage Vosbergstraat 702840 Rumst

Ground area

938 m²

Parcel 11037A0455/00A000, Flanders. Linked by address, not a title deed.

1 establishment unit

PICTORUM

Lage Vosbergstraat 70, 2840 RumstReal estate activities

since 20192.292.815.823

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11037A0455/00A000	Flanders	938 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

Beauvechain · Eq €180k

Ottignies-Louvain-la-Neuve · Eq €180k

Of 82,169 companies in sector 70200 we hold annual accounts for 52,388. 40,471 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded08-08-2019

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

85599Other education

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.