Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of PMG CHARGE is 1.8% (moderate). The 2024 annual accounts show equity of €266k and a net result of €113k. Equity is growing by ~79.7% per year across the filed fiscal years. Its solvency ranks better than 79% of 89 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Signals
3 signals · with evidenceSignals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
2 signalsAdministrative Flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Annual accounts & ratios
Source: NBB · 2024How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 45.4% | 24.9% | |
| Net result | €113k | €38k | |
| Equity | €266k | €146k | |
| Gross operating margin | €475k | €241k | |
| Staff costs | €237k | €170k |
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | €236k |
| Net profit | €113k |
| Cash flow | €174k |
| Staff costs | €237k |
| Income taxes | €49k |
| Dividends | €833 |
| Total assets | €587k |
| Equity | €266k |
| Debt | €321k |
| of which ≤ 1y | €132k |
| of which > 1y | €187k |
| Working capital | €283k |
| Employees (FTE) | 4.9 |
| 2024 | |
|---|---|
| Current ratio | 3.14 |
| Quick ratio | 2.25 |
| Working capital ratio | 48.2% |
| Solvency | 45.4% |
| Debt / equity | 1.20 |
| Long-term debt ratio | 0.70 |
| Interest coverage | 17.51 |
| Gross margin | - |
| Net margin | - |
| ROA | 19.2% |
| ROE | 42.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €587k |
| Fixed assets | 21/28 | €172k |
| Tangible fixed assets | 22/27 | €171k |
| Financial fixed assets | 28 | €510 |
| Current assets | 29/58 | €415k |
| Stocks & contracts in progress | 3 | €118k |
| Amounts receivable within one year | 40/41 | €51k |
| Cash & bank | 54/58 | €128k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €587k |
| Equity | 10/15 | €266k |
| Contributions / capital | 10/11 | €4k |
| Reserves | 13 | €262k |
| Accumulated profits (losses) | 14 | €0 |
| Amounts payable | 17/49 | €321k |
| Amounts payable after one year | 17 | €187k |
| Amounts payable within one year | 42/48 | €132k |
| Trade debts payable within one year | 44 | €34k |
| Income statement | ||
| Gross operating margin | 9900 | €475k |
| Operating result | 9901 | €174k |
| Financial income | 75 | €930 |
| Financial charges | 65 | €13k |
| Result before taxes | 9903 | €162k |
| Income taxes | 67/77 | €49k |
| Net result for the period | 9904 | €113k |
| Result to be appropriated | 9905 | €113k |
Health barometer
FY 2024 · computedUnlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Structure & network
Locations & real estate
Establishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42027A0836/00H000 | Flanders | 1,297 m² | 1 · 141 m² | 6.9 m · 2 fl. |
Publications
Lifecycle & Insolvency Signals
Belgian State Gazette · acts
That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source and are complete.
Analysis
Snowflake analysis
financial profile on 5 axesExceptional profile, strong across almost every axis.
Ask AI about this company
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AI due-diligence brief
Checked AIGenerate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Credit advice
verdict per customer and amountSimilar
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Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameNL | PMG CHARGE |