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PMG-IMMO

Active
Rue du Colâ (STA) 119 ·7973 Beloeil, Belgium
KBO/BCE: BE 0894.185.392
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Age18 yrs
Real estate1 parcel · 702 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of PMG-IMMO is 0.7% (low). The 2021 annual accounts show negative equity (€-55k) and a net result of €-102. Equity is shrinking by ~7% per year across the filed fiscal years. Its solvency ranks better than 5% of 3465 sector peers (fiscal year 2021). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.7% Low
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +Lower-failure-rate sector −Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

Insufficient current data: the most recent filed accounts (financial year 2021) are too old to derive current signals.

Filing behaviour

From the deposit records, complete market-wide
Annual accounts not filed
The financial year that closed on 31-12-2022 was due at the National Bank by 31-07-2023. Nothing is on record today, 1108 days later. 4 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Filed after the deadline
The financial year that closed on 31-12-2021 was due by 31-07-2022 and was filed on 28-08-2022, 28 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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2021, that is 31-07-2022.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 nothing on record not filed -
31-12-2023 31-07-2024 nothing on record not filed -
31-12-2022 31-07-2023 nothing on record not filed -
31-12-2021 31-07-2022 28-08-2022 28 d late 2022-20355910
31-12-2020 31-07-2021 28-08-2021 28 d late 2021-57500214
31-12-2018 31-07-2019 30-08-2019 30 d late 2019-60700302
31-12-2016 31-07-2017 31-08-2017 31 d late 2017-57800222
31-12-2015 31-07-2016 29-08-2016 29 d late 2016-51000275
31-12-2014 31-07-2015 30-08-2015 30 d late 2015-52800104
31-12-2013 31-07-2014 31-08-2014 31 d late 2014-56100260
31-12-2012 31-07-2013 31-08-2013 31 d late 2013-54400559

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Established
Founded in 2007, 18 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-102+99.8%
Working capital€-49k-14.6%

Annual accounts & ratios

Source: NBB · 2021
Annual accounts filed on 28-08-2022 with the NBB · fiscal year 2021 · micro
€-80k€-60k€-40k€-20k€0Operating result 2018: €-12k€-12kNet result 2018: €-51k€-51kOperating result 2020: €-8k€-8kNet result 2020: €-62k€-62kOperating result 2021: €476€476Net result 2021: €-102€-102201820202021
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~7%/year over 3 fiscal years, indicative, assuming unchanged policy.
€-80k€-70k€-60k€-50k€-40k2022: €-58k (€-63k - €-54k)2023: €-62k (€-66k - €-58k)2024: €-66k (€-70k - €-62k)2018: €-43k2020: €-54k2021: €-55k201820202021202220232024
Solid line = filed figures · dashed = extended trend · area = indicative range.
How 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).

Sector comparison
Fiscal year 2021 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -193.1% 52.0%
better than 5% of 3465 sector peers
Net result €-102 €20k
better than 18% of 3464 sector peers
Equity €-55k €37k
better than 5% of 3470 sector peers
Gross operating margin €3k €36k
better than 15% of 3455 sector peers
Total assets €28k €87k
better than 16% of 3465 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€3k
- 18-21
Net profit
€-102
+99.8% 18-21
Cash flow
€2k
- 18-21
Total assets
€28k
-68.0% 18-21
Equity
€-55k
-0.2% 18-21
Working capital
€-49k
-14.6% 18-21
Debt
€83k
-41.9% 18-21
Debt ≤ 1y
€69k
-46.5% 18-21
Debt > 1y
€14k
0.0% 18-21
Current ratio
0.29
-56.6% 18-21
Quick ratio
0.29
-56.6% 18-21
Solvency
-193.1%
-212.7% 18-21
Debt / equity
-1.52
-491.2% 18-21
ROE
0.2%
-99.8% 18-21
ROA
-0.4%
+99.5% 18-21
Interest coverage
4.35
- 18-21
Figures by fiscal year
Fiscal year2021
Depositmicro
Revenue-
EBITDA€3k
Net profit€-102
Cash flow€2k
Staff costs-
Income taxes-
Dividends-
Total assets€28k
Equity€-55k
Debt€83k
of which ≤ 1y€69k
of which > 1y€14k
Working capital€-49k
Employees (FTE)-
Ratios (computed)
2021
Current ratio0.29
Quick ratio0.29
Working capital ratio-173.0%
Solvency-193.1%
Debt / equity-1.52
Long-term debt ratio-0.26
Interest coverage4.35
Gross margin-
Net margin-
ROA-0.4%
ROE0.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2021
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2021
Balance sheet, Assets
TOTAL ASSETS 20/58€28k
Fixed assets 21/28€8k
Tangible fixed assets 22/27€6k
Financial fixed assets 28€2k
Current assets 29/58€20k
Amounts receivable within one year 40/41€19k
Investments 50/53€331
Cash & bank 54/58€947
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€28k
Equity 10/15€-55k
Contributions / capital 10/11€6k
Reserves 13€2k
Accumulated profits (losses) 14€-63k
Amounts payable 17/49€83k
Amounts payable after one year 17€14k
Amounts payable within one year 42/48€69k
Trade debts payable within one year 44€2k
Income statement
Gross operating margin 9900€3k
Operating result 9901€476
Financial charges 65€578
Result before taxes 9903€-102
Net result for the period 9904€-102
Result to be appropriated 9905€-102
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2021 · computed
26 / 100 Weak
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2021. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Rue du Colâ (STA) 1197973 Beloeil

Establishment units

1 location
PMG-IMMO
Rue du Colâ (STA) 119, 7973 BeloeilVervaardiging van liften, goederenliften, roltrappen en rolpaden
since 20082.168.544.767
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area702 m²
Buildings1
Building footprint125 m²
Volume (LiDAR)681 m³
Tallest building7.8 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
51054B0636/00M002 Wallonia 702 m² 1 · 124 m² 7.8 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

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; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health26Profitability1Solvency33Growth58Stability100
44 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 26
Profitability 1
Solvency 33
Growth 58
Stability 100

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AI due-diligence brief

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Credit advice

verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 15,318 of the 81,985 companies in this sector. 344 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Bemiddeling in verband met exploitatie van en handel in onroerend goed68310Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis68311Landmeters71122Activiteiten van landmeters-experts71122
Primary activity highlighted.
Names & trade names
Legal nameFR PMG-IMMO
Registered office
Rue du Colâ (STA) 119
7973 Beloeil, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.