Summary
Conclusion
the dossier summarised in one paragraphA bankruptcy procedure is open for PRISMES according to publications in the Belgian State Gazette. The file additionally contains 1 administrative flag. The 2023 annual accounts show negative equity (€-1.58M) and a net result of €-812k.
Based on the State Gazette, CBE and 6 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneBankruptcy opened
A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.
Insolvency timeline
2 events25-07-2025
KBO administration
Address struck
07-05-2025
Bankruptcy
Opening
Signals
1 signal · with evidenceNegative equity
Equity is negative for financial year 2023: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideFiling behaviour not assessed
The register records an open bankruptcy. From that point the trustee files and the ordinary seven-month rhythm no longer governs. The register carries no start date, so we cannot tell which filings fall before it: we show the facts and do not assess the behaviour.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 30-09. 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 30-09-2023, that is 30-04-2024.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-09-2025 | 30-04-2026 | nothing on record | not filed | - |
| 30-09-2024 | 30-04-2025 | nothing on record | not filed | - |
| 30-09-2023 | 30-04-2024 | 04-02-2025 | 280 d late | 2025-00027941 |
| 30-09-2022 | 30-04-2023 | 10-05-2023 | 10 d late | 2023-00086289 |
| 30-09-2021 | 30-04-2022 | 28-06-2022 | 59 d late | 2022-20109372 |
| 30-09-2020 | 30-04-2021 | 25-03-2021 | 36 d early | 2021-08400366 |
| 30-09-2019 | 30-04-2020 | 15-04-2020 | 15 d early | 2020-09100485 |
| 30-09-2018 | 30-04-2019 | 05-03-2019 | 56 d early | 2019-06500507 |
| 30-09-2017 | 30-04-2018 | 27-04-2018 | 3 d early | 2018-11200161 |
| 30-09-2016 | 30-04-2017 | 18-04-2017 | 12 d early | 2017-09600023 |
| 30-09-2015 | 30-04-2016 | 09-03-2016 | 52 d early | 2016-06200110 |
| 30-09-2014 | 30-04-2015 | 26-03-2015 | 35 d early | 2015-07600511 |
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 signalsRegister: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags
1 eventAddress struck
Financials
Turnover€314k
EBIT margin-52.4%
Net result€-812k-344.5%
Working capital€-1.39M-154.5%
Directors1
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 04-02-2025 with the NBB · fiscal year 2023 · volledig
Sector comparison
Fiscal year 2023 · NACE 82 · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -57.6% | 32.1% | |
| Net result | €-812k | €12k | |
| Equity | €-1.58M | €84k | |
| Gross operating margin | €-213k | €57k | |
| Staff costs | €30k | €155k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P5
Stable position over 2020-2023
· n=97-191
P5
Stable position over 2020-2023
· n=96-189
P5
Stable position over 2020-2023
· n=97-191
P5
Stable position over 2020-2023
· n=72-144
Describes the position versus peers, not a forecast.
€314k
-
18-23
€-733k
-323.1%
18-23
€-812k
-344.5%
18-23
€-810k
-353.9%
18-23
€2.74M
-9.0%
18-23
€-1.58M
-106.3%
18-23
€-1.39M
-154.5%
18-23
1
0.0%
18-23
€30k
+8.3%
18-23
€0
-100.0%
18-23
€4.31M
+14.4%
18-23
€3.94M
+16.9%
18-23
€0
-100.0%
18-23
0.65
-22.7%
18-23
0.63
+8.4%
18-23
-57.6%
-126.6%
18-23
-2.74
+44.5%
18-23
51.5%
+115.5%
18-23
-29.7%
-388.3%
18-23
-1888.8%
-
18-23
-48.7%
-
18-23
-4.37
-134.8%
18-23
Figures by fiscal year
| Fiscal year | 2023 |
|---|---|
| Deposit | volledig |
| Revenue | - |
| EBITDA | €-733k |
| Net profit | €-812k |
| Cash flow | €-810k |
| Staff costs | €30k |
| Income taxes | - |
| Dividends | - |
| Total assets | €2.74M |
| Equity | €-1.58M |
| Debt | €4.31M |
| of which ≤ 1y | €3.94M |
| of which > 1y | - |
| Working capital | €-1.39M |
| Employees (FTE) | 0.5 |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 0.65 |
| Quick ratio | 0.63 |
| Working capital ratio | -50.7% |
| Solvency | -57.6% |
| Debt / equity | -2.74 |
| Long-term debt ratio | - |
| Interest coverage | -4.37 |
| Gross margin | - |
| Net margin | - |
| ROA | -29.7% |
| ROE | 51.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €2.74M |
| Fixed assets | 21/28 | €184k |
| Tangible fixed assets | 22/27 | €99k |
| Financial fixed assets | 28 | €85k |
| Current assets | 29/58 | €2.55M |
| Stocks & contracts in progress | 3 | €77k |
| Amounts receivable within one year | 40/41 | €2.42M |
| Cash & bank | 54/58 | €55k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €2.74M |
| Equity | 10/15 | €-1.58M |
| Contributions / capital | 10/11 | €2.00M |
| Reserves | 13 | €3.41M |
| Accumulated profits (losses) | 14 | €-6.99M |
| Amounts payable | 17/49 | €4.31M |
| Amounts payable within one year | 42/48 | €3.94M |
| Trade debts payable within one year | 44 | €684k |
| Income statement | ||
| Gross operating margin | 9900 | €-213k |
| Operating result | 9901 | €-735k |
| Financial income | 75 | €91k |
| Financial charges | 65 | €168k |
| Result before taxes | 9903 | €-812k |
| Net result for the period | 9904 | €-812k |
| Result to be appropriated | 9905 | €-812k |
You are seeing the latest fiscal year only. 4 prior years (figures + ratios) are in a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2023 · computed0
/ 100
Critical
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.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2023 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.
Directors
Directors & mandates
Not yet read from the acts
10 acts for this company are in the Belgian State Gazette, of which we have read 0. This is therefore not a statement about the company: we have not extracted its directors from those acts yet.
Insolvency mandates
1 mandate| Role | Name | Tenure | Source |
|---|---|---|---|
| Curator | RUTGER BELSACK MARKT 17, 1740 TERNAT- |
29-04-2025 → present | Belgian State Gazette |
Legal Structure
| NACE primary | Overige zakelijke dienstverlening, neg(82990) |
| Legal form | Public limited company(014) |
| Incorporation | 19-07-2000 |
| Status | Active |
| Postal code | - |
| First BS signal | 07-05-2025 |
| Latest BS signal | 07-05-2025 |
Structure & network
Ownership & control
No ownership or control structure found in the sources.
For this we read shareholding and parent/subsidiary relations from the acts in the Belgian State Gazette, plus the board seats that legal entities hold in one another. Nothing of the sort is published for this company, which is common: most Belgian companies do not publish a shareholding structure.
1 court or liquidation mandate is on record for this company. Such a mandate is a fact about the company itself, not about a tie to another one: two bankruptcies handled by the same receiver are two separate cases. They are listed under Directors & mandates.
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Establishment units
2 locationsEstablishment
since 20022.131.711.095
KDS Logistic
since 20222.331.339.174
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area9,920 m²
Buildings2
Building footprint2,636 m²
Volume (LiDAR)48,993 m³
Tallest building38.1 m · ±7 fl.
Real-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.
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25034A0084/00A000 | Wallonia | 6,391 m² | 1 · 758 m² | 9.1 m · 2 fl. |
| 21822R0226/00W011 | Brussels | 3,529 m² | 1 · 1,878 m² | 38.1 m · 7 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
2 events from the State Gazette25-07-2025
KBO administration
Address struck
07-05-2025
Bankruptcy
Opening
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad · acts
1 acts Address history · 1
07-04-2023
Registered-office move
All acts · 1
updated 3 years ago
2023
07-04-2023 Registered office moved from Ixelles to Bruxelles
- Avenue Louise 544 - 1050 Ixelles → Avenue Louise 523 à 1050 Bruxelles
Analysis
Snowflake analysis
financial profile on 5 axes39
/ 100
Fragile profile, watch health in particular.
All 5 axes are computed from data Checked has read.
Health
0
Profitability
100
Solvency
37
Growth
58
Stability
0
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 2,996 of the 24,486 companies in this sector. 475 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990Handelsbemiddeling in auto's en lichte bestelwagens (= 3,5 ton)45112Handelsbemiddeling in de groothandel in andere specifieke goederen46180Groothandel in wijnen en geestrijke dranken46341Groothandel in wijnen en geestrijke dranken46341Groothandel in dranken, algemeen assortiment46349Groothandel in dranken, algemeen assortiment46349Detailhandel in wijnen en geestrijke dranken in gespecialiseerde winkels47251Detailhandel in wijnen en geestrijke dranken47251Detailhandel in dranken in gespecialiseerde winkels, algemeen assortiment47252Detailhandel in dranken, algemeen assortiment47252Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201
Primary activity highlighted.
Names & trade names
| Legal nameFR | PRISMES |
Registration history
- 13-07-2025 Address struck
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.