PROEF
ActiveThe annual accounts of PROEF for fiscal year 2025 show a net loss of 75% of the equity at the start of that year. The 2025 annual accounts show equity of €1k and a net result of €-4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 15% of 7027 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
31
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▲+10
Solvency29▼-19
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.96 against 1.15 in 2024; short-term debt: 96.4% and cash: 0.9% of total assets), and 96.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
3.6%
Return on assets
-11%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-4k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 7027 sector peers (2025).
NBB · sector comparisonPosition among 7027 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
4 d early
2024
on the day
2023
12 d early
2022
33 d early
2021
18 d early
2020
on the day
2019
105 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1k▼ 75.5%
2024 · €5k
2018: €11k
2019: €8k
2020: €12k
2021: €15k
2022: €19k
2023: €17k
2024: €5k
2018 → 2025
Total assets
€34k▲ 59.6%
2024 · €21k
2018: €21k
2019: €11k
2020: €27k
2021: €31k
2022: €59k
2023: €41k
2024: €21k
2018 → 2025
Net result
€-4k▲ 67.8%
2024 · €-12k
2018: €-1k
2019: €-3k
2020: €4k
2021: €4k
2022: €5k
2023: €-2k
2024: €-12k
2018 → 2025
Working capital
€-1k
2024 · €2k
2018: €6k
2019: €5k
2020: €10k
2021: €13k
2022: €16k
2023: €14k
2024: €2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€19k▲ 23.3%€17k▼ 11.9%€5k▼ 70.1%€1k▼ 75.5%
Operating result€5k-€7k▲ 32.7%€-2k€-11k▼ 465%€-3k▲ 70.4%
Net result€4k-€5k▲ 33.7%€-2k€-12k▼ 418%€-4k▲ 67.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €11k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34k
Fixed assets
€3k=
Current assets
€32k▲ 67.5%
Equity and liabilities €34k
Equity
€1k▼ 75.5%
Debt
€33k▲ 101%
The debt ratio rises from 76.7% to 96.4%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
3.6%▼
2024 · 23.3%
Current ratio
0.96▼
2024 · 1.15
Quick ratio
0.96▼
2024 · 1.15
Debt / equity
26.88▲
2024 · 3.29
ROE
-307.5%▼
2024 · -234.4%
ROA
-11.0%▲
2024 · -54.7%
Debt
€33k▲
2024 · €16k
Debt ≤ 1 year
€33k▲
2024 · €16k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€21k€34k▲
Fixed assets21/28€3k€3k=
Financial fixed assets28€3k€3k=
Current assets29/58€19k€32k▲
Amounts receivable within one year40/41€19k€31k▲
Trade receivables40€18k€31k▲
Other amounts receivable41€1k€0▼
Cash at bank and in hand54/58€0€305▲
Deferred charges and accrued income490/1€13€289▲
Equity and liabilities
Total equity and liabilities10/49€21k€34k▲
Equity10/15€5k€1k▼
Contributions10/11€12k€12k=
Reserves13€6k€6k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€-14k€-18k▼
Amounts payable17/49€16k€33k▲
Amounts payable within one year42/48€16k€33k▲
Financial debts43€4k€0▼
Credit institutions430/8€4k€0▼
Trade debts44€5k€9k▲
Suppliers440/4€5k€9k▲
Taxes, remuneration and social security45€6k€23k▲
Taxes450/3€0€4k▲
Remuneration and social security454/9€6k€19k▲
Other amounts payable47/48€799€840▲
Income statement
Code20242025
Other operating charges640/8€528€1k▲
Gross operating margin9900€-11k€-2k▲
Operating profit (loss)9901€-11k€-3k▲
Financial income75/76B€10€1▼
Recurring financial income75€10€1▼
Financial charges65/66B€191€351▲
Recurring financial charges65€191€351▲
Profit (loss) for the period before taxes9903€-12k€-4k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-12k€-4k▲
Profit (loss) for the period to be appropriated9905€-12k€-4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-18k▼
Profit (loss) brought forward from the previous period14P€-2k€-14k▼
The notes to these accounts (3 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €5k ▲33.7%
Operating result €7k, net result €5k, both a record.
12-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
16-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-02
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Gent · 1 establishment unit since 2016
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.
Henri Pirennelaan 749050 GentGround area
121 m²
Building footprint
85 m²
Parcel 44362B0142/00C006, Flanders. Linked by address, not a title deed.
1 establishment unit
PROEF
since 20162.259.607.971
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44362B0142/00C006 | Flanders | 121 m² | 1 · 85 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.
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 955 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-11-2016
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.