PROJECTYMA
ActivePROJECTYMA has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €326k and a net result of €59k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 64% of 788 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+6
Solvency91▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.37 against 0.89 in 2024; short-term debt: 13.9% and cash: 15.3% of total assets), and 33.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
66.4%
Return on assets
11.9%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
31 d early
2023
30 d early
2022
20 d early
2021
47 d early
2020
124 d early
2019
73 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€326k▲ 6.1%
2024 · €307k
2018: €277k
2019: €349k
2020: €399k
2021: €310k
2022: €336k
2023: €333k
2024: €307k
2018 → 2025
Total assets
€491k▼ 6.4%
2024 · €524k
2018: €324k
2019: €380k
2020: €406k
2021: €315k
2022: €547k
2023: €528k
2024: €524k
2018 → 2025
Net result
€59k▲ 44.3%
2024 · €41k
2018: €64k
2019: €73k
2020: €49k
2021: €8k
2022: €26k
2023: €27k
2024: €41k
2018 → 2025
Working capital
€25k
2024 · €-11k
2018: €61k
2019: €136k
2020: €194k
2021: €141k
2022: €23k
2023: €6k
2024: €-11k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€310k-€336k▲ 8.5%€333k▼ 0.9%€307k▼ 7.8%€326k▲ 6.1%
Operating result€39k-€41k▲ 2.6%€45k▲ 12.2%€63k▲ 39.0%€87k▲ 37.2%
Net result€8k-€26k▲ 245%€27k▲ 1.4%€41k▲ 52.4%€59k▲ 44.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 37% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €491k
Fixed assets
€397k▼ 8.7%
Current assets
€94k▲ 4.9%
Equity and liabilities €491k
Equity
€326k▲ 6.1%
Debt
€165k▼ 24.0%
The debt ratio falls from 41.4% to 33.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€110k▲
2024 · €95k
Cash flow
€82k▲
2024 · €72k
Solvency
66.4%▲
2024 · 58.6%
Current ratio
1.37▲
2024 · 0.89
Quick ratio
1.37▲
2024 · 0.89
Debt / equity
0.51▼
2024 · 0.71
ROE
18.0%▲
2024 · 13.2%
ROA
11.9%▲
2024 · 7.8%
Interest coverage
20.85▲
2024 · 15.90
Debt
€165k▼
2024 · €217k
Debt ≤ 1 year
€68k▼
2024 · €101k
Debt > 1 year
€96k▼
2024 · €116k
Income taxes
€23k▲
2024 · €17k
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€524k€491k▼
Fixed assets21/28€435k€397k▼
Tangible fixed assets22/27€435k€397k▼
Land and buildings22€405k€392k▼
Plant, machinery and equipment23€601€0▼
Furniture and vehicles24€29k€5k▼
Current assets29/58€89k€94k▲
Amounts receivable within one year40/41€28k€19k▼
Trade receivables40€13k€18k▲
Other amounts receivable41€15k€673▼
Cash at bank and in hand54/58€58k€75k▲
Deferred charges and accrued income490/1€4k€0▼
Equity and liabilities
Total equity and liabilities10/49€524k€491k▼
Equity10/15€307k€326k▲
Contributions10/11€19k€19k=
Reserves13€289k€307k▲
Distributable reserves133€289k€307k▲
Profit (loss) carried forward14€109€109=
Amounts payable17/49€217k€165k▼
Amounts payable after more than one year17€116k€96k▼
Financial debts170/4€116k€96k▼
Amounts payable within one year42/48€101k€68k▼
Current portion of amounts payable after more than one year42€19k€20k▲
Trade debts44€4k€0▼
Suppliers440/4€4k€0▼
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€10k€8k▼
Other amounts payable47/48€67k€40k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€24k▼
Other operating charges640/8€3k€8k▲
Gross operating margin9900€98k€118k▲
Operating profit (loss)9901€63k€87k▲
Financial income75/76B€8€0▼
Recurring financial income75€8€0▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€57k€81k▲
Income taxes67/77€17k€23k▲
Profit (loss) for the period9904€41k€59k▲
Profit (loss) for the period to be appropriated9905€41k€59k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€59k▲
Profit (loss) brought forward from the previous period14P€109€109=
Transfer from equity791/2€67k€40k▼
Transfer to equity691/2€41k€59k▲
To the legal reserve6920-€59k
To other reserves6921€41k€0▼
Profit to be distributed694/7€67k€40k▼
Return on contributions (dividend)694€67k€40k▼
The notes to these accounts (8 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €8k ▼84.5%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity quadruplescurrent ratio 27.51
Current ratio from 6.84 to 27.51; short-term debt falls from €23k to €7k.
19-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €73k ▲13.6%
Operating result €109k, net result €73k, both a record.
22-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Montigny-le-Tilleul
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 des Rossignols 706110 Montigny-le-TilleulGround area
1,488 m²
Building footprint
214 m²
Volume, LiDAR
1,922 m³
Parcel 52048D0083/00K003, Wallonia · tallest building 25.9 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52048D0083/00K003 | Wallonia | 1,488 m² | 1 · 214 m² | 25.9 m · 2 fl. |
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 2,362 companies in sector 78100 we hold annual accounts for 1,365. 975 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-04-2007
Fiscal year end31-12
Activities, NACEBEL
74501
78100Employment placement agencies
47740Retail trade
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
52320
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.
Contact details
2 entriesWebsite:www.projectyma.com
E-mail:info@projectyma.com