PUUR
ActiveSummary
The computed 12-month bankruptcy probability of PUUR is 3.9% (moderate). The annual accounts of PUUR for fiscal year 2025 show a net loss of 53% of the equity at the start of that year. The 2025 annual accounts show equity of €4.12M and a net result of €-4.69M. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 58% of 810 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
40
/ 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
Profitability0=
Solvency63▼-17
Growth59▼-14
Track record100
Bankruptcy probability, 12 months
3.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days 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 ample (current ratio 1.65 against 2.42 in 2024; short-term debt: 59.4% and cash: 66.6% of total assets), but 62.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
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
37.6%
Return on assets
-42.9%
Age of the figures
18 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
19202122232425
2019 to 2025 · latest year €-4.69M
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 07-10-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
29 d early
2023
29 d early
2022
24 d early
2021
32 d early
2020
33 d early
2019
34 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
€25.49M▲ 4.6%
2024 · €24.36M
2019: €15.48M
2020: €16.57M
2021: €22.59M
2022: €21.14M
2023: €20.30M
2024: €24.36M
2019 → 2025
EBIT margin
-19.4%▲ 3.8pp
2024 · -23.2%
2019: -51.8%
2020: -31.9%
2021: -12.7%
2022: -24.9%
2023: -33.6%
2024: -23.2%
2019 → 2025
Net result
€-4.69M▲ 10.3%
2024 · €-5.23M
2019: €-7.99M
2020: €-5.34M
2021: €-2.89M
2022: €-5.27M
2023: €-6.86M
2024: €-5.23M
2019 → 2025
Working capital
€4.22M▼ 54.5%
2024 · €9.28M
2019: €-938k
2020: €4.39M
2021: €2.46M
2022: €-2.53M
2023: €14.75M
2024: €9.28M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€22.59M-€21.14M▼ 6.4%€20.30M▼ 4.0%€24.36M▲ 20.0%€25.49M▲ 4.6%
Equity€6.18M-€902k▼ 85.4%€14.04M▲ 1,457%€8.81M▼ 37.3%€4.12M▼ 53.3%
Operating result€-2.87M-€-5.26M▼ 83.2%€-6.81M▼ 29.4%€-5.64M▲ 17.2%€-4.94M▲ 12.5%
Net result€-2.89M-€-5.27M▼ 82.7%€-6.86M▼ 30.0%€-5.23M▲ 23.7%€-4.69M▲ 10.3%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4.94M in 2025 against €5.64M in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.94M
Fixed assets
€219k ▼ 2.6%
Current assets
€10.72M ▼ 32.2%
Equity and liabilities €10.94M
Equity
€4.12M ▼ 53.3%
Provisions
€316k ▼ 54.5%
Debt
€6.50M ▼ 0.2%
Debt's share of the balance-sheet total rises from 40.7% to 59.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4.89M▲
2024 · €-5.55M
Cash flow
€-4.65M▲
2024 · €-5.14M
Current ratio
1.65▼
2024 · 2.42
Quick ratio
1.44▼
2024 · 2.18
Debt to equity
1.58▲
2024 · 0.74
ROE
-114.0%▼
2024 · -59.4%
ROA
-42.9%▼
2024 · -32.7%
Interest coverage
-182.64▲
2024 · -1259.07
Debt ≤ 1 year
€6.50M▼
2024 · €6.52M
Income taxes
€4k▲
2024 · €4k
Staff costs
€8.24M▼
2024 · €8.44M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 67 lines
Balance sheet
Code20242025
Assets
Total assets20/58€16.02M€10.94M▼
Fixed assets21/28€225k€219k▼
Tangible fixed assets22/27€225k€219k▼
Land and buildings22€120k€104k▼
Plant, machinery and equipment23€42k€37k▼
Furniture and vehicles24€63k€79k▲
Current assets29/58€15.80M€10.72M▼
Stocks and contracts in progress3€1.60M€1.37M▼
Stocks30/36€1.60M€1.37M▼
Raw materials and consumables30/31€169k€201k▲
Goods purchased for resale34€1.43M€1.17M▼
Amounts receivable within one year40/41€2.31M€2.07M▼
Trade receivables40€1.71M€2.00M▲
Other amounts receivable41€605k€67k▼
Cash at bank and in hand54/58€11.88M€7.28M▼
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€16.02M€10.94M▼
Equity10/15€8.81M€4.12M▼
Contributions10/11€15.00M€15.00M=
Capital10€15.00M€15.00M=
Issued capital100€15.00M€15.00M=
Profit (loss) carried forward14€-6.19M€-10.88M▼
Provisions and deferred taxes16€695k€316k▼
Provisions for liabilities and charges160/5€695k€316k▼
Other liabilities and charges164/5€695k€316k▼
Amounts payable17/49€6.52M€6.50M▼
Amounts payable within one year42/48€6.52M€6.50M▼
Current portion of amounts payable after more than one year42€379k€379k=
Trade debts44€3.61M€3.39M▼
Suppliers440/4€3.61M€3.39M▼
Advances received on contracts in progress46€65k€120k▲
Taxes, remuneration and social security45€2.46M€2.60M▲
Taxes450/3€50k€62k▲
Remuneration and social security454/9€2.41M€2.54M▲
Accrued charges and deferred income492/3€40€7k▲
Income statement
Code20242025
Operating income70/76A€27.89M€29.79M▲
Turnover70€24.36M€25.49M▲
Other operating income74€1.31M€1.98M▲
Non-recurring operating income76A€2.22M€2.32M▲
Operating charges60/66A€33.53M€34.73M▲
Goods for resale, raw materials and consumables60€15.78M€15.68M▼
Purchases600/8€15.51M€15.45M▼
Change in stocks: decrease (increase)609€276k€231k▼
Services and other goods61€9.57M€11.04M▲
Remuneration, social security and pensions62€8.44M€8.24M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€93k€47k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€21k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-379k€-379k=
Other operating charges640/8€22k€25k▲
Non-recurring operating charges66A€8k€48k▲
Operating profit (loss)9901€-5.64M€-4.94M▲
Financial income75/76B€450k€274k▼
Recurring financial income75€450k€274k▼
Income from current assets751€450k€274k▼
Other financial income752/9€156€2▼
Financial charges65/66B€35k€27k▼
Recurring financial charges65€35k€27k▼
Debt charges650€4k-
Other financial charges652/9€30k€27k▼
Profit (loss) for the period before taxes9903€-5.23M€-4.69M▲
Income taxes67/77€4k€4k▲
Taxes670/3€4k€4k▲
Profit (loss) for the period9904€-5.23M€-4.69M▲
Profit (loss) for the period to be appropriated9905€-5.23M€-4.69M▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6.19M€-10.88M▼
Profit (loss) brought forward from the previous period14P€-957k€-6.19M▼
Social balance
Average headcount (FTE)9087149.2149.1▼
The notes to these accounts (53 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
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
02-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
03-06
State Gazette act
Board meeting · Power of attorney
13-03
State Gazette act
Board meeting · Power of attorney
2023
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
31-03
Financial
Liquidity times 7current ratio 3.33
Current ratio from 0.50 to 3.33.
31-03
Financial
Equity above €10MEq €14.04M ▲1457%
Equity rises from €902k to €14.04M.
2022
07-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
31-03
Financial
Liquidity doublescurrent ratio 1.63
Current ratio from 0.73 to 1.63.
31-03
Financial
Equity above €5MEq €9.06M ▲106%
Equity rises from €4.40M to €9.06M.
Show earlier events
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
05-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
13 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, Halle · 7 establishment units since 2014
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.
Edingensesteenweg 1961500 HalleGround area
7.4 ha
Building footprint
3.0 ha
Volume, LiDAR
177,758 m³
7 parcels, Flanders · tallest building 27.2 m, ±6 floors. Linked by address, not a title deed.
7 establishment units
PUUR
since 20142.236.455.556
Cru Overijse
since 20142.236.455.655
Cru Gent
since 20162.252.128.182
Cru Groenplaats
since 20162.252.128.281
Stroppen Productie 1
since 20162.251.851.238
Stroppen Kantoor 2
since 20172.262.838.863
Show 1 more locations
CRU DILBEEK
since 20222.332.707.171
7 parcels
Flanders
7
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23027F0207/00V000 | Flanders | 3.1 ha | 1 · 9,052 m² | 27.2 m · 6 fl. |
| 23027M0177/00Y000 | Flanders | 2.6 ha | 1 · 1.2 ha | - |
| 23062B0382/00L000 | Flanders | 7,514 m² | 1 · 991 m² | 15.6 m · 2 fl. |
| 23070D0233/00Y000 | Flanders | 4,083 m² | 1 · 3,282 m² | - |
| 44803C0816/00E000 | Flanders | 2,315 m² | 1 · 2,146 m² | 18.8 m · 5 fl. |
| 11803C1905/00L000 | Flanders | 1,966 m² | 1 · 1,231 m² | - |
| 23027M0174/00S000 | Flanders | 1,006 m² | 1 · 1,005 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 6
7 of 7 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 3,908 EUR awarded · 3,908 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,000 EUR | 1,000 EUR |
| 2024 | 1 | 682 EUR | 682 EUR |
| 2023 | 1 | 1,427 EUR | 1,427 EUR |
| 2022 | 1 | 799 EUR | 799 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Premie kwalificerend werkplekleren
Recognitions · licences · registrations
Food safety, FASFC
5 sitesAntwerpen2.252.128.281
Dilbeek2.332.707.171
Gent2.252.128.182
Overijse2.236.455.655
Show 1 more sites
Halle2.251.851.238
Dual-learning approval
4 live approvalsKeukenmedewerker (vwo)
Keukenmedewerker duaal (so)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)
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Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 433 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded13-01-2014
Fiscal year end31-03
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
47110Non-specialised retail sale with food, beverages or tobacco predominating
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.