Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 31 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
P & M INVESTMENT from Kalmthout, company number BE0472113153, closed financial year 2025 with a result of € 13,575 after tax. For that financial year P & M INVESTMENT recorded a gross margin of € 105,625 and equity of € 1.2 million. Compared with financial year 2024, the result moved from € 3,260 to € 13,575. Profitable, and profit is growing. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 27, 2026.
€ 1.2 million
▼ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 13,575
▲ € 10,315 vs 2024
Profit after tax over the fiscal year.
€ 41,653
▲ 282% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 38,201 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 31,600
▼ 37% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 591,601
▼ 14% vs 2024
€ 95,327 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 5,214
▲ 98% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 4,350
▼ 15% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 150,653 | € 114,669 | € 106,537 | € 105,625 | ▼ 1% |
| Profit after taxes | € 5,887 | € 11,621 | € 3,260 | € 13,575 | ▲ € 10,315 |
| Equity | € 1,173,814 | € 1,185,434 | € 1,188,695 | € 1,164,068 | ▼ 2% |
| Total debts | € 829,597 | € 790,978 | € 706,897 | € 660,475 | ▼ 7% |
| Cash | € 7,154 | € 10,469 | € 10,896 | € 41,653 | ▲ 282% |
| Land & buildings | € 1,566,898 | € 1,551,149 | € 1,493,869 | € 1,462,157 | ▼ 2% |
| Retained profit | € 487,496 | € 499,117 | € 502,377 | € 477,751 | ▼ 5% |
| Dividend | € 0 | € 0 | € 0 | € 38,201 | |
| Bank debt | € 790,284 | € 783,299 | € 688,570 | € 591,601 | ▼ 14% |
| Balance sheet total | € 2,003,411 | € 1,976,412 | € 1,895,592 | € 1,824,543 | ▼ 4% |
Key figures of P & M INVESTMENT, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to P & M INVESTMENT?
What happened at P & M INVESTMENT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Myriam Stevens stepped down as director. NBB
- Guido Moens stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 13,575 (▲ € 10,315 vs 2024). filed late Source: NBB ↗
- Myriam Stevens became a director. NBB
- Guido Moens became a director. NBB
- New establishment in Kalmthout. KBO
- Start of the company according to the CBE. KBO
In short
From € 5,887 profit in 2022 to € 13,575 profit in 2025.
Paid € 3,799 in corporate taxes since 2022.
Best year ever: 2025, with € 13,575 profit.
Paid out € 38,201 in dividends to the owners in total.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
It owns 20% of STEVENS EUGENE & ZN VERZEKERINGEN and 20% of AGENTSCHAP M. STEVENS itself.
Directors
According to the 2025 annual accounts
Myriam Stevens
Managing director
Also active at: Agentschap M. Stevens, Eugéne Stevens en Zoon Verzekeringen
since 2022 · until 2028
Guido Moens
Director
since 2022 · until 2028
Establishments
Establishment units
Physical locations of this company
Pastoor Weytslaan (Dp) 32
2920 Kalmthout
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0472.113.153
- VAT number
- BE 0472.113.153
- Registered office
- Pastoor Weytslaan (Dp) 32, 2920 Kalmthout
- Names & denominations
- P & M INVESTMENT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 14 June 2000
- Peppol
- Active · Active since 24 Nov 2023
- Activities · NACE
Activiteiten van holdings
Holdings