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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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 36 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
34 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
PIB from Mont-Saint-Guibert, company number BE0475486674, closed financial year 2025 with a result of € -269,989 after tax. For that financial year PIB recorded a gross margin of € 141,193 and equity of € -1.9 million. Compared with financial year 2024, the result moved from € 1.6 million to € -269,989. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 9, 2026.
€ -1.9 million
▼ € 269,989 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -269,989
▼ still € 1.6 million profit in 2024
Profit after tax over the fiscal year.
€ 44,587
▼ 52% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -3.2 million.
Debts at end 2025
€ 2.9 million
▼ 14% vs 2024
Loans from banks and other lenders, long and short.
€ 253,051
▼ 66% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 63,519
▼ 55% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,239,446 | € -1,005,895 | € 2,216,369 | € 141,193 | ▼ 94% |
| Profit after taxes | € 996,832 | € -1,694,448 | € 1,611,394 | € -269,989 | ▼ € 1.9 million |
| Equity | € -1,525,446 | € -3,219,894 | € -1,608,500 | € -1,878,489 | ▼ € 269,989 |
| Total debts | € 9,931,903 | € 12,733,057 | € 13,177,376 | € 12,442,783 | ▼ 6% |
| Cash | € 1,370,288 | € 335,573 | € 92,023 | € 44,587 | ▼ 52% |
| Retained profit | € -2,825,446 | € -4,519,894 | € -2,908,500 | € -3,178,489 | ▼ € 269,989 |
| Bank debt | € 1,133,947 | € 3,382,541 | € 3,404,933 | € 2,918,276 | ▼ 14% |
| Balance sheet total | € 8,406,457 | € 9,513,163 | € 11,568,876 | € 10,564,293 | ▼ 9% |
Key figures of PIB, 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 PIB?
What happened at PIB in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Bernard Jacquet stepped down as director. NBB
- Francis Lagarde stepped down as director. NBB
- Alter Finance Capital stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 269,989 (▼ € 1.9 million vs 2024). Source: NBB ↗
- Bernard Jacquet became a director. NBB
- Francis Lagarde became a director. NBB
- Alter Finance Capital became a director. NBB
- New establishment in Mont-Saint-Guibert. KBO
In short
From € 996,832 profit in 2022 to € 269,989 loss in 2025.
Paid € 54,549 in corporate taxes since 2022.
Best year ever: 2024, with € 1.6 million profit.
Management
Directors
According to the 2025 annual accounts
Bernard Jacquet
Managing director
Also active at: B.W. Promo, B.W. CENTER, IN-RED, IMMOGUM, PARAPH'S
since 2022 · until 2028
since 2022 · until 2028
Alter Finance Capital
Managing director · represented by Séverine Spinosa
Also active at: B.W. CENTER
since 2022 · until 2028
Establishments
Establishment units
Physical locations of this company
Rue du Fond Cattelain 1 box 1
1435 Mont-Saint-Guibert
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 34 companies are registered at this address.
All companies at this address →AUTO - ECOLE PRO-PERMIS
€ 1 million gross margin · 2025
B.W. Promo same network
€ 732,206 gross margin · 2025
Lafiduciaire Conseils
€ 225,604 gross margin · 2025
B.W. CENTER same network
€ -4,797 gross margin · 2025
CAMPAGNE DU PETIT BAULERS
€ 1.3 million revenue · 2025
+29 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0475.486.674
- VAT number
- BE 0475.486.674
- Registered office
- Rue du Fond Cattelain 1 bus 1, 1435 Mont-Saint-Guibert
- Names & denominations
- PIB
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 14 August 2001
- Peppol
- Active · Active since 22 Dec 2025
- Activities · NACE
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