Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 52 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
Professional Financial Management from Sint-Martens-Latem, company number BE0543637092, closed financial year 2024 with a result of € 129,378 after tax. For that financial year Professional Financial Management recorded a gross margin of € 342,318 and equity of € 1.5 million. Compared with financial year 2023, the result moved from € 148,356 to € 129,378. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 19, 2025.
€ 1.5 million
▲ 9% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 129,378
▼ 13% vs 2023
Profit after tax over the fiscal year.
€ 116,121
▲ 28% vs 2023
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2024. Retained profit grew to € 1.1 million.
People and assets in 2024
€ 24,709
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 121,990
▼ 17% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 1.1 million
▼ 4% vs 2023
€ 49,008 is repaid this year. At this pace the long-term loan is gone in ≈ 23 years.
€ 44,989
▲ € 35,712 vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 38,458
▲ 118% vs 2023
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 367,916 | € 391,192 | € 308,310 | € 342,318 | ▲ 11% |
| Profit after taxes | € 162,601 | € 206,919 | € 148,356 | € 129,378 | ▼ 13% |
| Equity | € 664,893 | € 1,221,812 | € 1,370,167 | € 1,499,545 | ▲ 9% |
| Total debts | € 2,099,516 | € 1,727,939 | € 1,623,943 | € 1,627,648 | |
| Cash | € 96,295 | € 218,346 | € 90,775 | € 116,121 | ▲ 28% |
| Land & buildings | € 2,651,465 | € 2,714,601 | € 2,732,770 | € 2,720,170 | |
| Retained profit | € 646,293 | € 853,212 | € 1,001,567 | € 1,130,945 | ▲ 13% |
| Bank debt | € 1,661,501 | € 1,242,302 | € 1,194,113 | € 1,149,687 | ▼ 4% |
| Balance sheet total | € 2,764,409 | € 2,949,750 | € 2,994,110 | € 3,127,193 | ▲ 4% |
Key figures of Professional Financial Management, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to Professional Financial Management?
What happened at Professional Financial Management in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 129,378 (▼ 13% vs 2023). filed late Source: NBB ↗
- New establishment in Sint-Martens-Latem. KBO
- Frederik Pennoit became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 162,601 profit in 2021 to € 129,378 profit in 2024.
Paid € 182,712 in corporate taxes since 2021.
Best year ever: 2022, with € 206,919 profit.
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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
Behind Professional Financial Management is Frederik Pennoit.
Directors
According to the 2024 annual accounts
Frederik Pennoit
Director
since 2014
Establishments
Establishment units
Physical locations of this company
Meersstraat 38
9830 Sint-Martens-Latem
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0543.637.092
- VAT number
- BE 0543.637.092
- Registered office
- Meersstraat 38, 9830 Sint-Martens-Latem
- Names & denominations
- Professional Financial Management · PFM
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 20 December 2013
- Peppol
- Active · Active since 17 Oct 2025
- Contact
- 09/272.70.88
- Activities · NACE
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