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 1 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
PGMA from Etterbeek, company number BE0826228974, closed financial year 2025 with a result of € 98,308 after tax. For that financial year PGMA recorded a gross margin of € 147,246 and equity of € 199,498. Compared with financial year 2024, the result moved from € 23,993 to € 98,308. Profitable, and profit is growing. 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 July 20, 2026.
€ 199,498
▲ 97% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 98,308
▲ € 74,315 vs 2024
Profit after tax over the fiscal year.
€ 1,085
▼ 82% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 180,898.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 1,136
▲ 39% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 23,005
▲ € 20,605 vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 87,593 | € 64,181 | € 37,220 | € 147,246 | ▲ 296% |
| Profit after taxes | € 54,179 | € 43,280 | € 23,993 | € 98,308 | ▲ € 74,315 |
| Equity | € 77,197 | € 77,197 | € 101,190 | € 199,498 | ▲ 97% |
| Total debts | € 33,888 | € 53,409 | € 3,381 | € 115,586 | ▲ € 112,204 |
| Cash | € 7,605 | € 31,864 | € 6,163 | € 1,085 | ▼ 82% |
| Retained profit | € 58,597 | € 58,597 | € 82,590 | € 180,898 | ▲ 119% |
| Dividend | € 0 | € 43,280 | € 0 | € 0 | |
| Balance sheet total | € 111,085 | € 130,606 | € 104,571 | € 315,083 | ▲ 201% |
Key figures of PGMA, 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 PGMA?
What happened at PGMA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 98,308 (▲ € 74,315 vs 2024). Source: NBB ↗
- New establishment in Oudergem. KBO
- Pascal GIULIANO became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 54,179 profit in 2022 to € 98,308 profit in 2025.
Paid € 104,475 in corporate taxes since 2022.
Best year ever: 2025, with € 98,308 profit.
Paid out € 43,280 in dividends to the owners in total.
A new publication or filing at PGMA? We notify you, reason included.
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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
Directors
According to the 2025 annual accounts
Pascal GIULIANO
Manager
since 2010
Establishments
Establishment units
Physical locations of this company
Kapitein Joubertstraat 42
1040 Etterbeek
Visserijstraat 103 box 26
1160 Oudergem
Active since 9 July 2010
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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
- 0826.228.974
- VAT number
- BE 0826.228.974
- Registered office
- Kapitein Joubertstraat 42, 1040 Etterbeek
- Names & denominations
- PGMA
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 28 May 2010
- Peppol
- Active · Active since 22 Dec 2025
- Contact
- [email protected]
- Activities · NACE
Agenten en makelaars in bankdiensten
Activiteiten van verzekeringsagenten en -makelaars