A Punto
ActiveA Punto has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-34k) and a net result of €-82k. Equity is shrinking by ~32.1% per year across the filed fiscal years. Its solvency ranks better than 8% of 7694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
34
/ 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▼-3
Solvency0▼-50
Growth32=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 2.25 against 1.22 in 2024; short-term debt: 15.2% and cash: 17.5% of total assets), but equity is negative.
Credit advice 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
-49.1%
Return on assets
-116.7%
Age of the figures
12 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €-34k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 07-04-2026, 23 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
23 d early
2024
on the day
2023
27 d late
2022
24 d early
2021
11 d early
2020
37 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-34k
2024 · €47k
2020: €108k
2021: €131k
2022: €107k
2023: €71k
2024: €47k
2020 → 2025
Total assets
€70k▼ 62.5%
2024 · €187k
2020: €233k
2021: €182k
2022: €107k
2023: €73k
2024: €187k
2020 → 2025
Net result
€-82k▼ 247%
2024 · €-24k
2020: €63k
2021: €23k
2022: €-25k
2023: €-36k
2024: €-24k
2020 → 2025
Working capital
€13k▼ 42.9%
2024 · €23k
2020: €196k
2021: €160k
2022: €106k
2023: €71k
2024: €23k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€131k-€107k▼ 18.8%€71k▼ 33.4%€47k▼ 33.3%€-34k
Operating result€24k-€-25k€-28k▼ 13.8%€-19k▲ 34.1%€-81k▼ 337%
Net result€23k-€-25k€-36k▼ 44.4%€-24k▲ 33.6%€-82k▼ 247%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €81k in 2025 against €19k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€46k▼ 20.2%
Current assets
€24k▼ 81.4%
Key figures and ratios
EBITDA
€-69k▼
2024 · €-18k
Cash flow
€-70k▼
2024 · €-23k
Solvency
-49.1%▼
2024 · 25.4%
Current ratio
2.25▲
2024 · 1.22
Quick ratio
2.25▲
2024 · 1.22
Debt / equity
-3.04▼
2024 · 2.94
ROA
-116.7%▼
2024 · -12.6%
Interest coverage
-66.66▼
2024 · -3.54
Debt
€105k▼
2024 · €140k
Debt ≤ 1 year
€11k▼
2024 · €106k
Debt > 1 year
€94k▲
2024 · €31k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€187k€70k▼
Fixed assets21/28€58k€46k▼
Intangible fixed assets21€58k€46k▼
Tangible fixed assets22/27€104€0▼
Plant, machinery and equipment23€104€0▼
Current assets29/58€129k€24k▼
Amounts receivable after more than one year29€8k€0▼
Other amounts receivable291€8k€0▼
Amounts receivable within one year40/41€92k€12k▼
Trade receivables40€84k€6k▼
Other amounts receivable41€9k€6k▼
Cash at bank and in hand54/58€29k€12k▼
Equity and liabilities
Total equity and liabilities10/49€187k€70k▼
Equity10/15€47k€-34k▼
Contributions10/11€45k€45k=
Reserves13€50k€50k=
Distributable reserves133€50k€50k=
Profit (loss) carried forward14€-48k€-129k▼
Amounts payable17/49€140k€105k▼
Amounts payable after more than one year17€31k€94k▲
Financial debts170/4€31k€94k▲
Amounts payable within one year42/48€106k€11k▼
Trade debts44€106k€11k▼
Suppliers440/4€106k€11k▼
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€456€12k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-22k€0▲
Other operating charges640/8€22k€1k▼
Non-recurring operating charges66A-€2k
Gross operating margin9900€-18k€-66k▼
Operating profit (loss)9901€-19k€-81k▼
Financial income75/76B-€26
Recurring financial income75-€26
Financial charges65/66B€5k€1k▼
Recurring financial charges65€5k€1k▼
Profit (loss) for the period before taxes9903€-24k€-82k▼
Profit (loss) for the period9904€-24k€-82k▼
Profit (loss) for the period to be appropriated9905€-24k€-82k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-48k€-129k▼
Profit (loss) brought forward from the previous period14P€-24k€-48k▼
The notes to these accounts (8 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
2026
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-82k
Net result drops to €-82k, the lowest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
06-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity times 18current ratio 147.23
Current ratio from 8.39 to 147.23; short-term debt falls from €22k to €724.
19-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
30-09-2025
Femke Vander Sarren: Resigned as Director
23-02-2024
Liesbet Huyghebaert: Resigned as Director
23-02-2024
Lydia Dutrieue: Resigned as Director
09-11-2023
Liesbet Huyghebaert: Resigned as Director
09-11-2023
Lydia Dutrieue: Resigned as Director
09-11-2023
Van Overmeire Pascal: Resigned as Director
30-09-2020
Baeke Inge: Resigned as Manager
Location & real-estate footprint
Registered office, Kortrijk · 1 establishment unit since 2019
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.
't Helleke(Kor) 118500 KortrijkGround area
1,682 m²
Building footprint
235 m²
Volume, LiDAR
1,120 m³
Parcel 34022E1024/00L000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A PUNTO
since 20192.285.316.040
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34022E1024/00L000 | Flanders | 1,682 m² | 1 · 234 m² | 7.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,575 companies in sector 82300 we hold annual accounts for 1,669. 1,272 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2018
Fiscal year end30-09
Activities, NACEBEL
82300Organisation of conventions and trade shows
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:+3256854082