ANNA PONENTE, Société Notariale
ActiveANNA PONENTE, Société Notariale has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €196k. Equity is shrinking by ~28.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 5% of 1004 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+18
Solvency25=
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
0.4%
Return on assets
17.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 1004 sector peers (2025).
NBB · sector comparisonPosition among 1004 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-02-2026, 158 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
158 d early
2024
160 d early
2023
118 d early
2022
123 d early
2021
128 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€196k▲ 55.3%
2024 · €126k
2021: €176k
2022: €161k
2023: €91k
2024: €126k
2021 → 2025
Working capital
€-315k▲ 13.0%
2024 · €-362k
2021: €80k
2022: €111k
2023: €48k
2024: €-362k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€180k-€341k▲ 89.2%€432k▲ 26.7%€4k▼ 99.1%€4k=
Operating result€231k-€201k▼ 12.9%€110k▼ 45.4%€167k▲ 52.1%€259k▲ 54.6%
Net result€176k-€161k▼ 8.8%€91k▼ 43.4%€126k▲ 38.7%€196k▲ 55.3%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 55% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.09M
Fixed assets
€844k▼ 15.6%
Current assets
€249k▼ 89.8%
Equity and liabilities €1.09M
Equity
€4k=
Debt
€1.09M▼ 68.3%
The debt ratio falls from 99.9% to 99.6%. Debt is lower.
Key figures and ratios
EBITDA
€415k▲
2024 · €310k
Cash flow
€352k▲
2024 · €269k
Solvency
0.4%▲
2024 · 0.1%
Current ratio
0.44▼
2024 · 0.87
Quick ratio
0.44▼
2024 · 0.87
ROA
17.9%▲
2024 · 3.7%
Interest coverage
34.74▲
2024 · 25.36
Debt
€1.09M▼
2024 · €3.44M
Debt ≤ 1 year
€564k▼
2024 · €2.80M
Debt > 1 year
€525k▼
2024 · €634k
Income taxes
€60k▲
2024 · €32k
Staff costs
€211k▲
2024 · €201k
A ratio outside any meaningful range has been withheld (balance sheet total €1.09M, equity €4k).
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€3.44M€1.09M▼
Fixed assets21/28€999k€844k▼
Intangible fixed assets21€461k€387k▼
Tangible fixed assets22/27€539k€457k▼
Land and buildings22€450k€400k▼
Furniture and vehicles24€89k€57k▼
Current assets29/58€2.44M€249k▼
Amounts receivable within one year40/41€48k€6k▼
Trade receivables40€1k€6k▲
Other amounts receivable41€47k€370▼
Current investments50/53€1.68M-
Cash at bank and in hand54/58€714k€243k▼
Equity and liabilities
Total equity and liabilities10/49€3.44M€1.09M▼
Equity10/15€4k€4k=
Contributions10/11€4k€4k=
Amounts payable17/49€3.44M€1.09M▼
Amounts payable after more than one year17€634k€525k▼
Financial debts170/4€634k€525k▼
Amounts payable within one year42/48€2.80M€564k▼
Current portion of amounts payable after more than one year42€107k€109k▲
Trade debts44€2.16M€3k▼
Suppliers440/4€2.16M€3k▼
Taxes, remuneration and social security45€70k€75k▲
Taxes450/3€40k€50k▲
Remuneration and social security454/9€31k€25k▼
Other amounts payable47/48€470k€378k▼
Income statement
Code20242025
Remuneration, social security and pensions62€201k€211k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€143k€157k▲
Other operating charges640/8€5k€8k▲
Non-recurring operating charges66A€106-
Gross operating margin9900€516k€635k▲
Operating profit (loss)9901€167k€259k▲
Financial income75/76B€3k€9k▲
Recurring financial income75€3k€9k▲
Financial charges65/66B€12k€12k▼
Recurring financial charges65€12k€12k▼
Profit (loss) for the period before taxes9903€158k€255k▲
Income taxes67/77€32k€60k▲
Profit (loss) for the period9904€126k€196k▲
Profit (loss) for the period to be appropriated9905€126k€196k▲
Appropriation of the result
Profit (loss) to be appropriated9906€126k€196k▲
Transfer from equity791/2€428k-
Profit to be distributed694/7€554k€196k▼
Return on contributions (dividend)694€554k€196k▼
Social balance
Average headcount (FTE)90872.62.6=
The notes to these accounts (10 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
23-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2021net €196k ▲55.3%
Operating result €259k, net result €196k, both a record.
21-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €91k ▼43.4%
Net result drops to €91k, the lowest in the series; recovery starts the following year.
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €200kEq €341k ▲89.2%
2 profitable years in a row build equity to €341k.
25-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Aubel · 1 establishment unit since 2021
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.
Côte de Hagelstein 1A4880 AubelGround area
416 m²
Building footprint
316 m²
Volume, LiDAR
2,263 m³
Parcel 63003B0487/00B000, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ANNA PONENTE, Société Notariale
since 20212.315.017.737
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63003B0487/00B000 | Wallonia | 416 m² | 1 · 316 m² | 8.9 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 2,258 companies in sector 69102 we hold annual accounts for 1,754. 370 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2021
Fiscal year end31-12
Activities, NACEBEL
69102Activities of notaries
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:anna.ponente@belnot.be