ASD PERNEEL
ActiveASD PERNEEL has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €-40k. Equity is shrinking by ~6% per year across the filed fiscal years. Its solvency ranks better than 14% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
7
/ 100
Critical▼ -38 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency16▼-22
Growth32=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.94 against 1.2 in 2024), and 91% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
9%
Return on assets
-29.6%
Age of the figures
12 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€40k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 27407 sector peers (2025).
NBB · sector comparisonPosition among 27407 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 04-05-2026, 4 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
4 d late
2024
8 d late
2023
2 d late
2022
3 d early
2021
3 d late
2020
18 d early
2019
14 d late
← 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
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▼ 76.6%
2024 · €52k
2018: €54k
2019: €64k
2020: €79k
2021: €82k
2022: €52k
2023: €55k
2024: €52k
2018 → 2025
Total assets
€136k▼ 39.0%
2024 · €222k
2018: €242k
2019: €241k
2020: €118k
2021: €101k
2022: €201k
2023: €228k
2024: €222k
2018 → 2025
Net result
€-40k▼ 1,409%
2024 · €-3k
2018: €27k
2019: €10k
2020: €15k
2021: €3k
2022: €-30k
2023: €3k
2024: €-3k
2018 → 2025
Working capital
€-7k
2024 · €29k
2018: €68k
2019: €77k
2020: €65k
2021: €72k
2022: €30k
2023: €27k
2024: €29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€82k-€52k▼ 36.4%€55k▲ 5.2%€52k▼ 4.8%€12k▼ 76.6%
Operating result€4k-€-25k€10k€-1k€-39k▼ 3,485%
Net result€3k-€-30k€3k€-3k€-40k▼ 1,409%
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 €39k in 2025 against €1k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136k
Fixed assets
€28k▼ 41.9%
Current assets
€108k▼ 38.2%
Equity and liabilities €136k
Equity
€12k▼ 76.6%
Debt
€123k▼ 27.3%
The debt ratio rises from 76.4% to 91.0%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-20k▼
2024 · €19k
Cash flow
€-20k▼
2024 · €17k
Solvency
9.0%▼
2024 · 23.6%
Current ratio
0.94▼
2024 · 1.20
Quick ratio
0.89▼
2024 · 1.16
Debt / equity
10.07▲
2024 · 3.24
ROE
-327.4%▼
2024 · -5.1%
ROA
-29.6%▼
2024 · -1.2%
Interest coverage
-17.39▼
2024 · 13.20
Debt
€123k▼
2024 · €170k
Debt ≤ 1 year
€115k▼
2024 · €146k
Debt > 1 year
€9k▼
2024 · €24k
Income taxes
€162▲
2024 · €144
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€222k€136k▼
Fixed assets21/28€47k€28k▼
Tangible fixed assets22/27€47k€28k▼
Land and buildings22€913€0▼
Furniture and vehicles24€22k€16k▼
Leasing and similar rights25€24k€12k▼
Current assets29/58€175k€108k▼
Stocks and contracts in progress3€5k€6k▲
Stocks30/36€5k€6k▲
Amounts receivable within one year40/41€18k€19k▲
Trade receivables40€16k€18k▲
Other amounts receivable41€2k€1k▼
Cash at bank and in hand54/58€147k€79k▼
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€222k€136k▼
Equity10/15€52k€12k▼
Contributions10/11€19k€19k=
Reserves13€34k€34k=
Distributable reserves133€34k€34k=
Profit (loss) carried forward14-€-40k
Amounts payable17/49€170k€123k▼
Amounts payable after more than one year17€24k€9k▼
Financial debts170/4€24k€9k▼
Amounts payable within one year42/48€146k€115k▼
Current portion of amounts payable after more than one year42€16k€15k▼
Trade debts44€21k€8k▼
Suppliers440/4€21k€8k▼
Taxes, remuneration and social security45€2k€352▼
Taxes450/3€901€352▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€107k€92k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€20k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€22k€-17k▼
Operating profit (loss)9901€-1k€-39k▼
Financial income75/76B€1€617▲
Recurring financial income75€1€617▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€-3k€-40k▼
Income taxes67/77€144€162▲
Profit (loss) for the period9904€-3k€-40k▼
Profit (loss) for the period to be appropriated9905€-3k€-40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-40k▼
Transfer from equity791/2€3k€0▼
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (6 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
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
30-09
Financial
Weakest financial yearnet €-40k
Net result drops to €-40k, the lowest in the series.
08-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
02-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
30-09
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
03-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
12-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
23-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
08-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 8 days late
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, Izegem · 1 establishment unit since 2007
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.
Stuivenbergstraat 1058870 IzegemGround area
1,426 m²
Building footprint
954 m²
Volume, LiDAR
4,912 m³
Parcel 36494D0134/00Y000, Flanders · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ASD PERNEEL
since 20072.166.799.955
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36494D0134/00Y000 | Flanders | 1,426 m² | 1 · 953 m² | 11.8 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 101 EUR awarded · 101 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 101 EUR | 101 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 19,947 companies in sector 43320 we hold annual accounts for 9,086. 5,062 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-10-2007
Fiscal year end30-09
Activities, NACEBEL
43320Joinery installation
45421
43230Insulation installation
43291Specialised construction activities
43332Laying of wooden floor and wall coverings
45422
45432
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.