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BY THE PONDS

Active
Private limited companyfounded 2003active for 22 yearsChemin de Couture 4, 1380 Lasne, BelgiumKBO/BCE: BE 0861.726.224
Summary

BY THE PONDS has been active since 2003 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €84,636 and a net result of €24,932. Equity remains stable across the filed financial years (±0.9% per year). Its solvency ranks better than 72% of 22,632 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow ReportCompare
BY THE PONDSActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
Other retail sale of new goods
NACE 47789
1 site
Size
≈ €180,000turnover 2025, estimated
Equity
€84,636
Profit
€24,932
Turnover estimated from the gross margin
Financial health
97 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Structure
2025 accounts 53 days early1 of 2 deeds summarised
Why 97raises riskSector: Retail trade (NACE 47)lowers riskLiquidity: current ratio 2.34, cash €124,053Equity €84,636 (59.3% of total assets)Founded in 2003Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 79% of its sector peers (NACE 47, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 84-16
equity 59.3% of total assets
Liquidity 81-18
short-term debt 40.7% · cash 87.0%
Profitability 91+13
return on assets 17.5%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,263 companies, NACE 47, micro)
Last 24 months 11-2024: 0.1%highest value 12-2024: 0.1%● unchanged vs 11-2024highest value 01-2025: < 0.1%▼ -0.1 percentage points vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026lowest value 03-2026: < 0.1%● unchanged vs 02-2026lowest value 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026
Credit of up to €8,000 on 30-day terms is acceptable
Liquidity ample (current ratio 2.34, compared with 7.85 in 2024, above the usual 1.5; short-term debt: 40.7% and cash: 87% of total assets), and 40.7% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 72% on solvency, 85% on liquidity, 85% on profitability and 75% on growth.

The bankruptcy probability was computed on 29-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 2.34, cash €124,053
NBB · annual accounts
lowers risk · Equity €84,636 (59.3% of total assets)
NBB · annual accounts
lowers risk · Founded in 2003
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €84,636
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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
53 days early
2024
58 days early
2023
56 days early
2022
34 days early
2021
25 days early
2020
8 days early
2019
3 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 34 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 8 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
29-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Back to profitnet €5,805

Key points

  • Positive: Filed on time since financial year 2019accounts within the deadline every year 7 years View
  • Total assets 20256 financial years filed €142,668 View
  • Active since 2003founded 19-11-2003 22 years View

By topic

Financials

Financial year
2025
Total assets
€142,668
Profit
€24,932
Solvency
59.3%
Total assets▲ 83.5%
Net result
20182025
Go to Financials

Timeline

Events
28
Since
2005
Next accounts
by 31-07-2027
  1. 05-06-2024Annual accounts filed
  2. 06-03-2024Resignation: PASTURE Mathieu (manager)
  3. 27-06-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other retail sale of new goodsNACE 47789
Founded
19-11-2003
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
24
Annual meeting
Last Thursday of May at 18:00
Purpose
“La société a pour objet toutes les activités,telles que la recherche,la conception,la…” (deed in French)
Go to Articles of association

Key facts about BY THE PONDS

What is the company number of BY THE PONDS?
0861.726.224. In Belgium the VAT number is the company number with BE in front: BE 0861.726.224.
Where is BY THE PONDS based?
The registered office is at Chemin de Couture 4, 1380 Lasne.Company details
What does BY THE PONDS do?
According to the KBO register, the main activity is other retail sale of new goods (NACE 47789).
What is the legal form of BY THE PONDS?
Private limited company (BV).
When was BY THE PONDS founded?
On 19-11-2003.
Is BY THE PONDS still active?
Yes, BY THE PONDS is an active enterprise in the KBO register.
What is the turnover of BY THE PONDS?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is BY THE PONDS profitable?
In financial year 2025, BY THE PONDS made a profit of €24,932.
Where can I find the annual accounts of BY THE PONDS?
BY THE PONDS filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of BY THE PONDS due?
By 31-07-2027, for financial year 2026.Timeline

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