CAPITAL PYM
ActiveThe computed 12-month bankruptcy probability of CAPITAL PYM is 6.5% (elevated). The 2024 annual accounts show negative equity (€-65k) and a net result of €-28k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 13% of 18939 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
14
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
6.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.43 against 0.46 in 2023; short-term debt: 169.5% and cash: 23% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
-71.1%
Return on assets
-30.5%
Age of the figures
21 mo
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-65k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-11-2025, 118 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
118 d late
2023
69 d late
2022
70 d late
2021
67 d late
2020
89 d late
2019
201 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-65k▼ 75.2%
2023 · €-37k
2018: €17k
2019: €19k
2020: €18k
2021: €29k
2022: €21k
2023: €-37k
2018 → 2024
Total assets
€92k▲ 9.1%
2023 · €84k
2018: €79k
2019: €73k
2020: €65k
2021: €73k
2022: €92k
2023: €84k
2018 → 2024
Net result
€-28k▲ 52.1%
2023 · €-58k
2018: €-2k
2019: €2k
2020: €-1k
2021: €11k
2022: €-7k
2023: €-58k
2018 → 2024
Working capital
€-88k▼ 34.6%
2023 · €-66k
2018: €-12k
2019: €-12k
2020: €-11k
2021: €7k
2022: €-12k
2023: €-66k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€18k-€29k▲ 59.8%€21k▼ 25.9%€-37k€-65k▼ 75.2%
Operating result€1k-€10k▲ 639%€-4k€-54k▼ 1,409%€-24k▲ 56.3%
Net result€-1k-€11k€-7k€-58k▼ 691%€-28k▲ 52.1%
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 €24k in 2024 against €54k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €92k
Fixed assets
€25k▼ 13.2%
Current assets
€67k▲ 20.6%
Key figures and ratios
EBITDA
€-17k▲
2023 · €-47k
Cash flow
€-21k▲
2023 · €-51k
Solvency
-71.1%▼
2023 · -44.3%
Current ratio
0.43▼
2023 · 0.46
Quick ratio
0.37▲
2023 · 0.32
Debt / equity
-2.41▲
2023 · -3.26
ROA
-30.5%▲
2023 · -69.5%
Interest coverage
-2.98▲
2023 · -10.97
Debt
€157k▲
2023 · €121k
Debt ≤ 1 year
€155k▲
2023 · €121k
Income taxes
€-9▼
2023 · €11
Staff costs
€127k▲
2023 · €99k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€84k€92k▲
Fixed assets21/28€28k€25k▼
Tangible fixed assets22/27€28k€25k▼
Plant, machinery and equipment23€27k€24k▼
Furniture and vehicles24€1k€829▼
Current assets29/58€55k€67k▲
Stocks and contracts in progress3€17k€9k▼
Stocks30/36€17k€9k▼
Amounts receivable within one year40/41€17k€36k▲
Trade receivables40€13k€10k▼
Other amounts receivable41€4k€26k▲
Cash at bank and in hand54/58€20k€21k▲
Deferred charges and accrued income490/1€836€1k▲
Equity and liabilities
Total equity and liabilities10/49€84k€92k▲
Equity10/15€-37k€-65k▼
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Profit (loss) carried forward14€-56k€-84k▼
Amounts payable17/49€121k€157k▲
Amounts payable within one year42/48€121k€155k▲
Financial debts43-€12k
Credit institutions430/8-€12k
Trade debts44€67k€58k▼
Suppliers440/4€67k€58k▼
Taxes, remuneration and social security45€22k€23k▲
Taxes450/3€9k€8k▼
Remuneration and social security454/9€13k€16k▲
Other amounts payable47/48€32k€63k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20232024
Remuneration, social security and pensions62€99k€127k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€55k€114k▲
Operating profit (loss)9901€-54k€-24k▲
Financial income75/76B€276€2k▲
Recurring financial income75€276€2k▲
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€-58k€-28k▲
Income taxes67/77€11€-9▼
Profit (loss) for the period9904€-58k€-28k▲
Profit (loss) for the period to be appropriated9905€-58k€-28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-56k€-84k▼
Profit (loss) brought forward from the previous period14P€3k€-56k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 118 days late
2024
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
31-12
Financial
Weakest financial yearnet €-58k
Net result drops to €-58k, the lowest in the series; recovery starts the following year.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
06-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 67 days late
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
17-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 201 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
07-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 68 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Brussel · 1 establishment unit since 2018
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.
Handelsstraat 881000 BrusselGround area
2,224 m²
Building footprint
440 m²
Volume, LiDAR
12,565 m³
Parcel 21805E0463/00Z002, Brussels · tallest building 34.3 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
CAPITAL PYM
since 20182.272.403.756
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21805E0463/00Z002indicative | Brussels | 2,224 m² | 1 · 440 m² | 34.3 m · 10 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.272.403.756
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Of 20,494 companies in sector 56111 we hold annual accounts for 11,455. 8,898 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2018
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.