Christopher PINOY
ActiveChristopher PINOY has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €25k and a net result of €4k. Equity is shrinking by ~6% per year across the filed fiscal years. Its solvency ranks better than 55% of 4625 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
100
/ 100
Excellent▲ +29 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▲+75
Solvency97▲+20
Growth32=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.18 against 1.68 in 2023), and 46% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
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
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
54%
Return on assets
8.1%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
29 d late
2022
30 d late
2021
30 d late
2020
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4k
2023 · €-5k
2020: €29k
2021: €5k
2022: €-7k
2023: €-5k
2020 → 2024
Working capital
€14k▲ 33.2%
2023 · €11k
2020: €13k
2021: €21k
2022: €16k
2023: €11k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€28k-€33k▲ 18.1%€26k▼ 21.2%€22k▼ 17.6%€25k▲ 17.6%
Operating result€34k-€4k▼ 89.5%€-6k€-3k▲ 50.7%€8k
Net result€29k-€5k▼ 82.5%€-7k€-5k▲ 34.6%€4k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €8k after a loss of €3k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €47k
Fixed assets
€21k▼ 23.6%
Current assets
€26k▼ 0.6%
Equity and liabilities €47k
Equity
€25k▲ 17.6%
Debt
€22k▼ 32.6%
The debt ratio falls from 59.7% to 46.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€12k▲
2023 · €5k
Cash flow
€8k▲
2023 · €4k
Solvency
54.0%▲
2023 · 40.3%
Current ratio
2.18▲
2023 · 1.68
Quick ratio
2.18▲
2023 · 1.68
Debt / equity
0.85▼
2023 · 1.48
ROE
15.0%▲
2023 · -21.4%
ROA
8.1%▲
2023 · -8.6%
Interest coverage
8.82▼
2023 · 8.96
Debt
€22k▼
2023 · €32k
Debt ≤ 1 year
€12k▼
2023 · €16k
Debt > 1 year
€10k▼
2023 · €16k
Income taxes
€3k▲
2023 · €1k
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€54k€47k▼
Fixed assets21/28€27k€21k▼
Tangible fixed assets22/27€23k€17k▼
Plant, machinery and equipment23-€4k
Furniture and vehicles24€23k€13k▼
Financial fixed assets28€4k€4k=
Current assets29/58€26k€26k▼
Amounts receivable within one year40/41€17k€23k▲
Trade receivables40€10k€9k▼
Other amounts receivable41€7k€14k▲
Cash at bank and in hand54/58€7k€3k▼
Deferred charges and accrued income490/1€2k€168▼
Equity and liabilities
Total equity and liabilities10/49€54k€47k▼
Equity10/15€22k€25k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€20k€23k▲
Amounts payable17/49€32k€22k▼
Amounts payable after more than one year17€16k€10k▼
Financial debts170/4€16k€10k▼
Amounts payable within one year42/48€16k€12k▼
Current portion of amounts payable after more than one year42€7k€7k▼
Trade debts44€2k€246▼
Suppliers440/4€2k€246▼
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€6k€5k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€4k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€6k€13k▲
Operating profit (loss)9901€-3k€8k▲
Financial income75/76B€282-
Recurring financial income75€282-
Financial charges65/66B€579€1k▲
Recurring financial charges65€579€1k▲
Profit (loss) for the period before taxes9903€-3k€6k▲
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€-5k€4k▲
Profit (loss) for the period to be appropriated9905€-5k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€23k▲
Profit (loss) brought forward from the previous period14P€24k€20k▼
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
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-7k ▼238%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Tournai · 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.
Grand'Route(G-R) 307530 TournaiGround area
866 m²
Building footprint
121 m²
Volume, LiDAR
669 m³
Parcel 57033A0050/00B003, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Grand'Route(G-R) 30, 7530 Tournai
since 20192.297.795.683
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57033A0050/00B003 | Wallonia | 866 m² | 1 · 121 m² | 7.1 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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TERBES
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 32,898 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
58290Other software publishing
66300Activities auxiliary to financial services and insurance activities
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:pinoychristopher@gmail.com
Phone:0474/599942