De Pelseneer
ActiveDe Pelseneer has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €85k and a net result of €47k. Equity is growing by ~50.3% per year across the filed fiscal years. Its solvency ranks better than 50% of 27451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+10
Solvency72▲+19
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 1.33 in 2024; short-term debt: 42% and cash: 24.2% of total assets), but 52.7% 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
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 · 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
47.3%
Return on assets
26.4%
Age of the figures
9 mo
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
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 01-07-2026, 30 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
30 d early
2024
21 d early
2023
22 d early
2022
18 d early
2021
9 d late
2020
30 d early
2019
19 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€85k▲ 72.3%
2024 · €49k
2018: €6k
2019: €2k
2020: €10k
2021: €18k
2022: €22k
2023: €20k
2024: €49k
2018 → 2025
Total assets
€179k▲ 2.2%
2024 · €175k
2018: €194k
2019: €156k
2020: €160k
2021: €128k
2022: €106k
2023: €130k
2024: €175k
2018 → 2025
Net result
€47k▲ 62.1%
2024 · €29k
2018: €18
2019: €-5k
2020: €8k
2021: €8k
2022: €4k
2023: €4k
2024: €29k
2018 → 2025
Working capital
€77k▲ 134%
2024 · €33k
2018: €-13k
2019: €-13k
2020: €7k
2021: €481
2022: €-1k
2023: €3k
2024: €33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€22k▲ 21.2%€20k▼ 7.9%€49k▲ 146%€85k▲ 72.3%
Operating result€16k-€9k▼ 42.5%€10k▲ 4.0%€50k▲ 415%€72k▲ 44.4%
Net result€8k-€4k▼ 54.3%€4k▲ 18.9%€29k▲ 549%€47k▲ 62.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 44% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €179k
Fixed assets
€27k▼ 36.6%
Current assets
€152k▲ 14.8%
Equity and liabilities €179k
Equity
€85k▲ 72.3%
Debt
€94k▼ 25.1%
The debt ratio falls from 72.0% to 52.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€88k▲
2024 · €67k
Cash flow
€63k▲
2024 · €46k
Solvency
47.3%▲
2024 · 28.0%
Current ratio
2.02▲
2024 · 1.33
Quick ratio
1.88▲
2024 · 1.22
Debt / equity
1.12▼
2024 · 2.57
ROE
55.9%▼
2024 · 59.4%
ROA
26.4%▲
2024 · 16.7%
Interest coverage
36.87▲
2024 · 13.83
Debt
€94k▼
2024 · €126k
Debt ≤ 1 year
€75k▼
2024 · €100k
Debt > 1 year
€19k▼
2024 · €26k
Income taxes
€23k▲
2024 · €16k
Staff costs
€140k▲
2024 · €98k
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€175k€179k▲
Fixed assets21/28€43k€27k▼
Intangible fixed assets21€7k€327▼
Tangible fixed assets22/27€36k€27k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€34k€26k▼
Other tangible fixed assets26€148-
Current assets29/58€132k€152k▲
Stocks and contracts in progress3€11k€11k▼
Stocks30/36€11k€11k▼
Amounts receivable within one year40/41€41k€52k▲
Trade receivables40€21k€38k▲
Other amounts receivable41€20k€14k▼
Cash at bank and in hand54/58€76k€43k▼
Deferred charges and accrued income490/1€4k€46k▲
Equity and liabilities
Total equity and liabilities10/49€175k€179k▲
Equity10/15€49k€85k▲
Contributions10/11-€6k
Reserves13€49k€78k▲
Distributable reserves133€49k€78k▲
Amounts payable17/49€126k€94k▼
Amounts payable after more than one year17€26k€19k▼
Financial debts170/4€26k€19k▼
Amounts payable within one year42/48€100k€75k▼
Current portion of amounts payable after more than one year42€15k€16k▲
Trade debts44€59k€26k▼
Suppliers440/4€59k€26k▼
Advances received on contracts in progress46€3k€3k=
Taxes, remuneration and social security45€22k€27k▲
Taxes450/3€11k€14k▲
Remuneration and social security454/9€11k€13k▲
Other amounts payable47/48€302€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€98k€140k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€16k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€166k€229k▲
Operating profit (loss)9901€50k€72k▲
Financial income75/76B€273€496▲
Recurring financial income75€273€496▲
Financial charges65/66B€5k€2k▼
Recurring financial charges65€5k€2k▼
Profit (loss) for the period before taxes9903€45k€70k▲
Income taxes67/77€16k€23k▲
Profit (loss) for the period9904€29k€47k▲
Profit (loss) for the period to be appropriated9905€29k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€47k▲
Transfer to equity691/2€29k€29k▲
To other reserves6921€29k€29k▲
Profit to be distributed694/7-€18k
Return on contributions (dividend)694-€18k
The notes to these accounts (8 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €47k ▲62.1%
Operating result €72k, net result €47k, both a record.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
31-12
Financial
Weakest financial yearnet €-5k ▼25617%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 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, Pepingen · 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.
Eikstraat(BR) 201673 PepingenGround area
414 m²
Building footprint
204 m²
Volume, LiDAR
1,290 m³
Parcel 23004A0338/00P000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Eikstraat(BR) 20, 1673 Pepingen
since 20182.272.667.636
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23004A0338/00P000 | Flanders | 414 m² | 1 · 204 m² | 8.7 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
2024 · 1 entry · 331 EUR awarded · 331 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 331 EUR | 331 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 22,822 companies in sector 43211 we hold annual accounts for 10,324. 8,811 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2018
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.