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DE PENSOOL

Active
Public limited companyfounded 199629 yrs activeKwinten 37, 3790 Voeren, BelgiumKBO/BCE: BE 0459.170.680
Summary

DE PENSOOL has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €248,124 and a net result of €33,809. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 84% of 1478 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
DE PENSOOLActiveChecked score 98/100
Risk analysis ReportCompare

Overview

Activity
Holiday cottages, homes and apartments
NACE 55203
#2 oldest company in Voeren, Accommodation and food service sector2 sites
Size
€360,320total assets 2025
Equity
€248,124
Profit
€33,809
Turnover not published (abridged schema)
Financial health
98 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts 45 d early0 of 6 deeds read
Why 98+ Liquidity: current ratio 2.37, cash €249,788+ Equity €248,124 (68.9% of total assets)+ Founded in 1996+ Size: total assets €360,320Show the evidence

Checked score

Score 2025
98 / 100
Excellent
Probability in this band: under 0.55%
Better than 81% of its sector peers (NACE 55, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 94+2
equity 68.9% of total assets
Liquidity 87+1
short-term debt 30.6% · cash 69.3%
Profitability 80-5
return on assets 9.4%
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% (2,490 companies)
Last 24 months 11-2024: < 0.1%highest value 12-2024: < 0.1%▼ -2.6% vs 11-2024 01-2025: < 0.1%● 0.0% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%▼ -10.5% vs 02-2025 04-2025: < 0.1%● 0.0% vs 03-2025 05-2025: < 0.1%● 0.0% vs 04-2025 06-2025: < 0.1%● 0.0% vs 05-2025 07-2025: < 0.1%● 0.0% vs 06-2025 08-2025: < 0.1%▲ +2.9% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%▼ -5.7% vs 09-2025lowest value 11-2025: < 0.1%● 0.0% vs 10-2025lowest value 12-2025: < 0.1%● 0.0% vs 11-2025lowest value 01-2026: < 0.1%● 0.0% vs 12-2025lowest value 02-2026: < 0.1%● 0.0% vs 01-2026lowest value 03-2026: < 0.1%● 0.0% vs 02-2026lowest value 04-2026: < 0.1%▲ +9.1% vs 03-2026 05-2026: < 0.1%● 0.0% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%● 0.0% vs 06-2026 08-2026: < 0.1%● 0.0% vs 07-2026 09-2026: < 0.1%● 0.0% vs 08-2026 10-2026: < 0.1%▼ -8.3% vs 09-2026lowest value
  • Liquidity: current ratio 2.37, cash €249,788 lowers the probability
  • Equity €248,124 (68.9% of total assets) lowers the probability
  • Founded in 1996 lowers the probability for this profile
  • Size: total assets €360,320 lowers the probability for this profile
Credit up to €24,000 at 30 days acceptable
Liquidity ample (current ratio 2.37 against 2.17 in 2024; short-term debt: 30.6% and cash: 69.3% of total assets), and 31.1% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 55, micro). Better than this share of them on solvency 83%, liquidity 92%, profitability 80%, growth against the median 69%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Liquidity: current ratio 2.37, cash €249,788
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €248,124 (68.9% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1996
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Size: total assets €360,320
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-03-2026, 45 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
45 d early
2024
76 d early
2023
61 d early
2022
54 d early
2021
53 d early
2020
31 d early
2019
34 d 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 51 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 45% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 7 March (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close03-10-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Equity above €200,000Eq €220,818 ▲24.7%

Key points

  • Positive: Oldest company in Voeren, Accommodation and food service…in the Checked rankings #2 View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Active since 1996founded 05-11-1996 29 years View

By topic

Financials

Fiscal year
2025
Total assets
€360,320
Profit
€33,809
Solvency
68.9%
Total assets▲ 9.6%
Net result
20192025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 30-04-2027
  1. 16-03-2026Annual accounts filed
  2. 13-02-2025Annual accounts filed
  3. 30-09-2024Equity above €200,000
Go to Timeline

Company details

Sites
2
Legal form
Public limited company
Activity
Holiday cottages, homes and apartmentsNACE 55203
Founded
05-11-1996
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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