DE PUNTZEEF
ActiveDE PUNTZEEF has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €301k and a net result of €16k. Equity is shrinking by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 64% of 3668 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-4
Solvency69▲+15
Growth58=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity short (current ratio 0.59 against 0.74 in 2024; short-term debt: 24.6% and cash: 4.1% of total assets), and 56.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
43.8%
Return on assets
2.3%
Age of the figures
15 mo
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 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €301k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
51 d early
2023
on the day
2022
on the day
2021
3 d early
2020
2 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€301k▲ 5.5%
2024 · €285k
2019: €338k
2020: €290k
2021: €359k
2022: €339k
2023: €232k
2024: €285k
2019 → 2025
Total assets
€687k▼ 29.3%
2024 · €972k
2019: €1.21M
2020: €1.04M
2021: €1.14M
2022: €1.07M
2023: €992k
2024: €972k
2019 → 2025
Net result
€16k▼ 70.0%
2024 · €52k
2019: €14k
2020: €-48k
2021: €69k
2022: €-20k
2023: €-107k
2024: €52k
2019 → 2025
Working capital
€-69k▲ 34.2%
2024 · €-106k
2019: €-227k
2020: €-243k
2021: €-132k
2022: €-135k
2023: €-194k
2024: €-106k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€359k-€339k▼ 5.5%€232k▼ 31.5%€285k▲ 22.6%€301k▲ 5.5%
Operating result€87k-€-6k€-95k▼ 1,609%€67k€28k▼ 57.5%
Net result€69k-€-20k€-107k▼ 443%€52k€16k▼ 70.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 57% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €687k
Fixed assets
€587k▼ 13.0%
Current assets
€100k▼ 66.4%
Equity and liabilities €687k
Equity
€301k▲ 5.5%
Debt
€386k▼ 43.7%
The debt ratio falls from 70.7% to 56.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€93k▼
2024 · €143k
Cash flow
€80k▼
2024 · €129k
Solvency
43.8%▲
2024 · 29.3%
Current ratio
0.59▼
2024 · 0.74
Quick ratio
0.58▼
2024 · 0.70
Debt / equity
1.29▼
2024 · 2.41
ROE
5.2%▼
2024 · 18.4%
ROA
2.3%▼
2024 · 5.4%
Interest coverage
7.17▼
2024 · 9.93
Debt
€386k▼
2024 · €687k
Debt ≤ 1 year
€169k▼
2024 · €402k
Debt > 1 year
€191k▼
2024 · €257k
Staff costs
€214k▼
2024 · €596k
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€972k€687k▼
Fixed assets21/28€675k€587k▼
Tangible fixed assets22/27€675k€587k▼
Land and buildings22€524k€487k▼
Plant, machinery and equipment23€150k€97k▼
Furniture and vehicles24€0€3k▲
Financial fixed assets28-€275
Current assets29/58€297k€100k▼
Stocks and contracts in progress3€13k€1k▼
Stocks30/36€13k€1k▼
Amounts receivable within one year40/41€259k€67k▼
Trade receivables40€255k€53k▼
Other amounts receivable41€4k€14k▲
Cash at bank and in hand54/58€13k€28k▲
Deferred charges and accrued income490/1€11k€3k▼
Equity and liabilities
Total equity and liabilities10/49€972k€687k▼
Equity10/15€285k€301k▲
Contributions10/11€406k€406k=
Reserves13€0-
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Profit (loss) carried forward14€-121k€-106k▲
Amounts payable17/49€687k€386k▼
Amounts payable after more than one year17€257k€191k▼
Financial debts170/4€257k€191k▼
Amounts payable within one year42/48€402k€169k▼
Current portion of amounts payable after more than one year42€42k€33k▼
Financial debts43€19€0▼
Credit institutions430/8€19€0▼
Trade debts44€130k€8k▼
Suppliers440/4€130k€8k▼
Taxes, remuneration and social security45€71k€12k▼
Taxes450/3€37k€9k▼
Remuneration and social security454/9€34k€3k▼
Other amounts payable47/48€159k€117k▼
Accrued charges and deferred income492/3€27k€27k▼
Income statement
Code20242025
Non-recurring operating income76A€516€0▼
Remuneration, social security and pensions62€596k€214k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€77k€64k▼
Other operating charges640/8€6k€5k▼
Gross operating margin9900€745k€311k▼
Operating profit (loss)9901€67k€28k▼
Financial income75/76B€433€367▼
Recurring financial income75€433€367▼
Financial charges65/66B€14k€13k▼
Recurring financial charges65€14k€13k▼
Profit (loss) for the period before taxes9903€52k€16k▼
Profit (loss) for the period9904€52k€16k▼
Profit (loss) for the period to be appropriated9905€52k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-122k€-106k▲
Profit (loss) brought forward from the previous period14P€-174k€-121k▲
Transfer from equity791/2€183€0▼
Social balance
Average headcount (FTE)908716.416.4=
The notes to these accounts (21 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
11-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Back to profitnet €52k
Net result €52k after 2 loss-making years.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Weakest financial yearnet €-107k
Net result drops to €-107k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Back to profitnet €69k
Net result €69k after one loss-making year.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
08-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 8 days late
2018
25-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
20-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Puurs-Sint-Amands · 1 establishment unit since 2008
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.
R. Verbelenstraat 322870 Puurs-Sint-AmandsGround area
3,279 m²
Building footprint
1,393 m²
Volume, LiDAR
11,165 m³
2 parcels, Flanders · tallest building 13.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
De Puntzeef
since 20082.174.115.042
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12030B0107/00T000 | Flanders | 2,157 m² | 1 · 1,074 m² | 13.7 m · 4 fl. |
| 12030D0664/00M000 | Flanders | 1,122 m² | 1 · 319 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2023 · 1 entry · 1,108 EUR awarded · 1,108 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,108 EUR | 1,108 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Food safety, FASFC
1 sitePuurs-Sint-Amands2.174.115.042
Dual-learning approval
5 live approvals · 1 endedKeukenmedewerker (vwo)
Keukenmedewerker duaal (so)
Kok (vwo)
Kok duaal (so)
Restaurant en keuken duaal (so)
Similar companies · same sector, comparable size
MAALTIJD SERVICE
BE 0417.603.410
Harelbeke · Eq €299k
Soesji
BE 0822.245.244
Olen · Eq €297k
THARIS
BE 0467.089.642
Mortsel · Eq €295k
Cooking and Go
BE 0826.425.944
Wavre · Eq €307k
ELYSIUM
BE 0665.739.803
Arlon · Eq €307k
Of 1,352 companies in sector 56220 we hold annual accounts for 405. 252 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2008
Fiscal year end30-06
Activities, NACEBEL
56210Event catering
56220Contract catering and other food service activities
56290Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.