FROMAGERIE DU PONT DE PIERRE
ActiveSummary
FROMAGERIE DU PONT DE PIERRE has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €495k and a net result of €459k. Equity is shrinking by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 39% of 4867 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency61▼-24
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 1.31 in 2024; short-term debt: 51% and cash: 16.1% of total assets), and 64.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
35.8%
Return on assets
33.2%
Age of the figures
12 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 24-03-2026, 37 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
37 d early
2024
33 d early
2023
40 d early
2022
40 d early
2021
42 d early
2020
38 d early
2019
39 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€459k▲ 12.3%
2024 · €408k
2018: €158k
2019: €186k
2020: €230k
2021: €380k
2022: €241k
2023: €351k
2024: €408k
2018 → 2025
Working capital
€212k▲ 79.6%
2024 · €118k
2018: €566k
2019: €485k
2020: €418k
2021: €70k
2022: €-211k
2023: €-113k
2024: €118k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€508k-€442k▼ 13.0%€337k▼ 23.7%€741k▲ 120%€495k▼ 33.2%
Operating result€502k-€315k▼ 37.3%€460k▲ 46.2%€535k▲ 16.3%€508k▼ 5.0%
Net result€380k-€241k▼ 36.6%€351k▲ 45.8%€408k▲ 16.2%€459k▲ 12.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.38M
Fixed assets
€466k ▼ 36.3%
Current assets
€917k ▲ 82.9%
Equity and liabilities €1.38M
Equity
€495k ▼ 33.2%
Debt
€888k ▲ 80.8%
Debt's share of the balance-sheet total rises from 39.9% to 64.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€577k▼
2024 · €592k
Cash flow
€528k▲
2024 · €465k
Current ratio
1.30▼
2024 · 1.31
Quick ratio
1.17▲
2024 · 1.11
Debt to equity
1.80▲
2024 · 0.66
ROE
92.7%▲
2024 · 55.1%
ROA
33.2%▲
2024 · 33.1%
Interest coverage
54.70▼
2024 · 66.00
Debt ≤ 1 year
€705k▲
2024 · €383k
Debt > 1 year
€183k▲
2024 · €108k
Income taxes
€125k▼
2024 · €129k
Staff costs
€184k▲
2024 · €138k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.23M€1.38M▲
Fixed assets21/28€731k€466k▼
Tangible fixed assets22/27€321k€343k▲
Land and buildings22€297k€282k▼
Plant, machinery and equipment23€1k€45k▲
Furniture and vehicles24€23k€17k▼
Financial fixed assets28€410k€123k▼
Current assets29/58€501k€917k▲
Stocks and contracts in progress3€77k€95k▲
Stocks30/36€77k€95k▲
Amounts receivable within one year40/41€183k€598k▲
Trade receivables40€183k€180k▼
Other amounts receivable41€180€417k▲
Current investments50/53€106k€5▼
Cash at bank and in hand54/58€135k€222k▲
Deferred charges and accrued income490/1€579€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.23M€1.38M▲
Equity10/15€741k€495k▼
Contributions10/11€19k€19k=
Reserves13€462k€462k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Tax-exempt reserves132€198k€198k=
Distributable reserves133€260k€260k=
Profit (loss) carried forward14€242k€469▼
Investment grants15€19k€14k▼
Amounts payable17/49€491k€888k▲
Amounts payable after more than one year17€108k€183k▲
Financial debts170/4€108k€183k▲
Amounts payable within one year42/48€383k€705k▲
Current portion of amounts payable after more than one year42€48k€45k▼
Trade debts44€88k€139k▲
Suppliers440/4€88k€139k▲
Advances received on contracts in progress46€91k€36k▼
Taxes, remuneration and social security45€21k€23k▲
Taxes450/3€8k-
Remuneration and social security454/9€12k€23k▲
Other amounts payable47/48€136k€462k▲
Income statement
Code20242025
Remuneration, social security and pensions62€138k€184k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€57k€69k▲
Other operating charges640/8€6k€6k▼
Gross operating margin9900€736k€767k▲
Operating profit (loss)9901€535k€508k▼
Financial income75/76B€11k€86k▲
Recurring financial income75€11k€86k▲
Financial charges65/66B€9k€11k▲
Recurring financial charges65€9k€11k▲
Profit (loss) for the period before taxes9903€537k€584k▲
Income taxes67/77€129k€125k▼
Profit (loss) for the period9904€408k€459k▲
Transfer to tax-exempt reserves689€168k-
Profit (loss) for the period to be appropriated9905€240k€459k▲
Appropriation of the result
Profit (loss) to be appropriated9906€242k€700k▲
Profit (loss) brought forward from the previous period14P€2k€242k▲
Profit to be distributed694/7-€700k
Return on contributions (dividend)694-€700k
Social balance
Average headcount (FTE)90872.93.7▲
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
Next filing, fiscal year 2026, expected by
2026
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-09
Financial
Highest result since 2018net €459k ▲12.3%
Net result €459k, the highest in the series.
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-09
Financial
Equity above €500kEq €741k ▲120%
7 profitable years in a row build equity to €741k.
22-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
21-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
19-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
23-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 39 days late
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
09-04
NBB filing
Annual accounts filed
fiscal year 2017 · full 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, Philippeville · 1 establishment unit since 2001
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.
Rue de Vodecée(VOD) 85600 PhilippevilleGround area
5,911 m²
Building footprint
63 m²
Parcel 93085C0091/00X002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de Vodecée(VOD) 8, 5600 Philippeville
since 20012.093.385.506
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93085C0091/00X002 | Wallonia | 5,911 m² | 1 · 63 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 sitePhilippeville2.093.385.506
Similar companies · same sector, comparable size
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BE 0687.532.832
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Doische · Eq €516k
Belgian Milk Company
BE 0428.269.648
Zonhoven · Eq €459k
JAMILA PRODUCTS
BE 0839.239.149
Sint-Jans-Molenbeek · Eq €535k
Zuivelprodukten Goossens
BE 0402.681.741
Herzele · Eq €446k
Of 392 companies in sector 46331 we hold annual accounts for 228. 162 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2001
Fiscal year end30-09
Activities, NACEBEL 2025
10510Manufacture of food products
46331Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.