ID PUNT
ActiveSummary
ID PUNT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €8k. Equity is growing by ~21.4% per year across the filed fiscal years. Its solvency ranks better than 59% of 2043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-14
Solvency80▼-1
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.05 against 2.45 in 2024; short-term debt: 33.7% and cash: 43.6% of total assets), and 45.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 85
Relative position
BE, all sectors
reference
Sector 85
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
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
54.8%
Return on assets
8.4%
Age of the figures
9 mo
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 20-07-2026, 11 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
11 d early
2024
17 d early
2023
15 d early
2022
27 d early
2021
59 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▼ 15.4%
2024 · €62k
2021: €23k
2022: €32k
2023: €41k
2024: €62k
2021 → 2025
Total assets
€95k▼ 13.3%
2024 · €110k
2021: €42k
2022: €49k
2023: €99k
2024: €110k
2021 → 2025
Net result
€8k▼ 62.4%
2024 · €21k
2021: €14k
2022: €11k
2023: €8k
2024: €21k
2021 → 2025
Working capital
€34k▼ 21.8%
2024 · €43k
2021: €7k
2022: €18k
2023: €19k
2024: €43k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€32k▲ 40.9%€41k▲ 26.3%€62k▲ 52.1%€52k▼ 15.4%
Operating result€20k-€17k▼ 12.9%€14k▼ 16.4%€37k▲ 158%€16k▼ 57.5%
Net result€14k-€11k▼ 24.2%€8k▼ 22.7%€21k▲ 151%€8k▼ 62.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 58% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €95k
Fixed assets
€29k ▼ 20.3%
Current assets
€66k ▼ 9.8%
Equity and liabilities €95k
Equity
€52k ▼ 15.4%
Debt
€43k ▼ 10.6%
Debt's share of the balance-sheet total rises from 43.8% to 45.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€27k▼
2024 · €48k
Cash flow
€19k▼
2024 · €32k
Current ratio
2.05▼
2024 · 2.45
Debt to equity
0.82▲
2024 · 0.78
ROE
15.2%▼
2024 · 34.3%
ROA
8.4%▼
2024 · 19.2%
Interest coverage
14.63▼
2024 · 21.04
Debt ≤ 1 year
€32k▲
2024 · €30k
Debt > 1 year
€11k▼
2024 · €18k
Income taxes
€6k▼
2024 · €13k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€110k€95k▼
Fixed assets21/28€37k€29k▼
Intangible fixed assets21€3k€3k▼
Tangible fixed assets22/27€34k€26k▼
Furniture and vehicles24€34k€26k▼
Current assets29/58€73k€66k▼
Amounts receivable within one year40/41€908€24k▲
Trade receivables40€908€24k▲
Other amounts receivable41€0€67▲
Cash at bank and in hand54/58€69k€42k▼
Deferred charges and accrued income490/1€3k€613▼
Equity and liabilities
Total equity and liabilities10/49€110k€95k▼
Equity10/15€62k€52k▼
Contributions10/11€10k€10k=
Reserves13€52k€42k▼
Distributable reserves133€52k€42k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€48k€43k▼
Amounts payable after more than one year17€18k€11k▼
Financial debts170/4€18k€11k▼
Amounts payable within one year42/48€30k€32k▲
Current portion of amounts payable after more than one year42€7k€8k▲
Trade debts44€593€11k▲
Suppliers440/4€593€11k▲
Taxes, remuneration and social security45€11k€2k▼
Taxes450/3€11k€2k▼
Other amounts payable47/48€11k€11k▼
Accrued charges and deferred income492/3€0€289▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€49k€28k▼
Operating profit (loss)9901€37k€16k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€34k€14k▼
Income taxes67/77€13k€6k▼
Profit (loss) for the period9904€21k€8k▼
Profit (loss) for the period to be appropriated9905€21k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€8k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2-€18k
Transfer to equity691/2€21k€8k▼
To other reserves6921€21k€8k▼
Profit to be distributed694/7-€18k
Return on contributions (dividend)694-€18k
The notes to these accounts (9 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €8k ▼62.4%
Net result drops to €8k, the lowest in the series.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €21k ▲151%
Operating result €37k, net result €21k, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Harelbeke · 1 establishment unit since 2020
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.
Olmenlaan 18530 HarelbekeGround area
422 m²
Building footprint
139 m²
Volume, LiDAR
754 m³
Parcel 34322B0442/00B002, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ID PUNT
since 20202.311.330.153
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34322B0442/00B002 | Flanders | 422 m² | 1 · 138 m² | 8.9 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
2025 · 1 entry · 147 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 147 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 948 companies in sector 85699 we hold annual accounts for 147. 90 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
Founded23-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
85699Other educational support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.