Le Pré - Texte - Het Pretext
ActiveLe Pré - Texte - Het Pretext has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €316k and a net result of €2k. Equity is shrinking by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 63% of 463 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▲+41
Solvency88▲+4
Growth55▲+16
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 1.99 against 2.03 in 2024; short-term debt: 36.3% and cash: 13.5% of total assets), and 36.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 88
Relative position
BE, all sectors
reference
Sector 88
lower
← 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
63.3%
Return on assets
0.5%
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
38 d early
2023
58 d early
2022
60 d early
2021
34 d early
2020
61 d early
2019
31 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€1.54M▲ 0.3%
2024 · €1.53M
2018: €1.11M
2019: €1.15M
2020: €1.15M
2021: €1.18M
2022: €1.28M
2023: €1.21M
2024: €1.53M
2018 → 2025
EBIT margin
0.0%▲ 2.1pp
2024 · -2.1%
2018: -0.4%
2019: 0.0%
2020: 0.5%
2021: 0.5%
2022: 0.1%
2023: -0.9%
2024: -2.1%
2018 → 2025
Net result
€2k
2024 · €-32k
2018: €-5k
2019: €5k
2020: €6k
2021: €9k
2022: €995
2023: €-11k
2024: €-32k
2018 → 2025
Working capital
€180k▼ 9.4%
2024 · €199k
2018: €197k
2019: €206k
2020: €200k
2021: €211k
2022: €171k
2023: €140k
2024: €199k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.18M-€1.28M▲ 9.0%€1.21M▼ 5.5%€1.53M▲ 26.4%€1.54M▲ 0.3%
Equity€400k-€390k▼ 2.7%€372k▼ 4.5%€327k▼ 12.2%€316k▼ 3.3%
Operating result€6k-€990▼ 83.5%€-11k€-32k▼ 187%€-380▲ 98.8%
Net result€9k-€995▼ 88.5%€-11k€-32k▼ 188%€2k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €380 in 2025 against €32k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €499k
Fixed assets
€138k▼ 14.9%
Current assets
€361k▼ 7.6%
Equity and liabilities €499k
Equity
€316k▼ 3.3%
Provisions
€0▼ 100%
Debt
€183k▼ 5.2%
The debt ratio rises from 34.9% to 36.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€26k▲
2024 · €-6k
Cash flow
€29k▲
2024 · €-6k
Solvency
63.3%▲
2024 · 59.1%
Current ratio
1.99▼
2024 · 2.03
Quick ratio
1.99▼
2024 · 2.03
Debt / equity
0.58▼
2024 · 0.59
ROE
0.7%▲
2024 · -9.8%
ROA
0.5%▲
2024 · -5.8%
Interest coverage
351.97▲
2024 · -52.89
Debt
€183k▼
2024 · €193k
Debt ≤ 1 year
€181k▼
2024 · €193k
Staff costs
€1.37M▲
2024 · €1.29M
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€553k€499k▼
Fixed assets21/28€162k€138k▼
Tangible fixed assets22/27€162k€138k▼
Land and buildings22€124k€110k▼
Plant, machinery and equipment23€4k€4k▼
Furniture and vehicles24€26k€17k▼
Assets under construction and advance payments27€8k€8k=
Current assets29/58€391k€361k▼
Amounts receivable within one year40/41€315k€224k▼
Trade receivables40€4k€5k▲
Other amounts receivable41€311k€218k▼
Cash at bank and in hand54/58-€68k
Deferred charges and accrued income490/1€76k€70k▼
Equity and liabilities
Total equity and liabilities10/49€553k€499k▼
Equity10/15€327k€316k▼
Profit (loss) carried forward14€219k€221k▲
Investment grants15€108k€95k▼
Provisions and deferred taxes16€33k-
Provisions for liabilities and charges160/5€33k-
Other liabilities and charges164/5€33k-
Amounts payable17/49€193k€183k▼
Amounts payable within one year42/48€193k€181k▼
Financial debts43€825-
Credit institutions430/8€825-
Trade debts44€26k€20k▼
Suppliers440/4€26k€20k▼
Taxes, remuneration and social security45€135k€142k▲
Taxes450/3€285-
Remuneration and social security454/9€135k€142k▲
Accrued charges and deferred income492/3€771€2k▲
Income statement
Code20242025
Turnover70€1.53M€1.54M▲
Goods, raw materials, services and sundry goods60/61€156k€171k▲
Remuneration, social security and pensions62€1.29M€1.37M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€27k▲
Other operating charges640/8€4k€2k▼
Non-recurring operating charges66A€80k€1k▼
Gross operating margin9900€1.38M€1.36M▼
Operating profit (loss)9901€-32k€-380▲
Financial income75/76B€142€3k▲
Recurring financial income75€142€298▲
Non-recurring financial income76B-€2k
Financial charges65/66B€115€75▼
Recurring financial charges65€115€75▼
Profit (loss) for the period before taxes9903€-32k€2k▲
Profit (loss) for the period9904€-32k€2k▲
Profit (loss) for the period to be appropriated9905€-32k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€219k€221k▲
Profit (loss) brought forward from the previous period14P€251k€219k▼
Social balance
Average headcount (FTE)908719.319.5▲
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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €9k ▲33.4%
Operating result €6k, net result €9k, both a record.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
19-12-2025
Alice Willox: Resigned as Director
22-02-2024
Bernard Hubeau: Resigned as Manager
22-02-2023
Josette BOIGELOT: Resigned as Director
11-02-2021
Michel Poma: Resigned as Director
11-02-2021
Patricia Vander Bruggen: Resigned as Director
11-02-2021
Stéphane Zeegers: Resigned as Director
11-02-2021
Élisabeth Collet: Resigned as Director
Location & real-estate footprint
Registered office, Ukkel · 1 establishment unit since 1977
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.
Kersbeeklaan 3401180 UkkelGround area
246 m²
Building footprint
252 m²
Volume, LiDAR
1,945 m³
Parcel 21616G0030/00D009, Brussels · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Le Pré - Texte - Het Pretext
since 19772.157.528.735
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616G0030/00D009 | Brussels | 246 m² | 1 · 252 m² | 11.6 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteUkkel2.157.528.735
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Of 284 companies in sector 88993 we hold annual accounts for 246. 136 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded04-07-1977
Fiscal year end31-12
Activities, NACEBEL
85322
88993Social work activities without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.