Le Pré - Texte - Het Pretext
ActiveSummary
Le 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
Six 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 →
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, 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%
Debt's share of the balance-sheet total 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
Current ratio
1.99▼
2024 · 2.03
Debt to 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 ≤ 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 to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
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
12 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, 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. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded04-07-1977
Fiscal year end31-12
Activities, NACEBEL 2025
88993Social work activities without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.