MAISON PONCELET
ActiveMAISON PONCELET has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €197k and a net result of €-11k. Equity is shrinking by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 49% of 36377 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-30
Solvency69▼-3
Growth32=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.01 against 1.16 in 2023), and 53.9% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
46.1%
Return on assets
-2.5%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-06-2025, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
42 d early
2023
55 d early
2022
33 d early
2021
53 d early
2020
52 d early
2019
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€197k▼ 5.2%
2023 · €208k
2018: €356k
2019: €380k
2020: €358k
2021: €178k
2022: €195k
2023: €208k
2018 → 2024
Total assets
€427k▼ 5.8%
2023 · €454k
2018: €508k
2019: €512k
2020: €480k
2021: €474k
2022: €446k
2023: €454k
2018 → 2024
Net result
€-11k
2023 · €13k
2018: €16k
2019: €23k
2020: €-22k
2021: €40k
2022: €17k
2023: €13k
2018 → 2024
Working capital
€2k▼ 93.0%
2023 · €32k
2018: €223k
2019: €214k
2020: €196k
2021: €23k
2022: €12k
2023: €32k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€358k-€178k▼ 50.2%€195k▲ 9.4%€208k▲ 6.5%€197k▼ 5.2%
Operating result€-19k-€46k€23k▼ 49.6%€19k▼ 16.7%€-9k
Net result€-22k-€40k€17k▼ 58.3%€13k▼ 24.8%€-11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €9k after €19k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €427k
Fixed assets
€227k▲ 2.3%
Current assets
€200k▼ 13.5%
Equity and liabilities €427k
Equity
€197k▼ 5.2%
Debt
€230k▼ 6.3%
The debt ratio falls from 54.2% to 53.9%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€12k▼
2023 · €43k
Cash flow
€11k▼
2023 · €36k
Solvency
46.1%▲
2023 · 45.8%
Current ratio
1.01▼
2023 · 1.16
Quick ratio
0.44▼
2023 · 0.56
Debt / equity
1.17▼
2023 · 1.18
ROE
-5.5%▼
2023 · 6.1%
ROA
-2.5%▼
2023 · 2.8%
Interest coverage
8.74▼
2023 · 26.02
Debt
€230k▼
2023 · €246k
Debt ≤ 1 year
€198k▼
2023 · €199k
Debt > 1 year
€32k▼
2023 · €46k
Staff costs
€25k▲
2023 · €24k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€454k€427k▼
Fixed assets21/28€222k€227k▲
Tangible fixed assets22/27€222k€227k▲
Land and buildings22€221k€215k▼
Plant, machinery and equipment23-€11k
Furniture and vehicles24€747€270▼
Current assets29/58€232k€200k▼
Stocks and contracts in progress3€120k€112k▼
Stocks30/36€120k€112k▼
Amounts receivable within one year40/41€13k€8k▼
Trade receivables40€13k€5k▼
Other amounts receivable41-€3k
Cash at bank and in hand54/58€99k€80k▼
Deferred charges and accrued income490/1-€138
Equity and liabilities
Total equity and liabilities10/49€454k€427k▼
Equity10/15€208k€197k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€68k€68k=
Non-distributable reserves130/1€37k€37k=
Reserves not available under the articles1311€17k€17k=
Other1319€20k€20k=
Distributable reserves133€31k€31k=
Profit (loss) carried forward14€78k€67k▼
Amounts payable17/49€246k€230k▼
Amounts payable after more than one year17€46k€32k▼
Financial debts170/4€46k€32k▼
Amounts payable within one year42/48€199k€198k▼
Current portion of amounts payable after more than one year42€14k€14k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€16k€16k▲
Taxes450/3€8k€8k▼
Remuneration and social security454/9€8k€8k▲
Other amounts payable47/48€168k€166k▼
Income statement
Code20232024
Remuneration, social security and pensions62€24k€25k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€21k▼
Other operating charges640/8€6k€6k▲
Gross operating margin9900€73k€43k▼
Operating profit (loss)9901€19k€-9k▼
Financial income75/76B€112-
Recurring financial income75€9-
Non-recurring financial income76B€103-
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€18k€-11k▼
Income taxes67/77€5k-
Profit (loss) for the period9904€13k€-11k▼
Profit (loss) for the period to be appropriated9905€13k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€90k€67k▼
Profit (loss) brought forward from the previous period14P€77k€78k▲
Transfer to equity691/2€12k-
To other reserves6921€12k-
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €208k ▲6.5%
3 profitable years in a row build equity to €208k.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-22k ▼194%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 43 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Paliseul · 1 establishment unit since 1998
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 Saint-Roch 36850 PaliseulGround area
765 m²
Building footprint
102 m²
Volume, LiDAR
1,150 m³
Parcel 84050A0022/00F000, Wallonia · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue Saint-Roch 3, 6850 Paliseul
since 19982.087.711.105
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84050A0022/00F000 | Wallonia | 765 m² | 1 · 102 m² | 13.9 m · 4 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.
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SVEN CORDEEL
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INTERDECOR
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PETER HUYS
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Of 7,816 companies in sector 43341 we hold annual accounts for 2,640. 2,049 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded12-06-1998
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
45441
47521Retail sale of hardware, building materials, paint and glass (general range)
52461
47530Retail trade
52486
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.