P&E TRADING
ActiveSummary
The annual accounts of P&E TRADING for fiscal year 2025 show a net loss of 78% of total assets and of 70% of the equity at the start of that year. The 2025 annual accounts show equity of €15,603 and a net result of -€36,667. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 49% of 18606 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-60
Solvency58▼-22
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.36 against 1.52 in 2024; short-term debt: 60.3% and cash: 47.7% of total assets), and 66.8% of the assets are financed with debt.
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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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
33.2%
Return on assets
-78%
Age of the figures
9 mo
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€36,667
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
27 d late
2023
67 d late
2022
56 d late
2021
25 d late
2020
26 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 25 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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. Usually files around 27 August (4 of the last 5 filed years within 41 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€36,667▼ 445%
2024 · -€6,728
Working capital
€10,344▼ 53.9%
2024 · €22,436
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€51,738▲ 936%-€8,042€30,395-€6,398-€36,401▼ 469%
Net result€45,994within the sector's middle half▲ 858%-€8,398below the sector's middle half€20,104within the sector's middle half-€6,728below the sector's middle half-€36,667below the sector's middle half▼ 445%
Equity€47,291below the sector's middle half▲ 3,545%€38,893within the sector's middle half▼ 17.8%€58,998within the sector's middle half▲ 51.7%€52,270within the sector's middle half▼ 11.4%€15,603within the sector's middle half▼ 70.1%
Total assets€99,736below the sector's middle half▲ 25.1%€103,661within the sector's middle half▲ 3.9%€88,612within the sector's middle half▼ 14.5%€95,395within the sector's middle half▲ 7.7%€47,036below the sector's middle half▼ 50.7%
Debt€52,445▼ 33.2%€64,768▲ 23.5%€29,614▼ 54.3%€43,125▲ 45.6%€31,432▼ 27.1%
Working capital€8,201within the sector's middle half€4,138within the sector's middle half▼ 49.5%€25,830within the sector's middle half▲ 524%€22,436within the sector's middle half▼ 13.1%€10,344within the sector's middle half▼ 53.9%
Solvency47.4%within the sector's middle half▲ 45.8pp37.5%within the sector's middle half▼ 9.9pp66.6%above the sector's middle half▲ 29.1pp54.8%within the sector's middle half▼ 11.8pp33.2%within the sector's middle half▼ 21.6pp
Current ratio1.16within the sector's middle half▲ 0.561.06within the sector's middle half▼ 0.091.87within the sector's middle half▲ 0.811.52within the sector's middle half▼ 0.351.36within the sector's middle half▼ 0.16
Return on assets (ROA)46.1%above the sector's middle half▲ 40.1pp-8.1%below the sector's middle half▼ 54.2pp22.7%above the sector's middle half▲ 30.8pp-7.1%below the sector's middle half▼ 29.7pp-78.0%below the sector's middle half▼ 70.9pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €36,401 in 2025 against €6,398 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47,036
Fixed assets
€8,311 ▼ 72.1%
Current assets
€38,724 ▼ 40.9%
Equity and liabilities €47,036
Equity
€15,603 ▼ 70.1%
Debt
€31,432 ▼ 27.1%
Debt's share of the balance-sheet total rises from 45.2% to 66.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€31,936▼
2024 · €3,798
Cash flow
-€32,202▼
2024 · €3,468
Debt to equity
2.01▲
2024 · 0.83
ROE
-235.0%▼
2024 · -12.9%
Interest coverage
-118.90▼
2024 · 11.32
Debt ≤ 1 year
€28,380▼
2024 · €43,125
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,815 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 88% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.9%
went bankrupt
9.8%
stopped otherwise
88%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,815 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,258 | €11,447 | €11,420 | €10,196 | €4,465 | ▼ 56.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €14,296 | - | - | - | - | - |
| Other operating charges640/8 | €3,032 | €348 | €1,135 | €387 | €21,116 | ▲ 5,352% |
| Non-recurring operating charges66A | €3,887 | - | - | - | - | - |
| Gross operating margin9900 | €82,211 | €3,752 | €42,950 | €4,185 | -€10,820 | ▼ 359% |
| Operating profit (loss)9901 | €51,738 | -€8,042 | €30,395 | -€6,398 | -€36,401 | ▼ 469% |
| Financial income75/76B | €0 | €90 | €32 | €6 | €3 | ▼ 49.6% |
| Recurring financial income75 | €0 | €90 | €32 | €6 | €3 | ▼ 49.6% |
| Financial charges65/66B | €203 | €446 | €272 | €335 | €269 | ▼ 19.9% |
| Recurring financial charges65 | €203 | €446 | €272 | €335 | €269 | ▼ 19.9% |
| Profit (loss) for the period before taxes9903 | €51,535 | -€8,398 | €30,154 | -€6,728 | -€36,667 | ▼ 445% |
| Income taxes67/77 | €5,541 | - | €10,050 | - | - | - |
| Profit (loss) for the period9904 | €45,994 | -€8,398 | €20,104 | -€6,728 | -€36,667 | ▼ 445% |
| Profit (loss) for the period to be appropriated9905 | €45,994 | -€8,398 | €20,104 | -€6,728 | -€36,667 | ▼ 445% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €99,736 | €103,661 | €88,612 | €95,395 | €47,036 | ▼ 50.7% |
| Fixed assets21/28 | €39,091 | €34,756 | €33,168 | €29,834 | €8,311 | ▼ 72.1% |
| Intangible fixed assets21 | €1,440 | - | - | - | - | - |
| Tangible fixed assets22/27 | €37,651 | €34,756 | €33,168 | €29,834 | €8,311 | ▼ 72.1% |
| Plant, machinery and equipment23 | €15,642 | €12,831 | €12,198 | €9,287 | €4,169 | ▼ 55.1% |
| Furniture and vehicles24 | €16,419 | €17,135 | €14,595 | €12,457 | €3,189 | ▼ 74.4% |
| Leasing and similar rights25 | €508 | €254 | - | - | - | - |
| Other tangible fixed assets26 | €5,081 | €4,536 | €6,375 | €8,091 | €953 | ▼ 88.2% |
| Current assets29/58 | €60,645 | €68,905 | €55,443 | €65,561 | €38,724 | ▼ 40.9% |
| Amounts receivable within one year40/41 | €49,195 | €41,425 | €45,292 | €62,958 | €16,211 | ▼ 74.3% |
| Trade receivables40 | €24,195 | €41,425 | €34,766 | €59,956 | €8,413 | ▼ 86.0% |
| Other amounts receivable41 | €25,000 | - | €10,526 | €3,002 | €7,799 | ▲ 160% |
| Cash at bank and in hand54/58 | €10,490 | €27,418 | €10,068 | €2,018 | €22,426 | ▲ 1,011% |
| Deferred charges and accrued income490/1 | €961 | €63 | €83 | €585 | €86 | ▼ 85.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €99,736 | €103,661 | €88,612 | €95,395 | €47,036 | ▼ 50.7% |
| Equity10/15 | €47,291 | €38,893 | €58,998 | €52,270 | €15,603 | ▼ 70.1% |
| Contributions10/11 | €63,000 | €63,000 | €63,000 | €63,000 | €63,000 | = |
| Capital10 | €63,000 | €63,000 | €63,000 | €63,000 | €63,000 | = |
| Issued capital100 | €63,000 | €63,000 | €63,000 | €63,000 | €63,000 | = |
| Reserves13 | €723 | €723 | €723 | €723 | €723 | = |
| Non-distributable reserves130/1 | €723 | €723 | €723 | €723 | €723 | = |
| Legal reserve130 | €723 | €723 | €723 | €723 | €723 | = |
| Profit (loss) carried forward14 | -€16,432 | -€24,830 | -€4,726 | -€11,454 | -€48,120 | ▼ 320% |
| Amounts payable17/49 | €52,445 | €64,768 | €29,614 | €43,125 | €31,432 | ▼ 27.1% |
| Amounts payable within one year42/48 | €52,445 | €64,768 | €29,614 | €43,125 | €28,380 | ▼ 34.2% |
| Trade debts44 | €2,808 | €26,147 | €7,045 | €19,020 | €3,953 | ▼ 79.2% |
| Suppliers440/4 | €2,808 | €26,147 | €7,045 | €19,020 | €3,953 | ▼ 79.2% |
| Taxes, remuneration and social security45 | €11,240 | €13,235 | €12,196 | €1,805 | - | - |
| Taxes450/3 | €11,240 | €13,235 | €12,196 | €1,805 | - | - |
| Other amounts payable47/48 | €38,397 | €25,385 | €10,373 | €22,301 | €24,427 | ▲ 9.5% |
| Accrued charges and deferred income492/3 | - | - | - | - | €3,053 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €45,994 | -€8,398 | €20,104 | -€6,728 | -€36,667 | ▼ 445% |
| + Depreciation and write-downs630 | €9,258 | €11,447 | €11,420 | €10,196 | €4,465 | ▼ 56.2% |
| Operating cash flow (approximation) | €55,252 | €3,049 | €31,524 | €3,468 | -€32,202 | ▼ 1,029% |
| Investment in fixed assets (approximation) | - | -€7,112 | -€9,832 | -€6,862 | €17,058 | ▲ 349% |
| Change in cash | - | €16,929 | -€17,350 | -€8,050 | €20,408 | ▲ 354% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€36,667
Net result drops to -€36,667, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
06-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 67 days late
2023
31-12
Financial
Back to profitnet €20,104
Net result €20,104 after one loss-making year.
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 56 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 25 days late
2021
31-12
Financial
Highest result since 2018net €45,994 ▲858%
Operating result €51,738, net result €45,994, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Back to profitnet €4,803
Net result €4,803 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 56 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Mont-Saint-Guibert · 1 establishment unit since 2010
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 du Fond Cattelain 21435 Mont-Saint-Guibert1 establishment unit
P&E TRADING
since 20102.189.678.592
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Of 3,224 companies in sector 47400 we hold annual accounts for 1,808. 1,087 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded07-07-2010
Fiscal year end31-12
Activities, NACEBEL 2025
47400Retail sale of information and communication equipment
46500Wholesale of information and communication equipment
46851Wholesale of industrial chemicals
46852Wholesale trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0827633395
Also
9925:BE0827633395
Registered
02-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.