P.N.T.
ActiveP.N.T. has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.94M and a net result of €530k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 77% of 3166 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +22 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+19
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €190k at 30 days acceptable
Liquidity ample (current ratio 2.89 against 1.25 in 2024), and 17.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
82.8%
Return on assets
22.6%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €1.9M
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
44 d early
2023
9 d early
2022
35 d early
2021
14 d early
2020
3 d early
2019
37 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€530k▲ 5.7%
2024 · €502k
2018: €97k
2019: €336k
2020: €356k
2021: €389k
2022: €1.32M
2023: €475k
2024: €502k
2018 → 2025
Working capital
€763k▲ 196%
2024 · €257k
2018: €1.22M
2019: €835k
2020: €654k
2021: €540k
2022: €524k
2023: €357k
2024: €257k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.31M-€1.43M▲ 9.2%€1.41M▼ 1.8%€1.41M▲ 0.1%€1.94M▲ 37.6%
Operating result€491k-€499k▲ 1.6%€-60k€-46k▲ 23.5%€4k
Net result€389k-€1.32M▲ 239%€475k▼ 64.1%€502k▲ 5.7%€530k▲ 5.7%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €4k after a loss of €46k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.34M
Fixed assets
€1.18M▼ 1.2%
Current assets
€1.17M▼ 9.3%
Equity and liabilities €2.34M
Equity
€1.94M▲ 37.6%
Debt
€404k▼ 62.2%
The debt ratio falls from 43.1% to 17.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€19k▲
2024 · €-32k
Cash flow
€544k▲
2024 · €516k
Solvency
82.8%▲
2024 · 56.9%
Current ratio
2.89▲
2024 · 1.25
Quick ratio
2.89▲
2024 · 1.25
Debt / equity
0.21▼
2024 · 0.76
ROE
27.3%▼
2024 · 35.6%
ROA
22.6%▲
2024 · 20.3%
Interest coverage
4.08▲
2024 · -6.66
Debt
€404k▼
2024 · €1.07M
Debt ≤ 1 year
€404k▼
2024 · €1.03M
Debt > 1 year
€0▼
2024 · €39k
Income taxes
€12k▲
2024 · €563
Staff costs
€535k▲
2024 · €487k
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€2.48M€2.34M▼
Fixed assets21/28€1.19M€1.18M▼
Tangible fixed assets22/27€118k€104k▼
Land and buildings22€118k€104k▼
Financial fixed assets28€1.07M€1.07M=
Current assets29/58€1.29M€1.17M▼
Amounts receivable after more than one year29€112k€70k▼
Other amounts receivable291€112k€70k▼
Amounts receivable within one year40/41€1.08M€1.06M▼
Trade receivables40€80k€91k▲
Other amounts receivable41€1.00M€965k▼
Cash at bank and in hand54/58€81k€32k▼
Deferred charges and accrued income490/1€13k€9k▼
Equity and liabilities
Total equity and liabilities10/49€2.48M€2.34M▼
Equity10/15€1.41M€1.94M▲
Contributions10/11€269k€269k=
Capital10€269k€269k=
Issued capital100€300k€300k=
Uncalled capital101€31k€31k=
Reserves13€30k€30k=
Non-distributable reserves130/1€30k€30k=
Legal reserve130€30k€30k=
Profit (loss) carried forward14€1.11M€1.64M▲
Amounts payable17/49€1.07M€404k▼
Amounts payable after more than one year17€39k€0▼
Financial debts170/4€39k€0▼
Amounts payable within one year42/48€1.03M€404k▼
Current portion of amounts payable after more than one year42€116k€39k▼
Financial debts43€33k€0▼
Credit institutions430/8€33k€0▼
Trade debts44€66k€71k▲
Suppliers440/4€66k€71k▲
Taxes, remuneration and social security45€81k€94k▲
Taxes450/3€24k€32k▲
Remuneration and social security454/9€58k€62k▲
Other amounts payable47/48€733k€200k▼
Income statement
Code20242025
Remuneration, social security and pensions62€487k€535k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k=
Other operating charges640/8€5k€6k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€460k€559k▲
Operating profit (loss)9901€-46k€4k▲
Financial income75/76B€553k€543k▼
Recurring financial income75€553k€543k▼
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€502k€542k▲
Income taxes67/77€563€12k▲
Profit (loss) for the period9904€502k€530k▲
Profit (loss) for the period to be appropriated9905€502k€530k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.61M€1.64M▲
Profit (loss) brought forward from the previous period14P€1.11M€1.11M▲
Profit to be distributed694/7€500k€0▼
Return on contributions (dividend)694€500k€0▼
Social balance
Average headcount (FTE)90875.04.9▼
The notes to these accounts (17 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
08-09
State Gazette act
General meeting · DemergerGeneral meeting · Demerger · Real estate13 facts ▸
State Gazette act
General meeting · Demerger
General meeting · Demerger · Real estate13 facts ▸
- General meeting, 2026-07-31
- Demerger, partial_split_by_absorption, 793.621,69 EUR
- Real estate, Een nijverheidsgebouw op en met grond en aanhorigheden, gelegen Baaikensstraat nummer 9, gekend volgens titel sectie A, deel van nummers 1200/C, 1225 en 1226 en…
- Accounting effect, 2026-01-01
- Capital decrease, €18.869,21
- Capital increase, €27.936,36
- Capital, €71.066,55
- Statutes amendment
- Director resignation, LT CAPITAL & ADVICE (niet-statutair bestuurder)
- Permanent representative, Jean-Marie Stanislas Pierre dE BUCK VAN OVERSTRAETEN
- Ownership, 100% van de aandelen
- Split proposal, 2026-06-12, 2026-06-11
- +1 further facts in this act
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Liquidity doublescurrent ratio 2.89
Current ratio from 1.25 to 2.89; short-term debt falls from €1.03M to €404k.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €1.32M ▲239%
Net result €1.32M, the highest in the series.
16-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
27-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
24-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
15-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
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.
31-07-2026
Resigned as Non-statutory director
Location & real-estate footprint
Registered office, Zele · 1 establishment unit since 1996
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.
Baaikensstraat 99240 ZeleGround area
5,935 m²
Building footprint
1,639 m²
Volume, LiDAR
11,127 m³
Parcel 42028A1222/00A000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
P.N.T.
since 19962.078.915.975
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42028A1222/00A000 | Flanders | 5,935 m² | 1 · 1,639 m² | 8.8 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.
Structure & network
Acquisitions and mergers
1 transactionContributed a business line to:VERHOFSTÉ
Capital and shareholders
Capital increase of 27,936.36 EUR
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 22,442 EUR awarded · 22,358 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 6,090 EUR | 6,090 EUR |
| 2024 | 1 | 7,500 EUR | 7,500 EUR |
| 2023 | 1 | 1,352 EUR | 3,464 EUR |
| 2022 | 1 | 7,500 EUR | 5,304 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 20,462 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-10-1996
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.