P & P is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €384k and a net result of €-21k. Equity is shrinking by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 24% of 7980 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 7980 sector peers (2025).
NBB · sector comparisonPosition among 7980 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-01-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
4 d early
2023
5 d early
2022
3 d late
2021
3 d early
2020
26 d late
2019
13 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€384k▼ 5.1%
2024 · €405k
2019: €518k
2020: €460k
2021: €394k
2022: €387k
2023: €408k
2024: €405k
2019 → 2025
Net result
€-21k▼ 650%
2024 · €-3k
2019: €11k
2020: €-45k
2021: €-66k
2022: €-7k
2023: €22k
2024: €-3k
2019 → 2025
Total assets
€1.92M▼ 4.5%
2024 · €2.01M
2019: €1.19M
2020: €1.10M
2021: €1.66M
2022: €1.63M
2023: €1.57M
2024: €2.01M
2019 → 2025
Solvency
20.1%▼ 0.1pp
2024 · 20.2%
2019: 43.4%
2020: 41.9%
2021: 23.7%
2022: 23.7%
2023: 25.9%
2024: 20.2%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€394k-€387k▼ 1.8%€408k▲ 5.3%€405k▼ 0.7%€384k▼ 5.1%
Operating result€-59k-€97€31k▲ 32,081%€13k▼ 58.9%€16k▲ 25.7%
Net result€-66k-€-7k▲ 89.3%€22k€-3k€-21k▼ 650%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 26% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.92M
Fixed assets
€1.90M▼ 2.3%
Current assets
€18k▼ 71.3%
Equity and liabilities €1.92M
Equity
€384k▼ 5.1%
Debt
€1.53M▼ 4.4%
The debt ratio rises from 79.8% to 79.9%. Equity and debt are lower.
Key figures and ratios
Solvency
20.1%▼
2024 · 20.2%
ROE
-5.4%▼
2024 · -0.7%
ROA
-1.1%▼
2024 · -0.1%
Debt
€1.53M▼
2024 · €1.60M
Debt ≤ 1 year
€1.15M▼
2024 · €1.22M
Debt > 1 year
€346k▼
2024 · €375k
Income taxes
€0=
2024 · €0
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€2.01M€1.92M▼
Fixed assets21/28€1.94M€1.90M▼
Tangible fixed assets22/27€1.23M€1.19M▼
Land and buildings22€1.21M€1.17M▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€20k€15k▼
Financial fixed assets28€710k€710k=
Current assets29/58€64k€18k▼
Amounts receivable within one year40/41€23k€12k▼
Trade receivables40€22k€12k▼
Other amounts receivable41€560€120▼
Cash at bank and in hand54/58€39k€4k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€2.01M€1.92M▼
Equity10/15€405k€384k▼
Contributions10/11€286k€286k=
Reserves13€71k€71k=
Tax-exempt reserves132€20k€20k=
Distributable reserves133€51k€51k=
Profit (loss) carried forward14€48k€27k▼
Amounts payable17/49€1.60M€1.53M▼
Amounts payable after more than one year17€375k€346k▼
Financial debts170/4€375k€346k▼
Amounts payable within one year42/48€1.22M€1.15M▼
Current portion of amounts payable after more than one year42€32k€29k▼
Trade debts44€9k€4k▼
Suppliers440/4€9k€4k▼
Taxes, remuneration and social security45€204€4k▲
Taxes450/3€204€4k▲
Other amounts payable47/48€1.17M€1.12M▼
Accrued charges and deferred income492/3€11k€32k▲
Income statement
Code20242025
Non-recurring operating income76A-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€76k€82k▲
Other operating charges640/8€4k€6k▲
Gross operating margin9900€93k€104k▲
Operating profit (loss)9901€13k€16k▲
Financial income75/76B€1€101▲
Recurring financial income75€1€101▲
Financial charges65/66B€16k€37k▲
Recurring financial charges65€16k€37k▲
Profit (loss) for the period before taxes9903€-3k€-21k▼
Income taxes67/77€0€0=
Profit (loss) for the period9904€-3k€-21k▼
Profit (loss) for the period to be appropriated9905€-3k€-21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€27k▼
Profit (loss) brought forward from the previous period14P€51k€48k▼
The notes to these accounts (15 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
16-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €22k
Net result €22k after 3 loss-making years.
03-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €-66k
Net result drops to €-66k, the lowest in the series; recovery starts the following year.
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
13-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 13 days late
2019
27-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
02-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 336 days late
2017
10-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Nazareth-De Pinte · 2 establishment units since 2005
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.
Steenweg 919810 Nazareth-De PinteGround area
3,899 m²
Building footprint
563 m²
Volume, LiDAR
4,511 m³
2 parcels, Flanders · tallest building 16.3 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
P & P
since 20052.150.552.356
P & P
since 20242.358.683.672
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44018B0497/00D000 | Flanders | 3,566 m² | 1 · 255 m² | 16.3 m · 4 fl. |
| 44018B0471/00S002 | Flanders | 334 m² | 1 · 308 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
TVD
BE 0635.691.379
Maaseik · Eq €384k
StiBi
BE 0646.877.558
Wingene · Eq €384k
PATTYN INVEST
BE 0644.927.957
Zonnebeke · Eq €384k
Proesmans Ben Consulting
BE 0839.623.585
Bilzen-Hoeselt · Eq €384k
IMMO DU FRAIS
BE 0865.979.178
Namur · Eq €384k
Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,766 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-10-2005
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
47690Retail sale of other cultural and recreation goods
47787Retail trade
85520Cultural education
90031Arts creation and performing arts activities
90111Literary creation
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.