PeBaCo
ActiveSummary
The computed 12-month bankruptcy probability of PeBaCo is 1.5% (moderate). The 2025 annual accounts show negative equity (€-66k) and a net result of €34k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 26% of 1304 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+11
Solvency19▲+2
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.04 against 0.03 in 2024; short-term debt: 41.3% and cash: 1.3% of total assets), and equity is negative.
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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
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 02-07-2026, 29 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
29 d early
2024
29 d late
2023
30 d late
2022
28 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, micro schema
Equity
€-66k▲ 33.9%
2024 · €-100k
2022: €-88k
2023: €-111k
2024: €-100k
2022 → 2025
Total assets
€1.15M▼ 2.9%
2024 · €1.18M
2022: €1.31M
2023: €1.25M
2024: €1.18M
2022 → 2025
Net result
€34k▲ 196%
2024 · €11k
2022: €-163k
2023: €-23k
2024: €11k
2022 → 2025
Working capital
€-456k▲ 0.7%
2024 · €-459k
2022: €-388k
2023: €-441k
2024: €-459k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-88k-€-111k▼ 25.9%€-100k▲ 10.3%€-66k▲ 33.9%
Operating result€-144k-€-11k▲ 92.2%€25k€46k▲ 87.1%
Net result€-163k-€-23k▲ 86.0%€11k€34k▲ 196%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 87% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.15M
Fixed assets
€1.13M ▼ 3.4%
Current assets
€19k ▲ 38.2%
Key figures and ratios
EBITDA
€86k▲
2024 · €65k
Cash flow
€74k▲
2024 · €52k
Solvency
-5.7%▲
2024 · -8.4%
Current ratio
0.04▲
2024 · 0.03
Debt to equity
-18.43▼
2024 · -12.86
ROA
2.9%▲
2024 · 1.0%
Interest coverage
6.99▲
2024 · 4.90
Debt
€1.22M▼
2024 · €1.28M
Debt ≤ 1 year
€474k▲
2024 · €472k
Debt > 1 year
€741k▼
2024 · €812k
Staff costs
€21
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.18M€1.15M▼
Fixed assets21/28€1.17M€1.13M▼
Tangible fixed assets22/27€1.17M€1.13M▼
Land and buildings22€1.17M€1.13M▼
Plant, machinery and equipment23€127€0▼
Furniture and vehicles24€864€332▼
Current assets29/58€14k€19k▲
Amounts receivable within one year40/41€2k€3k▲
Trade receivables40€2k€2k▲
Other amounts receivable41€224€743▲
Cash at bank and in hand54/58€11k€15k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€1.18M€1.15M▼
Equity10/15€-100k€-66k▲
Contributions10/11€75k€75k=
Profit (loss) carried forward14€-175k€-141k▲
Amounts payable17/49€1.28M€1.22M▼
Amounts payable after more than one year17€812k€741k▼
Financial debts170/4€812k€741k▼
Amounts payable within one year42/48€472k€474k▲
Current portion of amounts payable after more than one year42€69k€70k▲
Trade debts44€7k€9k▲
Suppliers440/4€7k€9k▲
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Other amounts payable47/48€394k€395k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€21
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€40k▼
Other operating charges640/8€3k€1k▼
Gross operating margin9900€68k€87k▲
Operating profit (loss)9901€25k€46k▲
Financial income75/76B€1€40▲
Recurring financial income75€1€40▲
Financial charges65/66B€13k€12k▼
Recurring financial charges65€13k€12k▼
Profit (loss) for the period before taxes9903€11k€34k▲
Profit (loss) for the period9904€11k€34k▲
Profit (loss) for the period to be appropriated9905€11k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-175k€-141k▲
Profit (loss) brought forward from the previous period14P€-186k€-175k▲
The notes to these accounts (5 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €34k ▲196%
Operating result €46k, net result €34k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Gesves · 1 establishment unit since 2021
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 Grande Commune 155340 GesvesGround area
6,872 m²
Building footprint
263 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Le champ du coq
since 20212.323.076.160
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92054B0501/00S000 | Wallonia | 6,049 m² | 1 · 91 m² | - |
| 92054B0501/00G002 | Wallonia | 823 m² | 1 · 172 m² | - |
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.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 3,000 companies in sector 55203 we hold annual accounts for 690. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-08-2021
Fiscal year end31-12
Activities, NACEBEL 2025
55203Holiday cottages, homes and apartments
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:info@lechampducoq.be
Phone:+32470800938
Phone:0470/80.09.38