PEBECO
ActivePEBECO 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 €2.88M and a net result of €2.71M. Equity is growing by ~66.3% per year across the filed fiscal years. Its solvency ranks better than 83% of 7980 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-05-2025 was due by 31-12-2025 and was filed on 29-12-2025, 2 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
3 d early
2022
3 d early
2021
1 d early
2020
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-05-2026 and is due by 31-12-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-05-2026 close16-09-2026 today31-12-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.88M▲ 156%
2024 · €1.12M
2020: €172k
2021: €396k
2022: €562k
2023: €1.09M
2024: €1.12M
2020 → 2025
Net result
€2.71M▲ 8,989%
2024 · €30k
2020: €29k
2021: €224k
2022: €166k
2023: €533k
2024: €30k
2020 → 2025
Total assets
€3.39M▲ 107%
2024 · €1.64M
2020: €253k
2021: €508k
2022: €787k
2023: €1.24M
2024: €1.64M
2020 → 2025
Solvency
85.0%▲ 16.4pp
2024 · 68.6%
2020: 68.0%
2021: 78.0%
2022: 71.4%
2023: 88.0%
2024: 68.6%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€396k-€562k▲ 42.0%€1.09M▲ 94.8%€1.12M▲ 2.7%€2.88M▲ 156%
Operating result€164k-€229k▲ 40.1%€441k▲ 92.6%€78k▼ 82.3%€9k▼ 88.4%
Net result€224k-€166k▼ 25.8%€533k▲ 221%€30k▼ 94.4%€2.71M▲ 8,989%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 88% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.39M
Fixed assets
€2.78M▲ 201%
Current assets
€612k▼ 14.5%
Equity and liabilities €3.39M
Equity
€2.88M▲ 156%
Debt
€510k▼ 1.2%
The debt ratio falls from 31.4% to 15.0%: equity grows while debt is paid down.
Key figures and ratios
Solvency
85.0%▲
2024 · 68.6%
ROE
93.9%▲
2024 · 2.7%
ROA
79.8%▲
2024 · 1.8%
Debt
€510k▼
2024 · €516k
Debt ≤ 1 year
€156k▲
2024 · €141k
Debt > 1 year
€345k▼
2024 · €372k
Income taxes
€12k▼
2024 · €14k
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€1.64M€3.39M▲
Fixed assets21/28€926k€2.78M▲
Tangible fixed assets22/27€630k€625k▼
Land and buildings22€511k€541k▲
Plant, machinery and equipment23€23k€18k▼
Furniture and vehicles24€11k€3k▼
Leasing and similar rights25€50k€37k▼
Other tangible fixed assets26€35k€27k▼
Financial fixed assets28€296k€2.16M▲
Current assets29/58€715k€612k▼
Stocks and contracts in progress3-€4k
Stocks30/36-€4k
Amounts receivable within one year40/41€382k€570k▲
Trade receivables40€124k€136k▲
Other amounts receivable41€258k€435k▲
Cash at bank and in hand54/58€323k€18k▼
Deferred charges and accrued income490/1€10k€20k▲
Equity and liabilities
Total equity and liabilities10/49€1.64M€3.39M▲
Equity10/15€1.12M€2.88M▲
Contributions10/11€100k€16k▼
Reserves13€1.02M€2.87M▲
Distributable reserves133€1.02M€2.87M▲
Profit (loss) carried forward14-€0
Amounts payable17/49€516k€510k▼
Amounts payable after more than one year17€372k€345k▼
Financial debts170/4€372k€345k▼
Amounts payable within one year42/48€141k€156k▲
Current portion of amounts payable after more than one year42€26k€27k▲
Trade debts44€35k€4k▼
Suppliers440/4€35k€4k▼
Taxes, remuneration and social security45€27k€5k▼
Taxes450/3€27k€5k▼
Other amounts payable47/48€53k€120k▲
Accrued charges and deferred income492/3€3k€8k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€64k€66k▲
Other operating charges640/8€8k€12k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€150k€87k▼
Operating profit (loss)9901€78k€9k▼
Financial income75/76B€1€2.74M▲
Recurring financial income75€1€2.74M▲
Financial charges65/66B€35k€23k▼
Recurring financial charges65€35k€23k▼
Profit (loss) for the period before taxes9903€44k€2.72M▲
Income taxes67/77€14k€12k▼
Profit (loss) for the period9904€30k€2.71M▲
Profit (loss) for the period to be appropriated9905€30k€2.71M▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€2.71M▲
Transfer from equity791/2-€866k
Transfer to equity691/2€30k€2.71M▲
To other reserves6921€30k€2.71M▲
Profit to be distributed694/7-€866k
Return on contributions (dividend)694-€866k
The notes to these accounts (12 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 · Director resignation
Director appointment · Permanent representative
2025
29-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-05
Financial
Highest result since 2020net €2.71M ▲8989%
Net result €2.71M, the highest in the series.
31-05
Financial
Equity above €2MEq €2.88M ▲156%
6 profitable years in a row build equity to €2.88M.
2024
30-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
28-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-05
Financial
Liquidity triplescurrent ratio 8.44
Current ratio from 2.87 to 8.44; short-term debt falls from €223k to €98k.
31-05
Financial
Equity above €1MEq €1.09M ▲94.8%
4 profitable years in a row build equity to €1.09M.
2022
28-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-05
Financial
Equity above €500kEq €562k ▲42%
3 profitable years in a row build equity to €562k.
2021
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-05
Financial
Equity above €200kEq €396k ▲130%
2 profitable years in a row build equity to €396k.
2020
28-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Martens-Latem · 1 establishment unit since 2017
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.
Oudburgweg 539830 Sint-Martens-LatemGround area
1,658 m²
Building footprint
221 m²
Volume, LiDAR
1,249 m³
Parcel 44064B0542/00M000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PEBECO
since 20172.267.869.797
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064B0542/00M000 | Flanders | 1,658 m² | 1 · 221 m² | 9.7 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
Ownership & control
1 partyPEBECOBE 0678.953.181
controls
Where this company holds controlthis company sits on their board1
1 location
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Of 24,636 companies in sector 64210 we hold annual accounts for 19,688. 9,786 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-07-2017
Fiscal year end31-05
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.