PeBloSa
ActivePeBloSa has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €333k and a net result of €51k. Equity is shrinking by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 4575 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+4
Solvency91▲+13
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.38 in 2024; short-term debt: 31.1% and cash: 10.6% of total assets), and 34.3% of the assets are financed with debt.
Credit advice for your own amount and term
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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
65.7%
Return on assets
10.1%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €333k
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 26-05-2026, 66 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
66 d early
2024
22 d early
2023
68 d early
2022
146 d early
2021
23 d early
2020
15 d early
2019
29 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€333k▲ 10.2%
2024 · €303k
2018: €493k
2019: €446k
2020: €503k
2021: €293k
2022: €219k
2023: €267k
2024: €303k
2018 → 2025
Total assets
€507k▼ 12.0%
2024 · €576k
2018: €1.01M
2019: €811k
2020: €838k
2021: €900k
2022: €651k
2023: €564k
2024: €576k
2018 → 2025
Net result
€51k▲ 36.9%
2024 · €37k
2018: €64k
2019: €77k
2020: €117k
2021: €115k
2022: €-74k
2023: €56k
2024: €37k
2018 → 2025
Working capital
€14k▼ 76.3%
2024 · €59k
2018: €-13k
2019: €125k
2020: €204k
2021: €3k
2022: €-38k
2023: €18k
2024: €59k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€293k-€219k▼ 25.2%€267k▲ 21.7%€303k▲ 13.4%€333k▲ 10.2%
Operating result€142k-€-59k€72k€63k▼ 11.3%€84k▲ 32.1%
Net result€115k-€-74k€56k€37k▼ 33.6%€51k▲ 36.9%
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 32% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €507k
Fixed assets
€336k▼ 7.9%
Current assets
€171k▼ 19.1%
Equity and liabilities €507k
Equity
€333k▲ 10.2%
Debt
€174k▼ 36.5%
The debt ratio falls from 47.5% to 34.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€112k▲
2024 · €92k
Cash flow
€80k▲
2024 · €66k
Solvency
65.7%▲
2024 · 52.5%
Current ratio
1.09▼
2024 · 1.38
Quick ratio
1.09▼
2024 · 1.38
Debt / equity
0.52▼
2024 · 0.90
ROE
15.3%▲
2024 · 12.3%
ROA
10.1%▲
2024 · 6.5%
Interest coverage
9.62▲
2024 · 7.84
Debt
€174k▼
2024 · €274k
Debt ≤ 1 year
€158k▲
2024 · €153k
Debt > 1 year
€0▼
2024 · €104k
Income taxes
€24k▲
2024 · €17k
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€576k€507k▼
Fixed assets21/28€364k€336k▼
Tangible fixed assets22/27€364k€336k▼
Land and buildings22€364k€336k▼
Furniture and vehicles24€0-
Current assets29/58€212k€171k▼
Amounts receivable within one year40/41€0-
Trade receivables40€0-
Other amounts receivable41€0-
Current investments50/53€120k€100k▼
Cash at bank and in hand54/58€72k€54k▼
Deferred charges and accrued income490/1€20k€18k▼
Equity and liabilities
Total equity and liabilities10/49€576k€507k▼
Equity10/15€303k€333k▲
Contributions10/11€19k€19k=
Revaluation surpluses12€118k€118k=
Reserves13€165k€196k▲
Tax-exempt reserves132€0-
Distributable reserves133€165k€196k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€274k€174k▼
Amounts payable after more than one year17€104k€0▼
Financial debts170/4€104k€0▼
Amounts payable within one year42/48€153k€158k▲
Current portion of amounts payable after more than one year42€23k€0▼
Trade debts44€315€2k▲
Suppliers440/4€315€2k▲
Taxes, remuneration and social security45€11k€13k▲
Taxes450/3€11k€13k▲
Other amounts payable47/48€119k€143k▲
Accrued charges and deferred income492/3€16k€16k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€94k€115k▲
Operating profit (loss)9901€63k€84k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€12k€12k▼
Recurring financial charges65€12k€12k▼
Profit (loss) for the period before taxes9903€54k€75k▲
Income taxes67/77€17k€24k▲
Profit (loss) for the period9904€37k€51k▲
Profit (loss) for the period to be appropriated9905€37k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€37k€51k▲
Transfer from equity791/2€4k€20k▲
Transfer to equity691/2€40k€51k▲
To other reserves6921€40k€51k▲
Profit to be distributed694/7€2k€20k▲
Return on contributions (dividend)694€2k€20k▲
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (6 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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €56k
Net result €56k after one loss-making year.
07-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-74k ▼164%
Net result drops to €-74k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €117k ▲52%
Net result €117k, the highest in the series.
31-12
Financial
Equity above €500kEq €503k ▲12.8%
3 profitable years in a row build equity to €503k.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-06
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
6 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, Oudsbergen · 1 establishment unit since 2004
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.
Weg naar Opoeteren 1403660 OudsbergenGround area
1,495 m²
Building footprint
149 m²
Volume, LiDAR
77 m³
Parcel 71047A0348/00F000, Flanders · tallest building 2.4 m. Linked by address, not a title deed.
1 establishment unit
PeBloSa
since 20042.135.963.655
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71047A0348/00F000 | Flanders | 1,495 m² | 1 · 149 m² | 2.4 m |
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.
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Of 103 companies in sector 49500 we hold annual accounts for 72. 49 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-02-2004
Fiscal year end31-12
Activities, NACEBEL
49500Land transport and transport via pipelines
50500
95316Washing and cleaning of motor vehicles
47820Retail sale of motor vehicle parts and accessories
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
47300Retail sale of automotive fuel
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.