PECOM
ActivePECOM has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €292k and a net result of €25k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 31% of 8073 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
76
/ 100
Excellent▲ +26 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability42▲+42
Solvency71▼-8
Growth52▲+20
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days only on tighter terms
Liquidity ample (current ratio 1.87 against 1.32 in 2023), but 67.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
32.9%
Return on assets
2.8%
Age of the figures
26 mo
raises risk · Annual accounts not filed
The financial year that closed on 30-06-2025 was due at the National Bank by 31-01-2026. Nothing is on record today, 217 days later. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
NBB · 10 filingsPosition against the passed deadline
30-06-2025 close31-01-2026 deadline05-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 30-06-2024 was due by 31-01-2025 and was filed on 08-04-2025, 67 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
67 d late
2023
26 d late
2022
4 d early
2021
on the day
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€292k▲ 9.2%
2023 · €267k
2022: €282k
2023: €267k
2022 → 2024
Total assets
€887k▲ 62.8%
2023 · €544k
2022: €524k
2023: €544k
2022 → 2024
Net result
€25k
2023 · €-14k
2022: €70k
2023: €-14k
2022 → 2024
Working capital
€328k▲ 274%
2023 · €88k
2022: €102k
2023: €88k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€282k-€267k▼ 5.1%€292k▲ 9.2%
Operating result€92k-€-14k€25k
Net result€70k-€-14k€25k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €25k after a loss of €14k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €887k
Fixed assets
€179k=
Current assets
€707k▲ 93.7%
Equity and liabilities €887k
Equity
€292k▲ 9.2%
Debt
€595k▲ 115%
The debt ratio rises from 50.9% to 67.1%: debt grows faster than equity.
Key figures and ratios
Solvency
32.9%▼
2023 · 49.1%
Current ratio
1.87▲
2023 · 1.32
Quick ratio
1.87▲
2023 · 1.32
Debt / equity
2.04▲
2023 · 1.04
ROE
8.4%▲
2023 · -5.4%
ROA
2.8%▲
2023 · -2.6%
Debt
€595k▲
2023 · €277k
Debt ≤ 1 year
€379k▲
2023 · €277k
Staff costs
€4k
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 · 2024 against 2023
Balance sheet
Code20232024
Total assets
20/58€544k€887k▲
Fixed assets
21/28€179k€179k=
Financial fixed assets
28€179k€179k=
Current assets
29/58€365k€707k▲
Amounts receivable within one year
40/41€238k€654k▲
Cash & bank
54/58€106k€32k▼
Total equity & liabilities
10/49€544k€887k▲
Equity
10/15€267k€292k▲
Contributions / capital
10/11€12k€12k=
Reserves
13€134k€134k=
Accumulated profits (losses)
14€121k€145k▲
Amounts payable
17/49€277k€595k▲
Amounts payable within one year
42/48€277k€379k▲
Trade debts payable within one year
44€254k€291k▲
Income statement
Code20232024
Gross operating margin
9900€-14k€29k▲
Operating result
9901€-14k€25k▲
Financial income
75-€0
Financial charges
65-€138
Result before taxes
9903€-14k€25k▲
Net result for the period
9904€-14k€25k▲
Result to be appropriated
9905€-14k€25k▲
Timeline · acts, filings and financial milestones
2025
08-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 67 days late
2024
30-06
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
26-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
30-06
Financial
Weakest financial yearnet €-14k ▼120%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
01-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 1 day late
2016
13-01
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 82,118 companies in sector 70200 we hold annual accounts for 51,404. 37,826 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded10-07-2008
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 20-08-2026. Scores and ratios are computed by Checked and are not a credit decision.