PECUNIA DATA SYSTEMS
ActivePECUNIA DATA SYSTEMS has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.41M and a net result of €188k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 91% of 16809 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▲+26
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 14.43 against 21.7 in 2024), and 7.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
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
92.8%
Return on assets
12.4%
Age of the figures
8 mo
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
5 d early
2023
9 d early
2022
8 d late
2021
15 d late
2020
1 d early
2019
4 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
10-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.41M▲ 12.0%
2024 · €1.26M
2018: €829k
2019: €861k
2020: €935k
2021: €988k
2022: €1.07M
2023: €1.15M
2024: €1.26M
2018 → 2025
Total assets
€1.52M▲ 15.8%
2024 · €1.31M
2018: €866k
2019: €898k
2020: €969k
2021: €1.03M
2022: €1.13M
2023: €1.20M
2024: €1.31M
2018 → 2025
Net result
€188k▲ 80.8%
2024 · €104k
2018: €-52k
2019: €36k
2020: €74k
2021: €57k
2022: €94k
2023: €91k
2024: €104k
2018 → 2025
Working capital
€1.30M▲ 15.1%
2024 · €1.13M
2018: €670k
2019: €708k
2020: €789k
2021: €850k
2022: €940k
2023: €1.03M
2024: €1.13M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€988k-€1.07M▲ 8.5%€1.15M▲ 7.6%€1.26M▲ 9.0%€1.41M▲ 12.0%
Operating result€56k-€99k▲ 75.3%€104k▲ 4.8%€132k▲ 27.5%€246k▲ 86.3%
Net result€57k-€94k▲ 64.8%€91k▼ 3.0%€104k▲ 14.5%€188k▲ 80.8%
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 four years in a row; 2025 is 86% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.52M
Fixed assets
€123k▼ 4.3%
Current assets
€1.40M▲ 17.9%
Equity and liabilities €1.52M
Equity
€1.41M▲ 12.0%
Debt
€110k▲ 102%
The debt ratio rises from 4.2% to 7.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€252k▲
2024 · €138k
Cash flow
€194k▲
2024 · €110k
Solvency
92.8%▼
2024 · 95.8%
Current ratio
14.43▼
2024 · 21.70
Quick ratio
14.43▼
2024 · 21.70
Debt / equity
0.08▲
2024 · 0.04
ROE
13.4%▲
2024 · 8.3%
ROA
12.4%▲
2024 · 7.9%
Interest coverage
12.85▲
2024 · 7.39
Debt
€110k▲
2024 · €55k
Debt ≤ 1 year
€97k▲
2024 · €55k
Income taxes
€83k▲
2024 · €38k
Staff costs
€31k▲
2024 · €29k
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€1.31M€1.52M▲
Fixed assets21/28€128k€123k▼
Tangible fixed assets22/27€97k€91k▼
Land and buildings22€93k€88k▼
Plant, machinery and equipment23€4k€4k=
Financial fixed assets28€31k€31k=
Current assets29/58€1.18M€1.40M▲
Amounts receivable within one year40/41€21k€77k▲
Trade receivables40€21k€77k▲
Current investments50/53€615k€781k▲
Cash at bank and in hand54/58€548k€538k▼
Equity and liabilities
Total equity and liabilities10/49€1.31M€1.52M▲
Equity10/15€1.26M€1.41M▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€1.25M€1.40M▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€1.25M€1.40M▲
Amounts payable17/49€55k€110k▲
Amounts payable within one year42/48€55k€97k▲
Trade debts44€5k€6k▲
Suppliers440/4€5k€6k▲
Taxes, remuneration and social security45€13k€32k▲
Taxes450/3€13k€32k▲
Other amounts payable47/48€36k€58k▲
Accrued charges and deferred income492/3-€13k
Income statement
Code20242025
Remuneration, social security and pensions62€29k€31k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€169k€285k▲
Operating profit (loss)9901€132k€246k▲
Financial income75/76B€30k€47k▲
Recurring financial income75€22k€38k▲
Non-recurring financial income76B€8k€8k▲
Financial charges65/66B€21k€21k▲
Recurring financial charges65€19k€20k▲
Non-recurring financial charges66B€2k€2k▼
Profit (loss) for the period before taxes9903€142k€272k▲
Income taxes67/77€38k€83k▲
Profit (loss) for the period9904€104k€188k▲
Profit (loss) for the period to be appropriated9905€104k€188k▲
Appropriation of the result
Profit (loss) to be appropriated9906€104k€188k▲
Transfer to equity691/2€104k€153k▲
To other reserves6921€104k€153k▲
Profit to be distributed694/7-€35k
Return on contributions (dividend)694-€35k
The notes to these accounts (4 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €188k ▲80.8%
Operating result €246k, net result €188k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
31-12
Financial
Equity above €1MEq €1.07M ▲8.5%
4 profitable years in a row build equity to €1.07M.
15-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 15 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Aartselaar · 1 establishment unit since 1990
Ground area
739 m²
Building footprint
219 m²
Volume, LiDAR
1,170 m³
2 parcels, Flanders · tallest building 9.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
P.D.S.
since 19902.050.721.045
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C0691/00H000 | Flanders | 531 m² | 1 · 136 m² | 5.5 m · 1 fl. |
| 11001B0138/00R005 | Flanders | 208 m² | 1 · 83 m² | 9.1 m · 3 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.
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Of 16,803 companies in sector 62100 we hold annual accounts for 8,745. 3,361 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-1990
Fiscal year end31-12
Abbreviation NL
PDS
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.