PECUNIA DATA SYSTEMS
ActiveSummary
PECUNIA DATA SYSTEMS has been active since 1990 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.4m and a net result of €188,295. Equity is growing by about 7.8% per year across the filed financial years. Its solvency ranks better than 92% of 21,076 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
- Equity
- €1.4m
- Profit
- €188,295
Why 96lowers riskLiquidity: current ratio 14.43, cash €537,547Size: total assets €1.5mEquity €1.4m (92.8% of total assets)Sector: Computer programming, consultancy and related activities (NACE 62)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro): better than 85% on solvency, 83% on liquidity, 46% on profitability and 59% on growth.
The bankruptcy probability was computed on 27-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 7 days before the deadline; the sector median (NACE 62) for financial year 2024 is 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Highest result from 2018 to 2025net €188,295 ▲80.8%
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result has risen four years in a row; 2025 is 86% above 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 62, Computer programming, consultancy and related activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 20,136 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95.0% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
For this company itself Checked computes a bankruptcy probability of < 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 20,136 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €26,853 | €27,152 | €28,814 | €29,316 | €30,648 | ▲ 4.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,838 | €6,567 | €6,568 | €5,467 | €5,467 | €5,467 | €5,467 | €5,468 | = |
| Other operating charges640/8 | - | - | - | €1,676 | €2,411 | €2,251 | €1,870 | €2,221 | ▲ 18.8% |
| Gross operating margin9900 | €37,347 | €86,399 | €106,718 | €90,426 | €133,952 | €140,242 | €168,891 | €284,694 | ▲ 68.6% |
| Operating profit (loss)9901 | €6,341 | €50,059 | €78,448 | €56,430 | €98,922 | €103,710 | €132,238 | €246,358 | ▲ 86.3% |
| Financial income75/76B | - | - | - | €21,925 | €38,359 | €28,395 | €30,471 | €46,728 | ▲ 53.4% |
| Recurring financial income75 | €12,473 | €1,719 | €19,610 | €13,639 | €30,073 | €20,108 | €22,184 | €38,387 | ▲ 73.0% |
| Non-recurring financial income76B | - | - | - | €8,286 | €8,286 | €8,287 | €8,287 | €8,341 | ▲ 0.7% |
| Financial charges65/66B | - | - | - | €2,311 | €9,673 | €11,641 | €20,964 | €21,482 | ▲ 2.5% |
| Recurring financial charges65 | €69,560 | €754 | €6,380 | €1,978 | €8,016 | €10,351 | €18,624 | €19,598 | ▲ 5.2% |
| Non-recurring financial charges66B | - | - | - | €333 | €1,657 | €1,290 | €2,340 | €1,884 | ▼ 19.5% |
| Profit (loss) for the period before taxes9903 | -€50,596 | €51,024 | €98,369 | €76,044 | €127,608 | €120,464 | €141,745 | €271,604 | ▲ 91.6% |
| Income taxes67/77 | €1,408 | €14,731 | €24,136 | €19,152 | €33,849 | €29,487 | €37,587 | €83,309 | ▲ 122% |
| Profit (loss) for the period9904 | -€52,004 | €36,293 | €74,233 | €56,892 | €93,759 | €90,977 | €104,158 | €188,295 | ▲ 80.8% |
| Profit (loss) for the period to be appropriated9905 | -€52,004 | €36,293 | €74,233 | €56,892 | €93,759 | €90,977 | €104,158 | €188,295 | ▲ 80.8% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €0.9m | €0.9m | €1.0m | €1.0m | €1.1m | €1.2m | €1.3m | €1.5m | ▲ 15.8% |
| Fixed assets21/28 | €0.2m | €0.2m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | ▼ 4.3% |
| Tangible fixed assets22/27 | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.09m | ▼ 5.6% |
| Land and buildings22 | - | - | - | €0.1m | €0.1m | €0.1m | €0.09m | €0.09m | ▼ 5.9% |
| Plant, machinery and equipment23 | - | - | - | - | - | €0.001m | €0.004m | €0.004m | = |
| Financial fixed assets28 | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | = |
| Current assets29/58 | €0.7m | €0.7m | €0.8m | €0.9m | €1.0m | €1.1m | €1.2m | €1.4m | ▲ 17.9% |
| Amounts receivable within one year40/41 | - | - | €0.02m | €0.02m | €0.03m | €0.02m | €0.02m | €0.08m | ▲ 268% |
| Trade receivables40 | - | - | - | €0.02m | €0.03m | €0.02m | €0.02m | €0.08m | ▲ 268% |
| Current investments50/53 | €0.2m | €0.2m | €0.3m | €0.4m | €0.4m | €0.5m | €0.6m | €0.8m | ▲ 27.1% |
| Cash at bank and in hand54/58 | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | €0.5m | ▼ 1.9% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €0.9m | €0.9m | €1.0m | €1.0m | €1.1m | €1.2m | €1.3m | €1.5m | ▲ 15.8% |
| Equity10/15 | €0.8m | €0.9m | €0.9m | €1.0m | €1.1m | €1.2m | €1.3m | €1.4m | ▲ 12.0% |
| Contributions10/11 | €0.006m | €0.006m | €0.006m | €0.006m | €0.006m | €0.006m | €0.006m | €0.006m | = |
| Capital10 | - | - | - | €0.006m | €0.006m | €0.006m | €0.006m | €0.006m | = |
| Issued capital100 | - | - | - | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Uncalled capital101 | - | - | - | €0.01m | €0.01m | €0.01m | €0.01m | €0.01m | = |
| Reserves13 | €0.8m | €0.9m | €0.9m | €1.0m | €1.1m | €1.1m | €1.3m | €1.4m | ▲ 12.1% |
| Non-distributable reserves130/1 | - | - | - | €0.002m | €0.002m | €0.002m | €0.002m | €0.002m | = |
| Legal reserve130 | - | - | - | €0.002m | €0.002m | €0.002m | €0.002m | €0.002m | = |
| Distributable reserves133 | - | - | - | €1.0m | €1.1m | €1.1m | €1.2m | €1.4m | ▲ 12.1% |
| Amounts payable17/49 | €0.04m | €0.04m | €0.03m | €0.04m | €0.06m | €0.05m | €0.05m | €0.1m | ▲ 102% |
| Amounts payable within one year42/48 | €0.04m | €0.04m | €0.03m | €0.04m | €0.05m | €0.05m | €0.05m | €0.1m | ▲ 77.3% |
| Trade debts44 | €0.002m | €0.003m | €0.002m | €0.002m | €0.005m | €0.003m | €0.005m | €0.006m | ▲ 13.4% |
| Suppliers440/4 | - | - | - | €0.002m | €0.005m | €0.003m | €0.005m | €0.006m | ▲ 13.4% |
| Taxes, remuneration and social security45 | - | - | - | €0.002m | €0.02m | €0.01m | €0.01m | €0.03m | ▲ 149% |
| Taxes450/3 | - | - | - | - | €0.02m | €0.01m | €0.01m | €0.03m | ▲ 149% |
| Remuneration and social security454/9 | - | - | - | €0.002m | - | - | - | - | - |
| Other amounts payable47/48 | - | - | - | €0.04m | €0.03m | €0.03m | €0.04m | €0.06m | ▲ 61.3% |
| Accrued charges and deferred income492/3 | - | - | - | €0.003m | €0.003m | €0.003m | - | €0.01m | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€52,004 | €36,293 | €74,233 | €56,892 | €93,759 | €90,977 | €104,158 | €188,295 | ▲ 80.8% |
| + Depreciation and write-downs630 | €6,838 | €6,567 | €6,568 | €5,467 | €5,467 | €5,467 | €5,467 | €5,468 | = |
| Operating cash flow (approximation) | -€45,166 | €42,860 | €80,801 | €62,359 | €99,226 | €96,444 | €109,625 | €193,763 | ▲ 76.8% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | -€1,015 | -€2,629 | -€0 | ▲ 100.0% |
| Change in cash | - | €16,247 | -€12,116 | -€1,443 | €12,606 | -€4,848 | €24,851 | -€10,367 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 34 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 11-06-2026 | 2026-00153306 |
| 31-12-2024 | micro format | 26-07-2025 | 2025-00312757 |
| 31-12-2023 | micro format | 22-07-2024 | 2024-00273221 |
| 31-12-2022 | micro format | 08-08-2023 | 2023-00319062 |
| 31-12-2021 | micro format | 15-08-2022 | 2022-20287382 |
| 31-12-2020 | micro format | 30-07-2021 | 2021-43500241 |
| 31-12-2019 | micro format | 27-07-2020 | 2020-35000444 |
| 31-12-2018 | micro format | 05-08-2019 | 2019-44000044 |
| 31-12-2017 | micro format | 17-07-2018 | 2018-33800464 |
| 31-12-2016 | micro format | 22-06-2017 | 2017-20300439 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Stefan GEELEN |
|
Owners and capital
Capital and shareholders
- 13-09-2023 Capital stated in the deed · 750 shares
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
13-09
Gazette deed
Resignation: Stefan GEELEN (statutory director)Appointment: Stefan GEELEN (director) · Capital4 facts ▸
- General meeting, 31-08-2023
- Capital
- Director resignation, Stefan GEELEN (statutory director)
- Director appointment, Stefan GEELEN (director)
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 27 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Recognitions · licences · registrations
Legal Entity Identifier
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
2 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 72020C0691/00H000 | Flanders | 531 m² | 1 · 136 m² | 5.5 m · 1 |
| 11001B0138/00R005 | Flanders | 208 m² | 1 · 83 m² | 9.1 m · 3 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Het kopen,verkopen,huren en verhuren van bureelbenodigdheden hardware en software; Advies met betrekking tot het medium informatica; Het…” (deed in Dutch)
6 activities (deed in Dutch)
- Het kopen,verkopen,huren en verhuren van bureelbenodigdheden hardware en software.
- Advies met betrekking tot het medium informatica.
- Het verspreiden van kennis over het gebruik van softwarepakketten en aanverwante kennis.
- Adviesverlening in verband met informatisering van administratie of productie van een bedrijf.
- Aankoop en beheer van onroerende goederen ter uitzondering van de geregelde activiteiten van vastgoedmakelaars.
- Alles wat nodig of nuttig is om het voorwerp van de vennootschap te verwezenlijken.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- PECUNIA DATA SYSTEMS
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, bekendmaking in Bijlage tot het Belgisch Staatsblad door bestuurder(s)” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Externe vertegenwoordigingsmacht. Onverminderd bijzondere delegatie verleend door de bestuurder, vertegenwoordigt elke bestuurder alleen de…”
- Board ruleHow the board is made up, meets and takes decisions.
- “Algemene vergadering, 1” (deed in Dutch)“Plaatsvervangend bestuurder, vervangt hem als lasthebber ad hoc ingeval tegenstrijdigheid van belangen tussen hem en vennootschap of ingeval…” (deed in Dutch)“Alleen, alle handelingen van beheer en beschikking die nodig of nuttig zijn voor verwezenlijking van het voorwerp” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- First Tuesday of April at 12:00