Pedes Consult 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 €824k and a net result of €122k. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 66% of 5523 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
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 31-12-2025 was due by 31-07-2026 and was filed on 07-05-2026, 85 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
85 d early
2024
35 d early
2023
34 d early
2022
39 d early
2021
38 d early
2020
37 d early
2019
36 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€824k▼ 17.7%
2024 · €1.00M
2018: €440k
2019: €541k
2020: €590k
2021: €701k
2022: €856k
2023: €966k
2024: €1.00M
2018 → 2025
Net result
€122k▼ 9.6%
2024 · €135k
2018: €90k
2019: €101k
2020: €49k
2021: €111k
2022: €155k
2023: €110k
2024: €135k
2018 → 2025
Total assets
€1.20M▲ 0.8%
2024 · €1.19M
2018: €1.17M
2019: €1.31M
2020: €1.28M
2021: €1.17M
2022: €1.24M
2023: €1.24M
2024: €1.19M
2018 → 2025
Solvency
68.9%▼ 15.5pp
2024 · 84.4%
2018: 37.7%
2019: 41.4%
2020: 46.0%
2021: 59.9%
2022: 69.1%
2023: 77.9%
2024: 84.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€701k-€856k▲ 22.2%€966k▲ 12.8%€1.00M▲ 3.7%€824k▼ 17.7%
Operating result€87k-€75k▼ 13.7%€77k▲ 3.2%€93k▲ 19.8%€93k▲ 0.9%
Net result€111k-€155k▲ 40.1%€110k▼ 29.5%€135k▲ 23.5%€122k▼ 9.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 1% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.20M
Fixed assets
€999k=
Current assets
€197k▲ 4.8%
Equity and liabilities €1.20M
Equity
€824k▼ 17.7%
Debt
€372k▲ 101%
The debt ratio rises from 15.6% to 31.1%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
68.9%▼
2024 · 84.4%
ROE
14.9%▲
2024 · 13.5%
ROA
10.2%▼
2024 · 11.4%
Debt
€372k▲
2024 · €186k
Debt ≤ 1 year
€322k▲
2024 · €140k
Debt > 1 year
€50k▲
2024 · €45k
Income taxes
€18k▲
2024 · €18k
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€1.19M€1.20M▲
Fixed assets21/28€999k€999k=
Financial fixed assets28€999k€999k=
Current assets29/58€188k€197k▲
Amounts receivable within one year40/41€151k€163k▲
Trade receivables40€7k€6k▼
Other amounts receivable41€144k€158k▲
Current investments50/53€10k-
Cash at bank and in hand54/58€26k€33k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€1.19M€1.20M▲
Equity10/15€1.00M€824k▼
Contributions10/11€350k€350k=
Reserves13€651k€474k▼
Distributable reserves133€651k€474k▼
Amounts payable17/49€186k€372k▲
Amounts payable after more than one year17€45k€50k▲
Financial debts170/4€45k€50k▲
Amounts payable within one year42/48€140k€322k▲
Current portion of amounts payable after more than one year42€19k-
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€27k€50k▲
Taxes450/3€27k€50k▲
Other amounts payable47/48€93k€268k▲
Accrued charges and deferred income492/3€315-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k-
Other operating charges640/8€812€452▼
Gross operating margin9900€95k€94k▼
Operating profit (loss)9901€93k€93k▲
Financial income75/76B€69k€55k▼
Recurring financial income75€69k€55k▼
Financial charges65/66B€8k€8k▼
Recurring financial charges65€8k€8k▼
Profit (loss) for the period before taxes9903€153k€141k▼
Income taxes67/77€18k€18k▲
Profit (loss) for the period9904€135k€122k▼
Profit (loss) for the period to be appropriated9905€135k€122k▼
Appropriation of the result
Profit (loss) to be appropriated9906€135k€122k▼
Transfer from equity791/2-€178k
Transfer to equity691/2€35k-
To other reserves6921€35k-
Profit to be distributed694/7€100k€300k▲
Return on contributions (dividend)694€100k€300k▲
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
07-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €1MEq €1.00M ▲3.7%
7 profitable years in a row build equity to €1.00M.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €155k ▲40.1%
Net result €155k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 1.55
Current ratio from 0.59 to 1.55; short-term debt falls from €232k to €144k.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €49k ▼51.5%
Net result drops to €49k, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €500kEq €541k ▲23.1%
2 profitable years in a row build equity to €541k.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zottegem · 1 establishment unit since 2018
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.
Kloosterstraat 929620 ZottegemGround area
635 m²
Building footprint
147 m²
Volume, LiDAR
785 m³
Parcel 41017A0393/00P000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pedes Consult
since 20182.273.177.083
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41017A0393/00P000 | Flanders | 635 m² | 1 · 147 m² | 6.6 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.
Similar companies · same sector, comparable size
H PACK
BE 0717.926.692
Verviers · Eq €824k
IRMA HoldCo
BE 1003.597.434
Westerlo · Eq €824k
InduProjects
BE 0649.766.178
Lommel · Eq €823k
Steven Pauwels
BE 0831.699.576
Beveren-Kruibeke-Zwijndrecht · Eq €824k
Kuman 1920
BE 0563.491.311
Grobbendonk · Eq €823k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,107 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-02-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.