PEDESS
ActivePEDESS has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €218k and a net result of €44k. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 80% of 2042 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
95
/ 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
Profitability89▲+5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 3.84 against 4.11 in 2024; short-term debt: 20.6% of total assets), and 20.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
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
79.4%
Return on assets
16.1%
Age of the figures
9 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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
35 d early
2023
57 d late
2022
32 d late
2021
158 d late
2020
31 d late
2019
98 d late
← 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
€218k▲ 25.5%
2024 · €174k
2018: €35k
2019: €49k
2020: €59k
2021: €106k
2022: €129k
2023: €148k
2024: €174k
2018 → 2025
Total assets
€275k▲ 26.8%
2024 · €217k
2018: €75k
2019: €100k
2020: €112k
2021: €178k
2022: €230k
2023: €219k
2024: €217k
2018 → 2025
Net result
€44k▲ 72.5%
2024 · €26k
2018: €8k
2019: €14k
2020: €10k
2021: €47k
2022: €23k
2023: €30k
2024: €26k
2018 → 2025
Working capital
€161k▲ 20.6%
2024 · €133k
2018: €22k
2019: €26k
2020: €43k
2021: €85k
2022: €114k
2023: €94k
2024: €133k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€106k-€129k▲ 21.4%€148k▲ 15.3%€174k▲ 17.3%€218k▲ 25.5%
Operating result€58k-€32k▼ 44.3%€41k▲ 28.3%€36k▼ 14.3%€61k▲ 71.5%
Net result€47k-€23k▼ 51.3%€30k▲ 33.0%€26k▼ 14.7%€44k▲ 72.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 71% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €275k
Fixed assets
€58k▲ 41.4%
Current assets
€217k▲ 23.4%
Equity and liabilities €275k
Equity
€218k▲ 25.5%
Debt
€57k▲ 32.3%
The debt ratio rises from 19.7% to 20.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€80k▲
2024 · €49k
Cash flow
€63k▲
2024 · €40k
Solvency
79.4%▼
2024 · 80.3%
Current ratio
3.84▼
2024 · 4.11
Quick ratio
3.84▼
2024 · 4.11
Debt / equity
0.26▲
2024 · 0.25
ROE
20.3%▲
2024 · 14.8%
ROA
16.1%▲
2024 · 11.9%
Interest coverage
136.26▼
2024 · 465.63
Debt
€57k▲
2024 · €43k
Debt ≤ 1 year
€57k▲
2024 · €43k
Income taxes
€16k▲
2024 · €10k
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€217k€275k▲
Fixed assets21/28€41k€58k▲
Tangible fixed assets22/27€41k€58k▲
Furniture and vehicles24€41k€58k▲
Financial fixed assets28€15-
Current assets29/58€176k€217k▲
Amounts receivable within one year40/41€40k€38k▼
Trade receivables40€40k€38k▼
Current investments50/53€130k€174k▲
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€217k€275k▲
Equity10/15€174k€218k▲
Contributions10/11€19k€19k=
Reserves13€155k€200k▲
Distributable reserves133€155k€200k▲
Amounts payable17/49€43k€57k▲
Amounts payable within one year42/48€43k€57k▲
Trade debts44€12k€17k▲
Suppliers440/4€12k€17k▲
Taxes, remuneration and social security45€8k€15k▲
Taxes450/3€8k€15k▲
Other amounts payable47/48€23k€25k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€19k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€8k-
Other operating charges640/8€2k€3k▲
Gross operating margin9900€59k€83k▲
Operating profit (loss)9901€36k€61k▲
Financial income75/76B€332€43▼
Recurring financial income75€332€43▼
Financial charges65/66B€106€587▲
Recurring financial charges65€106€587▲
Profit (loss) for the period before taxes9903€36k€60k▲
Income taxes67/77€10k€16k▲
Profit (loss) for the period9904€26k€44k▲
Profit (loss) for the period to be appropriated9905€26k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€44k▲
Transfer to equity691/2€26k€44k▲
To other reserves6921€26k€44k▲
The notes to these accounts (7 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €218k ▲25.5%
8 profitable years in a row build equity to €218k.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €174k ▲17.3%
7 profitable years in a row build equity to €174k.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
05-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 158 days late
2021
31-12
Financial
Highest result since 2018net €47k ▲356%
Net result €47k, the highest in the series.
31-12
Financial
Equity above €100kEq €106k ▲78.4%
4 profitable years in a row build equity to €106k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 98 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
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, Buggenhout · 2 establishment units since 2003
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.
Brusselmansstraat 59255 BuggenhoutGround area
1,950 m²
Building footprint
287 m²
Volume, LiDAR
1,197 m³
2 parcels, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
PEDESS
since 20032.133.216.872
PEDESS
since 20242.355.046.865
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12034A0691/00T002 | Flanders | 1,129 m² | 1 · 213 m² | 5.7 m · 1 fl. |
| 42522B0651/00H000 | Flanders | 821 m² | 1 · 75 m² | 9.1 m · 2 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 1,038 companies in sector 85531 we hold annual accounts for 347. 248 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2003
Fiscal year end31-12
Activities, NACEBEL
85531Driving schools for cars and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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.