Pegosa
ActivePegosa has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €596k and a net result of €87k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 80% of 16377 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+1
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 5.85 against 17.19 in 2024), and 12% 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
88%
Return on assets
12.8%
Age of the figures
11 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 10-03-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
1 d early
2023
61 d early
2022
53 d early
2021
39 d early
2020
67 d early
2019
73 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€596k▲ 3.8%
2024 · €574k
2018: €409k
2019: €476k
2020: €511k
2021: €511k
2022: €500k
2023: €553k
2024: €574k
2018 → 2025
Total assets
€677k▲ 11.5%
2024 · €608k
2018: €559k
2019: €607k
2020: €622k
2021: €606k
2022: €599k
2023: €613k
2024: €608k
2018 → 2025
Net result
€87k▲ 4.7%
2024 · €83k
2018: €69k
2019: €67k
2020: €35k
2021: €74k
2022: €94k
2023: €98k
2024: €83k
2018 → 2025
Working capital
€394k▲ 3.6%
2024 · €380k
2018: €325k
2019: €394k
2020: €425k
2021: €388k
2022: €364k
2023: €366k
2024: €380k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€511k-€500k▼ 2.0%€553k▲ 10.5%€574k▲ 3.8%€596k▲ 3.8%
Operating result€102k-€133k▲ 30.4%€138k▲ 4.4%€119k▼ 14.1%€121k▲ 2.0%
Net result€74k-€94k▲ 27.0%€98k▲ 4.2%€83k▼ 14.8%€87k▲ 4.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €677k
Fixed assets
€202k▼ 0.7%
Current assets
€475k▲ 17.7%
Equity and liabilities €677k
Equity
€596k▲ 3.8%
Debt
€82k▲ 142%
The debt ratio rises from 5.5% to 12.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€136k▲
2024 · €133k
Cash flow
€101k▲
2024 · €97k
Solvency
88.0%▼
2024 · 94.5%
Current ratio
5.85▼
2024 · 17.19
Quick ratio
5.85▼
2024 · 17.19
Debt / equity
0.14▲
2024 · 0.06
ROE
14.6%▲
2024 · 14.5%
ROA
12.8%▼
2024 · 13.7%
Interest coverage
19.60▼
2024 · 33.30
Debt
€82k▲
2024 · €34k
Debt ≤ 1 year
€81k▲
2024 · €24k
Income taxes
€36k▲
2024 · €34k
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€608k€677k▲
Fixed assets21/28€204k€202k▼
Tangible fixed assets22/27€204k€202k▼
Furniture and vehicles24€2k€13k▲
Other tangible fixed assets26€202k€189k▼
Current assets29/58€404k€475k▲
Amounts receivable within one year40/41€45k€232k▲
Trade receivables40€20k€19k▼
Other amounts receivable41€25k€212k▲
Cash at bank and in hand54/58€357k€242k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€608k€677k▲
Equity10/15€574k€596k▲
Contributions10/11€13k€13k=
Reserves13€529k€550k▲
Tax-exempt reserves132€55k€55k=
Distributable reserves133€474k€495k▲
Profit (loss) carried forward14€33k€34k▲
Amounts payable17/49€34k€82k▲
Amounts payable after more than one year17€10k-
Financial debts170/4€10k-
Amounts payable within one year42/48€24k€81k▲
Current portion of amounts payable after more than one year42€20k€10k▼
Trade debts44-€885
Suppliers440/4-€885
Taxes, remuneration and social security45€4k€9k▲
Taxes450/3€4k€9k▲
Other amounts payable47/48-€62k
Accrued charges and deferred income492/3€291€300▲
Income statement
Code20242025
Non-recurring operating income76A-€10k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▲
Other operating charges640/8€507€582▲
Gross operating margin9900€133k€136k▲
Operating profit (loss)9901€119k€121k▲
Financial income75/76B€3k€9k▲
Recurring financial income75€3k€9k▲
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€117k€123k▲
Income taxes67/77€34k€36k▲
Profit (loss) for the period9904€83k€87k▲
Profit (loss) for the period to be appropriated9905€83k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€114k€120k▲
Profit (loss) brought forward from the previous period14P€31k€33k▲
Transfer from equity791/2€62k€65k▲
Transfer to equity691/2€81k€86k▲
To other reserves6921€81k€86k▲
Profit to be distributed694/7€62k€65k▲
Return on contributions (dividend)694€62k€65k▲
The notes to these accounts (10 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
10-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €98k ▲4.2%
Operating result €138k, net result €98k, both a record.
08-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Weakest financial yearnet €35k ▼47.2%
Net result drops to €35k, the lowest in the series; recovery starts the following year.
30-09
Financial
Equity above €500kEq €511k ▲7.5%
3 profitable years in a row build equity to €511k.
17-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
24-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Heist-op-den-Berg · 1 establishment unit since 2007
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.
Grasheideweg 492223 Heist-op-den-BergGround area
4,724 m²
Building footprint
195 m²
Volume, LiDAR
969 m³
Parcel 12033A0800/00E000, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GOOVAERTS KRISTEL
since 20072.172.087.049
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12033A0800/00E000 | Flanders | 4,724 m² | 1 · 195 m² | 6.7 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.
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Of 6,926 companies in sector 86230 we hold annual accounts for 4,282. 3,360 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2007
Fiscal year end30-09
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.