Pegra
ActivePegra has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €247k and a net result of €76k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 40% of 7932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-5
Solvency60▲+6
Growth78=
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 1.92 against 1.9 in 2024; short-term debt: 47.7% and cash: 23.2% of total assets), but 64.9% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
35.1%
Return on assets
10.8%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 04-06-2026, 57 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
57 d early
2024
29 d early
2023
21 d early
2022
14 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€247k▲ 11.7%
2024 · €221k
2022: €162k
2023: €209k
2024: €221k
2022 → 2025
Total assets
€702k▼ 8.2%
2024 · €765k
2022: €754k
2023: €713k
2024: €765k
2022 → 2025
Net result
€76k▼ 32.4%
2024 · €112k
2022: €22k
2023: €146k
2024: €112k
2022 → 2025
Working capital
€308k▼ 12.3%
2024 · €352k
2022: €333k
2023: €360k
2024: €352k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€162k-€209k▲ 28.6%€221k▲ 5.8%€247k▲ 11.7%
Operating result€43k-€165k▲ 283%€122k▼ 25.9%€85k▼ 29.9%
Net result€22k-€146k▲ 554%€112k▼ 23.4%€76k▼ 32.4%
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 has fallen two years in a row; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €702k
Fixed assets
€59k▲ 179%
Current assets
€643k▼ 13.5%
Equity and liabilities €702k
Equity
€247k▲ 11.7%
Debt
€456k▼ 16.3%
The debt ratio falls from 71.1% to 64.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€100k▼
2024 · €172k
Cash flow
€90k▼
2024 · €162k
Solvency
35.1%▲
2024 · 28.9%
Current ratio
1.92▲
2024 · 1.90
Quick ratio
1.40▲
2024 · 1.39
Debt / equity
1.85▼
2024 · 2.46
ROE
30.7%▼
2024 · 50.8%
ROA
10.8%▼
2024 · 14.7%
Interest coverage
17.88▼
2024 · 26.97
Debt
€456k▼
2024 · €544k
Debt ≤ 1 year
€335k▼
2024 · €392k
Debt > 1 year
€121k▼
2024 · €152k
Income taxes
€6k▲
2024 · €4k
Staff costs
€111k▼
2024 · €112k
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€765k€702k▼
Fixed assets21/28€21k€59k▲
Intangible fixed assets21€3k€14k▲
Tangible fixed assets22/27€18k€45k▲
Plant, machinery and equipment23€13k€10k▼
Furniture and vehicles24€5k€36k▲
Current assets29/58€744k€643k▼
Stocks and contracts in progress3€200k€176k▼
Stocks30/36€200k€176k▼
Amounts receivable within one year40/41€229k€197k▼
Trade receivables40€229k€197k▼
Current investments50/53€158k€108k▼
Cash at bank and in hand54/58€157k€163k▲
Equity and liabilities
Total equity and liabilities10/49€765k€702k▼
Equity10/15€221k€247k▲
Contributions10/11€140k€140k=
Reserves13€81k€107k▲
Distributable reserves133€81k€107k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€544k€456k▼
Amounts payable after more than one year17€152k€121k▼
Financial debts170/4€152k€121k▼
Amounts payable within one year42/48€392k€335k▼
Current portion of amounts payable after more than one year42€58k€67k▲
Trade debts44€67k€47k▼
Suppliers440/4€67k€47k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€41k€42k▲
Taxes450/3€28k€29k▲
Remuneration and social security454/9€13k€13k▼
Other amounts payable47/48€226k€178k▼
Accrued charges and deferred income492/3-€40
Income statement
Code20242025
Remuneration, social security and pensions62€112k€111k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€14k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-903€92▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€285k€213k▼
Operating profit (loss)9901€122k€85k▼
Financial income75/76B€580€1k▲
Recurring financial income75€580€1k▲
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€116k€81k▼
Income taxes67/77€4k€6k▲
Profit (loss) for the period9904€112k€76k▼
Profit (loss) for the period to be appropriated9905€112k€76k▼
Appropriation of the result
Profit (loss) to be appropriated9906€112k€76k▼
Transfer to equity691/2€12k€26k▲
To other reserves6921€12k€26k▲
Profit to be distributed694/7€100k€50k▼
Directors or managers695€100k€50k▼
Social balance
Average headcount (FTE)90872.32.3=
The notes to these accounts (19 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2022net €146k ▲554%
Operating result €165k, net result €146k, both a record.
31-12
Financial
Equity above €200kEq €209k ▲28.6%
2 profitable years in a row build equity to €209k.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Leuven · 1 establishment unit since 2022
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.
Wijgmaalsesteenweg 323012 LeuvenGround area
2,690 m²
Building footprint
1,573 m²
Volume, LiDAR
8,689 m³
Parcel 24126C0073/00H004, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pegra BV
since 20222.325.696.942
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24126C0073/00H004 | Flanders | 2,690 m² | 1 · 1,573 m² | 7.8 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 210 EUR awarded · 210 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 210 EUR | 210 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 472 companies in sector 46842 we hold annual accounts for 346. 249 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-2021
Fiscal year end31-12
Activities, NACEBEL
46842Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.