PEL CONSULT
ActivePEL CONSULT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €108k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 16511 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+2
Solvency41▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.12 in 2024; short-term debt: 83.8% and cash: 54.9% of total assets), and 83.8% 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 86
Relative position
BE, all sectors
reference
Sector 86
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
16.2%
Return on assets
59.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 16511 sector peers (2025).
NBB · sector comparisonPosition among 16511 sector peers
Solvency
better than 18%
← weakest
strongest →
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
23 d early
2023
26 d late
2022
60 d early
2021
26 d late
2020
60 d early
2019
32 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€29k▼ 2.5%
2024 · €30k
2018: €-4k
2019: €28k
2020: €52k
2021: €101k
2022: €134k
2023: €128k
2024: €30k
2018 → 2025
Total assets
€180k▼ 27.8%
2024 · €250k
2018: €2k
2019: €39k
2020: €80k
2021: €210k
2022: €271k
2023: €217k
2024: €250k
2018 → 2025
Net result
€108k▲ 83.4%
2024 · €59k
2018: €-4k
2019: €25k
2020: €24k
2021: €58k
2022: €77k
2023: €40k
2024: €59k
2018 → 2025
Working capital
€25k▼ 2.5%
2024 · €25k
2018: €-4k
2019: €28k
2020: €52k
2021: €91k
2022: €126k
2023: €122k
2024: €25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€101k-€134k▲ 31.7%€128k▼ 3.9%€30k▼ 76.6%€29k▼ 2.5%
Operating result€81k-€101k▲ 25.9%€67k▼ 34.2%€74k▲ 10.3%€138k▲ 87.8%
Net result€58k-€77k▲ 31.3%€40k▼ 47.4%€59k▲ 45.8%€108k▲ 83.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 88% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €180k
Fixed assets
€5k▼ 70.7%
Current assets
€176k▼ 24.9%
Equity and liabilities €180k
Equity
€29k▼ 2.5%
Debt
€151k▼ 31.2%
The debt ratio falls from 88.0% to 83.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€140k▲
2024 · €95k
Cash flow
€109k▲
2024 · €80k
Solvency
16.2%▲
2024 · 12.0%
Current ratio
1.16▲
2024 · 1.12
Quick ratio
1.16▲
2024 · 1.12
Debt / equity
5.17▼
2024 · 7.32
ROE
367.9%▲
2024 · 195.5%
ROA
59.7%▲
2024 · 23.5%
Interest coverage
76.47▼
2024 · 122.32
Debt
€151k▼
2024 · €220k
Debt ≤ 1 year
€151k▼
2024 · €209k
Income taxes
€29k▲
2024 · €15k
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€250k€180k▼
Fixed assets21/28€16k€5k▼
Tangible fixed assets22/27€15k€4k▼
Furniture and vehicles24€15k€4k▼
Financial fixed assets28€99€99=
Current assets29/58€234k€176k▼
Amounts receivable after more than one year29€10k€8k▼
Other amounts receivable291€10k€8k▼
Amounts receivable within one year40/41€27k€51k▲
Trade receivables40-€23k
Other amounts receivable41€27k€27k▼
Cash at bank and in hand54/58€175k€99k▼
Deferred charges and accrued income490/1€21k€18k▼
Equity and liabilities
Total equity and liabilities10/49€250k€180k▼
Equity10/15€30k€29k▼
Contributions10/11€12k€12k=
Reserves13€7k€7k=
Non-distributable reserves130/1€5k€5k=
Other1319€5k€5k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€11k€10k▼
Amounts payable17/49€220k€151k▼
Amounts payable after more than one year17€10k-
Financial debts170/4€10k-
Amounts payable within one year42/48€209k€151k▼
Current portion of amounts payable after more than one year42€15k-
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45€56k€64k▲
Taxes450/3€56k€64k▲
Other amounts payable47/48€135k€82k▼
Accrued charges and deferred income492/3€400-
Income statement
Code20242025
Non-recurring operating income76A-€23k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€1k▼
Other operating charges640/8€1k€136▼
Non-recurring operating charges66A€126-
Gross operating margin9900€96k€140k▲
Operating profit (loss)9901€74k€138k▲
Financial income75/76B€1k€185▼
Recurring financial income75€1k€185▼
Financial charges65/66B€773€2k▲
Recurring financial charges65€773€2k▲
Profit (loss) for the period before taxes9903€74k€137k▲
Income taxes67/77€15k€29k▲
Profit (loss) for the period9904€59k€108k▲
Profit (loss) for the period to be appropriated9905€59k€108k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€118k▲
Profit (loss) brought forward from the previous period14P€9k€11k▲
Transfer from equity791/2€100k-
Profit to be distributed694/7€157k€108k▼
Return on contributions (dividend)694€157k€108k▼
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €108k ▲83.4%
Operating result €138k, net result €108k, both a record.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Equity above €100kEq €101k ▲96.2%
3 profitable years in a row build equity to €101k.
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-12
Financial
Liquidity times 11current ratio 3.49
Current ratio from 0.32 to 3.49.
25-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
06-04
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Kampenhout · 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.
Bergstraat 1401910 KampenhoutGround area
2,052 m²
Building footprint
264 m²
Volume, LiDAR
1,525 m³
2 parcels, Flanders, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pel Consult
since 20072.158.779.144
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25037G0221/00F000 | Wallonia | 1,188 m² | 1 · 130 m² | 8.4 m · 2 fl. |
| 23008D0366/00K002 | Flanders | 864 m² | 1 · 134 m² | 7.7 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.
Similar companies · same sector, comparable size
ABOUT DENTAL CARE
BE 1005.813.388
Brussel · Eq €29k
Michels Marleen
BE 0785.576.175
Tielt-Winge · Eq €29k
ProDentaPlus
BE 0770.647.776
Sint-Niklaas · Eq €29k
TOPAZ DENTAL CLINIC
BE 0715.802.392
Ukkel · Eq €29k
IDENTIX
BE 0744.984.843
Sint-Pieters-Woluwe · Eq €29k
Of 6,942 companies in sector 86230 we hold annual accounts for 4,291. 2,551 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-2007
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.