PELC
ActiveThe computed 12-month bankruptcy probability of PELC is 1.6% (moderate). The 2025 annual accounts show equity of €70k and a net result of €2k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 29% of 17366 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability11▲+11
Solvency7▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity short (current ratio 0.01 against 0.04 in 2024), and 90.1% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
9.9%
Return on assets
0.2%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
5 d early
2024
7 d early
2023
6 d early
2022
57 d early
2021
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close06-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€70k▲ 2.2%
2024 · €69k
2021: €60k
2022: €64k
2023: €70k
2024: €69k
2021 → 2025
Total assets
€709k▼ 3.1%
2024 · €731k
2021: €782k
2022: €766k
2023: €749k
2024: €731k
2021 → 2025
Net result
€2k
2024 · €-1k
2021: €-10k
2022: €4k
2023: €6k
2024: €-1k
2021 → 2025
Working capital
€-357k▼ 22.6%
2024 · €-291k
2021: €-253k
2022: €-264k
2023: €-273k
2024: €-291k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€64k▲ 6.5%€70k▲ 9.8%€69k▼ 2.1%€70k▲ 2.2%
Operating result€848-€10k▲ 1,112%€12k▲ 19.0%€10k▼ 20.0%€14k▲ 42.0%
Net result€-10k-€4k€6k▲ 61.0%€-1k€2k
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 42% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €709k
Fixed assets
€704k▼ 2.0%
Current assets
€5k▼ 63.7%
Equity and liabilities €709k
Equity
€70k▲ 2.2%
Debt
€638k▼ 3.6%
The debt ratio falls from 90.6% to 90.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€32k▲
2024 · €28k
Cash flow
€19k▲
2024 · €16k
Solvency
9.9%▲
2024 · 9.4%
Current ratio
0.01▼
2024 · 0.04
Quick ratio
0.01▼
2024 · 0.04
Debt / equity
9.07▼
2024 · 9.62
ROE
2.1%▲
2024 · -2.1%
ROA
0.2%▲
2024 · -0.2%
Interest coverage
2.55▲
2024 · 2.47
Debt
€638k▼
2024 · €662k
Debt ≤ 1 year
€361k▲
2024 · €304k
Debt > 1 year
€277k▼
2024 · €359k
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
Total assets
20/58€731k€709k▼
Fixed assets
21/28€719k€704k▼
Formation expenses
20€0€0=
Tangible fixed assets
22/27€719k€704k▼
Current assets
29/58€13k€5k▼
Amounts receivable within one year
40/41€2k€2k▲
Cash & bank
54/58€11k€2k▼
Total equity & liabilities
10/49€731k€709k▼
Equity
10/15€69k€70k▲
Contributions / capital
10/11€70k€70k=
Accumulated profits (losses)
14€-1k€389▲
Amounts payable
17/49€662k€638k▼
Amounts payable after one year
17€359k€277k▼
Amounts payable within one year
42/48€304k€361k▲
Trade debts payable within one year
44€373€482▲
Income statement
Code20242025
Gross operating margin
9900€30k€34k▲
Operating result
9901€10k€14k▲
Financial charges
65€11k€12k▲
Result before taxes
9903€-1k€2k▲
Income taxes
67/77€91-
Net result for the period
9904€-1k€2k▲
Result to be appropriated
9905€-1k€2k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
24-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2021net €6k ▲61%
Net result €6k, the highest in the series.
2022
05-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
FAROSE
BE 0867.740.521
Lessines · Eq €70k
Freco Retail
BE 0677.565.883
Waregem · Eq €71k
SALVE MARTINE
BE 0449.180.868
Bastogne · Eq €70k
Slagerij Tom & Ciska
BE 0788.800.733
Anzegem · Eq €71k
VLEESWINKEL WILLEMS
BE 0479.569.582
Schilde · Eq €71k
Of 3,023 companies in sector 47221 we hold annual accounts for 1,513. 1,315 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2020
Fiscal year end30-06
Activities, NACEBEL
47221Retail sale of meat and meat products, excluding game and poultry
43240Other construction installation
43299Specialised construction activities
43331Floor and wall tiling
47271Retail trade
47291Retail trade
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-08-2026. Scores and ratios are computed by Checked and are not a credit decision.