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PelSel

Active
Private limited companyfounded 20223 yrs activeChaussée de Bruxelles 200D, 1410 Waterloo, BelgiumKBO/BCE: BE 0793.576.301
Summary

The computed 12-month bankruptcy probability of PelSel is 5.7% (elevated). The 2025 annual accounts show equity of €8,954 and a net result of €31,186. Equity is shrinking by ~31.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 30% of 15408 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
PelSelActiveChecked score 38/100
Risk analysis ReportCompare

Overview

Activity
Contract catering and other food service activities
NACE 56220Limited-service restaurants NACE 56102Limited-service restaurants, excluding mobile food services NACE 56112
1 site
Size
€133,286total assets 2025
Staff
12.7 FTE
Equity
€8,954
Profit
€31,186
Turnover not published (abridged schema)
Financial health
38 Weak Checked score 2025
Bankruptcy chance 12 m
5.7%
Structure
Accounts filed 10 d late0 of 2 deeds read
Why 38- Sector Food and beverage service activities (NACE 56)- Founded in 2022- Latest accounts 10 days late; 2 of the last 3 late- Size: total assets €133,286Show the evidence

Checked score

Score 2025
38 / 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 55% of its sector peers (NACE 56, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 32+20
equity 6.7% of total assets
Liquidity 15+12
short-term debt 77.4% · cash 5.8%
Profitability 98+98
return on assets 23.4%
Bankruptcy probability, 12 months
5.7% Elevated
0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.9% (23,482 companies)
Last 24 months 11-2024: 8.0% 12-2024: 8.0%● 0.0% vs 11-2024 01-2025: 7.9%▼ -0.9% vs 12-2024 02-2025: 7.9%● 0.0% vs 01-2025 03-2025: 7.9%▼ -0.4% vs 02-2025 04-2025: 9.3%▲ +17.1% vs 03-2025 05-2025: 9.6%▲ +3.4% vs 04-2025 06-2025: 9.7%▲ +1.2% vs 05-2025 07-2025: 9.7%● 0.0% vs 06-2025 08-2025: 10.2%▲ +5.1% vs 07-2025 09-2025: 10.2%▼ -0.1% vs 08-2025 10-2025: 10.7%▲ +5.3% vs 09-2025 11-2025: 10.7%● 0.0% vs 10-2025 12-2025: 10.7%● 0.0% vs 11-2025 01-2026: 10.6%▼ -0.8% vs 12-2025 02-2026: 10.6%● 0.0% vs 01-2026 03-2026: 10.6%▼ -0.3% vs 02-2026 04-2026: 12.0%▲ +13.4% vs 03-2026 05-2026: 12.3%▲ +2.4% vs 04-2026 06-2026: 12.4%▲ +0.8% vs 05-2026highest value 07-2026: 11.9%▼ -4.3% vs 06-2026 08-2026: 7.6%▼ -35.7% vs 07-2026 09-2026: 5.7%▼ -24.7% vs 08-2026lowest value 10-2026: 5.7%● 0.0% vs 09-2026lowest value
  • Sector Food and beverage service activities (NACE 56) raises the probability
  • Founded in 2022 raises the probability for this profile
  • Latest accounts 10 days late; 2 of the last 3 late raises the probability
  • Size: total assets €133,286 raises the probability for this profile
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.26 against 0.25 in 2024; short-term debt: 77.4% and cash: 5.8% of total assets), and 93.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 31%, liquidity 13%, profitability 85%, growth against the median 92%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Sector Food and beverage service activities (NACE 56)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Founded in 2022
In the bankruptcy model this factor raises the probability for this profile.
KBO
raises risk · Latest accounts 10 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Size: total assets €133,286
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filings
Deviation from the deadline
2025
10 d late
2024
42 d late
2023
51 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 34 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 11 September (3 of the last 3 filed years within 32 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Back to profitnet €31,186
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Back in profit in 2025after -€45,302 in 2024 €31,186 View
  • Positive: Among the best 19% on net resultsector median €4,933 · 15,387 companies €31,186 View
  • Total assets 20253 fiscal years filed €133,286 View

By topic

Financials

Fiscal year
2025
Total assets
€133,286
Profit
€31,186
Solvency
6.7%
Total assets▼ 23.5%
Net result
20232025
Go to Financials

Timeline

Events
4
Since
2024
Next accounts
by 31-07-2027
  1. 10-08-2026Annual accounts filed
  2. 31-12-2025Back to profit
  3. 11-09-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Contract catering and other food service activitiesNACE 56220
Founded
15-11-2022
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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