Skip to content
Checked.be
Complete company report
Generated 13-08-2026
Active BE 1000.412.567Private limited company

PENCAR

Rue de Ronquières(LUT) 1 ·6238 Pont-à-Celles, Belgium· 2 yrs active
Sector: Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton) (47811)
Conclusion Checked

The computed 12-month bankruptcy probability of PENCAR is 3.1% (moderate). The 2024 annual accounts show equity of €10k and a net result of €-5k. Its solvency ranks better than 55% of 6698 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €10k
Net result €-5k
Better than sector 55%
Active 2 yrs
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health15Profitability0Solvency26Growth-Stability67
27 / 100

Fragile profile, watch profitability in particular.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 15
Profitability 0
Solvency 26
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
3.1% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Annual accounts: weaker financial profile +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
15 / 100 Critical
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 21-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 25.1% 20.4%
better than 55% of 6698 sector peers
Net result €-5k €4k
better than 24% of 6678 sector peers
Equity €10k €16k
better than 42% of 6712 sector peers
Gross operating margin €-748 €24k
better than 19% of 6657 sector peers
Total assets €39k €94k
better than 26% of 6702 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€-748
Net profit€-5k
Cash flow€-817
Staff costs-
Income taxes-
Dividends-
Total assets€39k
Equity€10k
Debt€30k
of which ≤ 1y€30k
of which > 1y-
Working capital€-29k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.02
Quick ratio0.02
Working capital ratio-73.2%
Solvency25.1%
Debt / equity2.99
Long-term debt ratio-
Interest coverage-10.84
Gross margin-
Net margin-
ROA-13.0%
ROE-51.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€39k
Fixed assets 21/28€39k
Intangible fixed assets 21€39k
Current assets 29/58€660
Amounts receivable within one year 40/41€106
Cash & bank 54/58€554
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€39k
Equity 10/15€10k
Contributions / capital 10/11€15k
Accumulated profits (losses) 14€-5k
Amounts payable 17/49€30k
Amounts payable within one year 42/48€30k
Trade debts payable within one year 44€29k
Income statement
Gross operating margin 9900€-748
Operating result 9901€-5k
Financial charges 65€69
Result before taxes 9903€-5k
Net result for the period 9904€-5k
Result to be appropriated 9905€-5k
Ratios computed by Checked.
Legal Structure
NACE primary Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)(47811)
Legal form Private limited company(610)
Incorporation28-09-2023
StatusActive
Postal code6238
Establishment units 1 location
PENCAR
Rue de Ronquières(LUT) 1, 6238 Pont-à-CellesInstallatie van de bedrading voor telefooninstallaties en computersystemen
since 20232.350.300.694
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Updates 1 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
21-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)45201Reparatie en montage van specifieke auto-onderdelen45203Onderhoud en reparatie van motorvoertuigen, n.e.g.45209Detailhandel in en onderhoud en reparatie van motorfietsen en delen en toebehoren van motorfietsen45402Detailhandel in motorrijwielen, delen en toebehoren van motorrijwielen47830Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)95311Reparatie en montage van specifieke auto-onderdelen95313Onderhoud en reparatie van motorvoertuigen, neg95319
Primary activity highlighted.
Names & trade names
Legal nameFR PENCAR
Registered office
Rue de Ronquières(LUT) 1
6238 Pont-à-Celles, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Comparable size · 1,103 of 10,656 companies in this sector with filed accounts
AUTO MEGAS BE 0791.500.501 · Oudsbergen
M.ENGINEERING SOLUTIONS BE 0759.712.314 · Anderlecht
SELECTED CARS BV BE 0782.807.915 · Zaventem
V&V VEHICLES BE 0872.508.961 · Ittre
BELMIRA BE 0753.697.027 · Wemmel
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative