Pencil@Home

Active

Private limited companyfounded 2023active for 2 yearsEverparkstraat 54, 9940 Evergem, BelgiumKBO/BCE: BE 1003.129.260

Summary

Pencil@Home has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€205) and a net result of -€9,154. Its solvency ranks better than 14% of 9,627 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisFollow Report Compare

Pencil@HomeActiveChecked score 53/100

Risk analysis Report Compare

Activity

Office administrative and support services

NACE 82100

1 site

Size

€107,091total assets 2025

Equity: -€205
Loss: -€9,154

Turnover not published (micro format)

Financial health

53 Fair Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.8%

Structure

DE VEIRMAN Sabine Irma EmielDirector
DE VRIEZE Wim Aurèle IrmaDirector

2025 accounts filed 31 days late

Why 53raises riskCapped at 59: negative equityLast filed accounts filed 31 days late; 1 of the last 3 lateFounded in 2023lowers riskSector: Office administrative, office support and other business support activities (NACE 82)Size: total assets €107,091Show the evidence

Checked score

Score 2025

53 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 13% of its sector peers (NACE 82, micro)

Negative equity caps the score at 59. Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 25-8

equity -0.2% of total assets

Liquidity 7+6

short-term debt 100.2% · cash 5.4%

Profitability 58-18

return on assets -8.5%

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (12,649 companies, NACE 82, micro)

Last 24 months 01-2025: 0.6%lowest value 02-2025: 0.6%● unchanged vs 01-2025 03-2025: 0.6%● unchanged vs 02-2025 04-2025: 0.7%▲ +0.1 percentage points vs 03-2025 05-2025: 0.7%● unchanged vs 04-2025 06-2025: 0.8%▲ +0.1 percentage points vs 05-2025 07-2025: 0.8%● unchanged vs 06-2025 08-2025: 0.9%▲ +0.1 percentage points vs 07-2025 09-2025: 0.8%▼ -0.1 percentage points vs 08-2025 10-2025: 0.8%● unchanged vs 09-2025 11-2025: 0.8%● unchanged vs 10-2025 12-2025: 0.8%● unchanged vs 11-2025 01-2026: 0.8%● unchanged vs 12-2025 02-2026: 0.8%● unchanged vs 01-2026 03-2026: 0.8%● unchanged vs 02-2026 04-2026: 0.9%▲ +0.1 percentage points vs 03-2026 05-2026: 0.9%● unchanged vs 04-2026 06-2026: 0.8%▼ -0.1 percentage points vs 05-2026 07-2026: 0.9%▲ +0.1 percentage points vs 06-2026 08-2026: 1.2%▲ +0.3 percentage points vs 07-2026highest value 09-2026: 0.8%▼ -0.4 percentage points vs 08-2026 10-2026: 0.8%● unchanged vs 09-2026

No credit on open account

Liquidity insufficient (current ratio 0.09, compared with 0.04 in 2024, below 1; short-term debt: 100.2% and cash: 5.4% of total assets), and equity is negative.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro): better than 13% on solvency, 5% on liquidity, 30% on profitability and 4% on growth.

The bankruptcy probability was computed on 26-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises risk

Sector: Office administrative, office support and other business support activities (NACE 82)

KBO

Size: total assets €107,091

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Last filed accounts filed 31 days late; 1 of the last 3 late

NBB · filings

Founded in 2023

Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.

KBO

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

2425

2024 to 2025 · latest year -€205

2025 accounts filed 31 days late

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 2 filings

Deviation from the deadline

2025

31 days late

2024

29 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 30 days after the deadline; the sector median (NACE 82) for financial year 2024 is 7 days before the deadline, and 35% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

Companies Code · seven months

Where today falls in the filing period

27-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since incorporation in 2023.

KBO publications · our coverage

31-08-2026 Annual accounts filedfinancial year 2025 · micro…
29-08-2025 Annual accounts filedfinancial year 2024 · micro…
11-12-2023 IncorporationAppointments: DE VRIEZE Wim Aurèle…

Key points

Risk: Negative equityfinancial year 2025: debts exceed assets -€205 View
Caution: Among the weakest 13% on net resultsector median €16,289 · 9,623 companies -€9,154 View
Board2 directors in office 2 View

By topic

Financials

Financial year: 2025
Total assets: €107,091
Loss: -€9,154
Solvency: -0.2%

Total assets▼ 9.5%

Net result

20242025

Go to Financials

Board & ownership

Board: 2 members

DE VEIRMAN Sabine Irma EmielDirector
DE VRIEZE Wim Aurèle IrmaDirector

Go to Board & ownership

Timeline

Events: 3
Since: 2023
Next accounts: by 31-07-2027

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Office administrative and support servicesNACE 82100
Founded: 07-12-2023
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 18

Annual meeting: Last Saturday of June at 11:00
Purpose: “Algemene administratie: uitvoeren van administratieve taken, meer specifiek opstellen en…” (deed in Dutch)

Go to Articles of association

Key facts about Pencil@Home

What is the company number of Pencil@Home?: 1003.129.260. In Belgium the VAT number is the company number with BE in front: BE 1003.129.260.
Where is Pencil@Home based?: The registered office is at Everparkstraat 54, 9940 Evergem.Company details
What does Pencil@Home do?: According to the KBO register, the main activity is office administrative and support services (NACE 82100).
What is the legal form of Pencil@Home?: Private limited company (BV).
When was Pencil@Home founded?: On 07-12-2023.
Is Pencil@Home still active?: Yes, Pencil@Home is an active enterprise in the KBO register.
What is the turnover of Pencil@Home?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is Pencil@Home profitable?: In financial year 2025, Pencil@Home made a loss of €9,154.
Where can I find the annual accounts of Pencil@Home?: Pencil@Home filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Pencil@Home due?: By 31-07-2027, for financial year 2026.Timeline