PENDERS J.

Active

Private limited companyfounded 20233 yrs activeVlessersweg 80, 3650 Dilsen-Stokkem, BelgiumKBO/BCE: BE 0801.033.720

PENDERS J. has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €3k and a net result of €944. Its solvency ranks better than 20% of 3941 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).

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Checked score

Score 2024

51 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability70

Solvency27

Growth-

Track record79

Bankruptcy probability, 12 months

0.5% Low

0%0.5%1.5%4%10%≥ 25%

How do we compute the score and the probability?

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

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 01

Relative position

BE, all sectors

reference

Sector 01

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

2.4%

Return on assets

0.7%

Age of the figures

21 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 3941 sector peers (2024).

NBB · sector comparison

Position among 3941 sector peers

Solvency

better than 20%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-07-2025, 3 days ahead of the deadline.

NBB · 1 filing

Deviation from the deadline

2024

3 d early

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Equity

€3k

Total assets

€142k

Net result

€944

Working capital

€-89k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €142k

83.1%

16.9%

Fixed assets €118k

Current assets €24k

Equity and liabilities €142k

97.6%

Equity €3k

Debt €139k

Debt finances 97.6% of the balance-sheet total.

Key figures and ratios

2024 value

EBITDA

€11k

Cash flow

€9k

Solvency

2.4%

Current ratio

0.21

Quick ratio

0.14

Debt / equity

40.30

ROE

27.4%

ROA

0.7%

Interest coverage

6.14

Debt

€139k

Debt ≤ 1 year

€113k

Debt > 1 year

€26k

Filed annual accounts

As filed with the NBB · 2024

Balance sheet Code2024

Assets

Total assets20/58€142k

Fixed assets21/28€118k

Intangible fixed assets21€5k

Tangible fixed assets22/27€113k

Plant, machinery and equipment23€92k

Furniture and vehicles24€21k

Current assets29/58€24k

Stocks and contracts in progress3€8k

Stocks30/36€8k

Amounts receivable within one year40/41€11k

Trade receivables40€9k

Other amounts receivable41€2k

Cash at bank and in hand54/58€4k

Deferred charges and accrued income490/1€1k

Equity and liabilities

Total equity and liabilities10/49€142k

Equity10/15€3k

Contributions10/11€3k

Reserves13€944

Distributable reserves133€944

Amounts payable17/49€139k

Amounts payable after more than one year17€26k

Financial debts170/4€26k

Amounts payable within one year42/48€113k

Current portion of amounts payable after more than one year42€8k

Trade debts44€22k

Suppliers440/4€22k

Other amounts payable47/48€82k

Income statement Code2024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k

Other operating charges640/8€600

Gross operating margin9900€11k

Operating profit (loss)9901€3k

Financial income75/76B€0

Recurring financial income75€0

Financial charges65/66B€2k

Recurring financial charges65€2k

Profit (loss) for the period before taxes9903€944

Profit (loss) for the period9904€944

Profit (loss) for the period to be appropriated9905€944

Appropriation of the result

Profit (loss) to be appropriated9906€944

Transfer to equity691/2€944

To other reserves6921€944

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2025

28-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Dilsen-Stokkem · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Vlessersweg 803650 Dilsen-Stokkem

Ground area

1,857 m²

Building footprint

123 m²

Volume, LiDAR

622 m³

Parcel 73043A0042/00D000, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

PENDERS J.

Vlessersweg 80, 3650 Dilsen-StokkemGrowing of cereals (except rice), leguminous crops and oil seeds

since 20232.344.855.630

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
73043A0042/00D000	Flanders	1,857 m²	1 · 122 m²	6.7 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Dilsen-Stokkem2.344.855.630

4 permissions

Toelating · Eierpakstation · since 03-11-2025

Toelating · Automatenwinkel · since 07-04-2025

Toelating · Detailhandel · since 07-04-2025

and 1 more

Similar companies · same sector, comparable size

Of 142 companies in sector 01472 we hold annual accounts for 57. 3 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded21-04-2023

Fiscal year end31-12

Activities, NACEBEL

01472Crop and animal production, hunting and related service activities

47271Retail trade

01110Growing of cereals (except rice), leguminous crops and oil seeds

01610Support activities for crop production

55300Accommodation

70200Business and other management consultancy

70220Business consulting

82100Office administrative and support services

82110Office administrative, office support and other business support activities

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.