Peneloc
ActiveSummary
The computed 12-month bankruptcy probability of Peneloc is 3.0% (moderate). The 2025 annual accounts show negative equity (€-22k) and a net result of €10k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 6% of 7058 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
Profitability100▲+100
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.5 against 0.2 in 2024; short-term debt: 198.7% and cash: 64% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 · 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 2025Solvency, return and age of the figures
Solvency
-98.7%
Return on assets
44.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 7058 sector peers (2025).
NBB · sector comparisonPosition among 7058 sector peers
Solvency
better than 6%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
2 d early
2024
25 d late
2023
2 d early
2022
16 d late
2021
9 d late
2020
17 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-22k▲ 31.0%
2024 · €-32k
2020: €7k
2021: €9k▲ +37.6% vs 2020highest in 6 years
2022: €76▼ -99.2% vs 2021
2023: €-22k▼ -29068% vs 2022
2024: €-32k▼ -42.8% vs 2023lowest in 6 years
2025: €-22k▲ +31.0% vs 2024
2020 → 2025
Total assets
€22k▲ 111%
2024 · €10k
2020: €38khighest in 6 years
2021: €19k▼ -49.7% vs 2020
2022: €24k▲ +24.7% vs 2021
2023: €13k▼ -44.3% vs 2022
2024: €10k▼ -20.2% vs 2023lowest in 6 years
2025: €22k▲ +111% vs 2024
2020 → 2025
Net result
€10k
2024 · €-9k
2020: €4k
2021: €2k▼ -39.5% vs 2020
2022: €-9k▼ -463% vs 2021
2023: €-22k▼ -146% vs 2022lowest in 6 years
2024: €-9k▲ +57.4% vs 2023
2025: €10k▲ +203% vs 2024highest in 6 years
2020 → 2025
Working capital
€-22k▲ 33.7%
2024 · €-33k
2020: €7k
2021: €7k▲ +9.8% vs 2020highest in 6 years
2022: €-9k▼ -216% vs 2021
2023: €-30k▼ -243% vs 2022
2024: €-33k▼ -12.9% vs 2023lowest in 6 years
2025: €-22k▲ +33.7% vs 2024
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€76▼ 99.2%€-22k€-32k▼ 42.8%€-22k▲ 31.0%
2021: €9khighest in 5 years
2022: €76▼ -99.2% vs 2021
2023: €-22k▼ -29068% vs 2022
2024: €-32k▼ -42.8% vs 2023lowest in 5 years
2025: €-22k▲ +31.0% vs 2024
Operating result€4k-€-8k€-22k▼ 160%€-9k▲ 59.0%€10k
2021: €4k
2022: €-8k▼ -323% vs 2021
2023: €-22k▼ -160% vs 2022lowest in 5 years
2024: €-9k▲ +59.0% vs 2023
2025: €10k▲ +216% vs 2024highest in 5 years
Net result€2k-€-9k€-22k▼ 146%€-9k▲ 57.4%€10k
2021: €2k
2022: €-9k▼ -463% vs 2021
2023: €-22k▼ -146% vs 2022lowest in 5 years
2024: €-9k▲ +57.4% vs 2023
2025: €10k▲ +203% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €10k after a loss of €9k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22k
Fixed assets
€279 ▼ 86.2%
Current assets
€22k ▲ 158%
Key figures and ratios
EBITDA
€12k▲
2024 · €-1k
Cash flow
€12k▲
2024 · €-2k
Solvency
-98.7%▲
2024 · -301.8%
Current ratio
0.50▲
2024 · 0.20
Debt to equity
-2.01▼
2024 · -1.33
ROA
44.3%▲
2024 · -90.4%
Interest coverage
48.10▲
2024 · -4.07
Debt
€44k▲
2024 · €42k
Debt ≤ 1 year
€44k▲
2024 · €42k
Income taxes
€231▼
2024 · €273
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€10k€22k▲
Fixed assets21/28€2k€279▼
Tangible fixed assets22/27€2k€279▼
Furniture and vehicles24€2k€279▼
Current assets29/58€8k€22k▲
Amounts receivable within one year40/41€231€7k▲
Trade receivables40-€7k
Other amounts receivable41€231€132▼
Cash at bank and in hand54/58€7k€14k▲
Deferred charges and accrued income490/1€775€672▼
Equity and liabilities
Total equity and liabilities10/49€10k€22k▲
Equity10/15€-32k€-22k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-34k€-24k▲
Amounts payable17/49€42k€44k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€42k€44k▲
Current portion of amounts payable after more than one year42€2k€0▼
Trade debts44€378€477▲
Suppliers440/4€378€477▲
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€38k€40k▲
Accrued charges and deferred income492/3€300€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€2k▼
Other operating charges640/8€774€400▼
Gross operating margin9900€-685€12k▲
Operating profit (loss)9901€-9k€10k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€359€250▼
Recurring financial charges65€359€250▼
Profit (loss) for the period before taxes9903€-9k€10k▲
Income taxes67/77€273€231▼
Profit (loss) for the period9904€-9k€10k▲
Profit (loss) for the period to be appropriated9905€-9k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€-24k▲
Profit (loss) brought forward from the previous period14P€-25k€-34k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €566 | €6k | €8k | €7k | €2k | ▼ 76.4% |
| Other operating charges640/8 | €33 | €971 | €760 | €774 | €400 | ▼ 48.3% |
| Gross operating margin9900 | €4k | €-1k | €-13k | €-685 | €12k | ▲ 1,911% |
| Operating profit (loss)9901 | €4k | €-8k | €-22k | €-9k | €10k | ▲ 216% |
| Financial income75/76B | €0 | - | €151 | €0 | - | - |
| Recurring financial income75 | €0 | - | €151 | €0 | - | - |
| Financial charges65/66B | €45 | €603 | €602 | €359 | €250 | ▼ 30.4% |
| Recurring financial charges65 | €45 | €603 | €602 | €359 | €250 | ▼ 30.4% |
| Profit (loss) for the period before taxes9903 | €4k | €-9k | €-22k | €-9k | €10k | ▲ 209% |
| Income taxes67/77 | €1k | €151 | €225 | €273 | €231 | ▼ 15.5% |
| Profit (loss) for the period9904 | €2k | €-9k | €-22k | €-9k | €10k | ▲ 203% |
| Profit (loss) for the period to be appropriated9905 | €2k | €-9k | €-22k | €-9k | €10k | ▲ 203% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €19k | €24k | €13k | €10k | €22k | ▲ 111% |
| Fixed assets21/28 | €2k | €17k | €9k | €2k | €279 | ▼ 86.2% |
| Tangible fixed assets22/27 | €2k | €17k | €9k | €2k | €279 | ▼ 86.2% |
| Furniture and vehicles24 | €2k | €17k | €9k | €2k | €279 | ▼ 86.2% |
| Current assets29/58 | €17k | €6k | €4k | €8k | €22k | ▲ 158% |
| Amounts receivable within one year40/41 | €544 | €1k | €2k | €231 | €7k | ▲ 2,937% |
| Trade receivables40 | - | - | - | - | €7k | - |
| Other amounts receivable41 | €544 | €1k | €2k | €231 | €132 | ▼ 42.6% |
| Cash at bank and in hand54/58 | €17k | €4k | €999 | €7k | €14k | ▲ 89.7% |
| Deferred charges and accrued income490/1 | - | €532 | €982 | €775 | €672 | ▼ 13.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €19k | €24k | €13k | €10k | €22k | ▲ 111% |
| Equity10/15 | €9k | €76 | €-22k | €-32k | €-22k | ▲ 31.0% |
| Contributions10/11 | €3k | €3k | €3k | €3k | €3k | = |
| Profit (loss) carried forward14 | €7k | €-2k | €-25k | €-34k | €-24k | ▲ 28.7% |
| Amounts payable17/49 | €10k | €23k | €35k | €42k | €44k | ▲ 4.3% |
| Amounts payable after more than one year17 | - | €8k | €2k | €0 | - | - |
| Financial debts170/4 | - | €8k | €2k | €0 | - | - |
| Amounts payable within one year42/48 | €10k | €15k | €33k | €42k | €44k | ▲ 5.1% |
| Current portion of amounts payable after more than one year42 | - | €7k | €7k | €2k | €0 | ▼ 100% |
| Trade debts44 | €3k | €2k | €2k | €378 | €477 | ▲ 26.3% |
| Suppliers440/4 | €3k | €2k | €2k | €378 | €477 | ▲ 26.3% |
| Taxes, remuneration and social security45 | €6k | €1k | €2k | €2k | €3k | ▲ 91.7% |
| Taxes450/3 | €4k | €1k | €0 | €2k | €3k | ▲ 91.7% |
| Remuneration and social security454/9 | €2k | €0 | €2k | €0 | - | - |
| Other amounts payable47/48 | €0 | €5k | €22k | €38k | €40k | ▲ 6.0% |
| Accrued charges and deferred income492/3 | €150 | €150 | €300 | €300 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2k | €-9k | €-22k | €-9k | €10k | ▲ 203% |
| + Depreciation and write-downs630 | €566 | €6k | €8k | €7k | €2k | ▼ 76.4% |
| Operating cash flow (approximation) | €3k | €-3k | €-14k | €-2k | €12k | ▲ 652% |
| Investment in fixed assets (approximation) | - | €-22k | €0 | €0 | €0 | - |
| Change in cash | - | €-12k | €-3k | €6k | €7k | ▲ 3.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €10k
Net result €10k after 3 loss-making years.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-22k
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Elsene · 1 establishment unit since 2020
Ground area
125 m²
Building footprint
92 m²
Volume, LiDAR
1,209 m³
Parcel 21443C0235/00N003, Brussels · tallest building 18.7 m, ±5 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Peneloc
since 20202.301.205.828
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21443C0235/00N003 | Brussels | 125 m² | 1 · 92 m² | 18.7 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 13,417 companies in sector 73300 we hold annual accounts for 6,898. 72 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.