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PENOIT

Active Private limited company (pre-2019)founded 2002active for 24 yearsPlace Merlot 6, 4100 SeraingKBO/BCE: BE 0476.678.586 #10 company by equity in Seraing, Real estate sector

Lifetime

20 annual accounts with figures on one time axis, 24 filings since 2002
peak €705,042 (2025)
€705,042▲ 30.1%
lowest -€34,193 (2012)
€224,333▲ 48.4%
peak €1.0m (2025)
€1.0m▲ 28.9%
€137,698▼ 38.3%
peak 7.5 FTE (2020)
-not published
Board1 name since 2021
1 director
Documentsfilings and deeds
30-07-20261 day before the deadline
2025micro format
Gross margin from €541,985 to €705,042Result from €151,218 to €224,333Equity from €777,061 to €1.0mDebts from €223,114 to €137,698Cash from €12,666 to €206,977

Key points

from the 2025 annual accounts

Equity

€1.0m ▲ 28.9%

PENOIT has made a profit without a break since 2014.

Result

€224,333 ▲ 48.4%
€151,0002024€224,0002025

The result rose in 2025 from €151,218 to €224,333.

Staff

9 employees on 31-12-2025
1320215520227220237102024222025

In 2025, 2 people joined and 2 left.

Liquidity

7.80 was 4.02 in 2024

Short-term debts fell from €209,313 to €130,214.

Filings

24 annual accounts since 2002
AprilJune31 JulyOctober20102020

Eight of the last ten came late. The 2017 accounts came latest: 51 days after the end of the period.

Position in the sector

€224,333

Higher net result than 95% of companies in real estate. Sector median €5,854 · 19,790 companies.

Checked score

Bankruptcy probability within 12 months

Financial strength

Score breakdown

Comparable companies, two years later

In July 2024, 31,386 companies had the same profile as PENOIT has now. Each dot stands for 79 companies, two years later.

93.4%
were still trading
6.0%
stopped another way
0.5%
went bankrupt
  • Micro
  • 20 years or older
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

Test of the method

The method was tested on the 497,762 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 2.9% 3.1%
10 5.6% 6.1%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 31,386 companies, not a prediction for PENOIT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Board and ownership

Director
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0476678586
First establishment FINAPRO, Place Merlot 6, Seraing
Incorporation published on 30-01-2002 · Gazette deed
All 34 events

Comparable companies

same main activity, similar in size and age
Company
PENOIT Seraing - - 87.9% -
AIS Ourthe Vesdre Ambléve Aywaille €1.5m 6.7% 54.0% -
JEMAR & CO Maasmechelen - - 43.2% 6.2
AGENCE IMMOBILIERE SOCIALE D'UCCLE Uccle €2.1m 3.3% 17.5% 8.9
BAILLI MANAGEMENT Ixelles - - 80.1% -
AGENCE IMMOBILIERE SOCIALE EVEROISE HECTOR DENIS - EVERS SOCIAAL WONINGBUREAU HECTOR DENIS Evere €2.6m 6.1% 12.7% 8.8
LOGEMENT SOCIAL GESTION DE LA REGION DE DINANT-PHILIPPEVILLE Dinant - - 58.5% -

These companies have the same main activity as PENOIT: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €1m and €1.3m, founded between 1997 and 2003.

Official details

Source: KBO
Status
Active since 16-01-2002Normal situation
Activity
Real estate agency activitiesNACE 68310and 1 other
Establishment unit
2.115.229.8074100 Seraing, since 20-01-2003
Financial year end
31 December
Peppol
Reachable since 19-11-2025
Company details

Annual accounts 2025

≈ €1.7mestimated
€1.1m▲ 13.9%
Employeeson 31-12-2025
9=
Filing
Filed on 30-07-2026, 1 day before the end of the filing period
Financials

Insights on PENOIT

PENOIT files the micro format. That format states no turnover. The gross margin rose from €98,821 in 2006 to €705,042 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.

Key facts about PENOIT

What is the company number of PENOIT?
The company number of PENOIT is 0476.678.586. The VAT number is the same number with BE in front: BE 0476.678.586.
Where is PENOIT based?
The registered office is at Place Merlot 6, 4100 Seraing.Company details
What does PENOIT do?
According to the KBO register, the main activity is real estate agency activities (NACE 68310).
What is the legal form of PENOIT?
PENOIT is a private limited company (pre-2019) (BVBA).
When was PENOIT founded?
PENOIT was founded on 16-01-2002.
Is PENOIT still active?
Yes, PENOIT is an active enterprise in the KBO register.
How many employees does PENOIT have?
PENOIT had an average of 8.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of PENOIT?
The turnover in financial year 2025 is ≈ €1.7m. This figure is estimated from the gross margin of €705,042 and 39 comparable companies (NACE 683). It probably lies between €1.0m and €2.1m.
Is PENOIT profitable?
In financial year 2025, PENOIT made a profit of €224,333.
Where can I find the annual accounts of PENOIT?
PENOIT filed 24 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of PENOIT due?
PENOIT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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