PENSIOENMANAGER
ActiveSummary
PENSIOENMANAGER has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-143k) and a net result of €-52k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 20780 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.06 against 0.08 in 2023; short-term debt: 257.1% and cash: 0.4% 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.
−lowers risk+raises risk
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
-157.1%
Return on assets
-57.5%
Age of the figures
21 mo
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 · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
192021222324
2019 to 2024 · latest year €-143k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-04-2026, 262 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
262 d late
2023
8 d early
2022
85 d late
2021
16 d late
2020
19 d late
2019
27 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€-143k▼ 57.8%
2023 · €-90k
2019: €7khighest in 6 years
2020: €-50k▼ -804% vs 2019
2021: €-13k▲ +74.9% vs 2020
2022: €-46k▼ -267% vs 2021
2023: €-90k▼ -95.5% vs 2022
2024: €-143k▼ -57.8% vs 2023lowest in 6 years
2019 → 2024
Total assets
€91k▼ 25.3%
2023 · €122k
2019: €68klowest in 6 years
2020: €156k▲ +130% vs 2019
2021: €208k▲ +33.4% vs 2020highest in 6 years
2022: €137k▼ -34.1% vs 2021
2023: €122k▼ -11.2% vs 2022
2024: €91k▼ -25.3% vs 2023
2019 → 2024
Net result
€-52k▼ 18.3%
2023 · €-44k
2019: €933
2020: €-57k▼ -6247% vs 2019lowest in 6 years
2021: €38k▲ +166% vs 2020highest in 6 years
2022: €-34k▼ -189% vs 2021
2023: €-44k▼ -31.3% vs 2022
2024: €-52k▼ -18.3% vs 2023
2019 → 2024
Working capital
€-220k▼ 20.5%
2023 · €-182k
2019: €30khighest in 6 years
2020: €-117k▼ -486% vs 2019
2021: €-81k▲ +30.7% vs 2020
2022: €-119k▼ -46.1% vs 2021
2023: €-182k▼ -53.3% vs 2022
2024: €-220k▼ -20.5% vs 2023lowest in 6 years
2019 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-50k-€-13k▲ 74.9%€-46k▼ 267%€-90k▼ 95.5%€-143k▼ 57.8%
2020: €-50k
2021: €-13k▲ +74.9% vs 2020highest in 5 years
2022: €-46k▼ -267% vs 2021
2023: €-90k▼ -95.5% vs 2022
2024: €-143k▼ -57.8% vs 2023lowest in 5 years
Operating result€-55k-€39k€-29k€-43k▼ 46.4%€-51k▼ 19.1%
2020: €-55klowest in 5 years
2021: €39k▲ +170% vs 2020highest in 5 years
2022: €-29k▼ -176% vs 2021
2023: €-43k▼ -46.4% vs 2022
2024: €-51k▼ -19.1% vs 2023
Net result€-57k-€38k€-34k€-44k▼ 31.3%€-52k▼ 18.3%
2020: €-57klowest in 5 years
2021: €38k▲ +166% vs 2020highest in 5 years
2022: €-34k▼ -189% vs 2021
2023: €-44k▼ -31.3% vs 2022
2024: €-52k▼ -18.3% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €51k in 2024 against €43k in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €91k
Fixed assets
€77k ▼ 27.8%
Current assets
€14k ▼ 7.2%
Key figures and ratios
EBITDA
€-21k▼
2023 · €-18k
Cash flow
€-23k▼
2023 · €-19k
Solvency
-157.1%▼
2023 · -74.4%
Current ratio
0.06▼
2023 · 0.08
Debt to equity
-1.64▲
2023 · -2.34
ROA
-57.5%▼
2023 · -36.3%
Interest coverage
-14.84▼
2023 · -11.57
Debt
€234k▲
2023 · €212k
Debt ≤ 1 year
€234k▲
2023 · €197k
Debt > 1 year
€0▼
2023 · €15k
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 · 2024 against 2023 · 45 lines
Balance sheet
Code20232024
Assets
Total assets20/58€122k€91k▼
Fixed assets21/28€107k€77k▼
Intangible fixed assets21€106k€77k▼
Tangible fixed assets22/27€945€445▼
Plant, machinery and equipment23€945€445▼
Current assets29/58€15k€14k▼
Amounts receivable within one year40/41€12k€13k▲
Trade receivables40€5k€5k▼
Other amounts receivable41€7k€9k▲
Cash at bank and in hand54/58€2k€331▼
Deferred charges and accrued income490/1€732€0▼
Equity and liabilities
Total equity and liabilities10/49€122k€91k▼
Equity10/15€-90k€-143k▼
Contributions10/11€6k€6k=
Reserves13€47€47=
Non-distributable reserves130/1€47€47=
Reserves not available under the articles1311€47€47=
Profit (loss) carried forward14€-97k€-149k▼
Amounts payable17/49€212k€234k▲
Amounts payable after more than one year17€15k€0▼
Financial debts170/4€15k€0▼
Amounts payable within one year42/48€197k€234k▲
Current portion of amounts payable after more than one year42€3k€3k▼
Financial debts43€6k€6k▼
Credit institutions430/8€6k€6k▼
Trade debts44€4k€9k▲
Suppliers440/4€4k€9k▲
Taxes, remuneration and social security45€6k€6k=
Taxes450/3€6k€6k=
Other amounts payable47/48€177k€210k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€30k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€11k€0▼
Other operating charges640/8€10k€387▼
Non-recurring operating charges66A€0-
Gross operating margin9900€3k€-21k▼
Operating profit (loss)9901€-43k€-51k▼
Financial income75/76B€11€0▼
Recurring financial income75€11€0▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-44k€-52k▼
Profit (loss) for the period9904€-44k€-52k▼
Profit (loss) for the period to be appropriated9905€-44k€-52k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-97k€-149k▼
Profit (loss) brought forward from the previous period14P€-52k€-97k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13k | €21k | €20k | €25k | €30k | ▲ 18.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €11k | €0 | ▼ 100% |
| Other operating charges640/8 | - | €2k | €1k | €10k | €387 | ▼ 96.3% |
| Non-recurring operating charges66A | - | - | €3k | €0 | - | - |
| Gross operating margin9900 | €-42k | €61k | €-5k | €3k | €-21k | ▼ 707% |
| Operating profit (loss)9901 | €-55k | €39k | €-29k | €-43k | €-51k | ▼ 19.1% |
| Financial income75/76B | - | €0 | €0 | €11 | €0 | ▼ 100% |
| Recurring financial income75 | €1 | €0 | €0 | €11 | €0 | ▼ 100% |
| Financial charges65/66B | - | €862 | €4k | €2k | €1k | ▼ 5.9% |
| Recurring financial charges65 | €2k | €862 | €4k | €2k | €1k | ▼ 5.9% |
| Profit (loss) for the period before taxes9903 | €-57k | €38k | €-34k | €-44k | €-52k | ▼ 18.3% |
| Income taxes67/77 | €68 | €58 | €0 | - | - | - |
| Profit (loss) for the period9904 | €-57k | €38k | €-34k | €-44k | €-52k | ▼ 18.3% |
| Profit (loss) for the period to be appropriated9905 | €-57k | €38k | €-34k | €-44k | €-52k | ▼ 18.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €156k | €208k | €137k | €122k | €91k | ▼ 25.3% |
| Fixed assets21/28 | €127k | €106k | €87k | €107k | €77k | ▼ 27.8% |
| Intangible fixed assets21 | €127k | €106k | €86k | €106k | €77k | ▼ 27.6% |
| Tangible fixed assets22/27 | - | - | €1k | €945 | €445 | ▼ 52.9% |
| Plant, machinery and equipment23 | - | - | €1k | €945 | €445 | ▼ 52.9% |
| Current assets29/58 | €29k | €101k | €49k | €15k | €14k | ▼ 7.2% |
| Amounts receivable within one year40/41 | €10k | €82k | €42k | €12k | €13k | ▲ 13.4% |
| Trade receivables40 | - | €82k | €41k | €5k | €5k | ▼ 7.4% |
| Other amounts receivable41 | - | €20 | €135 | €7k | €9k | ▲ 28.0% |
| Cash at bank and in hand54/58 | €19k | €20k | €7k | €2k | €331 | ▼ 85.4% |
| Deferred charges and accrued income490/1 | - | - | €468 | €732 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €156k | €208k | €137k | €122k | €91k | ▼ 25.3% |
| Equity10/15 | €-50k | €-13k | €-46k | €-90k | €-143k | ▼ 57.8% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | €47 | €47 | €47 | €47 | €47 | = |
| Non-distributable reserves130/1 | - | €47 | €47 | €47 | €47 | = |
| Reserves not available under the articles1311 | - | €47 | €47 | €47 | €47 | = |
| Profit (loss) carried forward14 | €-56k | €-19k | €-52k | €-97k | €-149k | ▼ 54.1% |
| Amounts payable17/49 | €206k | €220k | €183k | €212k | €234k | ▲ 10.2% |
| Amounts payable after more than one year17 | €60k | €38k | €15k | €15k | €0 | ▼ 100% |
| Financial debts170/4 | - | €38k | €15k | €15k | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €146k | €183k | €168k | €197k | €234k | ▲ 18.4% |
| Current portion of amounts payable after more than one year42 | - | €20k | €43k | €3k | €3k | ▼ 15.1% |
| Financial debts43 | - | €4k | €3k | €6k | €6k | ▼ 0.5% |
| Credit institutions430/8 | - | €4k | €3k | €6k | €6k | ▼ 0.5% |
| Trade debts44 | €114k | €97k | €65k | €4k | €9k | ▲ 108% |
| Suppliers440/4 | - | €97k | €65k | €4k | €9k | ▲ 108% |
| Taxes, remuneration and social security45 | - | €22k | €5k | €6k | €6k | = |
| Taxes450/3 | - | €22k | €5k | €6k | €6k | = |
| Other amounts payable47/48 | - | €39k | €52k | €177k | €210k | ▲ 18.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-57k | €38k | €-34k | €-44k | €-52k | ▼ 18.3% |
| + Depreciation and write-downs630 | €13k | €21k | €20k | €25k | €30k | ▲ 18.0% |
| Operating cash flow (approximation) | €-45k | €58k | €-13k | €-19k | €-23k | ▼ 18.7% |
| Investment in fixed assets (approximation) | - | €0 | €-2k | €-44k | €0 | ▲ 100% |
| Change in cash | - | €1k | €-12k | €-5k | €-2k | ▲ 62.3% |
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
2026
19-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 262 days late
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 85 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Weakest financial yearnet €-57k
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are 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, Tielt-Winge · 1 establishment unit since 2018
Ground area
1,781 m²
Parcel 24044B0340/00F000, Flanders. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
PENSIOENMANAGER
since 20182.284.329.115
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24044B0340/00F000 | Flanders | 1,781 m² | - | - |
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 29,993 companies in sector 62200 we hold annual accounts for 18,396. 7,752 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 (pre-2019)
Founded19-12-2018
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62100Computer programming
Scores and ratios are computed by Checked and are not a credit decision.