Summary
Penso is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €46,337 and a net result of €44,837. Its solvency ranks better than 69% of 8074 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 27-07-2026, 4 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
4 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
History
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Financials · fiscal year 2025, micro schema
Equity
€46,337
Net result
€44,837
Total assets
€63,913
Solvency
72.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €63,913
Equity
€46,337
Debt
€17,577
Debt finances 27.5% of the balance-sheet total.
Key figures and ratios
ROE
96.8%
ROA
70.2%
Debt ≤ 1 year
€17,577
Income taxes
€11,485
Annual accounts
| Line | 2025 |
|---|---|
| Gross operating margin9900 | €55,774 |
| Operating profit (loss)9901 | €55,774 |
| Financial income75/76B | €548 |
| Recurring financial income75 | €548 |
| Profit (loss) for the period before taxes9903 | €56,322 |
| Income taxes67/77 | €11,485 |
| Profit (loss) for the period9904 | €44,837 |
| Profit (loss) for the period to be appropriated9905 | €44,837 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €63,913 | |
| Current assets29/58 | €63,913 | |
| Amounts receivable within one year40/41 | €7,992 | |
| Trade receivables40 | €296 | |
| Other amounts receivable41 | €7,697 | |
| Cash at bank and in hand54/58 | €55,921 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €63,913 | |
| Equity10/15 | €46,337 | |
| Contributions10/11 | €1,500 | |
| Profit (loss) carried forward14 | €44,837 | |
| Amounts payable17/49 | €17,577 | |
| Amounts payable within one year42/48 | €17,577 | |
| Trade debts44 | €226 | |
| Suppliers440/4 | €226 | |
| Taxes, remuneration and social security45 | €17,351 | |
| Taxes450/3 | €17,351 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €44,837 |
| Operating cash flow (approximation) | €44,837 |
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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Leuven · 1 establishment unit since 2025
Ground area
216 m²
Building footprint
82 m²
Volume, LiDAR
690 m³
Parcel 24062A1033/00C009, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Sint-Maartenstraat 54, 3000 Leuven
since 20252.371.368.896
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24062A1033/00C009 | Flanders | 216 m² | 1 · 82 m² | 11.8 m · 3 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.
Similar companies · same sector, comparable size
Gladvice
BE 0668.759.768
Oosterzele · Eq €46,329
FLAX
BE 0794.127.122
Kasterlee · Eq €46,303
BAES-BLANCKAERT
BE 0890.195.427
Koksijde · Eq €46,295
ACRO-INVEST
BE 0865.573.857
Waregem · Eq €46,276
Forwards
BE 0817.518.176
Braine-le-Comte · Eq €46,266
Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 10,213 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
Founded12-03-2025
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
66290Activities auxiliary to financial services and insurance activities
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:1020931334
Also
9925:BE1020931334
Registered
09-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.