PENTA
ActiveSummary
The computed 12-month bankruptcy probability of PENTA is 1.8% (moderate). The 2025 annual accounts show equity of €715k and a net result of €68k. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 65% of 818 sector peers (fiscal year 2025). The company has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability71▲+20
Solvency69▼-4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.44 in 2024; short-term debt: 52% and cash: 15% of total assets), and 55.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
44.4%
Return on assets
4.2%
Age of the figures
9 mo
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
41 d early
2023
28 d early
2022
34 d early
2021
33 d early
2020
30 d late
2019
54 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€68k▲ 568%
2024 · €10k
2018: €10k
2019: €35k▲ +237% vs 2018
2020: €-39k▼ -211% vs 2019lowest in 8 years
2021: €192k▲ +593% vs 2020
2022: €276k▲ +44.2% vs 2021highest in 8 years
2023: €15k▼ -94.5% vs 2022
2024: €10k▼ -32.5% vs 2023
2025: €68k▲ +568% vs 2024
2018 → 2025
Working capital
€200k▼ 26.5%
2024 · €272k
2018: €60k
2019: €13k▼ -77.6% vs 2018
2020: €5k▼ -62.6% vs 2019lowest in 8 years
2021: €210k▲ +4079% vs 2020
2022: €104k▼ -50.6% vs 2021
2023: €315k▲ +204% vs 2022highest in 8 years
2024: €272k▼ -13.6% vs 2023
2025: €200k▼ -26.5% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€303k-€607k▲ 100%€652k▲ 7.3%€654k▲ 0.4%€715k▲ 9.2%
2021: €303klowest in 5 years
2022: €607k▲ +100% vs 2021
2023: €652k▲ +7.3% vs 2022
2024: €654k▲ +0.4% vs 2023
2025: €715k▲ +9.2% vs 2024highest in 5 years
Operating result€241k-€368k▲ 52.6%€44k▼ 87.9%€51k▲ 15.9%€127k▲ 146%
2021: €241k
2022: €368k▲ +52.6% vs 2021highest in 5 years
2023: €44k▼ -87.9% vs 2022lowest in 5 years
2024: €51k▲ +15.9% vs 2023
2025: €127k▲ +146% vs 2024
Net result€192k-€276k▲ 44.2%€15k▼ 94.5%€10k▼ 32.5%€68k▲ 568%
2021: €192k
2022: €276k▲ +44.2% vs 2021highest in 5 years
2023: €15k▼ -94.5% vs 2022
2024: €10k▼ -32.5% vs 2023lowest in 5 years
2025: €68k▲ +568% vs 2024
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 146% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.61M
Fixed assets
€574k ▲ 19.2%
Current assets
€1.04M ▲ 15.7%
Equity and liabilities €1.61M
Equity
€715k ▲ 9.2%
Debt
€896k ▲ 23.8%
Debt's share of the balance-sheet total rises from 52.5% to 55.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€224k▲
2024 · €153k
Cash flow
€165k▲
2024 · €112k
Current ratio
1.24▼
2024 · 1.44
Quick ratio
1.17▼
2024 · 1.35
Debt to equity
1.25▲
2024 · 1.11
ROE
9.5%▲
2024 · 1.6%
ROA
4.2%▲
2024 · 0.7%
Interest coverage
5.68▲
2024 · 3.73
Debt ≤ 1 year
€837k▲
2024 · €624k
Debt > 1 year
€59k▼
2024 · €99k
Income taxes
€27k▲
2024 · €8k
Staff costs
€1.58M▼
2024 · €1.62M
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.38M€1.61M▲
Formation expenses20-€0
Fixed assets21/28€482k€574k▲
Intangible fixed assets21-€190k
Tangible fixed assets22/27€481k€384k▼
Plant, machinery and equipment23€322k€277k▼
Furniture and vehicles24€159k€106k▼
Financial fixed assets28€260€260=
Current assets29/58€896k€1.04M▲
Stocks and contracts in progress3€56k€60k▲
Stocks30/36€56k€60k▲
Amounts receivable within one year40/41€324k€735k▲
Trade receivables40€2k€94▼
Other amounts receivable41€322k€735k▲
Cash at bank and in hand54/58€514k€241k▼
Deferred charges and accrued income490/1€2k€992▼
Equity and liabilities
Total equity and liabilities10/49€1.38M€1.61M▲
Equity10/15€654k€715k▲
Contributions10/11€124k€124k=
Capital10€124k€124k=
Issued capital100€124k€124k=
Reserves13€33k€33k=
Non-distributable reserves130/1€33k€33k=
Legal reserve130€12k€12k=
Reserves not available under the articles1311€20k€20k=
Profit (loss) carried forward14€443k€511k▲
Investment grants15€55k€47k▼
Amounts payable17/49€723k€896k▲
Amounts payable after more than one year17€99k€59k▼
Financial debts170/4€99k€59k▼
Amounts payable within one year42/48€624k€837k▲
Current portion of amounts payable after more than one year42€40k€40k▲
Trade debts44€401k€388k▼
Suppliers440/4€401k€388k▼
Advances received on contracts in progress46€4k€1k▼
Taxes, remuneration and social security45€179k€207k▲
Taxes450/3€29k€29k▲
Remuneration and social security454/9€150k€178k▲
Other amounts payable47/48€126€200k▲
Income statement
Code20242025
Remuneration, social security and pensions62€1.62M€1.58M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€101k€97k▼
Other operating charges640/8€11k€5k▼
Gross operating margin9900€1.79M€1.81M▲
Operating profit (loss)9901€51k€127k▲
Financial income75/76B€8k€8k▲
Recurring financial income75€8k€8k▲
Financial charges65/66B€41k€39k▼
Recurring financial charges65€41k€39k▼
Profit (loss) for the period before taxes9903€18k€95k▲
Income taxes67/77€8k€27k▲
Profit (loss) for the period9904€10k€68k▲
Profit (loss) for the period to be appropriated9905€10k€68k▲
Appropriation of the result
Profit (loss) to be appropriated9906€443k€511k▲
Profit (loss) brought forward from the previous period14P€433k€443k▲
Social balance
Average headcount (FTE)908731.229.0▼
The notes to these accounts (14 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €593k | €1.19M | €1.59M | €1.62M | €1.58M | ▼ 2.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25k | €50k | €102k | €101k | €97k | ▼ 4.3% |
| Other operating charges640/8 | €15k | €3k | €4k | €11k | €5k | ▼ 50.6% |
| Gross operating margin9900 | €875k | €1.61M | €1.74M | €1.79M | €1.81M | ▲ 1.2% |
| Operating profit (loss)9901 | €241k | €368k | €44k | €51k | €127k | ▲ 146% |
| Financial income75/76B | €635 | €4k | €8k | €8k | €8k | ▲ 1.7% |
| Recurring financial income75 | €635 | €4k | €8k | €8k | €8k | ▲ 1.7% |
| Financial charges65/66B | €16k | €32k | €37k | €41k | €39k | ▼ 3.9% |
| Recurring financial charges65 | €16k | €32k | €37k | €41k | €39k | ▼ 3.9% |
| Profit (loss) for the period before taxes9903 | €225k | €340k | €15k | €18k | €95k | ▲ 422% |
| Income taxes67/77 | €34k | €63k | €-385 | €8k | €27k | ▲ 236% |
| Profit (loss) for the period9904 | €192k | €276k | €15k | €10k | €68k | ▲ 568% |
| Profit (loss) for the period to be appropriated9905 | €192k | €276k | €15k | €10k | €68k | ▲ 568% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €813k | €1.10M | €1.40M | €1.38M | €1.61M | ▲ 16.9% |
| Formation expenses20 | - | - | - | - | €0 | - |
| Fixed assets21/28 | €93k | €504k | €476k | €482k | €574k | ▲ 19.2% |
| Intangible fixed assets21 | - | - | - | - | €190k | - |
| Tangible fixed assets22/27 | €93k | €504k | €476k | €481k | €384k | ▼ 20.3% |
| Plant, machinery and equipment23 | €54k | €385k | €342k | €322k | €277k | ▼ 13.8% |
| Furniture and vehicles24 | €39k | €118k | €134k | €159k | €106k | ▼ 33.4% |
| Financial fixed assets28 | €95 | €260 | €260 | €260 | €260 | = |
| Current assets29/58 | €719k | €593k | €922k | €896k | €1.04M | ▲ 15.7% |
| Stocks and contracts in progress3 | €51k | €69k | €66k | €56k | €60k | ▲ 7.0% |
| Stocks30/36 | €51k | €69k | €66k | €56k | €60k | ▲ 7.0% |
| Amounts receivable within one year40/41 | €29k | €230k | €593k | €324k | €735k | ▲ 127% |
| Trade receivables40 | - | €194 | €1k | €2k | €94 | ▼ 95.8% |
| Other amounts receivable41 | €29k | €230k | €592k | €322k | €735k | ▲ 128% |
| Current investments50/53 | €250k | €30k | - | - | - | - |
| Cash at bank and in hand54/58 | €388k | €260k | €262k | €514k | €241k | ▼ 53.1% |
| Deferred charges and accrued income490/1 | €1k | €3k | €795 | €2k | €992 | ▼ 52.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €813k | €1.10M | €1.40M | €1.38M | €1.61M | ▲ 16.9% |
| Equity10/15 | €303k | €607k | €652k | €654k | €715k | ▲ 9.2% |
| Contributions10/11 | €124k | €124k | €124k | €124k | €124k | = |
| Capital10 | €124k | €124k | €124k | €124k | €124k | = |
| Issued capital100 | €124k | €124k | €124k | €124k | €124k | = |
| Reserves13 | €33k | €33k | €33k | €33k | €33k | = |
| Non-distributable reserves130/1 | €33k | €33k | €33k | €33k | €33k | = |
| Legal reserve130 | €12k | €12k | €12k | €12k | €12k | = |
| Reserves not available under the articles1311 | €20k | €20k | €20k | €20k | €20k | = |
| Profit (loss) carried forward14 | €141k | €418k | €433k | €443k | €511k | ▲ 15.4% |
| Investment grants15 | €5k | €33k | €63k | €55k | €47k | ▼ 14.0% |
| Amounts payable17/49 | €510k | €489k | €746k | €723k | €896k | ▲ 23.8% |
| Amounts payable after more than one year17 | - | - | €139k | €99k | €59k | ▼ 40.8% |
| Financial debts170/4 | - | - | €139k | €99k | €59k | ▼ 40.8% |
| Amounts payable within one year42/48 | €510k | €489k | €607k | €624k | €837k | ▲ 34.1% |
| Current portion of amounts payable after more than one year42 | - | - | €39k | €40k | €40k | ▲ 2.1% |
| Trade debts44 | €348k | €312k | €354k | €401k | €388k | ▼ 3.2% |
| Suppliers440/4 | €348k | €312k | €354k | €401k | €388k | ▼ 3.2% |
| Advances received on contracts in progress46 | €134 | €1k | €850 | €4k | €1k | ▼ 74.9% |
| Taxes, remuneration and social security45 | €160k | €173k | €214k | €179k | €207k | ▲ 15.9% |
| Taxes450/3 | €31k | €33k | €23k | €29k | €29k | ▲ 1.7% |
| Remuneration and social security454/9 | €129k | €140k | €191k | €150k | €178k | ▲ 18.6% |
| Other amounts payable47/48 | €1k | €3k | - | €126 | €200k | ▲ 159,160% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €192k | €276k | €15k | €10k | €68k | ▲ 568% |
| + Depreciation and write-downs630 | €25k | €50k | €102k | €101k | €97k | ▼ 4.3% |
| Operating cash flow (approximation) | €217k | €326k | €117k | €112k | €165k | ▲ 48.0% |
| Investment in fixed assets (approximation) | - | €-460k | €-74k | €-107k | €-189k | ▼ 76.8% |
| Change in cash | - | €-128k | €2k | €252k | €-273k | ▼ 208% |
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €276k ▲44.2%
Operating result €368k, net result €276k, both a record.
31-12
Financial
Equity above €500kEq €607k ▲100%
2 profitable years in a row build equity to €607k.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €192k
Net result €192k after one loss-making year.
31-12
Financial
Equity above €200kEq €303k ▲170%
Equity rises from €112k to €303k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €-39k
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 54 days late
Show earlier events
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 7 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Brussel · 2 establishment units since 1994
Ground area
8,216 m²
Building footprint
4,010 m²
Volume, LiDAR
32,158 m³
3 parcels, Brussels · tallest building 18.4 m, ±5 floors. Linked by address, not a title deed.
10
companies at this address
See who is registered here
2 establishment units
Grote Zavel 33, 1000 Brussel
since 19942.068.652.385
Penta
since 20232.343.108.541
3 parcels
Brussels
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21384D0085/00E003 | Brussels | 7,436 m² | 1 · 3,211 m² | 10.8 m · 3 fl. |
| 21822R0288/00X005 | Brussels | 577 m² | 1 · 621 m² | 13.8 m · 2 fl. |
| 21808H1528/00E000 | Brussels | 203 m² | 1 · 179 m² | 18.4 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels 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 siteBrussel2.068.652.385
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,462. 5,240 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded22-08-1994
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
Scores and ratios are computed by Checked and are not a credit decision.