PENTACO
ActivePENTACO has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €49k and a net result of €-21k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 36% of 8968 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-78
Solvency63▼-12
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.41 in 2023; short-term debt: 61.8% and cash: 51.9% of total assets), and 61.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
38.2%
Return on assets
-16.6%
Age of the figures
21 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-05-2025, 62 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
62 d early
2023
62 d early
2022
84 d early
2021
8 d late
2020
12 d early
2019
25 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€49k▼ 30.3%
2023 · €70k
2018: €55k
2019: €40k
2020: €63k
2021: €51k
2022: €60k
2023: €70k
2018 → 2024
Total assets
€129k▼ 9.4%
2023 · €142k
2018: €229k
2019: €207k
2020: €227k
2021: €205k
2022: €194k
2023: €142k
2018 → 2024
Net result
€-21k
2023 · €10k
2018: €-4k
2019: €-15k
2020: €23k
2021: €-12k
2022: €9k
2023: €10k
2018 → 2024
Working capital
€13k▼ 54.3%
2023 · €29k
2018: €4k
2019: €-13k
2020: €1k
2021: €-12k
2022: €-9k
2023: €29k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€63k-€51k▼ 19.4%€60k▲ 17.6%€70k▲ 17.2%€49k▼ 30.3%
Operating result€40k-€-9k€22k€25k▲ 12.3%€-18k
Net result€23k-€-12k€9k€10k▲ 14.7%€-21k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €18k after €25k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €129k
Fixed assets
€36k▼ 14.4%
Current assets
€93k▼ 7.3%
Equity and liabilities €129k
Equity
€49k▼ 30.3%
Debt
€80k▲ 11.2%
The debt ratio rises from 50.4% to 61.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-6k▼
2023 · €36k
Cash flow
€-9k▼
2023 · €21k
Solvency
38.2%▼
2023 · 49.6%
Current ratio
1.17▼
2023 · 1.41
Quick ratio
1.17▼
2023 · 1.41
Debt / equity
1.62▲
2023 · 1.02
ROE
-43.4%▼
2023 · 14.6%
ROA
-16.6%▼
2023 · 7.3%
Interest coverage
-11.15▼
2023 · 12.35
Debt
€80k▲
2023 · €72k
Debt ≤ 1 year
€80k▲
2023 · €71k
Income taxes
€3k▼
2023 · €12k
Staff costs
€124k▼
2023 · €125k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€142k€129k▼
Fixed assets21/28€42k€36k▼
Tangible fixed assets22/27€42k€36k▼
Furniture and vehicles24€42k€36k▼
Current assets29/58€100k€93k▼
Amounts receivable within one year40/41€26k€25k▼
Trade receivables40€25k€25k▼
Other amounts receivable41€894-
Cash at bank and in hand54/58€69k€67k▼
Deferred charges and accrued income490/1€5k€1k▼
Equity and liabilities
Total equity and liabilities10/49€142k€129k▼
Equity10/15€70k€49k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€62k€41k▼
Amounts payable17/49€72k€80k▲
Amounts payable within one year42/48€71k€80k▲
Trade debts44€30k€34k▲
Suppliers440/4€30k€34k▲
Taxes, remuneration and social security45€32k€38k▲
Taxes450/3€13k€19k▲
Remuneration and social security454/9€19k€19k▼
Other amounts payable47/48€9k€8k▼
Accrued charges and deferred income492/3€458-
Income statement
Code20232024
Non-recurring operating income76A€60k-
Remuneration, social security and pensions62€125k€124k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€3k€12k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€165k€131k▼
Operating profit (loss)9901€25k€-18k▼
Financial charges65/66B€3k€517▼
Recurring financial charges65€3k€517▼
Profit (loss) for the period before taxes9903€22k€-18k▼
Income taxes67/77€12k€3k▼
Profit (loss) for the period9904€10k€-21k▼
Profit (loss) for the period to be appropriated9905€10k€-21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€62k€41k▼
Profit (loss) brought forward from the previous period14P€52k€62k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-21k ▼307%
Net result drops to €-21k, the lowest in the series.
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €23k
Net result €23k after 2 loss-making years.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
20-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Thuin · 1 establishment unit since 2004
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Chemin de Walcourt(THN) 46530 ThuinGround area
2,634 m²
Building footprint
96 m²
Volume, LiDAR
625 m³
Parcel 56078D0324/00D000, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PENTACO
since 20042.145.675.533
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56078D0324/00D000 | Wallonia | 2,634 m² | 1 · 96 m² | 8.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 9,862 companies in sector 73110 we hold annual accounts for 3,755. 3,007 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-2004
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
73110Advertising agencies
74401
46190Agents in non-specialised wholesale trade
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0473/631513