Summary
Pentapack Group 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 €3.8m and a net result of €722,001. Equity is growing by ~29.8% per year across the filed fiscal years. Its solvency ranks better than 73% of 5585 sector peers (fiscal year 2025). The company has been active since 2020 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
28 d late
2024
18 d late
2023
33 d early
2022
36 d late
2021
24 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 15 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 24 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#5 company by equity in Kinrooi, Finance and insurance sector#8 company by total assets in Kinrooi, Finance and insurance sector
Equity
€3.8m▲ 3.3%
2024 · €3.7m
Net result
€722,001▼ 29.7%
2024 · €1.0m
Total assets
€4.9m▼ 5.5%
2024 · €5.2m
Solvency
77.4%▲ 6.6pp
2024 · 70.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€19,350-€88,279€86,281▼ 2.3%-€17,189€63,572
Net result€523,066above the sector's middle half-€428,557above the sector's middle half▼ 18.1%€684,038above the sector's middle half▲ 59.6%€1.0mabove the sector's middle half▲ 50.0%€722,001above the sector's middle half▼ 29.7%
Equity€1.5mwithin the sector's middle half-€2.0mwithin the sector's middle half▲ 28.1%€2.6mabove the sector's middle half▲ 35.0%€3.7mabove the sector's middle half▲ 38.9%€3.8mabove the sector's middle half▲ 3.3%
Total assets€4.5mabove the sector's middle half-€4.9mabove the sector's middle half▲ 7.2%€4.2mwithin the sector's middle half▼ 14.3%€5.2mabove the sector's middle half▲ 24.1%€4.9mabove the sector's middle half▼ 5.5%
Debt€3.0m-€2.9m▼ 3.4%€1.5m▼ 47.4%€1.5m▼ 1.4%€1.1m▼ 26.9%
Working capital€381,874above the sector's middle half-€662,646above the sector's middle half▲ 73.5%-€37,092within the sector's middle half€832,183above the sector's middle half-€102,966within the sector's middle half
Solvency33.5%within the sector's middle half-40.1%within the sector's middle half▲ 6.6pp63.2%within the sector's middle half▲ 23.1pp70.8%within the sector's middle half▲ 7.6pp77.4%within the sector's middle half▲ 6.6pp
Current ratio2.52within the sector's middle half-5.08above the sector's middle half▲ 2.560.77within the sector's middle half▼ 4.313.78above the sector's middle half▲ 3.010.89within the sector's middle half▼ 2.89
Return on assets (ROA)11.5%above the sector's middle half-8.8%within the sector's middle half▼ 2.7pp16.4%above the sector's middle half▲ 7.6pp19.8%above the sector's middle half▲ 3.4pp14.8%above the sector's middle half▼ 5.1pp
Staff (FTE)0.8within the sector's middle half1.5above the sector's middle half▲ 87.5%
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €63,572 after a loss of €17,189 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.9m
Fixed assets
€4.0m =
Current assets
€845,962 ▼ 25.2%
Equity and liabilities €4.9m
Equity
€3.8m ▲ 3.3%
Debt
€1.1m ▼ 26.9%
Debt's share of the balance-sheet total falls from 29.2% to 22.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
19.1%▼
2024 · 28.0%
Debt ≤ 1 year
€948,927▲
2024 · €298,863
Debt > 1 year
€157,143▼
2024 · €1.2m
Income taxes
€3,846
Staff costs
€96,111▲
2024 · €8,382
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €8,382 | €96,111 | ▲ 1,047% |
| Other operating charges640/8 | €717 | €62 | €1,165 | €1,177 | €1,198 | ▲ 1.9% |
| Non-recurring operating charges66A | €123,840 | - | - | - | - | - |
| Gross operating margin9900 | €105,206 | €88,341 | €87,447 | -€7,630 | €160,881 | ▲ 2,208% |
| Operating profit (loss)9901 | -€19,350 | €88,279 | €86,281 | -€17,189 | €63,572 | ▲ 470% |
| Financial income75/76B | €600,000 | €400,000 | €650,000 | €1.1m | €683,635 | ▼ 36.7% |
| Recurring financial income75 | €600,000 | €400,000 | €650,000 | €1.1m | €683,635 | ▼ 36.7% |
| Financial charges65/66B | €57,584 | €59,722 | €52,243 | €36,237 | €21,360 | ▼ 41.1% |
| Recurring financial charges65 | €57,584 | €59,722 | €52,243 | €36,237 | €21,360 | ▼ 41.1% |
| Profit (loss) for the period before taxes9903 | €523,066 | €428,557 | €684,038 | €1.0m | €725,847 | ▼ 29.3% |
| Income taxes67/77 | - | - | - | - | €3,846 | - |
| Profit (loss) for the period9904 | €523,066 | €428,557 | €684,038 | €1.0m | €722,001 | ▼ 29.7% |
| Profit (loss) for the period to be appropriated9905 | €523,066 | €428,557 | €684,038 | €1.0m | €722,001 | ▼ 29.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.5m | €4.9m | €4.2m | €5.2m | €4.9m | ▼ 5.5% |
| Fixed assets21/28 | €3.9m | €4.0m | €4.0m | €4.0m | €4.0m | = |
| Financial fixed assets28 | €3.9m | €4.0m | €4.0m | €4.0m | €4.0m | = |
| Current assets29/58 | €633,329 | €825,027 | €126,555 | €1.1m | €845,962 | ▼ 25.2% |
| Amounts receivable within one year40/41 | €631,183 | €820,931 | €90,257 | €1.1m | €820,024 | ▼ 25.0% |
| Trade receivables40 | €27,225 | €27,225 | - | €27,225 | €62,013 | ▲ 128% |
| Other amounts receivable41 | €603,958 | €793,706 | €90,257 | €1.1m | €758,011 | ▼ 28.9% |
| Cash at bank and in hand54/58 | €2,147 | €4,095 | €36,298 | €37,714 | €25,938 | ▼ 31.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.5m | €4.9m | €4.2m | €5.2m | €4.9m | ▼ 5.5% |
| Equity10/15 | €1.5m | €2.0m | €2.6m | €3.7m | €3.8m | ▲ 3.3% |
| Contributions10/11 | €1.0m | €1.0m | €1.0m | €1.0m | €1.0m | = |
| Profit (loss) carried forward14 | €523,066 | €951,623 | €1.6m | €2.7m | €2.8m | ▲ 4.6% |
| Amounts payable17/49 | €3.0m | €2.9m | €1.5m | €1.5m | €1.1m | ▼ 26.9% |
| Amounts payable after more than one year17 | €2.8m | €2.8m | €1.4m | €1.2m | €157,143 | ▼ 87.1% |
| Financial debts170/4 | €2.8m | €2.8m | €1.4m | €1.2m | €157,143 | ▼ 87.1% |
| Amounts payable within one year42/48 | €251,455 | €162,381 | €163,646 | €298,863 | €948,927 | ▲ 218% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €157,143 | - |
| Financial debts43 | €157,143 | €157,143 | €157,143 | €157,143 | - | - |
| Credit institutions430/8 | €157,143 | €157,143 | €157,143 | €157,143 | - | - |
| Trade debts44 | - | €621 | €1,573 | €2,927 | €16,100 | ▲ 450% |
| Suppliers440/4 | - | €621 | €1,573 | €2,927 | €16,100 | ▲ 450% |
| Taxes, remuneration and social security45 | - | €4,617 | €4,931 | - | €10,115 | - |
| Taxes450/3 | - | €4,617 | €4,931 | - | €10,115 | - |
| Other amounts payable47/48 | €94,313 | - | - | €138,793 | €765,570 | ▲ 452% |
| Accrued charges and deferred income492/3 | - | - | - | €99 | €91 | ▼ 7.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €523,066 | €428,557 | €684,038 | €1.0m | €722,001 | ▼ 29.7% |
| Operating cash flow (approximation) | €523,066 | €428,557 | €684,038 | €1.0m | €722,001 | ▼ 29.7% |
| Investment in fixed assets (approximation) | - | -€133,333 | €0 | €0 | €0 | - |
| Change in cash | - | €1,949 | €32,203 | €1,416 | -€11,776 | ▼ 932% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 18 days late
2024
31-12
Financial
Highest result since 2021net €1.0m ▲50%
Net result €1.0m, the highest in the series.
31-12
Financial
Liquidity times 5current ratio 3.78
Current ratio from 0.77 to 3.78.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €2mEq €2.6m ▲35%
3 profitable years in a row build equity to €2.6m.
05-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 36 days late
2022
31-12
Financial
Weakest financial yearnet €428,557 ▼18.1%
Net result drops to €428,557, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 5.08
Current ratio from 2.52 to 5.08; short-term debt falls from €251,455 to €162,381.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Kinrooi · 1 establishment unit since 2020
Ground area
4,890 m²
Building footprint
2,857 m²
Volume, LiDAR
20,025 m³
Parcel 72026C0337/00L007, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pentapack Group
since 20202.309.283.750
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72026C0337/00L007 | Flanders | 4,890 m² | 1 · 2,857 m² | 8.0 m · 2 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.
Structure & network
Part of the group
THINK2ACT CAPITAL
12 companies
Group, risk and exposure
Owners and holdings
1 owner · 1 holding · 2 subsidiaries in the treeChain of control
- THINK2ACT CAPITAL
- VPIV
- Pentapack Group
Highest known parent: THINK2ACT CAPITAL. The sources do not say who stands above it.
Owners 1
- VPIVparentSourceaccounts VPIV 202598%
Holdings 1
-
100%
All subsidiaries, including indirect ones 2
Companies in which this company or one of its subsidiaries holds more than half, or which it consolidates according to the LEI register.
PENTAPACK 100%1 subsidiary
- Pentapack NA CropUS 100%
According to the 2025 annual accounts of Pentapack Group and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,451 EUR awarded · 2,170 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,451 EUR | 2,170 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
984500447E7774CEB160
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 9,016 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
Founded13-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0756506562
Registered
30-06-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.