PENTEA
ActivePENTEA has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €62k and a net result of €16k. Equity is growing by ~53.2% per year across the filed fiscal years. Its solvency ranks better than 58% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▼-10
Solvency90▲+9
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.43 against 2.42 in 2024; short-term debt: 34.6% and cash: 33.8% of total assets), and 35.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
64.5%
Return on assets
16.9%
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 27-04-2026, 95 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
95 d early
2024
22 d early
2023
36 d early
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€62k▲ 35.4%
2024 · €46k
2023: €13k
2024: €46k
2023 → 2025
Total assets
€96k▲ 17.7%
2024 · €82k
2023: €53k
2024: €82k
2023 → 2025
Net result
€16k▼ 50.1%
2024 · €33k
2023: €8k
2024: €33k
2023 → 2025
Working capital
€48k▲ 35.1%
2024 · €35k
2023: €6k
2024: €35k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€13k-€46k▲ 245%€62k▲ 35.4%
Operating result€12k-€45k▲ 285%€22k▼ 51.9%
Net result€8k-€33k▲ 292%€16k▼ 50.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 52% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €96k
Fixed assets
€15k▼ 29.1%
Current assets
€81k▲ 34.4%
Equity and liabilities €96k
Equity
€62k▲ 35.4%
Debt
€34k▼ 5.0%
The debt ratio falls from 43.9% to 35.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€28k▼
2024 · €52k
Cash flow
€23k▼
2024 · €39k
Solvency
64.5%▲
2024 · 56.1%
Current ratio
2.43▲
2024 · 2.42
Quick ratio
2.43▲
2024 · 2.42
Debt / equity
0.55▼
2024 · 0.78
ROE
26.2%▼
2024 · 71.0%
ROA
16.9%▼
2024 · 39.8%
Interest coverage
23.77▼
2024 · 36.58
Debt
€34k▼
2024 · €36k
Debt ≤ 1 year
€33k▲
2024 · €25k
Debt > 1 year
€869▼
2024 · €11k
Income taxes
€4k▼
2024 · €11k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€82k€96k▲
Fixed assets21/28€22k€15k▼
Tangible fixed assets22/27€22k€15k▼
Furniture and vehicles24€22k€15k▼
Current assets29/58€60k€81k▲
Amounts receivable within one year40/41€16k€46k▲
Trade receivables40€16k€24k▲
Other amounts receivable41-€22k
Cash at bank and in hand54/58€44k€33k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€82k€96k▲
Equity10/15€46k€62k▲
Contributions10/11€5k€5k=
Reserves13€41k€57k▲
Distributable reserves133€41k€57k▲
Amounts payable17/49€36k€34k▼
Amounts payable after more than one year17€11k€869▼
Financial debts170/4€11k€869▼
Amounts payable within one year42/48€25k€33k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€927€3k▲
Suppliers440/4€927€3k▲
Taxes, remuneration and social security45€14k€20k▲
Taxes450/3€13k€18k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€56€168▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€2k€1k▼
Gross operating margin9900€53k€29k▼
Operating profit (loss)9901€45k€22k▼
Financial income75/76B€0€3▲
Recurring financial income75€0€3▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€44k€21k▼
Income taxes67/77€11k€4k▼
Profit (loss) for the period9904€33k€16k▼
Profit (loss) for the period to be appropriated9905€33k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€41k€16k▼
Profit (loss) brought forward from the previous period14P€8k-
Transfer to equity691/2€41k€16k▼
To other reserves6921€41k€16k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €33k ▲292%
Operating result €45k, net result €33k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Ronse · 1 establishment unit since 2022
Ground area
348 m²
Building footprint
103 m²
Volume, LiDAR
682 m³
Parcel 45422C0370/00M000, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Allo Nestor
since 20222.336.854.516
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45422C0370/00M000 | Flanders | 348 m² | 1 · 103 m² | 10.3 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 82,569 companies in sector 70200 we hold annual accounts for 52,577. 39,163 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-08-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.