PEP.BE

Active

Private limited companyfounded 20215 yrs activeHessenbrug 2, 2000 Antwerpen, BelgiumKBO/BCE: BE 0762.974.482

The computed 12-month bankruptcy probability of PEP.BE is 2.9% (moderate). The 2024 annual accounts show equity of €69k and a net result of €-50k. Equity is growing by ~272.8% per year across the filed fiscal years. Its solvency ranks better than 29% of 1406 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

17 / 100

Critical▼ -54 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability5▼-16

Solvency31▼-4

Growth84▲+6

Stability94

Bankruptcy probability, 12 months

2.9% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity tight (current ratio 1.09 against 1.17 in 2023), and 78.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

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 2024

Solvency, return and age of the figures

Solvency

21.4%

Return on assets

-15.6%

Age of the figures

20 mo

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-01-2026, 169 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

169 d late

2023

30 d late

2022

3 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, abbreviated schema

Turnover

€2.68M▲ 19.0%

2023 · €2.25M

2023: €2.25M

2023 → 2024

EBIT margin

-1.9%▼ 2.2pp

2023 · 0.4%

2023: 0.4%

2023 → 2024

Net result

€-50k

2023 · €8k

2022: €-579k 2023: €8k

2022 → 2024

Working capital

€22k▼ 67.7%

2023 · €68k

2022: €-643k 2023: €68k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Turnover€2.25M€2.68M▲ 19.0%

Equity€-579k-€119k€69k▼ 42.2%

Operating result€-578k-€8k€-50k

Net result€-579k-€8k€-50k

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2024: a loss of €50k after €8k in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €320k

14.6%

85.4%

Fixed assets €47k▼ 8.3%

Current assets €273k▼ 42.4%

Equity and liabilities €320k

21.4%

78.6%

Equity €69k▼ 42.2%

Debt €252k▼ 38.2%

The debt ratio rises from 77.4% to 78.6%: equity shrinks faster than debt is paid down.

Key figures and ratios

2024 value · change against 2023

EBITDA

€-43k▼

2023 · €15k

Cash flow

€-43k▼

2023 · €14k

Solvency

21.4%▼

2023 · 22.6%

Current ratio

1.09▼

2023 · 1.17

Quick ratio

1.09▼

2023 · 1.17

Debt / equity

3.66▲

2023 · 3.43

ROE

-72.9%▼

2023 · 6.6%

ROA

-15.6%▼

2023 · 1.5%

Interest coverage

-120.11▼

2023 · 36.73

Debt

€252k▼

2023 · €407k

Debt ≤ 1 year

€252k▼

2023 · €407k

Staff costs

€686k▲

2023 · €561k

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€526k€320k▼

Fixed assets21/28€51k€47k▼

Tangible fixed assets22/27€15k€10k▼

Plant, machinery and equipment23€8k€4k▼

Furniture and vehicles24€3k€2k▼

Other tangible fixed assets26€4k€4k▼

Financial fixed assets28€36k€37k▲

Current assets29/58€475k€273k▼

Amounts receivable within one year40/41€451k€240k▼

Trade receivables40€282k€150k▼

Other amounts receivable41€169k€90k▼

Cash at bank and in hand54/58€23k€26k▲

Deferred charges and accrued income490/1€900€8k▲

Equity and liabilities

Total equity and liabilities10/49€526k€320k▼

Equity10/15€119k€69k▼

Contributions10/11€690k€690k=

Profit (loss) carried forward14€-571k€-622k▼

Amounts payable17/49€407k€252k▼

Amounts payable within one year42/48€407k€252k▼

Trade debts44€331k€189k▼

Suppliers440/4€331k€189k▼

Taxes, remuneration and social security45€58k€63k▲

Remuneration and social security454/9€58k€63k▲

Other amounts payable47/48€18k-

Income statement Code20232024

Turnover70€2.25M€2.68M▲

Goods, raw materials, services and sundry goods60/61€1.66M€1.99M▲

Remuneration, social security and pensions62€561k€686k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲

Other operating charges640/8€14k€47k▲

Non-recurring operating charges66A€4k-

Gross operating margin9900€594k€689k▲

Operating profit (loss)9901€8k€-50k▼

Financial charges65/66B€402€359▼

Recurring financial charges65€402€359▼

Profit (loss) for the period before taxes9903€8k€-50k▼

Profit (loss) for the period9904€8k€-50k▼

Profit (loss) for the period to be appropriated9905€8k€-50k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-571k€-622k▼

Profit (loss) brought forward from the previous period14P€-579k€-571k▲

Social balance

Average headcount (FTE)908711.711.2▼

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 3Filings 3

2026

16-01

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 169 days late

2024

30-08

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema · 30 days late

2023

31-12

Financial Back to profitnet €8k

Net result €8k after one loss-making year.

31-12

Financial Liquidity times 7current ratio 1.17

Current ratio from 0.18 to 1.17; short-term debt falls from €783k to €407k.

31-12

Financial Equity above €100kEq €119k

Equity rises from €-579k to €119k.

28-07

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 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, Antwerpen · 3 establishment units since 2021

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.

Hessenbrug 22000 Antwerpen

Ground area

5,073 m²

Building footprint

4,546 m²

Volume, LiDAR

76,692 m³

3 parcels, Flanders · tallest building 38.4 m, ±6 floors. Linked by address, not a title deed.

3 establishment units

PEP.BE

Hessenbrug 2, 2000 AntwerpenRetail trade

since 20212.316.231.227

PEP.BE

Normaalschoolstraat 38, 9000 GentComputer programming, consultancy and related activities

since 20232.341.962.555

PEP.BE

Engels Plein 31, 3000 LeuvenComputer programming, consultancy and related activities

since 20232.341.962.654

3 parcels

Flanders 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24062A0069/00R000	Flanders	4,206 m²	1 · 4,153 m²	38.4 m · 6 fl.
44808H0001/00X028	Flanders	587 m²	1 · 122 m²	17.9 m · 4 fl.
11802B0437/00B000	Flanders	280 m²	1 · 271 m²	15.9 m · 4 fl.