PEPINIERES LABBE RUDY
ActiveSummary
PEPINIERES LABBE RUDY has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €254k and a net result of €38k. Equity is growing by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 62% of 3121 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-3
Solvency72▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 1.58 against 1.34 in 2024; short-term debt: 50.4% and cash: 4.9% of total assets), but 52.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
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
47.4%
Return on assets
7.2%
Age of the figures
9 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 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
31 d early
2023
30 d early
2022
31 d early
2021
31 d early
2020
88 d early
2019
92 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€254k▲ 17.8%
2024 · €215k
2018: €75k
2019: €78k
2020: €86k
2021: €91k
2022: €122k
2023: €162k
2024: €215k
2018 → 2025
Total assets
€536k▲ 1.7%
2024 · €527k
2018: €407k
2019: €387k
2020: €410k
2021: €514k
2022: €508k
2023: €513k
2024: €527k
2018 → 2025
Net result
€38k▼ 27.9%
2024 · €53k
2018: €20k
2019: €3k
2020: €8k
2021: €5k
2022: €30k
2023: €40k
2024: €53k
2018 → 2025
Working capital
€156k▲ 51.7%
2024 · €103k
2018: €-4k
2019: €-6k
2020: €21k
2021: €-9k
2022: €15k
2023: €69k
2024: €103k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€91k-€122k▲ 33.2%€162k▲ 33.1%€215k▲ 32.8%€254k▲ 17.8%
Operating result€7k-€46k▲ 535%€59k▲ 27.9%€78k▲ 31.2%€57k▼ 27.0%
Net result€5k-€30k▲ 483%€40k▲ 32.8%€53k▲ 32.1%€38k▼ 27.9%
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 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €536k
Fixed assets
€109k ▼ 9.3%
Current assets
€427k ▲ 4.9%
Equity and liabilities €536k
Equity
€254k ▲ 17.8%
Debt
€282k ▼ 9.5%
Debt's share of the balance-sheet total falls from 59.1% to 52.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€82k▼
2024 · €102k
Cash flow
€63k▼
2024 · €78k
Current ratio
1.58▲
2024 · 1.34
Quick ratio
1.24▲
2024 · 1.05
Debt to equity
1.11▼
2024 · 1.45
ROE
15.1%▼
2024 · 24.7%
ROA
7.2%▼
2024 · 10.1%
Interest coverage
298.77▲
2024 · 246.11
Debt ≤ 1 year
€270k▼
2024 · €303k
Debt > 1 year
€5k▼
2024 · €8k
Income taxes
€18k▼
2024 · €24k
Staff costs
€17k▼
2024 · €18k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€527k€536k▲
Formation expenses20€0€0=
Fixed assets21/28€120k€109k▼
Tangible fixed assets22/27€120k€109k▼
Land and buildings22€74k€68k▼
Plant, machinery and equipment23€13k€7k▼
Furniture and vehicles24€33k€34k▲
Current assets29/58€406k€427k▲
Stocks and contracts in progress3€86k€90k▲
Stocks30/36€86k€90k▲
Amounts receivable within one year40/41€313k€308k▼
Trade receivables40€299k€295k▼
Other amounts receivable41€14k€13k▼
Cash at bank and in hand54/58€6k€26k▲
Deferred charges and accrued income490/1€993€1k▲
Equity and liabilities
Total equity and liabilities10/49€527k€536k▲
Equity10/15€215k€254k▲
Contributions10/11€20k€20k=
Reserves13€137k€176k▲
Distributable reserves133€137k€176k▲
Profit (loss) carried forward14€58k€58k=
Amounts payable17/49€311k€282k▼
Amounts payable after more than one year17€8k€5k▼
Financial debts170/4€8k€5k▼
Amounts payable within one year42/48€303k€270k▼
Current portion of amounts payable after more than one year42€3k€3k▲
Trade debts44€109k€77k▼
Suppliers440/4€109k€77k▼
Taxes, remuneration and social security45€7k€4k▼
Taxes450/3€5k€2k▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€184k€187k▲
Accrued charges and deferred income492/3-€7k
Income statement
Code20242025
Remuneration, social security and pensions62€18k€17k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€25k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€121k€101k▼
Operating profit (loss)9901€78k€57k▼
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€415€273▼
Recurring financial charges65€415€273▼
Profit (loss) for the period before taxes9903€77k€57k▼
Income taxes67/77€24k€18k▼
Profit (loss) for the period9904€53k€38k▼
Profit (loss) for the period to be appropriated9905€53k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€111k€96k▼
Profit (loss) brought forward from the previous period14P€58k€58k=
Transfer to equity691/2€53k€38k▼
To other reserves6921€53k€38k▼
The notes to these accounts (6 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €53k ▲32.1%
Operating result €78k, net result €53k, both a record.
31-12
Financial
Equity above €200kEq €215k ▲32.8%
7 profitable years in a row build equity to €215k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €162k ▲33.1%
6 profitable years in a row build equity to €162k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €122k ▲33.2%
5 profitable years in a row build equity to €122k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
31-12
Financial
Weakest financial yearnet €3k ▼83.3%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
Show earlier events
12-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 43 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Bertrix · 1 establishment unit since 2012
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.
Rue du Nouvely,Sart 96880 BertrixGround area
1,139 m²
Building footprint
136 m²
Volume, LiDAR
679 m³
Parcel 84030A0011/00R000, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PEPINIERES LABBE RUDY
since 20122.207.977.445
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84030A0011/00R000 | Wallonia | 1,139 m² | 1 · 135 m² | 7.2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBertrix2.207.977.445
Similar companies · same sector, comparable size
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BE 0776.765.904
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BE 0463.760.166
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PEPINIERES SAMUEL BONNET
BE 1011.149.477
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PEPINIERES REMACLE
BE 0445.041.839
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Of 641 companies in sector 01301 we hold annual accounts for 297. 240 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-03-2012
Fiscal year end31-12
Activities, NACEBEL 2025
01301Crop and animal production, hunting and related service activities
02100Forestry and logging
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.