PEPO
ActiveThe computed 12-month bankruptcy probability of PEPO is 3.4% (moderate). The 2025 annual accounts show equity of €20k and a net result of €-7k. Equity is growing by ~41% per year across the filed fiscal years. Its solvency ranks better than 70% of 13240 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-73
Solvency78▼-15
Growth35=
Track record100
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 3.48 against 6.98 in 2024; short-term debt: 27.5% and cash: 36.9% of total assets), and 46.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
53.2%
Return on assets
-18.6%
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
29 d late
2023
28 d late
2022
10 d late
2021
8 d late
2020
11 d late
2019
12 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€49k▼ 43.0%
2019 · €87k
2018: €100k
2019: €87k
2018 → 2020
EBIT margin
6.7%▲ 6.3pp
2019 · 0.4%
2018: 9.1%
2019: 0.4%
2018 → 2020
Net result
€-7k
2024 · €1k
2018: €9k
2019: €-2k
2020: €3k
2021: €16k
2022: €-7k
2023: €11k
2024: €1k
2018 → 2025
Working capital
€26k▼ 18.5%
2024 · €32k
2018: €12k
2019: €11k
2020: €12k
2021: €32k
2022: €17k
2023: €29k
2024: €32k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€14k▼ 31.7%€26k▲ 79.2%€27k▲ 5.0%€20k▼ 25.9%
Operating result€16k-€-7k€11k€1k▼ 87.3%€-7k
Net result€16k-€-7k€11k€1k▼ 88.8%€-7k
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 2025: a loss of €7k after €1k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€2k▼ 43.2%
Current assets
€36k▼ 2.0%
Equity and liabilities €38k
Equity
€20k▼ 25.9%
Debt
€18k▲ 40.6%
The debt ratio rises from 31.6% to 46.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-6k▼
2024 · €3k
Cash flow
€-6k▼
2024 · €2k
Solvency
53.2%▼
2024 · 68.4%
Current ratio
3.48▼
2024 · 6.98
Quick ratio
2.91▼
2024 · 5.62
Debt / equity
0.88▲
2024 · 0.46
ROE
-34.9%▼
2024 · 4.7%
ROA
-18.6%▼
2024 · 3.2%
Interest coverage
-1993.95▼
2024 · 27.91
Debt
€18k▲
2024 · €13k
Debt ≤ 1 year
€10k▲
2024 · €5k
Debt > 1 year
€7k=
2024 · €7k
Staff costs
€385
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€40k€38k▼
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€37k€36k▼
Stocks and contracts in progress3€7k€6k▼
Stocks30/36€7k€6k▼
Amounts receivable within one year40/41€21k€16k▼
Trade receivables40€19k€16k▼
Other amounts receivable41€1k€0▼
Cash at bank and in hand54/58€9k€14k▲
Deferred charges and accrued income490/1€537€544▲
Equity and liabilities
Total equity and liabilities10/49€40k€38k▼
Equity10/15€27k€20k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€9k€2k▼
Amounts payable17/49€13k€18k▲
Amounts payable after more than one year17€7k€7k=
Financial debts170/4€7k€7k=
Amounts payable within one year42/48€5k€10k▲
Trade debts44€0€5k▲
Suppliers440/4€0€5k▲
Taxes, remuneration and social security45€0€354▲
Taxes450/3€0€354▲
Other amounts payable47/48€5k€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€385
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€6k€7k▲
Gross operating margin9900€8k€1k▼
Operating profit (loss)9901€1k€-7k▼
Financial income75/76B€9€1▼
Recurring financial income75€9€1▼
Financial charges65/66B€91€3▼
Recurring financial charges65€91€3▼
Profit (loss) for the period before taxes9903€1k€-7k▼
Profit (loss) for the period9904€1k€-7k▼
Profit (loss) for the period to be appropriated9905€1k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€2k▼
Profit (loss) brought forward from the previous period14P€7k€9k▲
The notes to these accounts (9 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Weakest financial yearnet €-7k ▼648%
Net result drops to €-7k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
31-12
Financial
Highest result since 2018net €16k ▲386%
Operating result €16k, net result €16k, both a record.
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2013
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.
Berckmansstraat 1401060 Sint-Gillis (bij-Brussel)Ground area
130 m²
Building footprint
132 m²
Volume, LiDAR
1,729 m³
Parcel 21013B0032/02S000, Brussels · tallest building 16.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
COQ d'OR
since 20132.223.016.702
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0032/02S000 | Brussels | 130 m² | 1 · 132 m² | 16.7 m · 5 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 siteSint-Gillis2.223.016.702
Similar companies · same sector, comparable size
ASSOCIATION DES ELEVEURS DE CHEVAUX DE SPORT DE LA PROVINCE DE LUXEMBOURG
BE 0414.650.551
Bastogne · Eq €20k
CAFE DE VALK
BE 0883.486.193
Malle · Eq €20k
LSD CONCEPT
BE 0658.803.412
Mouscron · Eq €20k
Cafe Fringale
BE 1010.895.891
Zoersel · Eq €20k
MOBIL LIFE
BE 0456.062.821
Antwerpen · Eq €20k
Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 3,999 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-2013
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.