PEPP²
ActiveSummary
PEPP² has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59k and a net result of €47k. Equity is growing by ~38% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+21
Solvency72▼-27
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.83 against 3.71 in 2024; short-term debt: 52.5% and cash: 64% of total assets), but 52.5% 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 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
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
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
47.5%
Return on assets
37.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 15-01-2026, 105 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
105 d early
2024
159 d early
2023
139 d early
2022
107 d early
2021
113 d early
2020
137 d early
2019
106 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, unclassified schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€47k▲ 671%
2024 · €6k
2018: €74
2019: €2k
2020: €2k
2021: €42k
2022: €-33k
2023: €31k
2024: €6k
2018 → 2025
Working capital
€54k▲ 3.8%
2024 · €52k
2018: €-2k
2019: €-1k
2020: €5k
2021: €49k
2022: €18k
2023: €50k
2024: €52k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€20k▼ 62.2%€51k▲ 158%€56k▲ 9.3%€59k▲ 5.7%
Operating result€63k-€-31k€36k€16k▼ 55.0%€70k▲ 324%
Net result€42k-€-33k€31k€6k▼ 80.5%€47k▲ 671%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 324% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€5k ▲ 31.9%
Current assets
€120k ▲ 67.2%
Equity and liabilities €125k
Equity
€59k ▲ 5.7%
Debt
€66k ▲ 239%
Debt's share of the balance-sheet total rises from 25.6% to 52.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€71k▲
2024 · €17k
Cash flow
€49k▲
2024 · €7k
Current ratio
1.83▼
2024 · 3.71
Debt to equity
1.11▲
2024 · 0.34
ROE
79.7%▲
2024 · 10.9%
ROA
37.9%▲
2024 · 8.1%
Interest coverage
25.87▲
2024 · 8.15
Debt ≤ 1 year
€66k▲
2024 · €19k
Income taxes
€20k▲
2024 · €8k
Staff costs
€3k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€76k€125k▲
Fixed assets21/28€4k€5k▲
Tangible fixed assets22/27€4k€5k▲
Land and buildings22€0€0=
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€997€3k▲
Current assets29/58€72k€120k▲
Amounts receivable within one year40/41€20k€37k▲
Trade receivables40€19k€36k▲
Other amounts receivable41€1k€411▼
Cash at bank and in hand54/58€49k€80k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€76k€125k▲
Equity10/15€56k€59k▲
Contributions10/11€6k€6k=
Reserves13€50k€53k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€48k€51k▲
Amounts payable17/49€19k€66k▲
Amounts payable within one year42/48€19k€66k▲
Current portion of amounts payable after more than one year42€556€556=
Trade debts44€5k€11k▲
Suppliers440/4€5k€11k▲
Taxes, remuneration and social security45€11k€21k▲
Taxes450/3€11k€21k▲
Other amounts payable47/48€3k€33k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€2k€625▼
Gross operating margin9900€19k€74k▲
Operating profit (loss)9901€16k€70k▲
Financial income75/76B€172€159▼
Recurring financial income75€172€159▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€14k€67k▲
Income taxes67/77€8k€20k▲
Profit (loss) for the period9904€6k€47k▲
Profit (loss) for the period to be appropriated9905€6k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€47k▲
Profit (loss) brought forward from the previous period14P€-1k-
Transfer from equity791/2€561€44k▲
Transfer to equity691/2€4k€47k▲
To other reserves6921€4k€47k▲
Profit to be distributed694/7€1k€44k▲
Return on contributions (dividend)694€1k€44k▲
The notes to these accounts (5 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
15-01
NBB filing
Annual accounts filed
fiscal year 2025 · unclassified schema
2025
30-09
Financial
Highest result since 2018net €47k ▲671%
Operating result €70k, net result €47k, both a record.
2024
22-11
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2023
13-12
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
30-09
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
13-01
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
30-09
Financial
Weakest financial yearnet €-33k ▼179%
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
07-01
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
2021
30-09
Financial
Liquidity triplescurrent ratio 3.28
Current ratio from 1.20 to 3.28; short-term debt falls from €25k to €21k.
2020
14-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
10-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
14-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
10-01
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.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Eupen · 1 establishment unit since 2010
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.
Auf dem Spitzberg 304700 Eupen1 establishment unit
PEPP²
since 20102.192.886.720
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Of 11,671 companies in sector 85599 we hold annual accounts for 1,329. 1,026 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
Founded27-09-2010
Fiscal year end30-09
Activities, NACEBEL 2025
85599Other education
70200Business and other management consultancy
73300Public relations and communication consultancy
82100Office administrative and support services
82300Organisation of conventions and trade shows
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filings
Scores and ratios are computed by Checked and are not a credit decision.