PEPPER ONE
ActivePEPPER ONE has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €118k and a net result of €48k. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 49% of 2672 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency89▲+31
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.8 against 1.62 in 2024), but 55.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 62
Relative position
BE, all sectors
reference
Sector 62
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
44.5%
Return on assets
18%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
23 d early
2023
30 d late
2022
on the day
2021
34 d early
2020
12 d late
2019
24 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€48k▼ 29.0%
2024 · €67k
2018: €68k
2019: €4k
2020: €14k
2021: €-215
2022: €10k
2023: €13k
2024: €67k
2018 → 2025
Working capital
€154k▲ 38.1%
2024 · €111k
2018: €182k
2019: €129k
2020: €90k
2021: €106k
2022: €62k
2023: €97k
2024: €111k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€75k▼ 3.3%€76k▲ 1.6%€93k▲ 22.7%€118k▲ 27.1%
Operating result€841-€-1k€18k€78k▲ 341%€64k▼ 17.8%
Net result€-215-€10k€13k▲ 31.2%€67k▲ 410%€48k▼ 29.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €266k
Fixed assets
€26k▼ 19.8%
Current assets
€239k▼ 18.1%
Equity and liabilities €266k
Equity
€118k▲ 27.1%
Debt
€148k▼ 36.4%
The debt ratio falls from 71.4% to 55.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€80k▼
2024 · €95k
Cash flow
€64k▼
2024 · €85k
Solvency
44.5%▲
2024 · 28.6%
Current ratio
2.80▲
2024 · 1.62
Quick ratio
2.80▲
2024 · 1.62
Debt / equity
1.25▼
2024 · 2.50
ROE
40.4%▼
2024 · 72.3%
ROA
18.0%▼
2024 · 20.7%
Interest coverage
23.58▼
2024 · 44.86
Debt
€148k▼
2024 · €232k
Debt ≤ 1 year
€85k▼
2024 · €181k
Debt > 1 year
€14k▲
2024 · €6k
Income taxes
€13k▲
2024 · €9k
Staff costs
€307
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€325k€266k▼
Fixed assets21/28€33k€26k▼
Intangible fixed assets21€9k€665▼
Tangible fixed assets22/27€24k€26k▲
Furniture and vehicles24€21k€23k▲
Other tangible fixed assets26€3k€3k=
Current assets29/58€292k€239k▼
Amounts receivable within one year40/41€187k€112k▼
Trade receivables40€120k€105k▼
Other amounts receivable41€67k€7k▼
Cash at bank and in hand54/58€105k€127k▲
Deferred charges and accrued income490/1€490€509▲
Equity and liabilities
Total equity and liabilities10/49€325k€266k▼
Equity10/15€93k€118k▲
Contributions10/11€63k€63k=
Capital10€63k€63k=
Issued capital100€63k€63k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€24k€49k▲
Amounts payable17/49€232k€148k▼
Amounts payable after more than one year17€6k€14k▲
Financial debts170/4€6k€14k▲
Amounts payable within one year42/48€181k€85k▼
Current portion of amounts payable after more than one year42€6k€10k▲
Financial debts43€3k€5k▲
Credit institutions430/8€3k€5k▲
Trade debts44€95k€23k▼
Suppliers440/4€95k€23k▼
Taxes, remuneration and social security45€27k€23k▼
Taxes450/3€27k€23k▼
Other amounts payable47/48€50k€24k▼
Accrued charges and deferred income492/3€45k€49k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€307
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€16k▼
Other operating charges640/8€815€7k▲
Gross operating margin9900€96k€87k▼
Operating profit (loss)9901€78k€64k▼
Financial income75/76B€304€6▼
Recurring financial income75€304€6▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€76k€60k▼
Income taxes67/77€9k€13k▲
Profit (loss) for the period9904€67k€48k▼
Profit (loss) for the period to be appropriated9905€67k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€74k€72k▼
Profit (loss) brought forward from the previous period14P€7k€24k▲
Profit to be distributed694/7€50k€23k▼
Directors or managers695€50k€23k▼
The notes to these accounts (8 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €100kEq €118k ▲27.1%
4 profitable years in a row build equity to €118k.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-215 ▼102%
Net result drops to €-215, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 24 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
25-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 86 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Fosses-la-Ville · 2 establishment units since 2005
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 Donat-Masson 255070 Fosses-la-VilleGround area
3,120 m²
Building footprint
335 m²
Volume, LiDAR
3,128 m³
2 parcels, Brussels, Wallonia · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
PEPPER ONE SA
since 20052.147.854.469
AntoineSimilon.com
since 20242.371.404.035
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92048E0038/00F000 | Wallonia | 3,000 m² | 1 · 212 m² | 13.8 m · 4 fl. |
| 21016B0218/00A002 | Brussels | 119 m² | 1 · 123 m² | 15.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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MODULO 2 PI
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EXPLEO
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MARKIT-SOLUTIONS
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Veurne · Eq €118k
Of 29,889 companies in sector 62200 we hold annual accounts for 18,319. 15,440 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded06-07-2005
Fiscal year end31-12
Abbreviation FR
PEPPER
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
58290Other software publishing
62900Other information technology and computer services
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
72210
72300
72400
72600
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.