PEPPOST
ActivePEPPOST has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €155k and a net result of €-5k. Equity is growing by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 88% of 12675 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
66
/ 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
Profitability15▼-59
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 32.28 against 59.23 in 2024; short-term debt: 3% and cash: 8.8% of total assets), and 10.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 23-03-2026, 38 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
38 d early
2024
36 d early
2023
42 d early
2022
38 d early
2021
16 d early
← before the deadline
after the deadline →
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
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€155k▼ 2.8%
2024 · €160k
2021: €76k
2022: €122k
2023: €152k
2024: €160k
2021 → 2025
Total assets
€174k▼ 2.9%
2024 · €179k
2021: €108k
2022: €132k
2023: €161k
2024: €179k
2021 → 2025
Net result
€-5k
2024 · €7k
2021: €56k
2022: €45k
2023: €30k
2024: €7k
2021 → 2025
Working capital
€165k▼ 5.7%
2024 · €175k
2021: €82k
2022: €124k
2023: €155k
2024: €175k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€76k-€122k▲ 59.4%€152k▲ 24.8%€160k▲ 4.9%€155k▼ 2.8%
Operating result€79k-€63k▼ 19.6%€42k▼ 32.9%€10k▼ 76.7%€-6k
Net result€56k-€45k▼ 19.5%€30k▼ 33.4%€7k▼ 75.5%€-5k
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 €6k after €10k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €174k
Fixed assets
€3k▲ 368%
Current assets
€170k▼ 4.4%
Equity and liabilities €174k
Equity
€155k▼ 2.8%
Debt
€19k▼ 3.6%
The debt ratio falls from 10.9% to 10.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-5k▼
2024 · €10k
Cash flow
€-4k▼
2024 · €8k
Solvency
89.2%▲
2024 · 89.1%
Current ratio
32.28▼
2024 · 59.23
Quick ratio
32.28▼
2024 · 59.23
Debt / equity
0.12▼
2024 · 0.12
ROE
-2.9%▼
2024 · 4.7%
ROA
-2.6%▼
2024 · 4.1%
Interest coverage
-2.42▼
2024 · 33.09
Debt
€19k▼
2024 · €19k
Debt ≤ 1 year
€5k▲
2024 · €3k
Income taxes
€0▼
2024 · €4k
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€179k€174k▼
Fixed assets21/28€695€3k▲
Tangible fixed assets22/27€695€3k▲
Furniture and vehicles24€695€3k▲
Current assets29/58€178k€170k▼
Amounts receivable within one year40/41€28k€25k▼
Trade receivables40€17k€4k▼
Other amounts receivable41€11k€21k▲
Current investments50/53€131k€130k▼
Cash at bank and in hand54/58€19k€15k▼
Equity and liabilities
Total equity and liabilities10/49€179k€174k▼
Equity10/15€160k€155k▼
Contributions10/11€20k€20k=
Reserves13€140k€140k=
Distributable reserves133€140k€140k=
Profit (loss) carried forward14-€-5k
Amounts payable17/49€19k€19k▼
Amounts payable within one year42/48€3k€5k▲
Trade debts44€370€5k▲
Suppliers440/4€370€5k▲
Taxes, remuneration and social security45€3k€568▼
Taxes450/3€3k€568▼
Accrued charges and deferred income492/3€16k€13k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€476€970▲
Non-recurring operating charges66A-€695
Gross operating margin9900€10k€-5k▼
Operating profit (loss)9901€10k€-6k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€313€2k▲
Recurring financial charges65€313€2k▲
Profit (loss) for the period before taxes9903€12k€-5k▼
Income taxes67/77€4k€0▼
Profit (loss) for the period9904€7k€-5k▼
Profit (loss) for the period to be appropriated9905€7k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€-5k▼
Transfer to equity691/2€7k€0▼
To other reserves6921€7k€0▼
The notes to these accounts (15 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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-5k ▼161%
Net result drops to €-5k, the lowest in the series.
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €150kEq €152k ▲24.8%
3 profitable years in a row build equity to €152k.
23-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity quadruplescurrent ratio 20.11
Current ratio from 4.49 to 20.11; short-term debt falls from €23k to €7k.
30-09
Financial
Equity above €100kEq €122k ▲59.4%
2 profitable years in a row build equity to €122k.
14-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Pepinster · 1 establishment unit since 2020
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.
Avenue Albert Ier 7B4860 PepinsterGround area
101 m²
Building footprint
43 m²
Volume, LiDAR
385 m³
Parcel 63058B0147/02N000, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Avenue Albert Ier 7B, 4860 Pepinster
since 20202.304.275.481
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63058B0147/02N000 | Wallonia | 101 m² | 1 · 43 m² | 10.9 m · 3 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.
Similar companies · same sector, comparable size
FI²
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MARC GENICOT
BE 0476.497.058
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BE 0780.944.822
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FEAN
BE 0728.640.046
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KAIZEN-IUS
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Of 2,761 companies in sector 69109 we hold annual accounts for 1,209. 928 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-03-2020
Fiscal year end30-09
Activities, NACEBEL
69109Other legal services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.