PERGAMINO
ActivePERGAMINO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €11k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 32% of 6974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
72
/ 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
Profitability91▲+15
Solvency55▲+19
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 0.65 in 2024; short-term debt: 38.1% and cash: 7.2% of total assets), and 69.9% 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○neutral
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
30.1%
Return on assets
17.6%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €19k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
30 d late
2022
6 d early
2021
22 d late
2020
31 d late
2019
19 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€19k▲ 140%
2024 · €8k
2018: €31k
2019: €40k
2020: €40k
2021: €11k
2022: €45k
2023: €4k
2024: €8k
2018 → 2025
Total assets
€63k▼ 12.7%
2024 · €72k
2018: €134k
2019: €131k
2020: €105k
2021: €101k
2022: €95k
2023: €71k
2024: €72k
2018 → 2025
Net result
€11k▲ 165%
2024 · €4k
2018: €-18k
2019: €27k
2020: €27k
2021: €-2k
2022: €34k
2023: €-41k
2024: €4k
2018 → 2025
Working capital
€7k
2024 · €-15k
2018: €-47k
2019: €-47k
2020: €-34k
2021: €-32k
2022: €185
2023: €-33k
2024: €-15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€45k▲ 313%€4k▼ 91.6%€8k▲ 112%€19k▲ 140%
Operating result€172-€36k▲ 20,703%€-39k€8k€14k▲ 75.7%
Net result€-2k-€34k€-41k€4k€11k▲ 165%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 76% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €63k
Fixed assets
€32k▼ 26.9%
Current assets
€31k▲ 8.7%
Equity and liabilities €63k
Equity
€19k▲ 140%
Debt
€44k▼ 31.5%
The debt ratio falls from 89.0% to 69.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▲
2024 · €24k
Cash flow
€23k▲
2024 · €20k
Solvency
30.1%▲
2024 · 11.0%
Current ratio
1.30▲
2024 · 0.65
Quick ratio
1.24▲
2024 · 0.62
Debt / equity
2.32▼
2024 · 8.11
ROE
58.3%▲
2024 · 52.8%
ROA
17.6%▲
2024 · 5.8%
Interest coverage
12.72▲
2024 · 6.20
Debt
€44k▼
2024 · €64k
Debt ≤ 1 year
€24k▼
2024 · €44k
Debt > 1 year
€20k=
2024 · €20k
Income taxes
€1k▲
2024 · €123
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€72k€63k▼
Fixed assets21/28€43k€32k▼
Tangible fixed assets22/27€42k€30k▼
Land and buildings22€30k€24k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€10k€5k▼
Financial fixed assets28€1k€1k=
Current assets29/58€29k€31k▲
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€26k€24k▼
Trade receivables40€25k€24k▼
Other amounts receivable41€877€0▼
Cash at bank and in hand54/58€365€4k▲
Deferred charges and accrued income490/1€707€1k▲
Equity and liabilities
Total equity and liabilities10/49€72k€63k▼
Equity10/15€8k€19k▲
Contributions10/11€60k€60k=
Profit (loss) carried forward14€-52k€-41k▲
Amounts payable17/49€64k€44k▼
Amounts payable after more than one year17€20k€20k=
Financial debts170/4€20k€20k=
Amounts payable within one year42/48€44k€24k▼
Current portion of amounts payable after more than one year42€0-
Financial debts43€27k€6k▼
Credit institutions430/8€27k€6k▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€8k€10k▲
Taxes450/3€6k€8k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€5k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€12k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€25k€29k▲
Operating profit (loss)9901€8k€14k▲
Financial income75/76B€0€21▲
Recurring financial income75€0€21▲
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€4k€12k▲
Income taxes67/77€123€1k▲
Profit (loss) for the period9904€4k€11k▲
Profit (loss) for the period to be appropriated9905€4k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-52k€-41k▲
Profit (loss) brought forward from the previous period14P€-56k€-52k▲
Transfer from equity791/2€0-
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 1.30
Current ratio from 0.65 to 1.30; short-term debt falls from €44k to €24k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-41k ▼221%
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.01
Current ratio from 0.47 to 1.01; short-term debt falls from €61k to €27k.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
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
3 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, Scherpenheuvel-Zichem · 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.
Steenweg Diest 43271 Scherpenheuvel-ZichemGround area
1,029 m²
Building footprint
122 m²
Volume, LiDAR
925 m³
Parcel 24129C0460/00Z000, Flanders · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ecoTips
since 20102.191.939.286
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24129C0460/00Z000 | Flanders | 1,029 m² | 1 · 122 m² | 9.3 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.
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Of 13,425 companies in sector 73300 we hold annual accounts for 6,901. 4,647 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-09-2010
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.