PERGO-HOME
ActivePERGO-HOME has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €16k. Equity is shrinking by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 8% of 7778 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▲+3
Solvency27▼-5
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity ample (current ratio 1.56 against 2.45 in 2024; short-term debt: 56.1% and cash: 1.3% of total assets), but 98.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
1.6%
Return on assets
3.2%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 7778 sector peers (2025).
NBB · sector comparisonPosition among 7778 sector peers
Solvency
better than 8%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 7 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
152 d early
2022
16 d late
2021
30 d late
2020
11 d late
2019
28 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€8k▼ 82.0%
2024 · €45k
2019: €18k
2020: €79k
2021: €85k
2022: €80k
2023: €69k
2024: €45k
2019 → 2025
Total assets
€502k▼ 26.0%
2024 · €678k
2019: €92k
2020: €165k
2021: €230k
2022: €422k
2023: €405k
2024: €678k
2019 → 2025
Net result
€16k▲ 34.5%
2024 · €12k
2019: €7k
2020: €54k
2021: €44k
2022: €44k
2023: €36k
2024: €12k
2019 → 2025
Working capital
€159k▼ 54.3%
2024 · €347k
2019: €15k
2020: €75k
2021: €71k
2022: €95k
2023: €197k
2024: €347k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€85k-€80k▼ 6.6%€69k▼ 14.0%€45k▼ 34.8%€8k▼ 82.0%
Operating result€68k-€64k▼ 5.2%€67k▲ 4.4%€30k▼ 55.2%€55k▲ 83.3%
Net result€44k-€44k▲ 0.7%€36k▼ 18.2%€12k▼ 66.4%€16k▲ 34.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 83% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €502k
Fixed assets
€62k▼ 33.0%
Current assets
€440k▼ 24.9%
Equity and liabilities €502k
Equity
€8k▼ 82.0%
Debt
€494k▼ 22.0%
The debt ratio rises from 93.4% to 98.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€67k▲
2024 · €44k
Cash flow
€28k▲
2024 · €26k
Solvency
1.6%▼
2024 · 6.6%
Current ratio
1.56▼
2024 · 2.45
Quick ratio
0.63▼
2024 · 0.76
Debt / equity
61.46▲
2024 · 14.15
ROE
201.8%▲
2024 · 26.9%
ROA
3.2%▲
2024 · 1.8%
Interest coverage
2.71▲
2024 · 2.54
Debt
€494k▼
2024 · €634k
Debt ≤ 1 year
€282k▲
2024 · €240k
Debt > 1 year
€212k▼
2024 · €394k
Income taxes
€15k▲
2024 · €903
Staff costs
€111k▲
2024 · €71k
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€678k€502k▼
Fixed assets21/28€92k€62k▼
Tangible fixed assets22/27€81k€51k▼
Plant, machinery and equipment23€45k€38k▼
Furniture and vehicles24€37k€13k▼
Financial fixed assets28€10k€10k=
Current assets29/58€586k€440k▼
Stocks and contracts in progress3€405k€263k▼
Stocks30/36€405k€263k▼
Amounts receivable within one year40/41€175k€171k▼
Trade receivables40€134k€129k▼
Other amounts receivable41€41k€42k▲
Cash at bank and in hand54/58€6k€6k▲
Deferred charges and accrued income490/1€273€99▼
Equity and liabilities
Total equity and liabilities10/49€678k€502k▼
Equity10/15€45k€8k▼
Contributions10/11€19k€19k=
Capital10-€19k
Issued capital100-€19k
Outside capital11€19k-
Share premium1100/10€19k-
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€24k€-12k▼
Amounts payable17/49€634k€494k▼
Amounts payable after more than one year17€394k€212k▼
Financial debts170/4€394k€212k▼
Amounts payable within one year42/48€240k€282k▲
Current portion of amounts payable after more than one year42€51k€48k▼
Financial debts43€22k€34k▲
Credit institutions430/8€22k€34k▲
Trade debts44€107k€156k▲
Suppliers440/4€107k€156k▲
Advances received on contracts in progress46€30k€17k▼
Taxes, remuneration and social security45€29k€27k▼
Taxes450/3€26k€21k▼
Remuneration and social security454/9€3k€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62€71k€111k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€12k▼
Other operating charges640/8€716€620▼
Non-recurring operating charges66A€6k€12k▲
Gross operating margin9900€121k€191k▲
Operating profit (loss)9901€30k€55k▲
Financial income75/76B€18€787▲
Recurring financial income75€18€787▲
Financial charges65/66B€17k€25k▲
Recurring financial charges65€17k€25k▲
Profit (loss) for the period before taxes9903€13k€31k▲
Income taxes67/77€903€15k▲
Profit (loss) for the period9904€12k€16k▲
Profit (loss) for the period to be appropriated9905€12k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€71k€41k▼
Profit (loss) brought forward from the previous period14P€59k€24k▼
Profit to be distributed694/7€47k€53k▲
Return on contributions (dividend)694€47k€53k▲
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
01-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
31-12
Financial
Highest result since 2019net €54k ▲685%
Operating result €73k, net result €54k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Liège · 1 establishment unit since 2022
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 de l'Indépendance 554020 LiègeGround area
1.1 ha
Parcel 62113B0782/00W002, Wallonia. Linked by address, not a title deed.
1 establishment unit
PERGO HOME
since 20222.336.053.275
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62113B0782/00W002 | Wallonia | 1.1 ha | - | - |
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 7,042 companies in sector 43221 we hold annual accounts for 3,471. 1,563 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-09-2018
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43320Joinery installation
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43240Other construction installation
43291Specialised construction activities
43299Specialised construction activities
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@pergo-home.be