PERNEEL
ActivePERNEEL has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.13M and a net result of €223k. Equity is growing by ~24.8% per year across the filed fiscal years. Its solvency ranks better than 81% of 7955 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-8
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 3.82 against 10.52 in 2024; short-term debt: 23.5% and cash: 11.6% of total assets), and 23.7% 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 · 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
76.3%
Return on assets
15.1%
Age of the figures
15 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
2 d early
2023
27 d early
2022
5 d early
2021
7 d early
2020
3 d early
2019
8 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.13M▲ 23.3%
2024 · €914k
2019: €479k
2020: €334k
2021: €465k
2022: €581k
2023: €710k
2024: €914k
2019 → 2025
Total assets
€1.48M▲ 48.1%
2024 · €997k
2019: €1.26M
2020: €889k
2021: €1.25M
2022: €970k
2023: €1.27M
2024: €997k
2019 → 2025
Net result
€223k▲ 0.7%
2024 · €221k
2019: €10k
2020: €125k
2021: €131k
2022: €116k
2023: €142k
2024: €221k
2019 → 2025
Working capital
€977k▲ 28.3%
2024 · €761k
2019: €316k
2020: €173k
2021: €306k
2022: €424k
2023: €556k
2024: €761k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€465k-€581k▲ 24.9%€710k▲ 22.3%€914k▲ 28.6%€1.13M▲ 23.3%
Operating result€193k-€170k▼ 12.2%€212k▲ 24.8%€316k▲ 49.4%€325k▲ 2.8%
Net result€131k-€116k▼ 11.7%€142k▲ 22.3%€221k▲ 56.2%€223k▲ 0.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.48M
Fixed assets
€153k▼ 1.4%
Current assets
€1.32M▲ 57.2%
Equity and liabilities €1.48M
Equity
€1.13M▲ 23.3%
Provisions
€3k=
Debt
€347k▲ 333%
The debt ratio rises from 8.0% to 23.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€327k▲
2024 · €318k
Cash flow
€225k▲
2024 · €223k
Solvency
76.3%▼
2024 · 91.6%
Current ratio
3.82▼
2024 · 10.52
Quick ratio
3.57▼
2024 · 9.05
Debt / equity
0.31▲
2024 · 0.09
ROE
19.8%▼
2024 · 24.2%
ROA
15.1%▼
2024 · 22.2%
Interest coverage
1036.79▼
2024 · 2185.26
Debt
€347k▲
2024 · €80k
Debt ≤ 1 year
€346k▲
2024 · €80k
Income taxes
€105k▼
2024 · €107k
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€997k€1.48M▲
Fixed assets21/28€155k€153k▼
Tangible fixed assets22/27€155k€153k▼
Land and buildings22€155k€153k▼
Current assets29/58€841k€1.32M▲
Stocks and contracts in progress3€117k€88k▼
Stocks30/36€117k€88k▼
Amounts receivable within one year40/41€610k€992k▲
Trade receivables40€589k€992k▲
Other amounts receivable41€21k€117▼
Current investments50/53€72k€72k=
Cash at bank and in hand54/58€41k€171k▲
Deferred charges and accrued income490/1€736€772▲
Equity and liabilities
Total equity and liabilities10/49€997k€1.48M▲
Equity10/15€914k€1.13M▲
Reserves13€914k€1.13M▲
Distributable reserves133€914k€1.13M▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€3k€3k=
Provisions for liabilities and charges160/5€3k€3k=
Environmental obligations163€0-
Other liabilities and charges164/5€3k€3k=
Amounts payable17/49€80k€347k▲
Amounts payable within one year42/48€80k€346k▲
Trade debts44€32k€260k▲
Suppliers440/4€32k€260k▲
Advances received on contracts in progress46-€46k
Taxes, remuneration and social security45€48k€32k▼
Taxes450/3€48k€32k▼
Other amounts payable47/48€0€8k▲
Accrued charges and deferred income492/3-€262
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€2k€2k▼
Gross operating margin9900€320k€329k▲
Operating profit (loss)9901€316k€325k▲
Financial income75/76B€12k€3k▼
Recurring financial income75€12k€3k▼
Financial charges65/66B€146€316▲
Recurring financial charges65€146€316▲
Profit (loss) for the period before taxes9903€328k€328k▲
Income taxes67/77€107k€105k▼
Profit (loss) for the period9904€221k€223k▲
Profit (loss) for the period to be appropriated9905€221k€223k▲
Appropriation of the result
Profit (loss) to be appropriated9906€221k€223k▲
Transfer from equity791/2€18k€10k▼
Transfer to equity691/2€221k€223k▲
To other reserves6921€221k€223k▲
Profit to be distributed694/7€18k€10k▼
Return on contributions (dividend)694€18k€10k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (7 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2019net €223k ▲0.7%
Operating result €325k, net result €223k, both a record.
30-06
Financial
Equity above €1MEq €1.13M ▲23.3%
7 profitable years in a row build equity to €1.13M.
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Liquidity times 5current ratio 10.52
Current ratio from 2.00 to 10.52; short-term debt falls from €555k to €80k.
04-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Equity above €500kEq €581k ▲24.9%
4 profitable years in a row build equity to €581k.
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
23-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 1 day late
2018
27-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
02-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Staden · 1 establishment unit since 2001
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.
Meiboomstraat(ONK) 128840 StadenGround area
4,328 m²
Building footprint
278 m²
Volume, LiDAR
1,179 m³
Parcel 36014A0586/00A000, Flanders · tallest building 9.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PERNEEL BVBA
since 20012.044.901.144
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36014A0586/00A000 | Flanders | 4,328 m² | 1 · 278 m² | 9.7 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteStaden2.044.901.144
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Of 956 companies in sector 46319 we hold annual accounts for 609. 405 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-08-1989
Fiscal year end30-06
Activities, NACEBEL
46319Wholesale of fruit and vegetables, excluding potatoes
51310
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:+32(474)865907