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PERNEEL

Active
Private limited companyfounded 1989active for 37 yearsMeiboomstraat(ONK) 12, 8840 Staden, BelgiumKBO/BCE: BE 0438.203.240
Summary

PERNEEL has been active since 1989 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.1m and a net result of €222,874. Equity has been growing by about 25% per year since 2019. Its solvency ranks better than 81% of 9,848 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 24-08-1989 Normal situation
Activity
Wholesale of fruit and vegetables, excluding potatoes NACE 46319
Establishment unit
2.044.901.144 8840 Staden, since 13-11-2001
Financial year end
30 June
Peppol
Reachable

Board and ownership

Board
  • Perneel Michiel CharlesDirector · since 10-03-2020

Financial position

97 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts to 30-06-2025
Gross margin
€329,050
▲ 2.8%
Turnover
≈ €2.0m
estimated
Profit
€222,874
▲ 0.7%
Equity
€1.1m
▲ 23.3%
Total assets
€1.5m
▲ 48.1%
Score breakdownlowers riskFounded in 1989Size: total assets €1.5mEquity €1.1m (76.3% of total assets)Liquidity: current ratio 3.82, cash €170,543Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 78% of micro companies in wholesale trade (NACE 46)
Financial strength · tick: 2024
Strong
Solvency 100=
equity 76.3% of total assets
Liquidity 56+1
short-term debt 23.5% · cash 11.6%
Profitability 88-8
return on assets 15.1%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,900 companies, NACE 46, micro)
Last 24 months 12-2024: 0.1% 01-2025: 0.2%▲ +0.1 percentage points vs 12-2024 02-2025: < 0.1%▼ -0.2 percentage points vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: 0.1%▲ +0.1 percentage points vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.2%▲ +0.1 percentage points vs 01-2026highest value 03-2026: < 0.1%▼ -0.2 percentage points vs 02-2026lowest value 04-2026: < 0.1%● unchanged vs 03-2026lowest value 05-2026: < 0.1%● unchanged vs 04-2026lowest value 06-2026: < 0.1%● unchanged vs 05-2026lowest value 07-2026: < 0.1%● unchanged vs 06-2026lowest value 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €100,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.82 (10.52 in 2024), above the usual 1.5. Short-term debt is 23.5% and cash 11.6% of total assets. 23.7% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 90% of them on solvency, 62% on liquidity, 82% on profitability and 78% on growth.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskneutral
lowers risk · Founded in 1989
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Size: total assets €1.5m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Equity €1.1m (76.3% of total assets)
NBB · annual accounts
lowers risk · Liquidity: current ratio 3.82, cash €170,543
NBB · annual accounts
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 filings
Deviation from the deadline
2025
2 days early
2024
2 days early
2023
27 days early
2022
5 days early
2021
7 days early
2020
3 days early
2019
8 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 8 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 26 January (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end04-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher net result than 84% of companies in wholesale tradesector median €26,853 · 9,827 companies €222,874 View
  • Positive: Filed on time since financial year 2019accounts within the deadline every year 7 years View
  • Positive: 7 profitable years in a rowprofit 2025: €222,874 7 years View

Recent changes

  1. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as PERNEEL: wholesale of fruit and vegetables, excluding potatoes (NACE 46319). They are comparable in size and age: total assets between €1.1m and €3m, founded between 1983 and 2003.

CompanyTotal assetsGross margin
PERNEEL Staden€1.5m€0.3m
HANNO FRUIT Sint-Truiden€1.2m€0.3m
MD FRUITS PRIMEURS STOCMAN-PANIER Tournai€2.1m€0.6m
VERHAERT Sint-Gillis-Waas€1.1m€0.2m
VAKO-FRUITS Tongeren-Borgloon€2.0m€0.3m
Import-Export Coosemans Kampenhout€2.7m€0.2m
INPAK 3000 Sint-Katelijne-Waver€3.0m€0.1m
Full comparison

Key facts about PERNEEL

What is the company number of PERNEEL?
The company number of PERNEEL is 0438.203.240. The VAT number is the same number with BE in front: BE 0438.203.240.
Where is PERNEEL based?
The registered office is at Meiboomstraat(ONK) 12, 8840 Staden.Company details
What does PERNEEL do?
According to the KBO register, the main activity is wholesale of fruit and vegetables, excluding potatoes (NACE 46319).
What is the legal form of PERNEEL?
The legal form of PERNEEL is Private limited company (BV).
When was PERNEEL founded?
PERNEEL was founded on 24-08-1989.
Is PERNEEL still active?
Yes, PERNEEL is an active enterprise in the KBO register.
What is the turnover of PERNEEL?
The turnover in financial year 2025 is ≈ €2.0m. This figure is estimated from the gross margin of €329,050 and 30 comparable companies (NACE 463). It probably lies between €1.5m and €3.7m.Financials
Is PERNEEL profitable?
In financial year 2025, PERNEEL made a profit of €222,874.
Where can I find the annual accounts of PERNEEL?
PERNEEL filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of PERNEEL due?
PERNEEL must file the annual accounts for financial year 2026 by 31-01-2027.Timeline

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