Petcu

Active

Private limited companyfounded 20206 yrs activeRue du Bois Là-Haut 10, 7000 Mons, BelgiumKBO/BCE: BE 0743.973.172

The computed 12-month bankruptcy probability of Petcu is 2.3% (moderate). The 2025 annual accounts show equity of €251k and a net result of €101k. Equity remains stable across the filed fiscal years (±0.2% per year). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

78 / 100

Excellent▲ +12 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency46▼-5

Growth52▼-26

Stability100

Bankruptcy probability, 12 months

2.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €20k at 30 days acceptable

Liquidity tight (current ratio 1.01 against 0.91 in 2024), and 70.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

No NACE activity registered

No NACE activity is registered in the KBO, which is more common among companies that later fail.

KBO · activities

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

29.3%

Return on assets

11.7%

Age of the figures

8 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

1 d early

2024

56 d late

2023

69 d late

2022

17 d early

2021

47 d early

2020

27 d late

← before the deadline after the deadline →

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 months

Position in the running window

12-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€251k▲ 0.2%

2024 · €251k

2020: €157k 2021: €251k 2022: €346k 2023: €266k 2024: €251k

2020 → 2025

Total assets

€858k▲ 15.2%

2024 · €744k

2020: €390k 2021: €340k 2022: €791k 2023: €776k 2024: €744k

2020 → 2025

Net result

€101k▼ 36.6%

2024 · €159k

2020: €137k 2021: €93k 2022: €95k 2023: €125k 2024: €159k

2020 → 2025

Working capital

€2k

2024 · €-20k

2020: €-61k 2021: €60k 2022: €121k 2023: €-20k 2024: €-20k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€251k-€346k▲ 38.0%€266k▼ 23.1%€251k▼ 5.8%€251k▲ 0.2%

Operating result€140k-€128k▼ 8.4%€172k▲ 33.7%€217k▲ 26.5%€139k▼ 35.8%

Net result€93k-€95k▲ 2.1%€125k▲ 31.6%€159k▲ 26.5%€101k▼ 36.6%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 36% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €858k

81.9%

18.1%

Fixed assets €703k▲ 31.6%

Current assets €155k▼ 26.3%

Equity and liabilities €858k

29.3%

70.7%

Equity €251k▲ 0.2%

Debt €607k▲ 22.9%

The debt ratio rises from 66.3% to 70.7%: debt grows faster than equity.

Key figures and ratios

2025 value · change against 2024

EBITDA

€246k▼

2024 · €294k

Cash flow

€208k▼

2024 · €235k

Solvency

29.3%▼

2024 · 33.7%

Current ratio

1.01▲

2024 · 0.91

Quick ratio

1.01▲

2024 · 0.91

Debt / equity

2.42▲

2024 · 1.97

ROE

40.0%▼

2024 · 63.3%

ROA

11.7%▼

2024 · 21.3%

Interest coverage

30.39▼

2024 · 32.56

Debt

€607k▲

2024 · €494k

Debt ≤ 1 year

€153k▼

2024 · €230k

Debt > 1 year

€451k▲

2024 · €261k

Income taxes

€31k▼

2024 · €50k

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€744k€858k▲

Fixed assets21/28€534k€703k▲

Intangible fixed assets21€50k€21k▼

Tangible fixed assets22/27€484k€681k▲

Land and buildings22€31k€68k▲

Furniture and vehicles24€81k€51k▼

Other tangible fixed assets26€372k€562k▲

Financial fixed assets28€149€149=

Current assets29/58€210k€155k▼

Amounts receivable within one year40/41€41k€9k▼

Trade receivables40€1k-

Other amounts receivable41€40k€9k▼

Cash at bank and in hand54/58€129k€119k▼

Deferred charges and accrued income490/1€40k€27k▼

Equity and liabilities

Total equity and liabilities10/49€744k€858k▲

Equity10/15€251k€251k▲

Contributions10/11€20k€20k=

Reserves13€231k€231k=

Distributable reserves133€231k€231k=

Profit (loss) carried forward14-€521

Amounts payable17/49€494k€607k▲

Amounts payable after more than one year17€261k€451k▲

Financial debts170/4€261k€451k▲

Amounts payable within one year42/48€230k€153k▼

Current portion of amounts payable after more than one year42€54k€55k▲

Trade debts44€2k€2k▼

Suppliers440/4€2k€2k▼

Taxes, remuneration and social security45€199€15k▲

Taxes450/3€199€15k▲

Other amounts payable47/48€174k€81k▼

Accrued charges and deferred income492/3€3k€3k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€77k€107k▲

Other operating charges640/8€2k€3k▲

Gross operating margin9900€296k€249k▼

Operating profit (loss)9901€217k€139k▼

Financial income75/76B€773€89▼

Recurring financial income75€773€89▼

Financial charges65/66B€9k€8k▼

Recurring financial charges65€9k€8k▼

Profit (loss) for the period before taxes9903€209k€131k▼

Income taxes67/77€50k€31k▼

Profit (loss) for the period9904€159k€101k▼

Profit (loss) for the period to be appropriated9905€159k€101k▼

Appropriation of the result

Profit (loss) to be appropriated9906€174k€101k▼

Profit (loss) brought forward from the previous period14P€15k-

Profit to be distributed694/7€174k€100k▼

Return on contributions (dividend)694€174k€100k▼

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 10Financial 4Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

30-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

25-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 56 days late

2024

31-12

Financial Highest result since 2020net €159k ▲26.5%

Operating result €217k, net result €159k, both a record.

08-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 69 days late

2023

14-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

14-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Weakest financial yearnet €93k ▼32%

Net result drops to €93k, the lowest in the series; recovery starts the following year.

31-12

Financial Liquidity doublescurrent ratio 1.74

Current ratio from 0.72 to 1.74; short-term debt falls from €221k to €82k.

31-12

Financial Equity above €200kEq €251k ▲59.4%

2 profitable years in a row build equity to €251k.

27-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 27 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, Mons · 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.

Rue du Bois Là-Haut 107000 Mons

Ground area

1,247 m²

Building footprint

215 m²

Volume, LiDAR

1,205 m³

Parcel 53405C0247/00Z003, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Rue du Bois Là-Haut 10, 7000 Mons

Specialist medical practice

since 20202.299.831.297

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
53405C0247/00Z003	Wallonia	1,247 m²	1 · 215 m²	8.4 m · 2 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.

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded21-02-2020

Fiscal year end31-12

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.