Philippe PONDANT
ActiveSummary
Philippe PONDANT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €96k and a net result of €-9k. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 45% of 1470 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
62
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability22▼-33
Solvency75▲+6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.82 against 1.61 in 2023; short-term debt: 50.2% and cash: 17.8% of total assets), but 50.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 75
Relative position
BE, all sectors
reference
Sector 75
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
49.8%
Return on assets
-4.9%
Age of the figures
21 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 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
not confirmed
2024
31 d late
2023
104 d late
2022
61 d late
2021
58 d late
2020
31 d late
2019
105 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-9k
2023 · €6k
2018: €3k
2019: €14k
2020: €7k
2021: €4k
2022: €12k
2023: €6k
2018 → 2024
Working capital
€79k▼ 0.8%
2023 · €80k
2018: €140k
2019: €156k
2020: €171k
2021: €175k
2022: €156k
2023: €80k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€99k-€102k▲ 2.8%€100k▼ 1.6%€105k▲ 5.5%€96k▼ 8.9%
Operating result€14k-€11k▼ 23.3%€22k▲ 113%€16k▼ 29.7%€-2k
Net result€7k-€4k▼ 45.2%€12k▲ 232%€6k▼ 47.3%€-9k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €2k after €16k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €193k
Fixed assets
€16k ▼ 37.9%
Current assets
€176k ▼ 16.4%
Equity and liabilities €193k
Equity
€96k ▼ 8.9%
Debt
€97k ▼ 26.7%
Debt's share of the balance-sheet total falls from 55.6% to 50.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€8k▼
2023 · €26k
Cash flow
€651▼
2023 · €16k
Current ratio
1.82▲
2023 · 1.61
Quick ratio
1.73▲
2023 · 1.52
Debt to equity
1.01▼
2023 · 1.25
ROE
-9.8%▼
2023 · 5.9%
ROA
-4.9%▼
2023 · 2.6%
Interest coverage
1.10▼
2023 · 3.92
Debt ≤ 1 year
€97k▼
2023 · €131k
Income taxes
€128▼
2023 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€237k€193k▼
Fixed assets21/28€27k€16k▼
Tangible fixed assets22/27€27k€16k▼
Furniture and vehicles24€27k€16k▼
Current assets29/58€211k€176k▼
Stocks and contracts in progress3€12k€9k▼
Stocks30/36€12k€9k▼
Amounts receivable within one year40/41€162k€133k▼
Trade receivables40€155k€123k▼
Other amounts receivable41€7k€10k▲
Cash at bank and in hand54/58€35k€34k▼
Deferred charges and accrued income490/1€2k€280▼
Equity and liabilities
Total equity and liabilities10/49€237k€193k▼
Equity10/15€105k€96k▼
Contributions10/11€21k€21k=
Reserves13€63k€63k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€61k€61k=
Profit (loss) carried forward14€22k€12k▼
Amounts payable17/49€132k€97k▼
Amounts payable after more than one year17€1k-
Financial debts170/4€1k-
Amounts payable within one year42/48€131k€97k▼
Current portion of amounts payable after more than one year42€8k€1k▼
Trade debts44€23k€3k▼
Suppliers440/4€23k€3k▼
Taxes, remuneration and social security45€7k€3k▼
Taxes450/3€7k€3k▼
Other amounts payable47/48€93k€89k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€11k
Other operating charges640/8€1k€1k▼
Gross operating margin9900€27k€21k▼
Operating profit (loss)9901€16k€-2k▼
Financial charges65/66B€7k€8k▲
Recurring financial charges65€7k€8k▲
Profit (loss) for the period before taxes9903€9k€-9k▼
Income taxes67/77€3k€128▼
Profit (loss) for the period9904€6k€-9k▼
Profit (loss) for the period to be appropriated9905€6k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€12k▼
Profit (loss) brought forward from the previous period14P€21k€22k▲
Transfer to equity691/2€5k-
To other reserves6921€5k-
Profit to be distributed694/7€800-
Return on contributions (dividend)694€800-
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-9k ▼250%
Net result drops to €-9k, the lowest in the series.
12-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 104 days late
2023
31-12
Financial
Equity above €100kEq €105k ▲5.5%
6 profitable years in a row build equity to €105k.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
31-12
Financial
Equity above €100kEq €102k ▲2.8%
4 profitable years in a row build equity to €102k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
13-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 105 days late
2019
31-12
Financial
Highest result since 2018net €14k ▲350%
Operating result €24k, net result €14k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 57 days late
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 59 days late
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, Vielsalm · 1 establishment unit since 2007
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.
Hébronval 596690 VielsalmGround area
1,998 m²
Building footprint
141 m²
Parcel 82006B0178/00H004, Wallonia. Linked by address, not a title deed.
1 establishment unit
Pondant Philippe
since 20072.229.794.032
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82006B0178/00H004 | Wallonia | 1,998 m² | 1 · 141 m² | - |
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 6,078 companies in sector 75000 we hold annual accounts for 1,950. 1,725 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-04-2007
Fiscal year end31-12
Activities, NACEBEL 2025
75000Veterinary services
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:080418528