PICO INTERIEUR
ActivePICO INTERIEUR has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €759k and a net result of €191k. Equity is growing by ~82.1% per year across the filed fiscal years. Its solvency ranks better than 69% of 621 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+7
Solvency100▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 4.02 against 2.16 in 2024), and 35.5% 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
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
64.5%
Return on assets
16.2%
Age of the figures
8 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
30 d early
2024
19 d late
2023
6 d late
2022
30 d late
2021
16 d early
2020
37 d early
2019
13 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€759k▲ 28.6%
2024 · €590k
2019: €4k
2020: €13k
2021: €43k
2022: €169k
2023: €481k
2024: €590k
2019 → 2025
Total assets
€1.18M▲ 19.7%
2024 · €984k
2019: €137k
2020: €359k
2021: €492k
2022: €786k
2023: €905k
2024: €984k
2019 → 2025
Net result
€191k▲ 74.9%
2024 · €109k
2019: €3k
2020: €9k
2021: €10k
2022: €126k
2023: €312k
2024: €109k
2019 → 2025
Working capital
€738k▲ 75.8%
2024 · €420k
2019: €41k
2020: €223k
2021: €226k
2022: €158k
2023: €430k
2024: €420k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€169k▲ 294%€481k▲ 184%€590k▲ 22.7%€759k▲ 28.6%
Operating result€11k-€176k▲ 1,503%€459k▲ 161%€150k▼ 67.4%€268k▲ 79.2%
Net result€10k-€126k▲ 1,151%€312k▲ 146%€109k▼ 64.9%€191k▲ 74.9%
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 79% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.18M
Fixed assets
€194k▼ 2.8%
Current assets
€983k▲ 25.5%
Equity and liabilities €1.18M
Equity
€759k▲ 28.6%
Debt
€418k▲ 6.4%
The debt ratio falls from 40.0% to 35.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€300k▲
2024 · €170k
Cash flow
€223k▲
2024 · €130k
Solvency
64.5%▲
2024 · 60.0%
Current ratio
4.02▲
2024 · 2.16
Quick ratio
3.33▲
2024 · 1.69
Debt / equity
0.55▼
2024 · 0.67
ROE
25.2%▲
2024 · 18.5%
ROA
16.2%▲
2024 · 11.1%
Interest coverage
27.06▲
2024 · 18.02
Debt
€418k▲
2024 · €393k
Debt ≤ 1 year
€244k▼
2024 · €363k
Income taxes
€82k▲
2024 · €50k
Staff costs
€494k▲
2024 · €334k
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€984k€1.18M▲
Fixed assets21/28€200k€194k▼
Intangible fixed assets21€11k€10k▼
Tangible fixed assets22/27€106k€101k▼
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€71k€61k▼
Other tangible fixed assets26€25k€34k▲
Financial fixed assets28€83k€83k=
Current assets29/58€783k€983k▲
Amounts receivable after more than one year29€3k€600▼
Other amounts receivable291€3k€600▼
Stocks and contracts in progress3€169k€168k▼
Stocks30/36€169k€168k▼
Amounts receivable within one year40/41€466k€392k▼
Trade receivables40€327k€188k▼
Other amounts receivable41€138k€204k▲
Current investments50/53-€6k
Cash at bank and in hand54/58€80k€400k▲
Deferred charges and accrued income490/1€66k€16k▼
Equity and liabilities
Total equity and liabilities10/49€984k€1.18M▲
Equity10/15€590k€759k▲
Contributions10/11€21k€21k=
Reserves13€570k€739k▲
Non-distributable reserves130/1€50€50=
Reserves not available under the articles1311€50€50=
Tax-exempt reserves132€282€282=
Distributable reserves133€569k€738k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€393k€418k▲
Amounts payable within one year42/48€363k€244k▼
Financial debts43€172k€0▼
Credit institutions430/8€172k€0▼
Trade debts44€164k€187k▲
Suppliers440/4€164k€187k▲
Taxes, remuneration and social security45€27k€58k▲
Taxes450/3€8k€25k▲
Remuneration and social security454/9€20k€33k▲
Other amounts payable47/48€338€0▼
Accrued charges and deferred income492/3€30k€174k▲
Income statement
Code20242025
Non-recurring operating income76A-€930
Remuneration, social security and pensions62€334k€494k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€32k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€2k€0▼
Gross operating margin9900€508k€797k▲
Operating profit (loss)9901€150k€268k▲
Financial income75/76B€20k€16k▼
Recurring financial income75€20k€16k▼
Financial charges65/66B€9k€11k▲
Recurring financial charges65€9k€11k▲
Profit (loss) for the period before taxes9903€160k€273k▲
Income taxes67/77€50k€82k▲
Profit (loss) for the period9904€109k€191k▲
Profit (loss) for the period to be appropriated9905€109k€191k▲
Appropriation of the result
Profit (loss) to be appropriated9906€109k€191k▲
Transfer to equity691/2€109k€191k▲
To other reserves6921€109k€191k▲
Shareholders' contribution to the loss794-€22k
Profit to be distributed694/7-€22k
Return on contributions (dividend)694-€22k
Social balance
Average headcount (FTE)90876.18.3▲
The notes to these accounts (17 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 19 days late
2024
31-12
Financial
Equity above €500kEq €590k ▲22.7%
6 profitable years in a row build equity to €590k.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 6 days late
2023
31-12
Financial
Highest result since 2019net €312k ▲146%
Operating result €459k, net result €312k, both a record.
31-12
Financial
Equity above €200kEq €481k ▲184%
5 profitable years in a row build equity to €481k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Equity above €150kEq €169k ▲294%
4 profitable years in a row build equity to €169k.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2020
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
03-07-2020
Resigned as Director
Location & real-estate footprint
Registered office, Schoten · 1 establishment unit since 2024
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.
Korte Braamstraat 372900 SchotenGround area
641 m²
Building footprint
641 m²
Volume, LiDAR
6,486 m³
Parcel 11040D0510/00M002, Flanders · tallest building 12.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Korte Braamstraat 37, 2900 Schoten
since 20242.362.881.002
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0510/00M002 | Flanders | 641 m² | 1 · 641 m² | 12.6 m · 4 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 13,526 EUR awarded · 13,564 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 8,500 EUR | 8,500 EUR |
| 2024 | 2 | 1,227 EUR | 1,227 EUR |
| 2023 | 1 | 2,001 EUR | 2,039 EUR |
| 2022 | 1 | 1,798 EUR | 1,798 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Premie kwalificerend werkplekleren
Recognitions · licences · registrations
Recognised contractor
11 categoriesPICO INTERIEUR BV40916
Dual-learning approval
3 live approvals · 2 endedAfwerking bouw duaal (so)
Medewerker ruwbouw (vwo)
Medewerker ruwbouw duaal (so)
Similar companies · same sector, comparable size
T.R.C.
BE 0472.190.357
Gent · Eq €759k
PISCINAT
BE 0865.851.692
Yvoir · Eq €759k
BATIMAXX
BE 0888.124.278
Brussel · Eq €759k
ADG Enterprises
BE 0846.513.654
Merelbeke-Melle · Eq €762k
TARABOSTES
BE 0744.395.519
Drogenbos · Eq €750k
Of 7,247 companies in sector 43350 we hold annual accounts for 2,333. 1,055 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-06-2018
Fiscal year end31-12
Activities, NACEBEL
43350Other building finishing work
74104Other professional, scientific and technical activities
74130Interior design
47551Retail sale of household furniture
47591Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.