PILOTO

Active

Private limited companyfounded 20214 yrs activeHovelingen(HEU) 10, 9070 Destelbergen, BelgiumKBO/BCE: BE 0775.978.224

PILOTO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €44k and a net result of €47k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 33% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2024

79 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency63▼-37

Growth42▼-10

Track record94

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity ample (current ratio 1.54 against 6.51 in 2023; short-term debt: 60.7% and cash: 75% of total assets), but 62.2% 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

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

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← fewer bankruptcies more bankruptcies →

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: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

37.8%

Return on assets

40.5%

Age of the figures

21 mo

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-07-2025, 6 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

6 d early

2023

30 d late

2022

31 d late

← before the deadline after the 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 2024, micro schema

Equity

€44k▼ 54.7%

2023 · €97k

2022: €44k 2023: €97k

2022 → 2024

Total assets

€117k▲ 1.4%

2023 · €115k

2022: €78k 2023: €115k

2022 → 2024

Net result

€47k▼ 11.4%

2023 · €53k

2022: €56k 2023: €53k

2022 → 2024

Working capital

€38k▼ 56.0%

2023 · €87k

2022: €35k 2023: €87k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€44k-€97k▲ 121%€44k▼ 54.7%

Operating result€78k-€67k▼ 13.1%€60k▼ 10.6%

Net result€56k-€53k▼ 4.8%€47k▼ 11.4%

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

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2024 is 11% below 2023 and is the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €117k

93.7%

Fixed assets €7k▼ 37.5%

Current assets €109k▲ 5.9%

Equity and liabilities €117k

37.8%

62.2%

Equity €44k▼ 54.7%

Debt €72k▲ 313%

The debt ratio rises from 15.3% to 62.2%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€65k▼

2023 · €71k

Cash flow

€52k▼

2023 · €57k

Solvency

37.8%▼

2023 · 84.7%

Current ratio

1.54▼

2023 · 6.51

Quick ratio

1.54▼

2023 · 6.51

Debt / equity

1.64▲

2023 · 0.18

ROE

107.1%▲

2023 · 54.7%

ROA

40.5%▼

2023 · 46.4%

Interest coverage

376.67▲

2023 · 344.67

Debt

€72k▲

2023 · €18k

Debt ≤ 1 year

€71k▲

2023 · €16k

Income taxes

€14k▼

2023 · €14k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€115k€117k▲

Fixed assets21/28€12k€7k▼

Tangible fixed assets22/27€12k€7k▼

Land and buildings22€1k€1k▼

Plant, machinery and equipment23€3k€2k▼

Furniture and vehicles24€8k€5k▼

Current assets29/58€103k€109k▲

Amounts receivable within one year40/41€30k€19k▼

Trade receivables40€16k€19k▲

Other amounts receivable41€14k-

Cash at bank and in hand54/58€68k€87k▲

Deferred charges and accrued income490/1€5k€3k▼

Equity and liabilities

Total equity and liabilities10/49€115k€117k▲

Equity10/15€97k€44k▼

Contributions10/11€120€120=

Reserves13€97k€44k▼

Distributable reserves133€97k€44k▼

Amounts payable17/49€18k€72k▲

Amounts payable within one year42/48€16k€71k▲

Trade debts44€3k€2k▼

Suppliers440/4€3k€2k▼

Taxes, remuneration and social security45€12k€8k▼

Taxes450/3€12k€8k▼

Other amounts payable47/48-€60k

Accrued charges and deferred income492/3€2k€2k▼

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲

Other operating charges640/8€1k€601▼

Gross operating margin9900€72k€65k▼

Operating profit (loss)9901€67k€60k▼

Financial income75/76B€579€834▲

Recurring financial income75€579€834▲

Financial charges65/66B€206€172▼

Recurring financial charges65€206€172▼

Profit (loss) for the period before taxes9903€68k€61k▼

Income taxes67/77€14k€14k▼

Profit (loss) for the period9904€53k€47k▼

Profit (loss) for the period to be appropriated9905€53k€47k▼

Appropriation of the result

Profit (loss) to be appropriated9906€53k€47k▼

Transfer from equity791/2-€53k

Transfer to equity691/2€53k-

To other reserves6921€53k-

Profit to be distributed694/7-€100k

Return on contributions (dividend)694-€100k

The notes to these accounts (6 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 5Financial 2Filings 3

2025

25-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €47k ▼11.4%

Net result drops to €47k, the lowest in the series.

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

31-12

Financial Liquidity triplescurrent ratio 6.51

Current ratio from 2.09 to 6.51; short-term debt falls from €32k to €16k.

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Destelbergen · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Hovelingen(HEU) 109070 Destelbergen

Ground area

9,107 m²

Building footprint

116 m²

Volume, LiDAR

717 m³

Parcel 44028A0701/00N000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Piloto

Hovelingen(HEU) 10, 9070 DestelbergenActivities of head offices; management consultancy activities

since 20212.323.339.545

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44028A0701/00N000	Flanders	9,107 m²	1 · 116 m²	9.1 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.

Public money · subsidies and aid

Flemish government

2022 to 2023 · 2 entries · 1,650 EUR awarded · 1,650 EUR paid

Year	Entries	awarded	paid
2023	1	270 EUR	270 EUR
2022	1	1,380 EUR	1,380 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

2 entries · 1,650 EUR · 1,650 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Merelbeke-Melle · Eq €44k

Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 37,380 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded20-10-2021

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

70210Activities of head offices; management consultancy activities

73300Public relations and communication consultancy

74201Photography, excluding press photography

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.