Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of PineOmatic is 2.2% (moderate). The 2024 annual accounts show negative equity (€-203k) and a net result of €-3k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 5% of 59 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceSignals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
3 signalsAdministrative Flags
0 eventsFinancials
Annual accounts & ratios
Source: NBB · 2024How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -550.6% | 37.7% | |
| Net result | €-3k | €18k | |
| Equity | €-203k | €238k | |
| Gross operating margin | €21k | €138k | |
| Total assets | €37k | €674k |
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | €13k |
| Net profit | €-3k |
| Cash flow | €3k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €37k |
| Equity | €-203k |
| Debt | €240k |
| of which ≤ 1y | €240k |
| of which > 1y | - |
| Working capital | €-220k |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | 0.08 |
| Quick ratio | 0.08 |
| Working capital ratio | -595.4% |
| Solvency | -550.6% |
| Debt / equity | -1.18 |
| Long-term debt ratio | - |
| Interest coverage | 1.27 |
| Gross margin | - |
| Net margin | - |
| ROA | -9.0% |
| ROE | 1.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €37k |
| Fixed assets | 21/28 | €17k |
| Intangible fixed assets | 21 | €17k |
| Tangible fixed assets | 22/27 | €26 |
| Current assets | 29/58 | €20k |
| Amounts receivable within one year | 40/41 | €14k |
| Cash & bank | 54/58 | €6k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €37k |
| Equity | 10/15 | €-203k |
| Contributions / capital | 10/11 | €100k |
| Accumulated profits (losses) | 14 | €-303k |
| Amounts payable | 17/49 | €240k |
| Amounts payable within one year | 42/48 | €240k |
| Trade debts payable within one year | 44 | €46k |
| Income statement | ||
| Gross operating margin | 9900 | €21k |
| Operating result | 9901 | €7k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €10k |
| Result before taxes | 9903 | €-3k |
| Net result for the period | 9904 | €-3k |
| Result to be appropriated | 9905 | €-3k |
Health barometer
FY 2024 · computedUnlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Structure & network
Locations & real estate
Establishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31026B0330/00E000 | Flanders | 6.9 ha | 1 · 8,164 m² | 30.6 m · 4 fl. |
Analysis
Snowflake analysis
financial profile on 5 axesFragile profile, watch health in particular.
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Credit advice
verdict per customer and amountSimilar
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Company registry (CBE)
Crossroads Bank| Legal nameFR | PineOmatic |