PIPS
ActiveSummary
PIPS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€80,468) and a net result of -€439. Equity remains stable across the filed fiscal years (±0.7% per year). Its net result ranks better than 17% of 2460 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 10-12-2025, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
50 d early
2023
43 d early
2022
82 d early
2021
60 d early
2020
3 d early
2019
11 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 43 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#5 oldest company in Zonhoven, Finance and insurance sector
Equity
-€80,468▼ 0.5%
2024 · -€80,028
Net result
-€439▲ 74.9%
2024 · -€1,747
Total assets
€0▼ 100%
2024 · €1
Solvency
-8002821.0%▼ 174749.0pp
2023 · -7828072.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€464€615-€1,481-€119▲ 92.0%
Net result-€258below the sector's middle half▲ 22.8%-€770below the sector's middle half▼ 198%€328below the sector's middle half-€1,747below the sector's middle half-€439below the sector's middle half▲ 74.9%
Equity-€77,839below the sector's middle half▼ 0.3%-€78,609below the sector's middle half▼ 1.0%-€78,281below the sector's middle half▲ 0.4%-€80,028below the sector's middle half▼ 2.2%-€80,468below the sector's middle half▼ 0.5%
Total assets€1below the sector's middle half€1below the sector's middle half=€1below the sector's middle half=€1below the sector's middle half=€0below the sector's middle half▼ 100%
Debt€77,840▲ 0.3%€78,610▲ 1.0%€78,282▼ 0.4%€80,029▲ 2.2%€80,468▲ 0.5%
Working capital-€69,652-€78,608▼ 12.9%-€78,280▲ 0.4%-€80,027▼ 2.2%
Solvency-7783900.0%below the sector's middle half-7860889.0%below the sector's middle half▼ 76989.0pp-7828072.0%below the sector's middle half▲ 32817.0pp-8002821.0%below the sector's middle half▼ 174749.0pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €119 in 2025 against €1,481 in 2024; the loss shrinks.
Key figures and ratios
Debt ≤ 1 year
€80,468▲
2024 · €80,028
Ratios withheld: a balance sheet total of €0 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | €410 | €445 | €452 | €855 | ▲ 89.0% |
| Gross operating margin9900 | - | -€55 | €1,060 | -€1,029 | €736 | ▲ 172% |
| Operating profit (loss)9901 | - | -€464 | €615 | -€1,481 | -€119 | ▲ 92.0% |
| Financial charges65/66B | - | €305 | €287 | €267 | €320 | ▲ 20.1% |
| Recurring financial charges65 | €258 | €305 | €287 | €267 | €320 | ▲ 20.1% |
| Profit (loss) for the period before taxes9903 | -€258 | -€770 | €328 | -€1,747 | -€439 | ▲ 74.9% |
| Profit (loss) for the period9904 | -€258 | -€770 | €328 | -€1,747 | -€439 | ▲ 74.9% |
| Profit (loss) for the period to be appropriated9905 | -€258 | -€770 | €328 | -€1,747 | -€439 | ▲ 74.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1 | €1 | €1 | €1 | €0 | ▼ 100% |
| Fixed assets21/28 | - | - | - | - | €0 | - |
| Intangible fixed assets21 | - | - | - | - | €0 | - |
| Current assets29/58 | €1 | €1 | €1 | €1 | - | - |
| Deferred charges and accrued income490/1 | - | €1 | €1 | €1 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1 | €1 | €1 | €1 | €0 | ▼ 100% |
| Equity10/15 | -€77,839 | -€78,609 | -€78,281 | -€80,028 | -€80,468 | ▼ 0.5% |
| Contributions10/11 | - | €19,000 | €19,000 | €19,000 | €19,000 | = |
| Reserves13 | €18,074 | €18,074 | €18,074 | €18,074 | €18,074 | = |
| Non-distributable reserves130/1 | - | €620 | - | - | - | - |
| Reserves not available under the articles1311 | - | €620 | - | - | - | - |
| Distributable reserves133 | - | €17,454 | €18,074 | €18,074 | €18,074 | = |
| Profit (loss) carried forward14 | -€114,913 | -€115,683 | -€115,355 | -€117,102 | -€117,542 | ▼ 0.4% |
| Amounts payable17/49 | €77,840 | €78,610 | €78,282 | €80,029 | €80,468 | ▲ 0.5% |
| Amounts payable after more than one year17 | €8,186 | - | - | - | - | - |
| Amounts payable within one year42/48 | €69,653 | €78,609 | €78,281 | €80,028 | €80,468 | ▲ 0.5% |
| Financial debts43 | - | €3,665 | €2,990 | €2,532 | €4,317 | ▲ 70.5% |
| Credit institutions430/8 | - | €3,665 | €2,990 | €2,532 | €4,317 | ▲ 70.5% |
| Trade debts44 | - | - | - | - | €400 | - |
| Suppliers440/4 | - | - | - | - | €400 | - |
| Other amounts payable47/48 | - | €74,944 | €75,291 | €77,496 | €75,751 | ▼ 2.3% |
| Accrued charges and deferred income492/3 | - | €1 | €1 | €1 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€258 | -€770 | €328 | -€1,747 | -€439 | ▲ 74.9% |
| Operating cash flow (approximation) | -€258 | -€770 | €328 | -€1,747 | -€439 | ▲ 74.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
10-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Weakest financial yearnet -€1,747
Net result drops to -€1,747, the lowest in the series; recovery starts the following year.
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Back to profitnet €328
Net result €328 after 4 loss-making years.
2022
10-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
02-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
07-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Zonhoven · 1 establishment unit since 1997
Ground area
1,074 m²
Building footprint
125 m²
Volume, LiDAR
671 m³
Parcel 71442D0132/00D128, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Elstrekenweg 60, 3520 Zonhoven
since 19972.084.653.922
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71442D0132/00D128 | Flanders | 1,074 m² | 1 · 125 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 4,673 companies in sector 66220 we hold annual accounts for 3,222. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded01-10-1997
Fiscal year end30-06
Activities, NACEBEL 2025
66220Insurance agents and brokers
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Contact
Phone
011-52.32.61Zonhoven
Fax
011-52.32.61Zonhoven
E-invoicing
Reachable via Peppol
Peppol ID
0208:0461566085
Also
9925:BE0461566085
Registered
19-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.