PNC
ActiveThe computed 12-month bankruptcy probability of PNC is 1.6% (moderate). The 2025 annual accounts show equity of €95k and a net result of €50k. Equity is growing by ~37.5% per year across the filed fiscal years. Its solvency ranks better than 22% of 4147 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-9
Solvency37▼-52
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 12.21 in 2024; short-term debt: 58.2% and cash: 56.4% of total assets), but 88.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
11.9%
Return on assets
6.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 4147 sector peers (2025).
NBB · sector comparisonPosition among 4147 sector peers
Solvency
better than 22%
← weakest
strongest →
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 20-01-2026, 192 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
192 d early
2024
121 d early
2023
35 d early
2022
22 d late
2021
4 d early
2020
38 d early
2019
32 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€50k▼ 38.2%
2024 · €81k
2019: €27k
2020: €77k
2021: €95k
2022: €82k
2023: €83k
2024: €81k
2019 → 2025
Working capital
€327k▼ 49.6%
2024 · €649k
2019: €47k
2020: €124k
2021: €219k
2022: €286k
2023: €350k
2024: €649k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€219k-€301k▲ 37.4%€384k▲ 27.7%€465k▲ 21.1%€95k▼ 79.6%
Operating result€119k-€102k▼ 13.7%€111k▲ 8.8%€111k▼ 0.3%€89k▼ 19.9%
Net result€95k-€82k▼ 13.3%€83k▲ 1.5%€81k▼ 2.9%€50k▼ 38.2%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 20% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €796k
Fixed assets
€6k▼ 68.1%
Current assets
€790k▲ 11.7%
Equity and liabilities €796k
Equity
€95k▼ 79.6%
Debt
€701k▲ 169%
The debt ratio rises from 35.9% to 88.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€104k▼
2024 · €132k
Cash flow
€65k▼
2024 · €102k
Solvency
11.9%▼
2024 · 64.1%
Current ratio
1.71▼
2024 · 12.21
Quick ratio
1.02▼
2024 · 7.00
Debt / equity
7.41▲
2024 · 0.56
ROE
52.8%▲
2024 · 17.4%
ROA
6.3%▼
2024 · 11.1%
Interest coverage
5.71▼
2024 · 44.55
Debt
€701k▲
2024 · €261k
Debt ≤ 1 year
€463k▲
2024 · €58k
Debt > 1 year
€220k▲
2024 · €200k
Income taxes
€24k▼
2024 · €27k
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€725k€796k▲
Fixed assets21/28€19k€6k▼
Tangible fixed assets22/27€19k€6k▼
Furniture and vehicles24€19k€6k▼
Current assets29/58€707k€790k▲
Stocks and contracts in progress3€302k€319k▲
Stocks30/36€302k€319k▲
Amounts receivable within one year40/41€91k€17k▼
Trade receivables40€26k€14k▼
Other amounts receivable41€65k€3k▼
Cash at bank and in hand54/58€313k€449k▲
Deferred charges and accrued income490/1€1k€5k▲
Equity and liabilities
Total equity and liabilities10/49€725k€796k▲
Equity10/15€465k€95k▼
Contributions10/11€20k€20k=
Reserves13-€50k
Distributable reserves133-€50k
Profit (loss) carried forward14€445k€25k▼
Amounts payable17/49€261k€701k▲
Amounts payable after more than one year17€200k€220k▲
Other amounts payable178/9€200k€220k▲
Amounts payable within one year42/48€58k€463k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€38k€24k▼
Taxes450/3€38k€24k▼
Other amounts payable47/48€18k€438k▲
Accrued charges and deferred income492/3€3k€18k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€15k▼
Other operating charges640/8€1k€3k▲
Gross operating margin9900€133k€107k▼
Operating profit (loss)9901€111k€89k▼
Financial income75/76B-€3k
Recurring financial income75-€3k
Financial charges65/66B€3k€18k▲
Recurring financial charges65€3k€18k▲
Profit (loss) for the period before taxes9903€108k€74k▼
Income taxes67/77€27k€24k▼
Profit (loss) for the period9904€81k€50k▼
Profit (loss) for the period to be appropriated9905€81k€50k▼
Appropriation of the result
Profit (loss) to be appropriated9906€445k€495k▲
Profit (loss) brought forward from the previous period14P€364k€445k▲
Transfer to equity691/2-€50k
To other reserves6921-€50k
Profit to be distributed694/7-€420k
Return on contributions (dividend)694-€420k
The notes to these accounts (6 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
20-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
01-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 12.21
Current ratio from 3.07 to 12.21; short-term debt falls from €169k to €58k.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 22 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2019net €95k ▲23.1%
Operating result €119k, net result €95k, both a record.
31-12
Financial
Equity above €200kEq €219k ▲76.1%
3 profitable years in a row build equity to €219k.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €100kEq €124k ▲162%
2 profitable years in a row build equity to €124k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
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, Plombières · 1 establishment unit since 2019
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.
Botzelaer 24851 PlombièresGround area
6,297 m²
Building footprint
2,129 m²
Volume, LiDAR
14,825 m³
2 parcels, Flanders, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PNC
since 20192.297.670.870
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71442C0352/00T000 | Flanders | 4,789 m² | 1 · 1,985 m² | 7.7 m · 2 fl. |
| 63028B0357/00X000 | Wallonia | 1,509 m² | 1 · 143 m² | 6.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 3,628 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-07-2019
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.