PND Consulting

Active

Private limited companyfounded 20215 yrs activeKeizerslaan 10, 1000 Brussel, BelgiumKBO/BCE: BE 0770.913.339

Summary

PND Consulting has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €23k and a net result of €38k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 15% of 20782 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).

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Checked score

Score 2024

67 / 100

Healthy

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

Axes · tick = 2023

Profitability100▲+18

Solvency41▼-59

Growth32▼-20

Track record94

Bankruptcy probability, 12 months

1.0% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity tight (current ratio 1.1 against 3.94 in 2023; short-term debt: 83.7% and cash: 59.9% of total assets), and 83.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

Six 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 62

Relative position

BE, all sectors

reference

Sector 62

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

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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

16.3%

Return on assets

26.9%

Age of the figures

21 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 20782 sector peers (2024).

NBB · sector comparison

Position among 20782 sector peers

Solvency

better than 15%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-07-2025, 14 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

14 d early

2023

6 d late

2022

on the day

2021

26 d early

← before the deadline after the deadline →

Checked, nothing found (1)

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

€23k▼ 82.2%

2023 · €130k

2021: €51k 2022: €111k 2023: €130k

2021 → 2024

Total assets

€142k▼ 18.3%

2023 · €174k

2021: €103k 2022: €210k 2023: €174k

2021 → 2024

Net result

€38k▲ 106%

2023 · €18k

2021: €47k 2022: €61k 2023: €18k

2021 → 2024

Working capital

€12k▼ 90.8%

2023 · €128k

2021: €50k 2022: €111k 2023: €128k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€51k-€111k▲ 120%€130k▲ 16.6%€23k▼ 82.2%

Operating result€59k-€79k▲ 33.4%€25k▼ 68.5%€48k▲ 93.0%

Net result€47k-€61k▲ 30.8%€18k▼ 69.6%€38k▲ 106%

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

Result per fiscal year

Operating resultNet result

The operating result recovers in 2024; 2024 is 93% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €142k

92.1%

Fixed assets €11k ▲ 658%

Current assets €131k ▼ 24.1%

Equity and liabilities €142k

16.3%

83.7%

Equity €23k ▼ 82.2%

Debt €119k ▲ 172%

Debt's share of the balance-sheet total rises from 25.1% to 83.7%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€50k▲

2023 · €25k

Cash flow

€40k▲

2023 · €19k

Current ratio

1.10▼

2023 · 3.94

Debt to equity

5.15▲

2023 · 0.34

ROE

165.1%▲

2023 · 14.2%

ROA

26.9%▲

2023 · 10.7%

Interest coverage

330.49▲

2023 · 45.20

Debt ≤ 1 year

€119k▲

2023 · €44k

Income taxes

€11k▲

2023 · €7k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2024 against 2023 · 41 lines

Balance sheet Code20232024

Assets

Total assets20/58€174k€142k▼

Fixed assets21/28€1k€11k▲

Tangible fixed assets22/27€1k€11k▲

Furniture and vehicles24€1k€8k▲

Other tangible fixed assets26-€4k

Current assets29/58€172k€131k▼

Amounts receivable after more than one year29-€34k

Other amounts receivable291-€34k

Amounts receivable within one year40/41€57k€11k▼

Trade receivables40€11k€11k▼

Other amounts receivable41€46k-

Cash at bank and in hand54/58€114k€85k▼

Deferred charges and accrued income490/1€1k€578▼

Equity and liabilities

Total equity and liabilities10/49€174k€142k▼

Equity10/15€130k€23k▼

Contributions10/11€4k€4k=

Profit (loss) carried forward14€126k€19k▼

Amounts payable17/49€44k€119k▲

Amounts payable within one year42/48€44k€119k▲

Trade debts44€1k€2k▲

Suppliers440/4€1k€2k▲

Taxes, remuneration and social security45€39k€18k▼

Taxes450/3€31k€15k▼

Remuneration and social security454/9€8k€4k▼

Other amounts payable47/48€3k€98k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€220€2k▲

Other operating charges640/8€1k€1k▲

Gross operating margin9900€26k€51k▲

Operating profit (loss)9901€25k€48k▲

Financial income75/76B€1k€1k▼

Recurring financial income75€1k€1k▼

Financial charges65/66B€556€151▼

Recurring financial charges65€556€151▼

Profit (loss) for the period before taxes9903€26k€49k▲

Income taxes67/77€7k€11k▲

Profit (loss) for the period9904€18k€38k▲

Profit (loss) for the period to be appropriated9905€18k€38k▲

Appropriation of the result

Profit (loss) to be appropriated9906€126k€164k▲

Profit (loss) brought forward from the previous period14P€107k€126k▲

Profit to be distributed694/7-€145k

Return on contributions (dividend)694-€145k

The notes to these accounts (5 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 7Financial 3Filings 4

2025

17-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

06-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 6 days late

2023

31-12

Financial Weakest financial yearnet €18k ▼69.6%

Net result drops to €18k, the lowest in the series; recovery starts the following year.

31-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Highest result since 2021net €61k ▲30.8%

Operating result €79k, net result €61k, both a record.

31-12

Financial Equity above €100kEq €111k ▲120%

2 profitable years in a row build equity to €111k.

05-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

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

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, Brussel · 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.

Keizerslaan 101000 Brussel

Ground area

1.0 ha

Building footprint

891 m²

Volume, LiDAR

17,705 m³

2 parcels, Brussels · tallest building 27.7 m, ±8 floors. Linked by address, not a title deed.

1 establishment unit

PND Consulting

Drie Fonteinengaarde 8, 1160 OudergemIT consultancy

since 20212.319.676.608

2 parcels

Brussels 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21332E0006/00H025	Brussels	9,584 m²	1 · 402 m²	21.2 m · 6 fl.
21808H1778/00D000	Brussels	670 m²	1 · 488 m²	27.7 m · 8 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.

Similar companies · same sector, comparable size

Hoegaarden · Eq €23,059

Oudsbergen · Eq €23,052

APB

BE 1001.625.661

Kortenberg · Eq €23,094

Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 13,546 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded08-07-2021

Fiscal year end31-12

Activities, NACEBEL 2025

62200Computer consultancy and computer facilities management

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.