PNEUS COURTOIS
ActivePNEUS COURTOIS has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €195k and a net result of €9k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 59% of 3540 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability54▲+18
Solvency71▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 1.67 in 2023; short-term debt: 44.7% and cash: 4.1% of total assets), but 53.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
26 d late
2022
25 d late
2021
61 d late
2020
178 d late
2019
92 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€753k
EBIT margin
28.5%
Net result
€9k
2023 · €-2k
2018: €-15k
2019: €-14k
2020: €141k
2021: €-16k
2022: €20k
2023: €-2k
2018 → 2024
Working capital
€160k▲ 16.3%
2023 · €137k
2018: €-119k
2019: €-119k
2020: €232k
2021: €175k
2022: €123k
2023: €137k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€753k-
Equity€183k-€167k▼ 8.5%€188k▲ 12.2%€186k▼ 0.9%€195k▲ 4.7%
Operating result€215k-€-12k€-14k▼ 12.9%€-1k▲ 90.1%€15k
Net result€141k-€-16k€20k€-2k€9k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €15k after a loss of €1k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €420k
Fixed assets
€73k▼ 11.3%
Current assets
€347k▲ 2.0%
Equity and liabilities €420k
Equity
€195k▲ 4.7%
Debt
€226k▼ 4.7%
The debt ratio falls from 56.0% to 53.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€29k▲
2023 · €13k
Cash flow
€23k▲
2023 · €13k
Solvency
46.3%▲
2023 · 44.0%
Current ratio
1.85▲
2023 · 1.67
Quick ratio
1.69▲
2023 · 1.50
Debt / equity
1.16▼
2023 · 1.27
ROE
4.5%▲
2023 · -1.0%
ROA
2.1%▲
2023 · -0.4%
Interest coverage
3.97▲
2023 · 2.17
Debt
€226k▼
2023 · €237k
Debt ≤ 1 year
€188k▼
2023 · €203k
Debt > 1 year
€0▼
2023 · €11k
Income taxes
€4k▲
2023 · €10
Staff costs
€183k▼
2023 · €220k
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€423k€420k▼
Fixed assets21/28€82k€73k▼
Tangible fixed assets22/27€32k€23k▼
Land and buildings22-€2k
Plant, machinery and equipment23€30k€19k▼
Furniture and vehicles24€2k€2k▲
Other tangible fixed assets26€836€458▼
Financial fixed assets28€50k€50k=
Current assets29/58€341k€347k▲
Stocks and contracts in progress3€35k€30k▼
Stocks30/36€35k€30k▼
Amounts receivable within one year40/41€291k€297k▲
Trade receivables40€145k€153k▲
Other amounts receivable41€146k€144k▼
Cash at bank and in hand54/58€14k€17k▲
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€423k€420k▼
Equity10/15€186k€195k▲
Contributions10/11€100k€100k=
Reserves13€465€465=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€465€465=
Profit (loss) carried forward14€86k€94k▲
Amounts payable17/49€237k€226k▼
Amounts payable after more than one year17€11k€0▼
Financial debts170/4€11k€0▼
Amounts payable within one year42/48€203k€188k▼
Current portion of amounts payable after more than one year42€19k€16k▼
Financial debts43€26€0▼
Credit institutions430/8€26€0▼
Trade debts44€121k€127k▲
Suppliers440/4€121k€127k▲
Taxes, remuneration and social security45€64k€45k▼
Taxes450/3€26k€11k▼
Remuneration and social security454/9€38k€34k▼
Accrued charges and deferred income492/3€22k€38k▲
Income statement
Code20232024
Remuneration, social security and pensions62€220k€183k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€809€3k▲
Gross operating margin9900€235k€216k▼
Operating profit (loss)9901€-1k€15k▲
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€-2k€13k▲
Transfer from deferred taxes780€0-
Income taxes67/77€10€4k▲
Profit (loss) for the period9904€-2k€9k▲
Transfer from tax-exempt reserves789€0-
Profit (loss) for the period to be appropriated9905€-2k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€86k€94k▲
Profit (loss) brought forward from the previous period14P€87k€86k▼
Social balance
Average headcount (FTE)90875.2-
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 26 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 61 days late
25-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 178 days late
2021
31-12
Financial
Weakest financial yearnet €-16k ▼111%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
2020
31-12
Financial
Back to profitnet €141k
Net result €141k after 2 loss-making years.
31-12
Financial
Liquidity times 6current ratio 3.13
Current ratio from 0.49 to 3.13; short-term debt falls from €236k to €109k.
31-12
Financial
Equity above €150kEq €183k ▲336%
Equity rises from €42k to €183k.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 92 days late
2019
12-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 43 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Aubange · 2 establishment units since 2014
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.
Rue du Commerce - ATHUS 36791 Aubange2 establishment units
PNEUS COURTOIS
since 20142.238.355.865
Rue du Commerce - ATHUS 1, 6791 Aubange
since 20212.317.739.180
Similar companies · same sector, comparable size
ASSISTANCE TECHNIQUE BECKS
BE 0733.802.426
Herstal · Eq €195k
REGO PNEU
BE 0438.244.713
Chapelle-lez-Herlaimont · Eq €195k
OTR-EM
BE 0688.999.413
Maasmechelen · Eq €193k
SUPER CAR SERVICE
BE 0631.746.251
Genk · Eq €193k
RTR BEHEER
BE 0884.291.293
Antwerpen · Eq €191k
Of 998 companies in sector 95315 we hold annual accounts for 426. 319 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-08-2014
Fiscal year end31-12
Activities, NACEBEL
95315Tyre services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filings
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:jacque.edouard@gmail.com
Phone:0646393116