PNL CONSULTING
ActiveSummary
PNL CONSULTING has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €50k and a net result of €-865. Equity is shrinking by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 22% of 358 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2026
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability68▲+2
Solvency42▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.15 against 0.15 in 2025; short-term debt: 65.8% and cash: 0.9% of total assets), and 82.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
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
raises risk · 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 2026Solvency, return and age of the figures
Solvency
17.1%
Return on assets
-0.3%
Age of the figures
6 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 358 sector peers (2026).
NBB · sector comparisonPosition among 358 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 21-09-2026, 40 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
40 d early
2025
on the day
2024
2 d late
2023
on the day
2022
365 d late
2021
3 d late
2020
30 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€50k▼ 1.7%
2025 · €51k
2019: €95k
2020: €83k
2021: €79k
2022: €71k
2023: €64k
2024: €50k
2025: €51k
2019 → 2026
Total assets
€293k▲ 2.4%
2025 · €286k
2019: €336k
2020: €294k
2021: €286k
2022: €276k
2023: €293k
2024: €269k
2025: €286k
2019 → 2026
Net result
€-865
2025 · €740
2019: €854
2020: €-12k
2021: €-4k
2022: €-8k
2023: €-7k
2024: €-14k
2025: €740
2019 → 2026
Working capital
€-164k▼ 4.6%
2025 · €-157k
2019: €-49k
2020: €-73k
2021: €-83k
2022: €-92k
2023: €-131k
2024: €-139k
2025: €-157k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€71k-€64k▼ 9.8%€50k▼ 21.5%€51k▲ 1.5%€50k▼ 1.7%
Operating result€-7k-€-6k▲ 16.5%€-13k▼ 134%€3k€-426
Net result€-8k-€-7k▲ 17.1%€-14k▼ 97.0%€740€-865
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2026: a loss of €426 after €3k in 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €293k
Fixed assets
€264k ▲ 2.5%
Current assets
€28k ▲ 1.9%
Equity and liabilities €293k
Equity
€50k ▼ 1.7%
Debt
€243k ▲ 3.3%
Debt's share of the balance-sheet total rises from 82.1% to 82.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€12k▲
2025 · €10k
Cash flow
€11k▲
2025 · €8k
Current ratio
0.15▼
2025 · 0.15
Debt to equity
4.84▲
2025 · 4.60
ROE
-1.7%▼
2025 · 1.5%
ROA
-0.3%▼
2025 · 0.3%
Interest coverage
49.85▲
2025 · 5.58
Debt ≤ 1 year
€193k▲
2025 · €185k
Debt > 1 year
€50k=
2025 · €50k
Income taxes
€204▲
2025 · €197
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 · 2026 against 2025 · 43 lines
Balance sheet
Code20252026
Assets
Total assets20/58€286k€293k▲
Fixed assets21/28€258k€264k▲
Tangible fixed assets22/27€258k€264k▲
Land and buildings22€79k€79k=
Plant, machinery and equipment23€32k€39k▲
Furniture and vehicles24€2k€2k▼
Other tangible fixed assets26€145k€145k=
Current assets29/58€28k€28k▲
Amounts receivable within one year40/41€26k€26k▲
Trade receivables40€24k€24k▲
Other amounts receivable41€2k€2k=
Cash at bank and in hand54/58€2k€3k▲
Deferred charges and accrued income490/1-€11
Equity and liabilities
Total equity and liabilities10/49€286k€293k▲
Equity10/15€51k€50k▼
Contributions10/11€100k€100k=
Reserves13€9k€9k=
Distributable reserves133€9k€9k=
Profit (loss) carried forward14€-58k€-59k▼
Amounts payable17/49€235k€243k▲
Amounts payable after more than one year17€50k€50k=
Financial debts170/4€50k€50k=
Amounts payable within one year42/48€185k€193k▲
Trade debts44€5k€7k▲
Suppliers440/4€5k€7k▲
Taxes, remuneration and social security45€956€926▼
Taxes450/3€956€926▼
Other amounts payable47/48€178k€185k▲
Accrued charges and deferred income492/3-€5
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€12k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€13k€14k▲
Operating profit (loss)9901€3k€-426▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€2k€236▼
Recurring financial charges65€2k€236▼
Profit (loss) for the period before taxes9903€937€-662▼
Income taxes67/77€197€204▲
Profit (loss) for the period9904€740€-865▼
Profit (loss) for the period to be appropriated9905€740€-865▼
Appropriation of the result
Profit (loss) to be appropriated9906€-58k€-59k▼
Profit (loss) brought forward from the previous period14P€-59k€-58k▲
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 2027, expected by
2026
21-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Back to profitnet €740
Net result €740 after 5 loss-making years.
2024
02-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 2 days late
31-03
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 365 days late
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Dilsen-Stokkem · 1 establishment unit since 2004
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.
Kantonsweg 107B3650 Dilsen-StokkemGround area
1,075 m²
Building footprint
156 m²
Volume, LiDAR
1,266 m³
Parcel 72032B2321/00W000, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PNL Consulting
since 20042.137.512.982
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72032B2321/00W000 | Flanders | 1,075 m² | 1 · 156 m² | 11.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
PASPHIL
BE 0479.480.797
Tournai · Eq €50,155
Pavlova Consulting
BE 0738.631.442
Brussel · Eq €50,159
D3G
BE 0834.371.135
Namur · Eq €50,159
BDDB
BE 0660.611.669
Oudenaarde · Eq €50,151
White Arch Investments
BE 0777.635.142
Hannut · Eq €50,163
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,056 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
Founded30-04-2004
Fiscal year end31-03
Activities, NACEBEL 2025
70200Business and other management consultancy
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.