PNT NAMUR
ActivePNT NAMUR has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €439k and a net result of €244k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 66% of 1004 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+52
Solvency81▲+30
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.2 against 1.24 in 2024; short-term debt: 43.6% and cash: 4.2% of total assets), and 44.2% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
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
55.8%
Return on assets
30.9%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €439k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
183 d late
2023
82 d late
2022
361 d late
2021
726 d late
2020
67 d late
2019
11 d late
← 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
23-09-2026 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
€244k▲ 4,946%
2024 · €5k
2018: €13k
2019: €62k
2020: €161k
2021: €113k
2022: €92k
2023: €430
2024: €5k
2018 → 2025
Working capital
€413k▲ 200%
2024 · €138k
2018: €631k
2019: €679k
2020: €-126k
2021: €-78k
2022: €36k
2023: €103k
2024: €138k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€99k-€190k▲ 93.3%€191k▲ 0.2%€196k▲ 2.5%€439k▲ 125%
Operating result€180k-€143k▼ 20.6%€31k▼ 78.3%€46k▲ 48.5%€252k▲ 447%
Net result€113k-€92k▼ 19.0%€430▼ 99.5%€5k▲ 1,022%€244k▲ 4,946%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 447% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €787k
Fixed assets
€31k▼ 46.8%
Current assets
€757k▲ 6.7%
Equity and liabilities €787k
Equity
€439k▲ 125%
Debt
€348k▼ 39.1%
The debt ratio falls from 74.5% to 44.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€272k▲
2024 · €76k
Cash flow
€264k▲
2024 · €34k
Solvency
55.8%▲
2024 · 25.5%
Current ratio
2.20▲
2024 · 1.24
Quick ratio
2.20▲
2024 · 1.24
Debt / equity
0.79▼
2024 · 2.92
ROE
55.5%▲
2024 · 2.5%
ROA
30.9%▲
2024 · 0.6%
Interest coverage
18.94▲
2024 · 3.40
Debt
€348k▼
2024 · €571k
Debt ≤ 1 year
€343k▼
2024 · €571k
Income taxes
€15k▼
2024 · €19k
Staff costs
€508▼
2024 · €4k
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€767k€787k▲
Fixed assets21/28€58k€31k▼
Tangible fixed assets22/27€43k€31k▼
Land and buildings22€40k€20k▼
Plant, machinery and equipment23-€6k
Furniture and vehicles24€3k€5k▲
Financial fixed assets28€15k€50▼
Current assets29/58€709k€757k▲
Amounts receivable after more than one year29-€715k
Trade receivables290-€168k
Other amounts receivable291-€547k
Amounts receivable within one year40/41€535k-
Trade receivables40€163k-
Other amounts receivable41€372k-
Cash at bank and in hand54/58€12k€33k▲
Deferred charges and accrued income490/1€162k€9k▼
Equity and liabilities
Total equity and liabilities10/49€767k€787k▲
Equity10/15€196k€439k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€175k€419k▲
Amounts payable17/49€571k€348k▼
Amounts payable within one year42/48€571k€343k▼
Financial debts43€134k€120k▼
Credit institutions430/8€134k€120k▼
Trade debts44€398k€78k▼
Suppliers440/4€398k€78k▼
Advances received on contracts in progress46-€7k
Taxes, remuneration and social security45€39k€86k▲
Taxes450/3€34k€85k▲
Remuneration and social security454/9€5k€749▼
Other amounts payable47/48-€52k
Accrued charges and deferred income492/3-€5k
Income statement
Code20242025
Remuneration, social security and pensions62€4k€508▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€20k▼
Other operating charges640/8€8k€33k▲
Non-recurring operating charges66A€509-
Gross operating margin9900€88k€306k▲
Operating profit (loss)9901€46k€252k▲
Financial income75/76B€35€21k▲
Recurring financial income75€35€21k▲
Financial charges65/66B€22k€14k▼
Recurring financial charges65€22k€14k▼
Profit (loss) for the period before taxes9903€24k€259k▲
Income taxes67/77€19k€15k▼
Profit (loss) for the period9904€5k€244k▲
Profit (loss) for the period to be appropriated9905€5k€244k▲
Appropriation of the result
Profit (loss) to be appropriated9906€175k€419k▲
Profit (loss) brought forward from the previous period14P€170k€175k▲
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 183 days late
2025
31-12
Financial
Highest result since 2018net €244k ▲4946%
Operating result €252k, net result €244k, both a record.
31-12
Financial
Equity above €200kEq €439k ▲125%
8 profitable years in a row build equity to €439k.
2024
21-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 82 days late
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 361 days late
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 726 days late
2023
31-12
Financial
Weakest financial yearnet €430 ▼99.5%
Net result drops to €430, the lowest in the series; recovery starts the following year.
2022
31-12
Financial
Equity above €150kEq €190k ▲93.3%
5 profitable years in a row build equity to €190k.
2021
06-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 67 days late
2020
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 11 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
08-07
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Namur · 1 establishment unit since 2002
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.
Boulevard de la Meuse(JB) 1145100 NamurGround area
698 m²
Building footprint
119 m²
Volume, LiDAR
1,496 m³
Parcel 92322F0178/00_000, Wallonia · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Boulevard de la Meuse(JB) 114, 5100 Namur
since 20022.231.063.346
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92322F0178/00_000 | Wallonia | 698 m² | 1 · 119 m² | 13.9 m · 4 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.
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Of 22,055 companies in sector 69101 we hold annual accounts for 9,053. 6,150 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-01-2003
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:paques.bureau@belgacom.net
Phone:081 30 34 40