POINT TECHNIQUE
ActiveSummary
The computed 12-month bankruptcy probability of POINT TECHNIQUE is 1.5% (moderate). The 2025 annual accounts show equity of €453k and a net result of €197k. Equity is growing by ~54.5% per year across the filed fiscal years. Its solvency ranks better than 59% of 11389 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability98▲+4
Solvency79▼-9
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 3.01 against 4.6 in 2024; short-term debt: 17.7% and cash: 42.3% of total assets), and 46% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
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
54%
Return on assets
23.4%
Age of the figures
15 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-12-2025, 31 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
31 d early
2024
16 d early
2023
50 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€453k▲ 76.6%
2024 · €257k
2023: €174klowest in 3 years
2024: €257k▲ +47.7% vs 2023
2025: €453k▲ +76.6% vs 2024highest in 3 years
2023 → 2025
Total assets
€839k▲ 105%
2024 · €410k
2023: €255klowest in 3 years
2024: €410k▲ +61.0% vs 2023
2025: €839k▲ +105% vs 2024highest in 3 years
2023 → 2025
Net result
€197k▲ 137%
2024 · €83k
2023: €120k
2024: €83k▼ -30.7% vs 2023lowest in 3 years
2025: €197k▲ +137% vs 2024highest in 3 years
2023 → 2025
Working capital
€297k▼ 1.4%
2024 · €301k
2023: €152klowest in 3 years
2024: €301k▲ +98.4% vs 2023highest in 3 years
2025: €297k▼ -1.4% vs 2024
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€174k-€257k▲ 47.7%€453k▲ 76.6%
2023: €174klowest in 3 years
2024: €257k▲ +47.7% vs 2023
2025: €453k▲ +76.6% vs 2024highest in 3 years
Operating result€166k-€117k▼ 29.6%€264k▲ 126%
2023: €166k
2024: €117k▼ -29.6% vs 2023lowest in 3 years
2025: €264k▲ +126% vs 2024highest in 3 years
Net result€120k-€83k▼ 30.7%€197k▲ 137%
2023: €120k
2024: €83k▼ -30.7% vs 2023lowest in 3 years
2025: €197k▲ +137% vs 2024highest in 3 years
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 2025; 2025 is 126% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €839k
Fixed assets
€394k ▲ 1,459%
Current assets
€445k ▲ 15.7%
Equity and liabilities €839k
Equity
€453k ▲ 76.6%
Debt
€386k ▲ 151%
Debt's share of the balance-sheet total rises from 37.4% to 46.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€337k▲
2024 · €127k
Cash flow
€270k▲
2024 · €93k
Current ratio
3.01▼
2024 · 4.60
Quick ratio
2.97▼
2024 · 4.60
Debt to equity
0.85▲
2024 · 0.60
ROE
43.4%▲
2024 · 32.3%
ROA
23.4%▲
2024 · 20.2%
Interest coverage
36.27▼
2024 · 769.89
Debt ≤ 1 year
€148k▲
2024 · €84k
Debt > 1 year
€237k▲
2024 · €70k
Income taxes
€58k▲
2024 · €34k
Staff costs
€10k
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 · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€410k€839k▲
Fixed assets21/28€25k€394k▲
Intangible fixed assets21€7k€7k▼
Tangible fixed assets22/27€18k€387k▲
Land and buildings22-€365k
Plant, machinery and equipment23€4k€4k▼
Furniture and vehicles24€14k€18k▲
Financial fixed assets28-€210
Current assets29/58€385k€445k▲
Stocks and contracts in progress3€343€6k▲
Stocks30/36€343€6k▲
Amounts receivable within one year40/41€75k€83k▲
Trade receivables40€75k€83k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€308k€355k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€410k€839k▲
Equity10/15€257k€453k▲
Contributions10/11€54k€54k=
Reserves13€177k€177k=
Distributable reserves133€177k€177k=
Profit (loss) carried forward14€26k€222k▲
Amounts payable17/49€154k€386k▲
Amounts payable after more than one year17€70k€237k▲
Financial debts170/4€70k€237k▲
Amounts payable within one year42/48€84k€148k▲
Current portion of amounts payable after more than one year42€5k€17k▲
Trade debts44€30k€31k▲
Suppliers440/4€30k€31k▲
Advances received on contracts in progress46-€32k
Taxes, remuneration and social security45€39k€62k▲
Taxes450/3€39k€60k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€9k€7k▼
Accrued charges and deferred income492/3-€782
Income statement
Code20242025
Remuneration, social security and pensions62-€10k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€73k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€343▼
Other operating charges640/8€1k€3k▲
Non-recurring operating charges66A€361€1k▲
Gross operating margin9900€131k€351k▲
Operating profit (loss)9901€117k€264k▲
Financial income75/76B€203€3▼
Recurring financial income75€203€3▼
Financial charges65/66B€165€9k▲
Recurring financial charges65€165€9k▲
Profit (loss) for the period before taxes9903€117k€254k▲
Income taxes67/77€34k€58k▲
Profit (loss) for the period9904€83k€197k▲
Profit (loss) for the period to be appropriated9905€83k€197k▲
Appropriation of the result
Profit (loss) to be appropriated9906€109k€222k▲
Profit (loss) brought forward from the previous period14P€26k€26k▲
Transfer to equity691/2€83k-
To other reserves6921€83k-
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €10k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €10k | €73k | ▲ 628% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €3k | €343 | ▼ 88.9% |
| Other operating charges640/8 | €860 | €1k | €3k | ▲ 170% |
| Non-recurring operating charges66A | - | €361 | €1k | ▲ 261% |
| Gross operating margin9900 | €170k | €131k | €351k | ▲ 167% |
| Operating profit (loss)9901 | €166k | €117k | €264k | ▲ 126% |
| Financial income75/76B | €309 | €203 | €3 | ▼ 98.4% |
| Recurring financial income75 | €309 | €203 | €3 | ▼ 98.4% |
| Financial charges65/66B | €88 | €165 | €9k | ▲ 5,534% |
| Recurring financial charges65 | €88 | €165 | €9k | ▲ 5,534% |
| Profit (loss) for the period before taxes9903 | €166k | €117k | €254k | ▲ 118% |
| Income taxes67/77 | €47k | €34k | €58k | ▲ 70.6% |
| Profit (loss) for the period9904 | €120k | €83k | €197k | ▲ 137% |
| Profit (loss) for the period to be appropriated9905 | €120k | €83k | €197k | ▲ 137% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €255k | €410k | €839k | ▲ 105% |
| Fixed assets21/28 | €22k | €25k | €394k | ▲ 1,459% |
| Intangible fixed assets21 | - | €7k | €7k | ▼ 3.7% |
| Tangible fixed assets22/27 | €22k | €18k | €387k | ▲ 2,014% |
| Land and buildings22 | - | - | €365k | - |
| Plant, machinery and equipment23 | €940 | €4k | €4k | ▼ 11.6% |
| Furniture and vehicles24 | €21k | €14k | €18k | ▲ 27.6% |
| Financial fixed assets28 | - | - | €210 | - |
| Current assets29/58 | €233k | €385k | €445k | ▲ 15.7% |
| Stocks and contracts in progress3 | €1k | €343 | €6k | ▲ 1,524% |
| Stocks30/36 | €1k | €343 | €6k | ▲ 1,524% |
| Amounts receivable within one year40/41 | €43k | €75k | €83k | ▲ 9.9% |
| Trade receivables40 | €34k | €75k | €83k | ▲ 9.9% |
| Other amounts receivable41 | €9k | €0 | - | - |
| Cash at bank and in hand54/58 | €188k | €308k | €355k | ▲ 15.5% |
| Deferred charges and accrued income490/1 | €2k | €2k | €2k | ▲ 12.8% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €255k | €410k | €839k | ▲ 105% |
| Equity10/15 | €174k | €257k | €453k | ▲ 76.6% |
| Contributions10/11 | €54k | €54k | €54k | = |
| Reserves13 | €94k | €177k | €177k | = |
| Distributable reserves133 | €94k | €177k | €177k | = |
| Profit (loss) carried forward14 | €26k | €26k | €222k | ▲ 763% |
| Amounts payable17/49 | €81k | €154k | €386k | ▲ 151% |
| Amounts payable after more than one year17 | - | €70k | €237k | ▲ 239% |
| Financial debts170/4 | - | €70k | €237k | ▲ 239% |
| Amounts payable within one year42/48 | €81k | €84k | €148k | ▲ 77.2% |
| Current portion of amounts payable after more than one year42 | - | €5k | €17k | ▲ 232% |
| Trade debts44 | €31k | €30k | €31k | ▲ 2.5% |
| Suppliers440/4 | €31k | €30k | €31k | ▲ 2.5% |
| Advances received on contracts in progress46 | €350 | - | €32k | - |
| Taxes, remuneration and social security45 | €50k | €39k | €62k | ▲ 57.4% |
| Taxes450/3 | €50k | €39k | €60k | ▲ 51.9% |
| Remuneration and social security454/9 | - | - | €2k | - |
| Other amounts payable47/48 | - | €9k | €7k | ▼ 25.3% |
| Accrued charges and deferred income492/3 | - | - | €782 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €120k | €83k | €197k | ▲ 137% |
| + Depreciation and write-downs630 | €3k | €10k | €73k | ▲ 628% |
| Operating cash flow (approximation) | €123k | €93k | €270k | ▲ 190% |
| Investment in fixed assets (approximation) | - | €-13k | €-442k | ▼ 3,177% |
| Change in cash | - | €120k | €48k | ▼ 60.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2023net €197k ▲137%
Operating result €264k, net result €197k, both a record.
15-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €83k ▼30.7%
Net result drops to €83k, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €200kEq €257k ▲47.7%
2 profitable years in a row build equity to €257k.
2023
12-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Namur · 1 establishment unit since 2022
Ground area
828 m²
Building footprint
117 m²
Volume, LiDAR
677 m³
Parcel 92135B0310/00C000, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Point Technique
since 20222.335.060.313
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92135B0310/00C000 | Wallonia | 828 m² | 1 · 117 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
HIB.com
BE 0466.103.212
Bonheiden · Eq €453,664
GARAGE BROUWERS
BE 0864.637.313
Sint-Katelijne-Waver · Eq €454,088
GARAGE DES CHAUFOURS
BE 0633.634.880
Saint-Ghislain · Eq €452,104
DEVECO PACKAGING
BE 0874.620.492
Merelbeke-Melle · Eq €454,524
CARU CONTAINERS
BE 0878.993.610
Antwerpen · Eq €451,633
Of 4,418 companies in sector 46180 we hold annual accounts for 1,885. 1,207 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-07-2022
Fiscal year end30-06
Activities, NACEBEL 2025
46180Agents specialised in the wholesale of other particular products
46831Wholesale of construction materials, general range
47529Retail trade
71209Other technical testing and analysis
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
74112Other professional, scientific and technical activities
Contact
Scores and ratios are computed by Checked and are not a credit decision.