Equity
-€40,732
Debts exceed assets in financial year 2025.
PONCIN-SIMON
Lifetime
17 annual accounts with figures on one time axispeak €45,521 (2017)
€977▲ €1,848
lowest -€17,768 (2009)
-€12,379▲ €2,508
peak €13,618 (2017)
-€40,732▼ €12,379
€65,888▲ 10.1%
Documentsfilings and deeds
22-07-20269 days before the deadline
2025micro format
Gross margin from -€871 to €977Loss of €12,379Equity from -€28,353 to -€40,732Cash from €327 to €2,393
Key points
from the 2025 annual accountsChecked score
52
Fair
Financially stronger than 7% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.2%
01-2025: 2.2%● unchanged vs 12-2024
02-2025: 2.2%● unchanged vs 01-2025
03-2025: 2.2%● unchanged vs 02-2025
04-2025: 2.2%● unchanged vs 03-2025
05-2025: 2.2%● unchanged vs 04-2025
06-2025: 2.2%● unchanged vs 05-2025
07-2025: 2.4%▲ +0.2 percentage points vs 06-2025
08-2025: 2.1%▼ -0.3 percentage points vs 07-2025
09-2025: 2.1%● unchanged vs 08-2025
10-2025: 2.1%● unchanged vs 09-2025
11-2025: 2.1%● unchanged vs 10-2025
12-2025: 2.1%● unchanged vs 11-2025
01-2026: 2.1%● unchanged vs 12-2025
02-2026: 2.1%● unchanged vs 01-2026
03-2026: 2.3%▲ +0.2 percentage points vs 02-2026
04-2026: 2.4%▲ +0.1 percentage points vs 03-2026
05-2026: 2.4%● unchanged vs 04-2026
06-2026: 2.4%● unchanged vs 05-2026
07-2026: 2.5%▲ +0.1 percentage points vs 06-2026highest value
08-2026: 1.7%▼ -0.8 percentage points vs 07-2026lowest value
09-2026: 1.7%● unchanged vs 08-2026lowest value
10-2026: 1.7%● unchanged vs 09-2026lowest value
11-2026: 1.7%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Loss of €12,379, the second in a row (financial year 2025)
No main activity registered
Negative equity -€40,732
lowers risk
Size: total assets €25,156
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 5% of them on solvency, 10% on liquidity, 4% on profitability and 10% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,907 companies had the same profile as PONCIN-SIMON has now. Each dot stands for 18 companies, two years later.
85.4%
were still trading
8.1%
stopped another way
5.8%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of PONCIN-SIMON itself: 1.7% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,907 companies, not a prediction for PONCIN-SIMON. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.18 (0.17 in 2024), below 1. Short-term debt is 249.5% and cash 9.5% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€40,732
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 days early
2024
2 days early
2023
61 days late
2022
26 days late
2021
26 days late
2020
32 days early
2019
26 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 14 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 August (4 of the last 5 accounts filed within 35 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
First establishment
Les Hauts de Meuse 35, Namur
Incorporation
published on 15-07-2008 · Gazette deed
Official details
Source: KBO- Status
- Active since 04-07-2008Normal situation
- Activity
- No activity registered in the KBO
- Establishment unit
- 2.174.956.9625101 Namur, since 08-07-2008
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2025
- ≈ €7,500estimated
- €25,156▼ 20.1%
- Filing
- Filed on 22-07-2026, 9 days before the end of the filing period
Insights on PONCIN-SIMON
PONCIN-SIMON files the micro format. That format states no turnover. The gross margin fell from €20,587 in 2009 to €977 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PONCIN-SIMON
- What is the company number of PONCIN-SIMON?
- The company number of PONCIN-SIMON is 0899.040.045. The VAT number is the same number with BE in front: BE 0899.040.045.
- Where is PONCIN-SIMON based?
- The registered office is at Les Hauts de Meuse 35, 5101 Namur.Company details
- What is the legal form of PONCIN-SIMON?
- PONCIN-SIMON is a private limited company (pre-2019) (BVBA).
- When was PONCIN-SIMON founded?
- PONCIN-SIMON was founded on 04-07-2008.
- Is PONCIN-SIMON still active?
- Yes, PONCIN-SIMON is an active enterprise in the KBO register.
- What is the turnover of PONCIN-SIMON?
- The turnover in financial year 2025 is ≈ €7,500. This figure is estimated from the gross margin of €977 and 6,300 comparable companies of the same size. It probably lies between €3,400 and €18,000. It is a rough estimate.Financials
- Is PONCIN-SIMON profitable?
- In financial year 2025, PONCIN-SIMON made a loss of €12,379.
- Where can I find the annual accounts of PONCIN-SIMON?
- PONCIN-SIMON filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PONCIN-SIMON due?
- PONCIN-SIMON must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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