PONNET
ActivePONNET has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €760k and a net result of €-60k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 82% of 637 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency89▲+3
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days only on tighter terms
Liquidity tight (current ratio 1.5 against 1.4 in 2024), and 29.8% 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 · 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
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
70.2%
Return on assets
-5.5%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
18192122232425
2018 to 2025 · latest year -€60k
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
16 d early
2023
85 d early
2022
21 d late
2021
12 d early
2020
33 d early
2019
31 d early
← 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
14-09-2026 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
€-60k▼ 122%
2024 · €-27k
2018: €-4k
2019: €-17k
2021: €11k
2022: €26k
2023: €16k
2024: €-27k
2018 → 2025
Working capital
€155k▼ 14.2%
2024 · €180k
2018: €-294k
2019: €-327k
2021: €22k
2022: €155k
2023: €187k
2024: €180k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€806k-€831k▲ 3.2%€847k▲ 1.9%€820k▼ 3.2%€760k▼ 7.3%
Operating result€1k-€29k▲ 1,938%€8k▼ 73.0%€-38k€-74k▼ 96.8%
Net result€11k-€26k▲ 143%€16k▼ 39.3%€-27k€-60k▼ 122%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €74k in 2025 against €38k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.08M
Fixed assets
€618k▼ 7.1%
Current assets
€465k▼ 25.8%
Equity and liabilities €1.08M
Equity
€760k▼ 7.3%
Debt
€323k▼ 31.6%
The debt ratio falls from 36.5% to 29.8%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-4k▼
2024 · €37k
Cash flow
€11k▼
2024 · €47k
Solvency
70.2%▲
2024 · 63.5%
Current ratio
1.50▲
2024 · 1.40
Quick ratio
0.93▼
2024 · 0.95
Debt / equity
0.42▼
2024 · 0.58
ROE
-7.8%▼
2024 · -3.3%
ROA
-5.5%▼
2024 · -2.1%
Interest coverage
-0.65▼
2024 · 4.20
Debt
€323k▼
2024 · €472k
Debt ≤ 1 year
€311k▼
2024 · €447k
Debt > 1 year
€8k▼
2024 · €25k
Income taxes
€0▼
2024 · €82
Staff costs
€1.07M▼
2024 · €1.12M
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€1.29M€1.08M▼
Fixed assets21/28€665k€618k▼
Tangible fixed assets22/27€109k€43k▼
Plant, machinery and equipment23€65k€35k▼
Furniture and vehicles24€3k€1k▼
Other tangible fixed assets26€41k€7k▼
Financial fixed assets28€556k€575k▲
Current assets29/58€627k€465k▼
Stocks and contracts in progress3€202k€177k▼
Stocks30/36€202k€177k▼
Amounts receivable within one year40/41€38k€95k▲
Trade receivables40€32k€74k▲
Other amounts receivable41€5k€20k▲
Cash at bank and in hand54/58€354k€160k▼
Deferred charges and accrued income490/1€33k€34k▲
Equity and liabilities
Total equity and liabilities10/49€1.29M€1.08M▼
Equity10/15€820k€760k▼
Contributions10/11€520k€520k=
Capital10€520k€520k=
Issued capital100€520k€520k=
Reserves13€300k€240k▼
Non-distributable reserves130/1€52k€52k=
Legal reserve130€52k€52k=
Distributable reserves133€248k€188k▼
Amounts payable17/49€472k€323k▼
Amounts payable after more than one year17€25k€8k▼
Financial debts170/4€25k€8k▼
Amounts payable within one year42/48€447k€311k▼
Current portion of amounts payable after more than one year42€37k€41k▲
Trade debts44€198k€100k▼
Suppliers440/4€198k€100k▼
Taxes, remuneration and social security45€211k€166k▼
Taxes450/3€19k€4k▼
Remuneration and social security454/9€192k€161k▼
Other amounts payable47/48€532€5k▲
Accrued charges and deferred income492/3€0€4k▲
Income statement
Code20242025
Non-recurring operating income76A€4k€25k▲
Remuneration, social security and pensions62€1.12M€1.07M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€74k€70k▼
Other operating charges640/8€5k€6k▲
Gross operating margin9900€1.16M€1.07M▼
Operating profit (loss)9901€-38k€-74k▼
Financial income75/76B€19k€20k▲
Recurring financial income75€19k€20k▲
Financial charges65/66B€9k€6k▼
Recurring financial charges65€9k€6k▼
Profit (loss) for the period before taxes9903€-27k€-60k▼
Income taxes67/77€82€0▼
Profit (loss) for the period9904€-27k€-60k▼
Profit (loss) for the period to be appropriated9905€-27k€-60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€-60k▼
Transfer from equity791/2€27k€60k▲
Transfer to equity691/2€0-
To other reserves6921€0-
Social balance
Average headcount (FTE)908735.425.1▼
The notes to these accounts (18 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-60k
Net result drops to €-60k, the lowest in the series.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
07-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 21 days late
2022
31-12
Financial
Highest result since 2018net €26k ▲143%
Operating result €29k, net result €26k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
31-12
Financial
Equity above €500kEq €806k ▲440%
Equity rises from €149k to €806k.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
20-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 81 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Erpe-Mere · 1 establishment unit since 1986
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.
Gentsesteenweg 3589420 Erpe-MereGround area
1,051 m²
Building footprint
794 m²
Volume, LiDAR
3,782 m³
Parcel 41015A0112/00V000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PONNET
since 19862.036.574.287
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41015A0112/00V000 | Flanders | 1,051 m² | 1 · 794 m² | 9.5 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteErpe-Mere2.036.574.287
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Of 506 companies in sector 10711 we hold annual accounts for 325. 193 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-05-1986
Fiscal year end31-12
Activities, NACEBEL
10711Manufacture of food products
10712Artisanal bread and fresh pastry making
15811
15812
43990Other specialised construction activities
43999Specialised construction activities
45500
46360Wholesale trade
46389Wholesale of other food products
47279Other retail sale of food
47299Retail trade
51384
52272
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.