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PONO

Active
KBO/BCE: BE 0800.970.669
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Belgian State Gazette acts: 0 of 2 read
Age3 yrs
Real estate1 parcel · 449 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of PONO is 0.4% (very low). The 2024 annual accounts show equity of €276k and a net result of €214k. Its solvency ranks better than 88% of 563 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

1 signal · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 88% of 563 peers (2024). A comfortable equity buffer.
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 27-08-2025 27 d late 2025-00422958

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.4% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Turnover€739k
EBIT margin38.5%
Net result€214k
Working capital€265k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 27-08-2025 with the NBB · fiscal year 2024 · verkort
Sector comparison
Fiscal year 2024 · NACE 62, Computer programming & consultancy · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 85.2% 34.8%
better than 88% of 563 sector peers
Net result €214k €15k
better than 90% of 563 sector peers
Equity €276k €79k
better than 74% of 563 sector peers
Gross operating margin €540k €81k
better than 80% of 562 sector peers
Staff costs €251k €298k
higher than 46% of 288 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositverkort
Revenue€739k
EBITDA€287k
Net profit€214k
Cash flow€217k
Staff costs€251k
Income taxes€73k
Dividends-
Total assets€324k
Equity€276k
Debt€48k
of which ≤ 1y€48k
of which > 1y-
Working capital€265k
Employees (FTE)1.0
Ratios (computed)
2024
Current ratio6.55
Quick ratio6.55
Working capital ratio81.8%
Solvency85.2%
Debt / equity0.17
Long-term debt ratio-
Interest coverage67.57
Gross margin68.1%
Net margin29.0%
ROA66.1%
ROE77.6%
EBITDA margin38.8%
Days sales outstanding3d
Days payable outstanding21d
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€324k
Fixed assets 21/28€11k
Tangible fixed assets 22/27€11k
Current assets 29/58€313k
Amounts receivable within one year 40/41€300k
Cash & bank 54/58€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€324k
Equity 10/15€276k
Contributions / capital 10/11€62k
Reserves 13€214k
Accumulated profits (losses) 14€158
Amounts payable 17/49€48k
Amounts payable within one year 42/48€48k
Trade debts payable within one year 44€13k
Income statement
Turnover 70€739k
Gross operating margin 9900€540k
Operating result 9901€284k
Financial income 75€7k
Financial charges 65€4k
Result before taxes 9903€287k
Income taxes 67/77€73k
Net result for the period 9904€214k
Result to be appropriated 9905€214k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
100 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
31 companies at this address See who is registered here

Establishment units

1 location
PONO
Bredestraat 4, 2000 AntwerpenOverige diensten op het gebied van informatietechnologie en computer
since 20232.345.834.439
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area449 m²
Buildings1
Building footprint231 m²
Volume (LiDAR)3,119 m³
Tallest building17.9 m · ±5 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11804D1464/00F000
ProtectedMonument · Townscape or village viewBurgerhuizen met omgevingSource ↗
 Flanders 449 m² 1 · 231 m² 17.9 m · 5 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts
All acts · 1 updated 2 years ago
2023
05-12-2023 Permanent representative changed: Gwen Cleirbaut succeeds Filip De Bock Director changes

Analysis

Financial profile

4 of 5 axes measured
Health100Profitability100Solvency100Growth-Stability79
95 / 100

Strong profile, led by health.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 100
Profitability 100
Solvency 100
Growth -
Stability 79

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 6,029 of the 29,864 companies in this sector. 4,385 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Arbeidsbemiddeling78100Arbeidsbemiddeling78100Arbeidsbemiddeling78100Arbeidsbemiddeling78100
Primary activity highlighted.
Names & trade names
Legal nameNL PONO
Registered office
Bredestraat 4
2000 Antwerpen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.