Pontilex
ActivePontilex has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €28k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 18% of 3257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency7▼-1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.53 against 0.59 in 2024), and 90.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 →
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
9.1%
Return on assets
9.3%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 3257 sector peers (2025).
NBB · sector comparisonPosition among 3257 sector peers
Solvency
better than 18%
← weakest
strongest →
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 13-07-2026, 18 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
18 d early
2024
60 d late
2023
58 d late
2022
66 d late
2021
66 d late
2020
31 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€28k▼ 6.4%
2024 · €29k
2020: €5k
2021: €26k
2022: €36k
2023: €36k
2024: €29k
2020 → 2025
Total assets
€302k▼ 2.6%
2024 · €310k
2020: €75k
2021: €312k
2022: €372k
2023: €319k
2024: €310k
2020 → 2025
Net result
€28k▲ 179%
2024 · €10k
2020: €4k
2021: €21k
2022: €11k
2023: €52
2024: €10k
2020 → 2025
Working capital
€-39k▼ 25.9%
2024 · €-31k
2020: €42k
2021: €174k
2022: €115k
2023: €-2k
2024: €-31k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€36k▲ 39.9%€36k▲ 0.1%€29k▼ 18.6%€28k▼ 6.4%
Operating result€28k-€17k▼ 40.9%€4k▼ 78.4%€19k▲ 437%€43k▲ 120%
Net result€21k-€11k▼ 47.8%€52▼ 99.5%€10k▲ 19,175%€28k▲ 179%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 120% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €302k
Fixed assets
€259k▼ 2.5%
Current assets
€43k▼ 2.6%
Equity and liabilities €302k
Equity
€28k▼ 6.4%
Debt
€274k▼ 2.2%
The debt ratio rises from 90.5% to 90.9%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€65k▲
2024 · €40k
Cash flow
€51k▲
2024 · €31k
Solvency
9.1%▼
2024 · 9.5%
Current ratio
0.53▼
2024 · 0.59
Quick ratio
0.53▼
2024 · 0.59
Debt / equity
9.93▲
2024 · 9.50
ROE
101.8%▲
2024 · 34.2%
ROA
9.3%▲
2024 · 3.3%
Interest coverage
10.46▲
2024 · 6.27
Debt
€274k▼
2024 · €280k
Debt ≤ 1 year
€82k▲
2024 · €75k
Debt > 1 year
€190k▼
2024 · €202k
Income taxes
€8k▲
2024 · €3k
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€310k€302k▼
Fixed assets21/28€265k€259k▼
Intangible fixed assets21€29k€24k▼
Tangible fixed assets22/27€236k€234k▼
Land and buildings22€214k€216k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€20k€17k▼
Current assets29/58€44k€43k▼
Amounts receivable within one year40/41€26k€22k▼
Trade receivables40€24k€21k▼
Other amounts receivable41€1k€1k▼
Cash at bank and in hand54/58€17k€20k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€310k€302k▼
Equity10/15€29k€28k▼
Contributions10/11€1k€1k=
Reserves13€28k€27k▼
Distributable reserves133€28k€27k▼
Amounts payable17/49€280k€274k▼
Amounts payable after more than one year17€202k€190k▼
Financial debts170/4€202k€190k▼
Amounts payable within one year42/48€75k€82k▲
Current portion of amounts payable after more than one year42€23k€13k▼
Trade debts44€7k€10k▲
Suppliers440/4€7k€10k▲
Taxes, remuneration and social security45€8k€6k▼
Taxes450/3€8k€6k▼
Other amounts payable47/48€37k€54k▲
Accrued charges and deferred income492/3€3k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€23k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€42k€67k▲
Operating profit (loss)9901€19k€43k▲
Financial income75/76B€5€169▲
Recurring financial income75€5€169▲
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€13k€36k▲
Income taxes67/77€3k€8k▲
Profit (loss) for the period9904€10k€28k▲
Profit (loss) for the period to be appropriated9905€10k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€28k▲
Transfer from equity791/2€16k€28k▲
Transfer to equity691/2€9k€27k▲
To other reserves6921€9k€27k▲
Profit to be distributed694/7€17k€30k▲
Return on contributions (dividend)694€17k€28k▲
Directors or managers695-€2k
The notes to these accounts (17 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2020net €28k ▲179%
Operating result €43k, net result €28k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 60 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 58 days late
2023
31-12
Financial
Weakest financial yearnet €52 ▼99.5%
Net result drops to €52, the lowest in the series; recovery starts the following year.
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 66 days late
2022
05-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 66 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 5.37
Current ratio from 2.46 to 5.37.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Oostkamp · 1 establishment unit since 2020
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.
Sint-Elooisstraat 718020 OostkampGround area
770 m²
Building footprint
183 m²
Volume, LiDAR
1,182 m³
Parcel 31025B0634/00T000, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pontilex
since 20202.306.738.093
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31025B0634/00T000 | Flanders | 769 m² | 1 · 183 m² | 11.3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 519 EUR awarded · 519 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 66 EUR | 66 EUR |
| 2024 | 1 | 243 EUR | 243 EUR |
| 2022 | 1 | 210 EUR | 210 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 22,019 companies in sector 69101 we hold annual accounts for 9,028. 6,568 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2020
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.