PONTIQ
ActiveSummary
PONTIQ has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €250k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 14% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency31▼-2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 1.07 in 2024; short-term debt: 93.8% and cash: 78.4% of total assets), and 93.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
6.2%
Return on assets
75.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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.
NBB · 9 filingsDeviation from the deadline
2025
28 d late
2024
28 d late
2023
35 d early
2022
29 d late
2021
3 d early
2020
61 d late
2019
28 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k=
2024 · €20k
2018: €44k
2019: €21k
2020: €114k
2021: €20k
2022: €20k
2023: €20k
2024: €20k
2018 → 2025
Total assets
€331k▲ 23.2%
2024 · €269k
2018: €68k
2019: €185k
2020: €215k
2021: €253k
2022: €359k
2023: €240k
2024: €269k
2018 → 2025
Net result
€250k▲ 27.4%
2024 · €197k
2018: €3k
2019: €74k
2020: €93k
2021: €87k
2022: €165k
2023: €172k
2024: €197k
2018 → 2025
Working capital
€16k▼ 7.6%
2024 · €17k
2018: €43k
2019: €16k
2020: €110k
2021: €18k
2022: €19k
2023: €17k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€20k=€20k=€20k=€20k=
Operating result€112k-€218k▲ 94.7%€227k▲ 4.0%€256k▲ 12.7%€326k▲ 27.6%
Net result€87k-€165k▲ 89.2%€172k▲ 4.4%€197k▲ 14.3%€250k▲ 27.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 28% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €331k
Fixed assets
€5k ▲ 36.0%
Current assets
€326k ▲ 23.0%
Equity and liabilities €331k
Equity
€20k =
Debt
€310k ▲ 25.1%
Debt's share of the balance-sheet total rises from 92.4% to 93.8%. Debt is higher.
Key figures and ratios
EBITDA
€328k▲
2024 · €257k
Cash flow
€252k▲
2024 · €197k
Current ratio
1.05▼
2024 · 1.07
Debt to equity
15.17▲
2024 · 12.13
ROA
75.7%▲
2024 · 73.2%
Interest coverage
1280.16▲
2024 · 914.74
Debt ≤ 1 year
€310k▲
2024 · €248k
Income taxes
€77k▲
2024 · €61k
A ratio outside any meaningful range has been withheld (balance sheet total €331k, equity €20k).
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€269k€331k▲
Fixed assets21/28€4k€5k▲
Tangible fixed assets22/27€2k€4k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24-€2k
Financial fixed assets28€1k€1k=
Current assets29/58€265k€326k▲
Amounts receivable within one year40/41€112k€67k▼
Trade receivables40€69k€41k▼
Other amounts receivable41€44k€26k▼
Cash at bank and in hand54/58€153k€259k▲
Deferred charges and accrued income490/1-€3
Equity and liabilities
Total equity and liabilities10/49€269k€331k▲
Equity10/15€20k€20k=
Contributions10/11€20k€20k=
Amounts payable17/49€248k€310k▲
Amounts payable within one year42/48€248k€310k▲
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€76k€95k▲
Taxes450/3€73k€92k▲
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€168k€210k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€914€2k▲
Other operating charges640/8€387€400▲
Gross operating margin9900€257k€329k▲
Operating profit (loss)9901€256k€326k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€281€257▼
Recurring financial charges65€281€257▼
Profit (loss) for the period before taxes9903€257k€327k▲
Income taxes67/77€61k€77k▲
Profit (loss) for the period9904€197k€250k▲
Profit (loss) for the period to be appropriated9905€197k€250k▲
Appropriation of the result
Profit (loss) to be appropriated9906€197k€250k▲
Profit to be distributed694/7€197k€250k▲
Return on contributions (dividend)694€197k€250k▲
The notes to these accounts (10 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €250k ▲27.4%
Operating result €326k, net result €250k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
13-03
State Gazette act
Board meeting · General meeting
Director resignation · Director appointment
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Equity above €100kEq €114k ▲450%
3 profitable years in a row build equity to €114k.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneState Gazette actNBB 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, Sint-Pieters-Woluwe · 1 establishment unit since 2017
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.
Arendlaan 761150 Sint-Pieters-WoluweGround area
432 m²
Building footprint
107 m²
Volume, LiDAR
785 m³
Parcel 21684B0060/00C021, Brussels · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Arendlaan 76, 1150 Sint-Pieters-Woluwe
since 20172.266.459.636
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21684B0060/00C021 | Brussels | 432 m² | 1 · 107 m² | 10.6 m · 3 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 30,762 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-07-2017
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.