Summary
PONTO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €315,474 and a net result of €42,589. Equity is growing by ~17.7% per year across the filed fiscal years. Its solvency ranks better than 50% of 5565 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 26-05-2026, 66 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
66 d early
2024
64 d early
2023
76 d early
2022
39 d early
2021
61 d late
2020
55 d late
2019
69 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 9 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€315,474▲ 15.6%
2024 · €272,885
Net result
€42,589▼ 7.5%
2024 · €46,067
Total assets
€617,200▲ 0.5%
2024 · €613,882
Solvency
51.1%▲ 6.7pp
2024 · 44.5%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€63,500▼ 9.2%-€833€67,074€67,238▲ 0.2%€61,390▼ 8.7%
Net result€44,666▼ 13.6%-€3,864€45,455€46,067▲ 1.3%€42,589▼ 7.5%
Equity€185,227▲ 31.8%€181,363▼ 2.1%€226,818▲ 25.1%€272,885▲ 20.3%€315,474▲ 15.6%
Total assets€375,124▲ 8.8%€608,095▲ 62.1%€601,181▼ 1.1%€613,882▲ 2.1%€617,200▲ 0.5%
Debt€141,952▼ 9.2%€378,787▲ 167%€326,418▼ 13.8%€293,053▼ 10.2%€253,781▼ 13.4%
Working capital€195,046▲ 27.4%€101,939▼ 47.7%€134,883▲ 32.3%€171,234▲ 27.0%€204,231▲ 19.3%
Solvency49.4%▲ 8.6pp29.8%▼ 19.6pp37.7%▲ 7.9pp44.5%▲ 6.7pp51.1%▲ 6.7pp
Staff (FTE)0
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Why a figure moved sharply
- 2022 Total assets +62% on 2021. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €617,200
Fixed assets
€347,628 ▼ 7.6%
Current assets
€269,572 ▲ 13.4%
Equity and liabilities €617,200
Equity
€315,474 ▲ 15.6%
Provisions
€47,944 =
Debt
€253,781 ▼ 13.4%
Debt's share of the balance-sheet total falls from 47.7% to 41.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
13.5%▼
2024 · 16.9%
ROA
6.9%▼
2024 · 7.5%
Debt ≤ 1 year
€65,341▼
2024 · €66,527
Debt > 1 year
€188,441▼
2024 · €226,526
Income taxes
€21,001=
2024 · €20,997
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,712 | €24,968 | €33,637 | €33,097 | €33,244 | ▲ 0.4% |
| Other operating charges640/8 | €1,192 | €35,548 | €5,336 | €4,363 | €4,169 | ▼ 4.5% |
| Non-recurring operating charges66A | €1,435 | €0 | - | - | - | - |
| Gross operating margin9900 | €73,839 | €59,684 | €106,047 | €104,698 | €98,802 | ▼ 5.6% |
| Operating profit (loss)9901 | €63,500 | -€833 | €67,074 | €67,238 | €61,390 | ▼ 8.7% |
| Financial income75/76B | €3,002 | €3,755 | €4,068 | €5,213 | €6,458 | ▲ 23.9% |
| Recurring financial income75 | €3,002 | €3,755 | €4,068 | €5,213 | €6,458 | ▲ 23.9% |
| Financial charges65/66B | €2,307 | €5,237 | €6,104 | €5,387 | €4,258 | ▼ 21.0% |
| Recurring financial charges65 | €2,307 | €5,237 | €6,104 | €5,387 | €4,258 | ▼ 21.0% |
| Profit (loss) for the period before taxes9903 | €64,194 | -€2,315 | €65,037 | €67,064 | €63,589 | ▼ 5.2% |
| Income taxes67/77 | €19,529 | €1,549 | €19,582 | €20,997 | €21,001 | = |
| Profit (loss) for the period9904 | €44,666 | -€3,864 | €45,455 | €46,067 | €42,589 | ▼ 7.5% |
| Profit (loss) for the period to be appropriated9905 | €44,666 | -€3,864 | €45,455 | €46,067 | €42,589 | ▼ 7.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €375,124 | €608,095 | €601,181 | €613,882 | €617,200 | ▲ 0.5% |
| Fixed assets21/28 | €139,725 | €438,834 | €409,219 | €376,121 | €347,628 | ▼ 7.6% |
| Tangible fixed assets22/27 | €124,725 | €423,834 | €393,475 | €360,377 | €331,884 | ▼ 7.9% |
| Land and buildings22 | €123,158 | €368,505 | €348,196 | €327,887 | €312,308 | ▼ 4.8% |
| Plant, machinery and equipment23 | €1,402 | €794 | €186 | €0 | - | - |
| Furniture and vehicles24 | €165 | €54,534 | €45,093 | €32,490 | €19,575 | ▼ 39.8% |
| Financial fixed assets28 | €15,000 | €15,000 | €15,744 | €15,744 | €15,744 | = |
| Current assets29/58 | €235,398 | €169,261 | €191,962 | €237,761 | €269,572 | ▲ 13.4% |
| Amounts receivable after more than one year29 | €120,814 | €120,814 | €120,814 | €120,814 | €120,814 | = |
| Other amounts receivable291 | €120,814 | €120,814 | €120,814 | €120,814 | €120,814 | = |
| Amounts receivable within one year40/41 | €37,902 | €17,948 | €29,022 | €51,793 | €96,589 | ▲ 86.5% |
| Trade receivables40 | €35,549 | €5,997 | €10,548 | €14,087 | €37,661 | ▲ 167% |
| Other amounts receivable41 | €2,352 | €11,951 | €18,475 | €37,706 | €58,928 | ▲ 56.3% |
| Cash at bank and in hand54/58 | €76,683 | €29,782 | €41,426 | €64,307 | €51,198 | ▼ 20.4% |
| Deferred charges and accrued income490/1 | - | €717 | €700 | €847 | €971 | ▲ 14.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €375,124 | €608,095 | €601,181 | €613,882 | €617,200 | ▲ 0.5% |
| Equity10/15 | €185,227 | €181,363 | €226,818 | €272,885 | €315,474 | ▲ 15.6% |
| Contributions10/11 | €24,789 | €24,789 | €24,789 | €24,789 | €24,789 | = |
| Reserves13 | €160,438 | €160,438 | €205,893 | €251,960 | €294,549 | ▲ 16.9% |
| Distributable reserves133 | €160,438 | €160,438 | €205,893 | €251,960 | €294,549 | ▲ 16.9% |
| Profit (loss) carried forward14 | - | -€3,864 | -€3,864 | -€3,864 | -€3,864 | = |
| Provisions and deferred taxes16 | €47,944 | €47,944 | €47,944 | €47,944 | €47,944 | = |
| Provisions for liabilities and charges160/5 | €47,944 | €47,944 | €47,944 | €47,944 | €47,944 | = |
| Pensions and similar obligations160 | €47,944 | €47,944 | €47,944 | €47,944 | €47,944 | = |
| Amounts payable17/49 | €141,952 | €378,787 | €326,418 | €293,053 | €253,781 | ▼ 13.4% |
| Amounts payable after more than one year17 | €101,600 | €311,465 | €269,338 | €226,526 | €188,441 | ▼ 16.8% |
| Financial debts170/4 | €101,600 | €311,465 | €269,338 | €226,526 | €188,441 | ▼ 16.8% |
| Amounts payable within one year42/48 | €40,352 | €67,322 | €57,080 | €66,527 | €65,341 | ▼ 1.8% |
| Current portion of amounts payable after more than one year42 | €10,005 | €41,453 | €42,127 | €42,813 | €39,913 | ▼ 6.8% |
| Financial debts43 | €3,282 | €2,500 | €0 | - | - | - |
| Credit institutions430/8 | €3,282 | €2,500 | €0 | - | - | - |
| Trade debts44 | €2,129 | €5,130 | €1,249 | €2,321 | €1,274 | ▼ 45.1% |
| Suppliers440/4 | €2,129 | €5,130 | €1,249 | €2,321 | €1,274 | ▼ 45.1% |
| Taxes, remuneration and social security45 | €22,729 | €18,240 | €13,704 | €21,394 | €24,154 | ▲ 12.9% |
| Taxes450/3 | €22,729 | €18,240 | €13,704 | €21,394 | €24,154 | ▲ 12.9% |
| Other amounts payable47/48 | €2,208 | €0 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €44,666 | -€3,864 | €45,455 | €46,067 | €42,589 | ▼ 7.5% |
| + Depreciation and write-downs630 | €7,712 | €24,968 | €33,637 | €33,097 | €33,244 | ▲ 0.4% |
| Operating cash flow (approximation) | €52,378 | €21,104 | €79,092 | €79,164 | €75,833 | ▼ 4.2% |
| Investment in fixed assets (approximation) | - | -€324,076 | -€4,022 | €0 | -€4,750 | - |
| Change in cash | - | -€46,900 | €11,644 | €22,881 | -€13,108 | ▼ 157% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
16-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €45,455
Net result €45,455 after one loss-making year.
31-12
Financial
Equity above €200,000Eq €226,818 ▲25.1%
Equity rises from €181,363 to €226,818.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet -€3,864
Net result drops to -€3,864, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 61 days late
2021
31-12
Financial
Equity above €150,000Eq €185,227 ▲31.8%
4 profitable years in a row build equity to €185,227.
24-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 55 days late
2020
31-12
Financial
Equity above €100,000Eq €140,562 ▲58.2%
3 profitable years in a row build equity to €140,562.
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 69 days late
Show earlier events
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
22-05
State Gazette act
General meeting · Director resignation
Director discharge · Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 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, Brasschaat · 1 establishment unit since 2001
Ground area
491 m²
Building footprint
491 m²
Volume, LiDAR
2,568 m³
Parcel 11323F0271/00V000, Flanders · tallest building 9.6 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Lage Kaart 320, 2930 Brasschaat
since 20012.098.140.385
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11323F0271/00V000 | Flanders | 491 m² | 1 · 491 m² | 9.6 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
D-COR Projects
BE 0821.435.788
Mont-de-l'Enclus · Eq €315,473
Becon Invest
BE 0670.500.127
Ichtegem · Eq €315,512
Michiel van den Nieuwenhuijzen
BE 0773.602.219
Antwerpen · Eq €315,412
E&S Consilium
BE 0738.992.223
Lommel · Eq €315,559
GILES
BE 0832.228.524
Brussel · Eq €315,376
Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 13,779 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-05-2001
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
82990Other business support services
93299Other amusement and recreation activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0474765708
Also
9925:BE0474765708
Registered
25-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.