PONTZEELE
ActiveSummary
The annual accounts of PONTZEELE for fiscal year 2025 show a net loss of 61% of the equity at the start of that year. The 2025 annual accounts show equity of €15k and a net result of €-24k. Equity is growing by ~56.1% per year across the filed fiscal years. Its solvency ranks better than 30% of 7500 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-91
Solvency50▼-23
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.32 against 0.55 in 2024; short-term debt: 75.5% and cash: 0.8% of total assets), and 75.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
24.5%
Return on assets
-38%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 01-04-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
1 d early
2023
25 d early
2022
12 d early
2021
1 d early
2020
38 d late
2019
66 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€15k▼ 60.8%
2024 · €39k
2018: €-37klowest in 8 years
2019: €-22k▲ +41.3% vs 2018
2020: €-701▲ +96.8% vs 2019
2021: €-68▲ +90.2% vs 2020
2022: €18k▲ +26812% vs 2021
2023: €25k▲ +34.4% vs 2022
2024: €39k▲ +58.0% vs 2023highest in 8 years
2025: €15k▼ -60.8% vs 2024
2018 → 2025
Total assets
€62k▼ 23.3%
2024 · €81k
2018: €17klowest in 8 years
2019: €21k▲ +21.8% vs 2018
2020: €55k▲ +163% vs 2019
2021: €22k▼ -60.9% vs 2020
2022: €34k▲ +57.5% vs 2021
2023: €37k▲ +7.5% vs 2022
2024: €81k▲ +120% vs 2023highest in 8 years
2025: €62k▼ -23.3% vs 2024
2018 → 2025
Net result
€-24k
2024 · €14k
2018: €590
2019: €13k▲ +2120% vs 2018
2020: €21k▲ +62.0% vs 2019highest in 8 years
2021: €633▼ -97.0% vs 2020
2022: €18k▲ +2798% vs 2021
2023: €6k▼ -65.8% vs 2022
2024: €14k▲ +127% vs 2023
2025: €-24k▼ -266% vs 2024lowest in 8 years
2018 → 2025
Working capital
€-32k▼ 91.6%
2024 · €-17k
2018: €-46klowest in 8 years
2019: €-23k▲ +49.6% vs 2018
2020: €-701▲ +97.0% vs 2019
2021: €-68▲ +90.2% vs 2020
2022: €20k▲ +29107% vs 2021highest in 8 years
2023: €18k▼ -9.8% vs 2022
2024: €-17k▼ -193% vs 2023
2025: €-32k▼ -91.6% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-68-€18k€25k▲ 34.4%€39k▲ 58.0%€15k▼ 60.8%
2021: €-68lowest in 5 years
2022: €18k▲ +26812% vs 2021
2023: €25k▲ +34.4% vs 2022
2024: €39k▲ +58.0% vs 2023highest in 5 years
2025: €15k▼ -60.8% vs 2024
Operating result€10k-€24k▲ 133%€8k▼ 67.1%€19k▲ 141%€-22k
2021: €10k
2022: €24k▲ +133% vs 2021highest in 5 years
2023: €8k▼ -67.1% vs 2022
2024: €19k▲ +141% vs 2023
2025: €-22k▼ -220% vs 2024lowest in 5 years
Net result€633-€18k▲ 2,798%€6k▼ 65.8%€14k▲ 127%€-24k
2021: €633
2022: €18k▲ +2798% vs 2021highest in 5 years
2023: €6k▼ -65.8% vs 2022
2024: €14k▲ +127% vs 2023
2025: €-24k▼ -266% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €22k after €19k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€47k ▼ 22.4%
Current assets
€15k ▼ 26.2%
Equity and liabilities €62k
Equity
€15k ▼ 60.8%
Debt
€47k ▲ 11.2%
Debt's share of the balance-sheet total rises from 52.0% to 75.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-9k▼
2024 · €23k
Cash flow
€-10k▼
2024 · €19k
Current ratio
0.32▼
2024 · 0.55
Debt to equity
3.08▲
2024 · 1.08
ROE
-155.1%▼
2024 · 36.7%
ROA
-38.0%▼
2024 · 17.6%
Interest coverage
-13.74▼
2024 · 41.04
Debt ≤ 1 year
€47k▲
2024 · €37k
Income taxes
€462▼
2024 · €4k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€81k€62k▼
Fixed assets21/28€61k€47k▼
Tangible fixed assets22/27€61k€47k▼
Plant, machinery and equipment23€517€338▼
Furniture and vehicles24€60k€47k▼
Current assets29/58€20k€15k▼
Amounts receivable within one year40/41€10k€11k▲
Trade receivables40€10k€8k▼
Other amounts receivable41€768€3k▲
Cash at bank and in hand54/58€9k€505▼
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€81k€62k▼
Equity10/15€39k€15k▼
Contributions10/11€50k€50k=
Reserves13€3k€0▼
Non-distributable reserves130/1€3k€0▼
Reserves not available under the articles1311€3k€0▼
Profit (loss) carried forward14€-14k€-35k▼
Amounts payable17/49€42k€47k▲
Amounts payable within one year42/48€37k€47k▲
Financial debts43-€8k
Credit institutions430/8-€8k
Trade debts44€0€5k▲
Suppliers440/4€0€5k▲
Taxes, remuneration and social security45€2k€6k▲
Taxes450/3€2k€6k▲
Other amounts payable47/48€35k€29k▼
Accrued charges and deferred income492/3€5k€0▼
Income statement
Code20242025
Non-recurring operating income76A€5k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€14k▲
Other operating charges640/8€2k€941▼
Non-recurring operating charges66A€3k€15k▲
Gross operating margin9900€29k€7k▼
Operating profit (loss)9901€19k€-22k▼
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€570€650▲
Recurring financial charges65€570€650▲
Profit (loss) for the period before taxes9903€18k€-23k▼
Income taxes67/77€4k€462▼
Profit (loss) for the period9904€14k€-24k▼
Profit (loss) for the period to be appropriated9905€14k€-24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-37k▼
Profit (loss) brought forward from the previous period14P€-28k€-14k▲
Transfer from equity791/2-€3k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €5k | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €2k | €5k | €14k | ▲ 192% |
| Other operating charges640/8 | €4k | €2k | €2k | €2k | €941 | ▼ 58.8% |
| Non-recurring operating charges66A | - | - | - | €3k | €15k | ▲ 344% |
| Gross operating margin9900 | €14k | €25k | €11k | €29k | €7k | ▼ 74.4% |
| Operating profit (loss)9901 | €10k | €24k | €8k | €19k | €-22k | ▼ 220% |
| Financial income75/76B | €2k | €988 | €1k | €0 | €1 | ▲ 1,200% |
| Recurring financial income75 | €2k | €988 | €1k | €0 | €1 | ▲ 1,200% |
| Financial charges65/66B | €2k | €626 | €740 | €570 | €650 | ▲ 14.2% |
| Recurring financial charges65 | €2k | €626 | €740 | €570 | €650 | ▲ 14.2% |
| Profit (loss) for the period before taxes9903 | €11k | €24k | €8k | €18k | €-23k | ▼ 227% |
| Income taxes67/77 | €10k | €6k | €2k | €4k | €462 | ▼ 88.2% |
| Profit (loss) for the period9904 | €633 | €18k | €6k | €14k | €-24k | ▼ 266% |
| Profit (loss) for the period to be appropriated9905 | €633 | €18k | €6k | €14k | €-24k | ▼ 266% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €22k | €34k | €37k | €81k | €62k | ▼ 23.3% |
| Fixed assets21/28 | - | - | €7k | €61k | €47k | ▼ 22.4% |
| Tangible fixed assets22/27 | - | - | €7k | €61k | €47k | ▼ 22.4% |
| Plant, machinery and equipment23 | - | - | - | €517 | €338 | ▼ 34.6% |
| Furniture and vehicles24 | - | - | €7k | €60k | €47k | ▼ 22.3% |
| Current assets29/58 | €22k | €34k | €30k | €20k | €15k | ▼ 26.2% |
| Amounts receivable within one year40/41 | €13k | €27k | €27k | €10k | €11k | ▲ 8.7% |
| Trade receivables40 | €5k | €4k | €9k | €10k | €8k | ▼ 12.9% |
| Other amounts receivable41 | €8k | €23k | €18k | €768 | €3k | ▲ 279% |
| Cash at bank and in hand54/58 | €8k | €6k | €1k | €9k | €505 | ▼ 94.3% |
| Deferred charges and accrued income490/1 | €722 | €655 | €1k | €1k | €3k | ▲ 201% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €22k | €34k | €37k | €81k | €62k | ▼ 23.3% |
| Equity10/15 | €-68 | €18k | €25k | €39k | €15k | ▼ 60.8% |
| Contributions10/11 | €50k | €50k | €50k | €50k | €50k | = |
| Reserves13 | €3k | €3k | €3k | €3k | €0 | ▼ 100% |
| Non-distributable reserves130/1 | €3k | €3k | €3k | €3k | €0 | ▼ 100% |
| Reserves not available under the articles1311 | €3k | €3k | €3k | €3k | €0 | ▼ 100% |
| Profit (loss) carried forward14 | €-53k | €-34k | €-28k | €-14k | €-35k | ▼ 152% |
| Amounts payable17/49 | €22k | €16k | €12k | €42k | €47k | ▲ 11.2% |
| Amounts payable within one year42/48 | €22k | €14k | €12k | €37k | €47k | ▲ 26.7% |
| Financial debts43 | - | - | - | - | €8k | - |
| Credit institutions430/8 | - | - | - | - | €8k | - |
| Trade debts44 | €7k | €5k | €7k | €0 | €5k | - |
| Suppliers440/4 | €7k | €5k | €7k | €0 | €5k | - |
| Taxes, remuneration and social security45 | €15k | €9k | €5k | €2k | €6k | ▲ 179% |
| Taxes450/3 | €15k | €9k | €5k | €2k | €6k | ▲ 179% |
| Other amounts payable47/48 | - | - | - | €35k | €29k | ▼ 17.6% |
| Accrued charges and deferred income492/3 | - | €2k | €109 | €5k | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €633 | €18k | €6k | €14k | €-24k | ▼ 266% |
| + Depreciation and write-downs630 | - | - | €2k | €5k | €14k | ▲ 192% |
| Operating cash flow (approximation) | €633 | €18k | €8k | €19k | €-10k | ▼ 153% |
| Investment in fixed assets (approximation) | - | - | - | €-58k | €0 | ▲ 100% |
| Change in cash | - | €-2k | €-5k | €8k | €-8k | ▼ 211% |
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
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity doublescurrent ratio 2.38
Current ratio from 1.00 to 2.38; short-term debt falls from €22k to €14k.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 38 days late
2020
30-09
Financial
Highest result since 2018net €21k ▲62%
Net result €21k, the highest in the series.
24-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Haaltert · 1 establishment unit since 2005
Ground area
1,368 m²
Building footprint
203 m²
Volume, LiDAR
1,140 m³
Parcel 41033A0716/00S000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PONTZEELE
since 20052.145.446.988
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41033A0716/00S000 | Flanders | 1,368 m² | 1 · 203 m² | 9.5 m · 2 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.
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Of 29,779 companies in sector 41001 we hold annual accounts for 16,044. 10,745 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
Founded28-02-2005
Fiscal year end30-09
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
Scores and ratios are computed by Checked and are not a credit decision.