PONTZEELE INTERIEUR
ActiveSummary
PONTZEELE INTERIEUR has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.84M and a net result of €253k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 50% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (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
Profitability76▼-7
Solvency70▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 1.47 in 2024; short-term debt: 42.6% and cash: 11.5% of total assets), and 55.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
44.6%
Return on assets
6.1%
Age of the figures
12 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 24-04-2026, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
6 d early
2024
on the day
2023
1 d early
2022
2 d early
2021
1 d early
2020
1 d early
2019
27 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.84M▲ 3.0%
2024 · €1.79M
2018: €901k
2019: €966k
2020: €883k
2021: €1.27M
2022: €1.63M
2023: €1.69M
2024: €1.79M
2018 → 2025
Total assets
€4.13M▼ 4.8%
2024 · €4.34M
2018: €2.86M
2019: €2.83M
2020: €4.47M
2021: €4.64M
2022: €4.73M
2023: €4.38M
2024: €4.34M
2018 → 2025
Net result
€253k▼ 49.3%
2024 · €500k
2018: €147k
2019: €66k
2020: €188k
2021: €689k
2022: €706k
2023: €145k
2024: €500k
2018 → 2025
Working capital
€774k▼ 12.1%
2024 · €881k
2018: €975k
2019: €845k
2020: €500k
2021: €615k
2022: €881k
2023: €859k
2024: €881k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.27M-€1.63M▲ 28.0%€1.69M▲ 3.7%€1.79M▲ 5.9%€1.84M▲ 3.0%
Operating result€749k-€775k▲ 3.4%€185k▼ 76.1%€569k▲ 207%€303k▼ 46.8%
Net result€689k-€706k▲ 2.5%€145k▼ 79.5%€500k▲ 245%€253k▼ 49.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 47% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.13M
Fixed assets
€1.60M ▼ 0.1%
Current assets
€2.53M ▼ 7.5%
Equity and liabilities €4.13M
Equity
€1.84M ▲ 3.0%
Provisions
€38k ▼ 5.6%
Debt
€2.25M ▼ 10.3%
Debt's share of the balance-sheet total falls from 57.8% to 54.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€437k▼
2024 · €789k
Cash flow
€387k▼
2024 · €720k
Current ratio
1.44▼
2024 · 1.47
Quick ratio
0.34▼
2024 · 0.54
Debt to equity
1.22▼
2024 · 1.40
ROE
13.8%▼
2024 · 27.9%
ROA
6.1%▼
2024 · 11.5%
Interest coverage
11.22▼
2024 · 17.28
Debt ≤ 1 year
€1.76M▼
2024 · €1.86M
Debt > 1 year
€493k▼
2024 · €651k
Income taxes
€26k▼
2024 · €43k
Staff costs
€477k▲
2024 · €438k
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 · 68 lines
Balance sheet
Code20242025
Assets
Total assets20/58€4.34M€4.13M▼
Fixed assets21/28€1.60M€1.60M▼
Intangible fixed assets21-€21k
Tangible fixed assets22/27€1.60M€1.58M▼
Land and buildings22€1.46M€1.40M▼
Plant, machinery and equipment23€76k€40k▼
Furniture and vehicles24€23k€69k▲
Other tangible fixed assets26€40k€72k▲
Financial fixed assets28€286€286=
Current assets29/58€2.74M€2.53M▼
Stocks and contracts in progress3€1.74M€1.93M▲
Stocks30/36€1.74M€1.93M▲
Amounts receivable within one year40/41€257k€116k▼
Trade receivables40€114k€116k▲
Other amounts receivable41€144k€121▼
Cash at bank and in hand54/58€738k€475k▼
Deferred charges and accrued income490/1€6k€15k▲
Equity and liabilities
Total equity and liabilities10/49€4.34M€4.13M▼
Equity10/15€1.79M€1.84M▲
Contributions10/11€67k€67k=
Capital10€67k€67k=
Issued capital100€67k€67k=
Reserves13€1.72M€1.77M▲
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Tax-exempt reserves132€182k€177k▼
Distributable reserves133€1.53M€1.59M▲
Profit (loss) carried forward14€367€488▲
Provisions and deferred taxes16€41k€38k▼
Deferred taxes168€41k€38k▼
Amounts payable17/49€2.51M€2.25M▼
Amounts payable after more than one year17€651k€493k▼
Financial debts170/4€651k€493k▼
Amounts payable within one year42/48€1.86M€1.76M▼
Current portion of amounts payable after more than one year42€269k€158k▼
Financial debts43€300k€350k▲
Credit institutions430/8€300k€350k▲
Trade debts44€666k€859k▲
Suppliers440/4€666k€859k▲
Advances received on contracts in progress46€43k€116k▲
Taxes, remuneration and social security45€92k€61k▼
Taxes450/3€43k€2k▼
Remuneration and social security454/9€48k€59k▲
Other amounts payable47/48€486k€213k▼
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Non-recurring operating income76A€5k€0▼
Remuneration, social security and pensions62€438k€477k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€220k€134k▼
Other operating charges640/8€35k€22k▼
Gross operating margin9900€1.26M€936k▼
Operating profit (loss)9901€569k€303k▼
Financial income75/76B€18k€14k▼
Recurring financial income75€18k€14k▼
Financial charges65/66B€46k€39k▼
Recurring financial charges65€46k€39k▼
Profit (loss) for the period before taxes9903€541k€277k▼
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€43k€26k▼
Profit (loss) for the period9904€500k€253k▼
Transfer from tax-exempt reserves789€6k€6k=
Profit (loss) for the period to be appropriated9905€505k€259k▼
Appropriation of the result
Profit (loss) to be appropriated9906€505k€259k▼
Profit (loss) brought forward from the previous period14P€154€367▲
Transfer to equity691/2€105k€59k▼
To other reserves6921€105k€59k▼
Profit to be distributed694/7€400k€200k▼
Directors or managers695€400k€200k▼
Social balance
Average headcount (FTE)90877.68.5▲
The notes to these accounts (19 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
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Highest result since 2018net €706k ▲2.5%
Operating result €775k, net result €706k, both a record.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Equity above €1MEq €1.27M ▲44%
4 profitable years in a row build equity to €1.27M.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 27 days late
2019
30-09
Financial
Weakest financial yearnet €66k ▼55.3%
Net result drops to €66k, the lowest in the series; recovery starts the following year.
12-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
12-04
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.
Directors · office · real estate
Directors
4 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, Merelbeke · 2 establishment units since 2000
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-Annastraat 5-79820 MerelbekeGround area
3,697 m²
Building footprint
2,042 m²
Volume, LiDAR
7,323 m³
2 parcels, Flanders · tallest building 12.3 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
PONTZEELE INTERIEUR
since 20002.101.951.693
Pontzeele Interieur
since 20092.177.292.880
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44010A0537/00Y000 | Flanders | 2,460 m² | 1 · 1,470 m² | 12.3 m · 1 fl. |
| 44021A2661/00L000 | Flanders | 1,237 m² | 1 · 572 m² | 5.2 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
I.C.B.
BE 0441.570.724
Scherpenheuvel-Zichem · Eq €1.83M
Keraf
BE 0404.918.679
Kontich · Eq €1.79M
MOBICA
BE 0432.791.234
Wemmel · Eq €1.89M
INTERCONTEX
BE 0447.070.426
Antwerpen · Eq €1.76M
COVERA PACKAGING
BE 0462.810.754
Antwerpen · Eq €1.94M
Of 679 companies in sector 46494 we hold annual accounts for 530. 328 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 formPublic limited company
Founded26-11-1999
Fiscal year end30-09
Activities, NACEBEL 2025
46494Wholesale of non-electrical household articles
47551Retail sale of household furniture
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.