PRUDENTO
ActivePRUDENTO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €20k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 49% of 401 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
83
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency82▼-9
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 1.85 in 2024), but 56.2% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 31
Relative position
BE, all sectors
reference
Sector 31
higher
← 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
43.8%
Return on assets
19%
Age of the figures
8 mo
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 21-05-2026, 71 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
71 d early
2024
64 d early
2023
70 d early
2022
62 d early
2021
75 d early
2020
64 d early
2019
66 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▼ 24.4%
2024 · €62k
2018: €27k
2019: €49k
2020: €72k
2021: €45k
2022: €65k
2023: €81k
2024: €62k
2018 → 2025
Total assets
€107k▼ 15.4%
2024 · €126k
2018: €33k
2019: €59k
2020: €80k
2021: €86k
2022: €104k
2023: €113k
2024: €126k
2018 → 2025
Net result
€20k▼ 26.2%
2024 · €27k
2018: €21k
2019: €22k
2020: €23k
2021: €25k
2022: €20k
2023: €16k
2024: €27k
2018 → 2025
Working capital
€42k▼ 22.4%
2024 · €54k
2018: €27k
2019: €27k
2020: €53k
2021: €32k
2022: €53k
2023: €70k
2024: €54k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€65k▲ 44.1%€81k▲ 24.3%€62k▼ 24.2%€47k▼ 24.4%
Operating result€33k-€30k▼ 7.8%€23k▼ 24.8%€39k▲ 71.6%€29k▼ 26.1%
Net result€25k-€20k▼ 19.9%€16k▼ 20.5%€27k▲ 72.0%€20k▼ 26.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €107k
Fixed assets
€4k▼ 39.3%
Current assets
€102k▼ 13.9%
Equity and liabilities €107k
Equity
€47k▼ 24.4%
Debt
€60k▼ 6.7%
The debt ratio rises from 51.0% to 56.2%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€34k▼
2024 · €45k
Cash flow
€26k▼
2024 · €33k
Solvency
43.8%▼
2024 · 49.0%
Current ratio
1.71▼
2024 · 1.85
Quick ratio
1.71▼
2024 · 1.85
Debt / equity
1.28▲
2024 · 1.04
ROE
43.3%▼
2024 · 44.4%
ROA
19.0%▼
2024 · 21.8%
Interest coverage
10.65▲
2024 · 9.90
Debt
€60k▼
2024 · €64k
Debt ≤ 1 year
€60k▼
2024 · €64k
Income taxes
€6k▼
2024 · €7k
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€126k€107k▼
Fixed assets21/28€7k€4k▼
Tangible fixed assets22/27€7k€4k▼
Furniture and vehicles24€3k€3k▲
Other tangible fixed assets26€5k€1k▼
Current assets29/58€119k€102k▼
Amounts receivable within one year40/41€12k€12k▼
Trade receivables40€12k€11k▼
Other amounts receivable41-€851
Cash at bank and in hand54/58€105k€88k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€126k€107k▼
Equity10/15€62k€47k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€41k€26k▼
Amounts payable17/49€64k€60k▼
Amounts payable within one year42/48€64k€60k▼
Financial debts43€1k€514▼
Credit institutions430/8€1k€514▼
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€8k€3k▼
Taxes450/3€6k€1k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€50k€53k▲
Accrued charges and deferred income492/3€136€136=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€489€734▲
Gross operating margin9900€46k€35k▼
Operating profit (loss)9901€39k€29k▼
Financial income75/76B€3-
Recurring financial income75€3-
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€35k€26k▼
Income taxes67/77€7k€6k▼
Profit (loss) for the period9904€27k€20k▼
Profit (loss) for the period to be appropriated9905€27k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€88k€61k▼
Profit (loss) brought forward from the previous period14P€61k€41k▼
Profit to be distributed694/7€47k€35k▼
Return on contributions (dividend)694€47k€35k▼
The notes to these accounts (5 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €27k ▲72%
Operating result €39k, net result €27k, both a record.
22-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €16k ▼20.5%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 7.79
Current ratio from 3.61 to 7.79; short-term debt falls from €10k to €8k.
26-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
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, Aalst · 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.
Kokerijstraat 199310 AalstGround area
611 m²
Building footprint
90 m²
Volume, LiDAR
651 m³
Parcel 41039A0546/00N000, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PRUDENTO
since 20172.264.451.043
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41039A0546/00N000 | Flanders | 611 m² | 1 · 90 m² | 10.7 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.
Similar companies · same sector, comparable size
Wood Works
BE 0656.496.097
Grobbendonk · Eq €47k
VRM Projects
BE 0803.268.480
Temse · Eq €44k
TRIBOX DIRECT
BE 0649.817.747
Elsene · Eq €49k
MSM Le mobilier sur mesure
BE 1012.832.032
Binche · Eq €50k
M&D INVESTMENT
BE 0452.800.552
Ukkel · Eq €50k
Of 456 companies in sector 31009 we hold annual accounts for 124. 100 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-05-2017
Fiscal year end31-12
Activities, NACEBEL
31009Manufacture of furniture
31001Manufacture of furniture
31002Manufacture of furniture
32200Other manufacturing
33140Repair and maintenance of electrical equipment
62020IT consultancy
62200Computer consultancy and computer facilities management
95240Repair and maintenance of furniture and upholstery
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.