PUNGBU
ActivePUNGBU has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €280k and a net result of €78k. Equity is growing by ~49.2% per year across the filed fiscal years. Its solvency ranks better than 88% of 12675 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 36.45 against 8.17 in 2024; short-term debt: 2.6% and cash: 3.2% of total assets), and 11.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
88.8%
Return on assets
24.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
4 d late
2023
26 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€280k▲ 38.8%
2024 · €202k
2023: €82k
2024: €202k
2023 → 2025
Total assets
€315k▲ 38.1%
2024 · €228k
2023: €139k
2024: €228k
2023 → 2025
Net result
€78k▼ 34.8%
2024 · €120k
2023: €80k
2024: €120k
2023 → 2025
Working capital
€293k▲ 53.7%
2024 · €190k
2023: €123k
2024: €190k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€82k-€202k▲ 147%€280k▲ 38.8%
Operating result€103k-€149k▲ 43.8%€107k▼ 28.2%
Net result€80k-€120k▲ 49.2%€78k▼ 34.8%
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 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €315k
Fixed assets
€15k▲ 27.7%
Current assets
€301k▲ 38.7%
Equity and liabilities €315k
Equity
€280k▲ 38.8%
Debt
€35k▲ 32.8%
The debt ratio falls from 11.6% to 11.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€112k▼
2024 · €152k
Cash flow
€83k▼
2024 · €123k
Solvency
88.8%▲
2024 · 88.4%
Current ratio
36.45▲
2024 · 8.17
Quick ratio
36.45▲
2024 · 8.17
Debt / equity
0.13▼
2024 · 0.13
ROE
28.0%▼
2024 · 59.5%
ROA
24.8%▼
2024 · 52.6%
Interest coverage
626.73▲
2024 · 539.27
Debt
€35k▲
2024 · €27k
Debt ≤ 1 year
€8k▼
2024 · €27k
Income taxes
€32k▲
2024 · €28k
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€228k€315k▲
Fixed assets21/28€11k€15k▲
Tangible fixed assets22/27€11k€15k▲
Furniture and vehicles24€11k€14k▲
Other tangible fixed assets26-€908
Current assets29/58€217k€301k▲
Amounts receivable after more than one year29€181k€245k▲
Other amounts receivable291€181k€245k▲
Amounts receivable within one year40/41€12k€44k▲
Trade receivables40€2k€30k▲
Other amounts receivable41€10k€14k▲
Cash at bank and in hand54/58€23k€10k▼
Deferred charges and accrued income490/1-€870
Equity and liabilities
Total equity and liabilities10/49€228k€315k▲
Equity10/15€202k€280k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€201k€279k▲
Amounts payable17/49€27k€35k▲
Amounts payable within one year42/48€27k€8k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€23k€736▼
Taxes450/3€23k€736▼
Other amounts payable47/48€1k€4k▲
Accrued charges and deferred income492/3-€27k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8€384€399▲
Gross operating margin9900€152k€112k▼
Operating profit (loss)9901€149k€107k▼
Financial income75/76B-€4k
Recurring financial income75-€4k
Financial charges65/66B€281€178▼
Recurring financial charges65€281€178▼
Profit (loss) for the period before taxes9903€148k€110k▼
Income taxes67/77€28k€32k▲
Profit (loss) for the period9904€120k€78k▼
Profit (loss) for the period to be appropriated9905€120k€78k▼
Appropriation of the result
Profit (loss) to be appropriated9906€201k€279k▲
Profit (loss) brought forward from the previous period14P€80k€201k▲
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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €78k ▼34.8%
Net result drops to €78k, the lowest in the series.
30-06
Financial
Liquidity quadruplescurrent ratio 36.45
Current ratio from 8.17 to 36.45; short-term debt falls from €27k to €8k.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
30-06
Financial
Highest result since 2023net €120k ▲49.2%
Operating result €149k, net result €120k, both a record.
30-06
Financial
Equity above €200kEq €202k ▲147%
2 profitable years in a row build equity to €202k.
05-01
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Oudergem · 1 establishment unit since 2021
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.
Théo Vanpélaan 801160 OudergemGround area
126 m²
Building footprint
64 m²
Volume, LiDAR
457 m³
Parcel 21332D0028/00L000, Brussels · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PUNGBU
since 20212.324.929.751
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21332D0028/00L000 | Brussels | 126 m² | 1 · 64 m² | 11.1 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.
Similar companies · same sector, comparable size
In Control CM
BE 0762.479.089
Mol · Eq €279k
RISCO MANAGEMENT
BE 0479.764.572
Braine-l'Alleud · Eq €278k
Lady At Work
BE 0628.676.301
Lokeren · Eq €277k
ILSA GODLOVITCH
BE 0847.966.080
Watermaal-Bosvoorde · Eq €283k
AVANZATA CONSULTING
BE 0600.901.538
Brussel · Eq €276k
Of 2,761 companies in sector 69109 we hold annual accounts for 1,209. 854 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-2021
Fiscal year end30-06
Activities, NACEBEL
69109Other legal services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.