PUNT
ActiveSummary
PUNT has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €150k and a net result of €-15k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 49% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability24▼-28
Solvency71▼-3
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 4.46 against 7.43 in 2023; short-term debt: 11.1% and cash: 49.2% of total assets), but 54.4% of the assets are financed with debt.
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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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% 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 2024Solvency, return and age of the figures
Solvency
45.6%
Return on assets
-4.6%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
19 d late
2022
60 d late
2021
60 d late
2020
61 d late
2019
87 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
History
Financials · fiscal year 2024, micro schema
Equity
€150k▼ 9.2%
2023 · €165k
Total assets
€330k▼ 2.6%
2023 · €338k
Net result
€-15k
2023 · €11k
Working capital
€127k▼ 5.4%
2023 · €134k
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
Line20202021202220232024
Operating result€-9k▲ 65.1%€35k€-7k€20k€-2k
Net result€-12k▲ 56.7%€31k€-10k€11k€-15k
Equity€133k▼ 8.3%€165k▲ 23.6%€154k▼ 6.2%€165k▲ 7.0%€150k▼ 9.2%
Total assets€358k▼ 7.4%€369k▲ 3.2%€339k▼ 8.2%€338k▼ 0.1%€330k▼ 2.6%
Debt€224k▼ 6.9%€204k▼ 8.9%€184k▼ 9.8%€173k▼ 6.1%€179k▲ 3.6%
Working capital€93k▼ 15.6%€132k▲ 41.1%€125k▼ 5.3%€134k▲ 7.6%€127k▼ 5.4%
Staff (FTE)0.5=
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €2k after €20k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €330k
Fixed assets
€166k ▼ 9.5%
Current assets
€164k ▲ 5.5%
Equity and liabilities €330k
Equity
€150k ▼ 9.2%
Debt
€179k ▲ 3.6%
Debt's share of the balance-sheet total rises from 51.2% to 54.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€18k▼
2023 · €39k
Cash flow
€5k▼
2023 · €30k
Current ratio
4.46▼
2023 · 7.43
Debt to equity
1.19▲
2023 · 1.05
ROE
-10.1%▼
2023 · 6.6%
ROA
-4.6%▼
2023 · 3.2%
Interest coverage
1.32▼
2023 · 3.55
Debt ≤ 1 year
€37k▲
2023 · €21k
Debt > 1 year
€143k▼
2023 · €152k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18k | €18k | €19k | €19k | €20k | ▲ 5.8% |
| Other operating charges640/8 | - | €2k | €2k | €2k | €2k | ▼ 6.1% |
| Non-recurring operating charges66A | - | €12k | - | - | - | - |
| Gross operating margin9900 | €18k | €68k | €13k | €41k | €20k | ▼ 51.0% |
| Operating profit (loss)9901 | €-9k | €35k | €-7k | €20k | €-2k | ▼ 110% |
| Financial income75/76B | - | €2k | €2k | €2k | €411 | ▼ 78.1% |
| Recurring financial income75 | €2k | €2k | €2k | €2k | €411 | ▼ 78.1% |
| Financial charges65/66B | - | €6k | €5k | €11k | €14k | ▲ 24.3% |
| Recurring financial charges65 | €6k | €6k | €5k | €11k | €14k | ▲ 24.3% |
| Profit (loss) for the period before taxes9903 | €-12k | €31k | €-10k | €11k | €-15k | ▼ 239% |
| Profit (loss) for the period9904 | €-12k | €31k | €-10k | €11k | €-15k | ▼ 239% |
| Profit (loss) for the period to be appropriated9905 | €-12k | €31k | €-10k | €11k | €-15k | ▼ 239% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €358k | €369k | €339k | €338k | €330k | ▼ 2.6% |
| Fixed assets21/28 | €222k | €204k | €188k | €183k | €166k | ▼ 9.5% |
| Tangible fixed assets22/27 | €222k | €204k | €188k | €183k | €166k | ▼ 9.5% |
| Land and buildings22 | - | €191k | €175k | €165k | €148k | ▼ 10.3% |
| Plant, machinery and equipment23 | - | €12k | €12k | €18k | €18k | ▼ 2.5% |
| Current assets29/58 | €135k | €165k | €151k | €155k | €164k | ▲ 5.5% |
| Amounts receivable within one year40/41 | €129k | €126k | €120k | €103k | €2k | ▼ 98.4% |
| Trade receivables40 | - | €19k | €9k | €9k | - | - |
| Other amounts receivable41 | - | €107k | €112k | €94k | €2k | ▼ 98.3% |
| Cash at bank and in hand54/58 | €1k | €32k | €21k | €40k | €162k | ▲ 306% |
| Deferred charges and accrued income490/1 | - | €7k | €10k | €12k | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €358k | €369k | €339k | €338k | €330k | ▼ 2.6% |
| Equity10/15 | €133k | €165k | €154k | €165k | €150k | ▼ 9.2% |
| Contributions10/11 | €4k | €4k | €4k | €4k | €4k | = |
| Capital10 | - | €4k | €4k | €4k | €4k | = |
| Issued capital100 | - | €19k | €19k | €19k | €19k | = |
| Uncalled capital101 | - | €15k | €15k | €15k | €15k | = |
| Reserves13 | €222k | €222k | €222k | €222k | €222k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | - | €2k | €2k | €2k | €2k | = |
| Tax-exempt reserves132 | - | €7k | €7k | €7k | €7k | = |
| Distributable reserves133 | - | €214k | €214k | €214k | €214k | = |
| Profit (loss) carried forward14 | €-93k | €-61k | €-72k | €-61k | €-76k | ▼ 24.9% |
| Amounts payable17/49 | €224k | €204k | €184k | €173k | €179k | ▲ 3.6% |
| Amounts payable after more than one year17 | €182k | €171k | €158k | €152k | €143k | ▼ 6.3% |
| Financial debts170/4 | - | €171k | €158k | €152k | €143k | ▼ 6.3% |
| Amounts payable within one year42/48 | €42k | €34k | €26k | €21k | €37k | ▲ 75.6% |
| Current portion of amounts payable after more than one year42 | - | €11k | €13k | €9k | €10k | ▲ 8.8% |
| Trade debts44 | €18k | €4k | €6k | €5k | €4k | ▼ 12.5% |
| Suppliers440/4 | - | €4k | €6k | €5k | €4k | ▼ 12.5% |
| Taxes, remuneration and social security45 | - | €18k | €7k | €6k | €6k | ▼ 2.2% |
| Taxes450/3 | - | €16k | €4k | €4k | €3k | ▼ 5.2% |
| Remuneration and social security454/9 | - | €2k | €4k | €3k | €3k | ▲ 1.7% |
| Other amounts payable47/48 | - | - | - | €1k | €17k | ▲ 1,101% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-12k | €31k | €-10k | €11k | €-15k | ▼ 239% |
| + Depreciation and write-downs630 | €18k | €18k | €19k | €19k | €20k | ▲ 5.8% |
| Operating cash flow (approximation) | €6k | €50k | €8k | €30k | €5k | ▼ 83.9% |
| Investment in fixed assets (approximation) | - | €0 | €-2k | €-15k | €-2k | ▲ 82.8% |
| Change in cash | - | €31k | €-11k | €19k | €122k | ▲ 546% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
31-12
Financial
Back to profitnet €31k
Net result €31k after 3 loss-making years.
31-12
Financial
Equity above €150kEq €165k ▲23.6%
Equity rises from €133k to €165k.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 61 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 57 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 56 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Beersel · 1 establishment unit since 1995
Ground area
1.3 ha
Building footprint
149 m²
Volume, LiDAR
1,009 m³
Parcel 23003C0043/00Z000, Flanders · tallest building 12.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PUNT
since 19952.050.114.202
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23003C0043/00Z000 | Flanders | 1.3 ha | 1 · 149 m² | 12.3 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 913 companies in sector 43333 we hold annual accounts for 400. 326 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded29-06-1990
Fiscal year end31-12
Activities, NACEBEL 2025
43333Wallpapering and laying of floor and wall coverings in other materials
Scores and ratios are computed by Checked and are not a credit decision.