Pycke zot
ActiveThe computed 12-month bankruptcy probability of Pycke zot is 1.5% (moderate). The 2025 annual accounts show equity of €122k and a net result of €95k. Equity is growing by ~22.6% per year across the filed fiscal years. Its solvency ranks better than 49% of 13270 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
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
Profitability97▼-3
Solvency54▼-31
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.2 against 3.77 in 2024; short-term debt: 49.6% and cash: 46% of total assets), and 70.9% 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 56
Relative position
BE, all sectors
reference
Sector 56
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
29.1%
Return on assets
22.7%
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 07-04-2026, 23 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
23 d early
2024
16 d late
2023
7 d early
2022
2 d early
2021
3 d early
2020
2 d early
2019
1 d early
← before the deadline
after the deadline →
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
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€122k▼ 58.0%
2024 · €290k
2018: €24k
2019: €47k
2020: €89k
2021: €150k
2022: €162k
2023: €162k
2024: €290k
2018 → 2025
Total assets
€418k▼ 12.9%
2024 · €480k
2018: €162k
2019: €500k
2020: €378k
2021: €390k
2022: €467k
2023: €462k
2024: €480k
2018 → 2025
Net result
€95k▼ 25.5%
2024 · €127k
2018: €18k
2019: €23k
2020: €42k
2021: €61k
2022: €50k
2023: €83k
2024: €127k
2018 → 2025
Working capital
€42k▼ 82.5%
2024 · €238k
2018: €16k
2019: €-32k
2020: €25k
2021: €74k
2022: €99k
2023: €117k
2024: €238k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€150k-€162k▲ 8.2%€162k=€290k▲ 78.4%€122k▼ 58.0%
Operating result€72k-€70k▼ 2.9%€112k▲ 59.6%€173k▲ 54.6%€133k▼ 23.5%
Net result€61k-€50k▼ 17.3%€83k▲ 66.1%€127k▲ 52.8%€95k▼ 25.5%
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 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €418k
Fixed assets
€169k▲ 8.3%
Current assets
€249k▼ 23.1%
Equity and liabilities €418k
Equity
€122k▼ 58.0%
Debt
€297k▲ 55.9%
The debt ratio rises from 39.6% to 70.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€154k▼
2024 · €200k
Cash flow
€116k▼
2024 · €154k
Solvency
29.1%▼
2024 · 60.4%
Current ratio
1.20▼
2024 · 3.77
Quick ratio
1.16▼
2024 · 3.68
Debt / equity
2.44▲
2024 · 0.66
ROE
77.9%▲
2024 · 43.9%
ROA
22.7%▼
2024 · 26.5%
Interest coverage
26.48▼
2024 · 41.12
Debt
€297k▲
2024 · €190k
Debt ≤ 1 year
€207k▲
2024 · €86k
Debt > 1 year
€89k▼
2024 · €104k
Income taxes
€33k▼
2024 · €47k
Staff costs
€91k▼
2024 · €101k
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€480k€418k▼
Fixed assets21/28€156k€169k▲
Tangible fixed assets22/27€156k€169k▲
Land and buildings22€122k€114k▼
Plant, machinery and equipment23€2k€10k▲
Furniture and vehicles24€1k€19k▲
Other tangible fixed assets26€31k€26k▼
Current assets29/58€324k€249k▼
Stocks and contracts in progress3€7k€8k▲
Stocks30/36€7k€8k▲
Amounts receivable within one year40/41€97k€46k▼
Trade receivables40€139€35k▲
Other amounts receivable41€97k€11k▼
Cash at bank and in hand54/58€213k€192k▼
Deferred charges and accrued income490/1€7k€3k▼
Equity and liabilities
Total equity and liabilities10/49€480k€418k▼
Equity10/15€290k€122k▼
Contributions10/11€19k€19k=
Reserves13€271k€103k▼
Distributable reserves133€271k€103k▼
Amounts payable17/49€190k€297k▲
Amounts payable after more than one year17€104k€89k▼
Financial debts170/4€104k€89k▼
Amounts payable within one year42/48€86k€207k▲
Current portion of amounts payable after more than one year42€18k€15k▼
Trade debts44€36k€55k▲
Suppliers440/4€36k€55k▲
Advances received on contracts in progress46€4k€3k▼
Taxes, remuneration and social security45€28k€51k▲
Taxes450/3€19k€26k▲
Remuneration and social security454/9€8k€25k▲
Other amounts payable47/48-€83k
Income statement
Code20242025
Non-recurring operating income76A€55k-
Remuneration, social security and pensions62€101k€91k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€21k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€304k€247k▼
Operating profit (loss)9901€173k€133k▼
Financial income75/76B€6k€1k▼
Recurring financial income75€6k€1k▼
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€174k€128k▼
Income taxes67/77€47k€33k▼
Profit (loss) for the period9904€127k€95k▼
Profit (loss) for the period to be appropriated9905€127k€95k▼
Appropriation of the result
Profit (loss) to be appropriated9906€127k€95k▼
Transfer from equity791/2-€168k
Transfer to equity691/2€127k-
To other reserves6921€127k-
Profit to be distributed694/7-€263k
Return on contributions (dividend)694-€263k
The notes to these accounts (7 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
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 16 days late
2024
30-09
Financial
Highest result since 2018net €127k ▲52.8%
Operating result €173k, net result €127k, both a record.
30-09
Financial
Liquidity doublescurrent ratio 3.77
Current ratio from 1.54 to 3.77; short-term debt falls from €216k to €86k.
30-09
Financial
Equity above €200kEq €290k ▲78.4%
7 profitable years in a row build equity to €290k.
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €150kEq €150k ▲67.8%
4 profitable years in a row build equity to €150k.
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
07-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Gent · 1 establishment unit since 2019
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-Salvatorstraat 18A9000 GentGround area
1,722 m²
Building footprint
1,705 m²
Volume, LiDAR
23,916 m³
Parcel 44021A2735/00S002, Flanders · tallest building 16.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Amour
since 20192.285.957.032
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A2735/00S002 | Flanders | 1,722 m² | 1 · 1,705 m² | 15.9 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.285.957.032
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,462. 9,341 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-04-2017
Fiscal year end30-09
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.