Pype & Terryn
ActiveSummary
Pype & Terryn has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €136k and a net result of €5k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 95% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (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
Profitability74▲+68
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 62.36 against 24.79 in 2024; short-term debt: 1.6% and cash: 10.4% of total assets), and 1.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
98.4%
Return on assets
4%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
on the day
2022
7 d late
2021
3 d early
2020
30 d late
2019
21 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€136k▲ 4.2%
2024 · €130k
2019: €117k
2020: €101k
2021: €156k
2022: €156k
2023: €144k
2024: €130k
2019 → 2025
Total assets
€138k▲ 1.7%
2024 · €136k
2019: €264k
2020: €223k
2021: €228k
2022: €167k
2023: €150k
2024: €136k
2019 → 2025
Net result
€5k
2024 · €-13k
2019: €-11k
2020: €-16k
2021: €54k
2022: €730
2023: €-12k
2024: €-13k
2019 → 2025
Working capital
€136k▲ 5.0%
2024 · €129k
2019: €91k
2020: €87k
2021: €149k
2022: €155k
2023: €141k
2024: €129k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€156k-€156k▲ 0.5%€144k▼ 8.0%€130k▼ 9.3%€136k▲ 4.2%
Operating result€60k-€-861€-14k▼ 1,480%€-15k▼ 10.2%€738
Net result€54k-€730▼ 98.7%€-12k€-13k▼ 6.9%€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €738 after a loss of €15k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €138k
Fixed assets
€493 ▼ 65.8%
Current assets
€138k ▲ 2.4%
Equity and liabilities €138k
Equity
€136k ▲ 4.2%
Debt
€2k ▼ 58.1%
Debt's share of the balance-sheet total falls from 4.0% to 1.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€2k▲
2024 · €-14k
Cash flow
€6k▲
2024 · €-12k
Current ratio
62.36▲
2024 · 24.79
Debt to equity
0.02▼
2024 · 0.04
ROE
4.0%▲
2024 · -10.2%
ROA
4.0%▲
2024 · -9.8%
Interest coverage
37.90▲
2024 · -246.39
Debt ≤ 1 year
€2k▼
2024 · €5k
Income taxes
€31▲
2024 · €0
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€136k€138k▲
Fixed assets21/28€1k€493▼
Tangible fixed assets22/27€1k€493▼
Land and buildings22€948€399▼
Plant, machinery and equipment23€494€94▼
Current assets29/58€134k€138k▲
Amounts receivable within one year40/41€106k€123k▲
Trade receivables40€40k€35k▼
Other amounts receivable41€66k€89k▲
Cash at bank and in hand54/58€29k€14k▼
Equity and liabilities
Total equity and liabilities10/49€136k€138k▲
Equity10/15€130k€136k▲
Contributions10/11€30k€30k=
Reserves13€100k€106k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€100k€106k▲
Amounts payable17/49€5k€2k▼
Amounts payable within one year42/48€5k€2k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€5k€1k▼
Suppliers440/4€5k€1k▼
Taxes, remuneration and social security45€0€1k▲
Taxes450/3€0€1k▲
Accrued charges and deferred income492/3-€64
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€949€949=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-1k€0▲
Other operating charges640/8€853€929▲
Non-recurring operating charges66A€0€2k▲
Gross operating margin9900€-14k€4k▲
Operating profit (loss)9901€-15k€738▲
Financial income75/76B€2k€5k▲
Recurring financial income75€2k€5k▲
Financial charges65/66B€57€45▼
Recurring financial charges65€57€45▼
Profit (loss) for the period before taxes9903€-13k€6k▲
Income taxes67/77€0€31▲
Profit (loss) for the period9904€-13k€5k▲
Profit (loss) for the period to be appropriated9905€-13k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€5k▲
Transfer from equity791/2€13k€0▼
Transfer to equity691/2-€5k
To other reserves6921-€5k
The notes to these accounts (4 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
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
31-03
Financial
Liquidity triplescurrent ratio 62.36
Current ratio from 24.79 to 62.36; short-term debt falls from €5k to €2k.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
07-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
31-03
Financial
Liquidity times 6current ratio 19.41
Current ratio from 3.15 to 19.41; short-term debt falls from €69k to €8k.
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €54k
Net result €54k after 2 loss-making years.
31-03
Financial
Equity above €150kEq €156k ▲53.8%
Equity rises from €101k to €156k.
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
31-03
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
Show earlier events
2019
10-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
22-09
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, Koksijde · 1 establishment unit since 1987
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.
Leopold II Laan(Odk) 68 GV 028670 KoksijdeGround area
7,743 m²
Building footprint
467 m²
Volume, LiDAR
5,321 m³
Parcel 38018A0079/00A000, Flanders · tallest building 12.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Leopold II Laan(Odk) 68 GV 02, 8670 Koksijde
since 19872.031.294.915
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38018A0079/00A000 | Flanders | 7,743 m² | 1 · 467 m² | 12.7 m · 4 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.
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Hashtag2
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BE 1003.910.705
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BE 0634.842.531
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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 7,151 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 formPrivate limited company
Founded25-03-1987
Fiscal year end31-03
Activities, NACEBEL 2025
82990Other business support services
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.