CHARLES PONCELET
ActiveSummary
CHARLES PONCELET has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58k and a net result of €65k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 12707 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, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▲+8
Solvency45▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.79 against 1.23 in 2024; short-term debt: 18.9% and cash: 31.7% of total assets), but 80.2% of the assets are financed with debt.
Credit check 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 →
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
19.8%
Return on assets
22.2%
Age of the figures
12 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 12707 sector peers (2025).
NBB · sector comparisonPosition among 12707 sector peers
Solvency
better than 20%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €58k
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 20-03-2026, 41 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
41 d early
2024
42 d early
2023
22 d early
2022
74 d late
2021
24 d late
2020
31 d late
2019
18 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▲ 56.5%
2024 · €37k
2019: €-3k
2020: €-2k
2021: €2k
2022: €1k
2023: €24k
2024: €37k
2019 → 2025
Total assets
€293k▼ 2.3%
2024 · €300k
2019: €158k
2020: €132k
2021: €129k
2022: €286k
2023: €290k
2024: €300k
2019 → 2025
Net result
€65k▲ 35.8%
2024 · €48k
2019: €-9k
2020: €-11k
2021: €3k
2022: €-418
2023: €23k
2024: €48k
2019 → 2025
Working capital
€44k▲ 171%
2024 · €16k
2019: €-9k
2020: €-2k
2021: €11k
2022: €-4k
2023: €-3k
2024: €16k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€1k▼ 26.3%€24k▲ 1,967%€37k▲ 53.4%€58k▲ 56.5%
Operating result€13k-€12k▼ 10.9%€43k▲ 267%€74k▲ 72.0%€98k▲ 31.5%
Net result€3k-€-418€23k€48k▲ 108%€65k▲ 35.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 31% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €293k
Fixed assets
€194k ▼ 9.8%
Current assets
€99k ▲ 16.7%
Equity and liabilities €293k
Equity
€58k ▲ 56.5%
Provisions
€69k ▼ 7.6%
Debt
€166k ▼ 11.8%
Debt's share of the balance-sheet total falls from 62.7% to 56.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€119k▲
2024 · €96k
Cash flow
€86k▲
2024 · €69k
Current ratio
1.79▲
2024 · 1.23
Debt to equity
2.86▼
2024 · 5.07
ROE
112.1%▼
2024 · 129.2%
ROA
22.2%▲
2024 · 16.0%
Interest coverage
8.15▲
2024 · 7.45
Debt ≤ 1 year
€55k▼
2024 · €69k
Debt > 1 year
€110k▼
2024 · €119k
Income taxes
€18k▲
2024 · €14k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€300k€293k▼
Fixed assets21/28€215k€194k▼
Intangible fixed assets21€45k€31k▼
Tangible fixed assets22/27€170k€163k▼
Land and buildings22€161k€156k▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€50€50=
Current assets29/58€85k€99k▲
Amounts receivable within one year40/41€12k€4k▼
Other amounts receivable41€12k€4k▼
Cash at bank and in hand54/58€70k€93k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€300k€293k▼
Equity10/15€37k€58k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€18k€39k▲
Provisions and deferred taxes16€75k€69k▼
Provisions for liabilities and charges160/5€75k€69k▼
Other liabilities and charges164/5€75k€69k▼
Amounts payable17/49€188k€166k▼
Amounts payable after more than one year17€119k€110k▼
Financial debts170/4€119k€110k▼
Amounts payable within one year42/48€69k€55k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Advances received on contracts in progress46-€162
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€10k€8k▼
Other amounts payable47/48€45k€34k▼
Accrued charges and deferred income492/3-€441
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-5k€-6k▼
Other operating charges640/8€1k€3k▲
Gross operating margin9900€92k€116k▲
Operating profit (loss)9901€74k€98k▲
Financial income75/76B€9-
Recurring financial income75€9-
Financial charges65/66B€13k€15k▲
Recurring financial charges65€13k€15k▲
Profit (loss) for the period before taxes9903€61k€83k▲
Income taxes67/77€14k€18k▲
Profit (loss) for the period9904€48k€65k▲
Profit (loss) for the period to be appropriated9905€48k€65k▲
Appropriation of the result
Profit (loss) to be appropriated9906€53k€84k▲
Profit (loss) brought forward from the previous period14P€6k€18k▲
Profit to be distributed694/7€35k€44k▲
Return on contributions (dividend)694€35k€44k▲
The notes to these accounts (11 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
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2019net €65k ▲35.8%
Operating result €98k, net result €65k, both a record.
19-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 74 days late
2022
24-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
30-09
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-09
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
18-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2018
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.
Henri Wafelaertsstraat 91060 Sint-Gillis (bij-Brussel)Ground area
172 m²
Building footprint
104 m²
Volume, LiDAR
1,069 m³
Parcel 21013B0379/00N005, Brussels · tallest building 17.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Henri Wafelaertsstraat 9, 1060 Sint-Gillis (bij-Brussel)
since 20182.276.438.560
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0379/00N005 | Brussels | 172 m² | 1 · 104 m² | 17.2 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.
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Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 7,312 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
Founded31-05-2018
Fiscal year end30-09
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.