Pentacle
ActivePentacle has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100k and a net result of €8k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 80% of 8388 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▼-62
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 6.25 against 5.65 in 2024), and 15.2% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
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
84.8%
Return on assets
6.5%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
1 d early
2023
28 d late
2022
4 d early
2021
3 d early
2020
16 d early
2019
49 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€8k▼ 62.0%
2024 · €20k
2021: €6k
2022: €-15k
2023: €14k
2024: €20k
2021 → 2025
Working capital
€92k▲ 16.0%
2024 · €79k
2021: €62k
2022: €32k
2023: €55k
2024: €79k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€80k-€65k▼ 19.2%€79k▲ 21.4%€93k▲ 18.2%€100k▲ 7.4%
Operating result€14k-€-12k€24k€32k▲ 34.3%€15k▼ 52.4%
Net result€6k-€-15k€14k€20k▲ 45.7%€8k▼ 62.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 52% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €118k
Fixed assets
€9k▼ 40.1%
Current assets
€109k▲ 13.6%
Equity and liabilities €118k
Equity
€100k▲ 7.4%
Debt
€18k▲ 2.5%
The debt ratio falls from 15.8% to 15.2%: equity grows faster than debt.
Key figures and ratios
EBITDA
€21k▼
2024 · €45k
Cash flow
€13k▼
2024 · €33k
Solvency
84.8%▲
2024 · 84.2%
Current ratio
6.25▲
2024 · 5.65
Quick ratio
6.25▲
2024 · 5.65
Debt / equity
0.18▼
2024 · 0.19
ROE
7.7%▼
2024 · 21.7%
ROA
6.5%▼
2024 · 18.3%
Interest coverage
13.02▼
2024 · 43.84
Debt
€18k▲
2024 · €17k
Debt ≤ 1 year
€17k▲
2024 · €17k
Income taxes
€7k▼
2024 · €11k
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
Total assets
20/58€111k€118k▲
Fixed assets
21/28€15k€9k▼
Tangible fixed assets
22/27€15k€9k▼
Current assets
29/58€96k€109k▲
Amounts receivable within one year
40/41€40k€36k▼
Cash & bank
54/58€53k€56k▲
Total equity & liabilities
10/49€111k€118k▲
Equity
10/15€93k€100k▲
Contributions / capital
10/11€19k€19k=
Reserves
13€74k€80k▲
Accumulated profits (losses)
14€663€2k▲
Amounts payable
17/49€17k€18k▲
Amounts payable within one year
42/48€17k€17k▲
Trade debts payable within one year
44€8k€609▼
Income statement
Code20242025
Gross operating margin
9900€51k€24k▼
Operating result
9901€32k€15k▼
Financial income
75€361€670▲
Financial charges
65€1k€2k▲
Result before taxes
9903€31k€14k▼
Income taxes
67/77€11k€7k▼
Net result for the period
9904€20k€8k▼
Result to be appropriated
9905€20k€8k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €100kEq €100k ▲7.4%
3 profitable years in a row build equity to €100k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2021net €20k ▲45.7%
Operating result €32k, net result €20k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
2023
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 6.05
Current ratio from 1.57 to 6.05; short-term debt falls from €57k to €11k.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-15k ▼341%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 49 days late
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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Of 82,118 companies in sector 70200 we hold annual accounts for 51,404. 39,866 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-2005
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62010Computer programming, consultancy and related activities
62020IT consultancy
62900Other information technology and computer services
62100Computer programming
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 28-07-2026. Scores and ratios are computed by Checked and are not a credit decision.