Summary
PENTACON is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €91.56M and a net result of €2.61M. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 86% of 5527 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-12-2025, 39 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
39 d early
2024
57 d early
2023
49 d early
2022
42 d early
2021
42 d early
2020
51 d early
2019
49 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€91.56M▼ 1.1%
2024 · €92.57M
2019: €51.72M
2020: €58.27M
2021: €81.76M
2022: €88.10M
2023: €90.84M
2024: €92.57M
2019 → 2025
Net result
€2.61M▲ 51.0%
2024 · €1.73M
2019: €3.61M
2020: €6.48M
2021: €23.49M
2022: €6.34M
2023: €2.74M
2024: €1.73M
2019 → 2025
Total assets
€101.04M▼ 0.4%
2024 · €101.46M
2019: €64.74M
2020: €72.97M
2021: €92.62M
2022: €96.75M
2023: €99.13M
2024: €101.46M
2019 → 2025
Solvency
90.6%▼ 0.6pp
2024 · 91.2%
2019: 79.9%
2020: 79.9%
2021: 88.3%
2022: 91.1%
2023: 91.6%
2024: 91.2%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€81.76M-€88.10M▲ 7.8%€90.84M▲ 3.1%€92.57M▲ 1.9%€91.56M▼ 1.1%
Operating result€-863k-€-1.34M▼ 54.7%€-3.51M▼ 163%€-2.52M▲ 28.1%€-3.98M▼ 57.7%
Net result€23.49M-€6.34M▼ 73.0%€2.74M▼ 56.8%€1.73M▼ 36.9%€2.61M▲ 51.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3.98M in 2025 against €2.52M in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101.04M
Fixed assets
€46.63M ▲ 14.3%
Current assets
€54.41M ▼ 10.3%
Equity and liabilities €101.04M
Equity
€91.56M ▼ 1.1%
Debt
€9.48M ▲ 6.6%
Debt's share of the balance-sheet total rises from 8.8% to 9.4%. Equity is lower and debt is higher.
Key figures and ratios
ROE
2.8%▲
2024 · 1.9%
ROA
2.6%▲
2024 · 1.7%
Debt ≤ 1 year
€2.33M▲
2024 · €1.73M
Debt > 1 year
€7.15M=
2024 · €7.15M
Income taxes
€0▼
2024 · €71k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€101.46M€101.04M▼
Fixed assets21/28€40.80M€46.63M▲
Tangible fixed assets22/27€14.55M€14.18M▼
Land and buildings22€9.28M€8.96M▼
Plant, machinery and equipment23€4.97M€4.91M▼
Furniture and vehicles24€308k€306k▼
Financial fixed assets28€26.24M€32.45M▲
Current assets29/58€60.66M€54.41M▼
Amounts receivable after more than one year29€3.00M-
Other amounts receivable291€3.00M-
Amounts receivable within one year40/41€30.90M€37.77M▲
Trade receivables40€152k€33k▼
Other amounts receivable41€30.75M€37.74M▲
Current investments50/53€24.20M€8.18M▼
Cash at bank and in hand54/58€2.56M€8.45M▲
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€101.46M€101.04M▼
Equity10/15€92.57M€91.56M▼
Contributions10/11€39.45M€39.45M=
Reserves13€20.86M€17.24M▼
Tax-exempt reserves132€148k€142k▼
Distributable reserves133€20.71M€17.10M▼
Profit (loss) carried forward14€32.26M€34.87M▲
Amounts payable17/49€8.89M€9.48M▲
Amounts payable after more than one year17€7.15M€7.15M=
Financial debts170/4€7.15M€7.15M=
Amounts payable within one year42/48€1.73M€2.33M▲
Financial debts43-€1.00M
Credit institutions430/8-€1.00M
Trade debts44€578k€328k▼
Suppliers440/4€578k€328k▼
Taxes, remuneration and social security45€156k-
Taxes450/3€156k-
Other amounts payable47/48€995k€1.00M▲
Accrued charges and deferred income492/3€11k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€987k€932k▼
Other operating charges640/8€26k€52k▲
Gross operating margin9900€-1.51M€-2.99M▼
Operating profit (loss)9901€-2.52M€-3.98M▼
Financial income75/76B€4.92M€6.65M▲
Recurring financial income75€4.54M€3.22M▼
Non-recurring financial income76B€381k€3.44M▲
Financial charges65/66B€597k€66k▼
Recurring financial charges65€597k€66k▼
Profit (loss) for the period before taxes9903€1.80M€2.61M▲
Income taxes67/77€71k€0▼
Profit (loss) for the period9904€1.73M€2.61M▲
Transfer from tax-exempt reserves789€6k€6k=
Profit (loss) for the period to be appropriated9905€1.73M€2.61M▲
Appropriation of the result
Profit (loss) to be appropriated9906€32.26M€34.87M▲
Profit (loss) brought forward from the previous period14P€30.53M€32.26M▲
Transfer from equity791/2-€3.62M
Profit to be distributed694/7-€3.62M
Return on contributions (dividend)694-€3.62M
The notes to these accounts (14 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
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
05-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Weakest financial yearnet €1.73M ▼36.9%
Net result drops to €1.73M, the lowest in the series; recovery starts the following year.
2023
13-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Liquidity triplescurrent ratio 45.83
Current ratio from 17.06 to 45.83; short-term debt falls from €3.71M to €1.50M.
06-01
State Gazette act
General meeting · Director reappointment
Permanent representative
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Highest result since 2019net €23.49M ▲262%
Net result €23.49M, the highest in the series.
30-06
Financial
Liquidity times 5current ratio 17.06
Current ratio from 3.61 to 17.06; short-term debt falls from €6.44M to €3.71M.
2020
11-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
13-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
26-01
State Gazette act
Share issue · Bank account
Capital increase · Statutes amendment
15-01
State Gazette act
General meeting · Capital
Corporate purpose · Statutes amendment · Eric SPRUYT
2017
15-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
24-10
State Gazette act
Permanent representative · Share issue
Bank account · Capital increase
2016
06-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2012
28-08
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
25-07
State Gazette act
General meeting · Capital increase
Capital · Share issue · Frank Liesse
02-07
State Gazette act
General meeting · Director reappointment
Permanent representative · Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Evere · 2 establishment units since 2006
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.
Optimismelaan 11140 EvereGround area
1.5 ha
Building footprint
1,802 m²
Volume, LiDAR
13,390 m³
2 parcels, Brussels, Flanders · tallest building 19.2 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
PENTACON
since 20062.163.303.601
PENTACON
since 20172.264.695.226
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44018C0230/00C003 | Flanders | 1.3 ha | 1 · 1,251 m² | 6.3 m · 2 fl. |
| 21372C0024/00C002 | Brussels | 1,646 m² | 1 · 551 m² | 19.2 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
7 connected companiesLinked via shared directors
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Show 3 more companies with a shared director
Shared director
→
Shared director
→
Shared director
→
Ownership & control
2 board mandatesBoard mandates of this companythis company sits on their board2
143 locations
1 location
Recognitions · licences · registrations
Legal Entity Identifier
967600T6N9CUNPQ9XO34
Similar companies · same sector, comparable size
DULE-13
BE 0898.959.574
Tournai · Eq €91.40M
Safran Investments
BE 0765.892.501
Oud-Turnhout · Eq €91.31M
Unibra
BE 0402.833.179
Watermaal-Bosvoorde · Eq €91.28M
Tech Tribes Group
BE 1006.330.359
Antwerpen · Eq €91.27M
European Estate Management
BE 0407.869.261
Antwerpen · Eq €90.94M
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 1,904 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
Founded28-08-2006
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.