Summary
PGco 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 €386k and a net result of €29k. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 51% of 8023 sector peers (fiscal year 2025). The company has been active since 2010 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 advice 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 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
on the day
2023
on the day
2022
on the day
2021
30 d early
2020
30 d early
2019
30 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 30-09-2026 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
€386k▼ 6.5%
2024 · €413k
2018: €196k
2019: €251k
2020: €341k
2021: €376k
2022: €422k
2023: €441k
2024: €413k
2018 → 2025
Net result
€29k▼ 48.9%
2024 · €57k
2018: €82k
2019: €104k
2020: €160k
2021: €114k
2022: €154k
2023: €85k
2024: €57k
2018 → 2025
Total assets
€741k▼ 9.6%
2024 · €819k
2018: €389k
2019: €481k
2020: €560k
2021: €968k
2022: €934k
2023: €878k
2024: €819k
2018 → 2025
Solvency
52.1%▲ 1.7pp
2024 · 50.4%
2018: 50.2%
2019: 52.2%
2020: 60.8%
2021: 38.9%
2022: 45.2%
2023: 50.2%
2024: 50.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€376k-€422k▲ 12.0%€441k▲ 4.6%€413k▼ 6.4%€386k▼ 6.5%
Operating result€134k-€207k▲ 55.0%€101k▼ 51.3%€74k▼ 26.4%€45k▼ 39.0%
Net result€114k-€154k▲ 34.7%€85k▼ 44.5%€57k▼ 33.4%€29k▼ 48.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 39% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €741k
Fixed assets
€508k ▼ 7.5%
Current assets
€233k ▼ 13.8%
Equity and liabilities €741k
Equity
€386k ▼ 6.5%
Debt
€355k ▼ 12.7%
Debt's share of the balance-sheet total falls from 49.6% to 47.9%. Equity and debt are lower.
Key figures and ratios
ROE
7.5%▼
2024 · 13.8%
ROA
3.9%▼
2024 · 6.9%
Debt ≤ 1 year
€44k▼
2024 · €60k
Debt > 1 year
€311k▼
2024 · €346k
Income taxes
€28k▲
2024 · €10k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€819k€741k▼
Fixed assets21/28€549k€508k▼
Tangible fixed assets22/27€549k€508k▼
Land and buildings22€484k€464k▼
Plant, machinery and equipment23€9k€5k▼
Furniture and vehicles24€56k€39k▼
Current assets29/58€270k€233k▼
Stocks and contracts in progress3€138k€109k▼
Stocks30/36€138k€109k▼
Amounts receivable within one year40/41€66k€15k▼
Trade receivables40€17k€15k▼
Other amounts receivable41€49k€406▼
Current investments50/53€21k€94k▲
Cash at bank and in hand54/58€43k€13k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€819k€741k▼
Equity10/15€413k€386k▼
Contributions10/11€19k€19k=
Reserves13€359k€330k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€357k€330k▼
Profit (loss) carried forward14€35k€37k▲
Amounts payable17/49€406k€355k▼
Amounts payable after more than one year17€346k€311k▼
Financial debts170/4€346k€311k▼
Amounts payable within one year42/48€60k€44k▼
Current portion of amounts payable after more than one year42€34k€35k▲
Financial debts43€154€92▼
Credit institutions430/8€154€92▼
Trade debts44€4k€6k▲
Suppliers440/4€4k€6k▲
Taxes, remuneration and social security45€10k€3k▼
Taxes450/3€10k€3k▼
Other amounts payable47/48€12k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€41k▲
Other operating charges640/8€4k€13k▲
Non-recurring operating charges66A€3k-
Gross operating margin9900€122k€99k▼
Operating profit (loss)9901€74k€45k▼
Financial income75/76B€273€23k▲
Recurring financial income75€273€23k▲
Financial charges65/66B€8k€12k▲
Recurring financial charges65€8k€12k▲
Profit (loss) for the period before taxes9903€67k€57k▼
Income taxes67/77€10k€28k▲
Profit (loss) for the period9904€57k€29k▼
Profit (loss) for the period to be appropriated9905€57k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€92k€64k▼
Profit (loss) brought forward from the previous period14P€35k€35k=
Transfer from equity791/2€65k€58k▼
Transfer to equity691/2€37k€29k▼
To other reserves6921€37k€29k▼
Profit to be distributed694/7€85k€56k▼
Return on contributions (dividend)694€65k€56k▼
Directors or managers695€20k-
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
03-09
State Gazette act
General meeting · Director resignation
Permanent representative
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €29k ▼48.9%
Net result drops to €29k, the lowest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Highest result since 2018net €160k ▲54.2%
Net result €160k, the highest in the series.
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €200kEq €251k ▲28.6%
2 profitable years in a row build equity to €251k.
31-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Oosterzele · 1 establishment unit since 2010
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.
Rattepas 79860 OosterzeleGround area
1,103 m²
Building footprint
149 m²
Volume, LiDAR
887 m³
Parcel 44046A0499/00C000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PGco
since 20102.194.372.897
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44046A0499/00C000 | Flanders | 1,103 m² | 1 · 149 m² | 8.6 m · 2 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
Legal Entity Identifier
875500ABYXD5LERFJQ70
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,777 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
Founded06-10-2010
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.