Active BE 0742.734.641Private limited company

PINTELON KOEN

Heistlaan 106 ·8301 Knokke-Heist, Belgium· 6 yrs active

Sector: Wholesale trade (46370)

Conclusion Checked

PINTELON KOEN has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.03M and a net result of €208k. Its solvency ranks better than 74% of 972 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€1.03M
Net result	€208k
Staff (FTE)	0.5
Better than sector	74%

Financial profile 5 of 5 axes measured · computed by Checked

88 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 93

Profitability 100

Solvency 97

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

1.3% Low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2020, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2024 · computed

93 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview5 NBB filings

Annual accounts filed on 17-09-2025 with the NBB · fiscal year 2024 · abbreviated schema

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	54.2%	27.2%	better than 74% of 972 sector peers
Net result	€208k	€23k	better than 82% of 972 sector peers
Equity	€1.03M	€171k	better than 82% of 972 sector peers
Gross operating margin	€432k	€173k	better than 71% of 970 sector peers
Staff costs	€26k	€166k	higher than 11% of 599 sector peers

EBITDA

€404k

-1.6% 23-24

Net profit

€208k

-5.5% 23-24

Cash flow

€319k

-1.6% 23-24

Total assets

€1.90M

+6.8% 23-24

Equity

€1.03M

+25.4% 23-24

Working capital

€670k

+49.9% 23-24

Employees (FTE)

1

0.0% 23-24

Staff costs

€26k

+14.6% 23-24

Income taxes

€67k

+7.3% 23-24

Debt

€870k

-9.1% 23-24

Debt ≤ 1y

€170k

-3.6% 23-24

Debt > 1y

€700k

-10.4% 23-24

Current ratio

4.94

+39.8% 23-24

Quick ratio

4.27

+45.3% 23-24

Solvency

54.2%

+17.4% 23-24

Debt / equity

0.85

-27.5% 23-24

ROE

20.2%

-24.6% 23-24

ROA

11.0%

-11.5% 23-24

Interest coverage

13.88

-7.3% 23-24

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	abbreviated schema
Revenue	-
EBITDA	€404k
Net profit	€208k
Cash flow	€319k
Staff costs	€26k
Income taxes	€67k
Dividends	-
Total assets	€1.90M
Equity	€1.03M
Debt	€870k
of which ≤ 1y	€170k
of which > 1y	€700k
Working capital	€670k
Employees (FTE)	0.5

Ratios (computed)

	2024
Current ratio	4.94
Quick ratio	4.27
Working capital ratio	35.3%
Solvency	54.2%
Debt / equity	0.85
Long-term debt ratio	0.68
Interest coverage	13.88
Gross margin	-
Net margin	-
ROA	11.0%
ROE	20.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Balance-sheet composition 2024

Assets

Fixed assets €1.06M · 55.8% Current assets €840k · 44.2%

Equity & liabilities

Equity €1.03M · 54.2% Debt €870k · 45.8%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.90M
Fixed assets	21/28	€1.06M
Intangible fixed assets	21	€152k
Tangible fixed assets	22/27	€907k
Current assets	29/58	€840k
Stocks & contracts in progress	3	€113k
Amounts receivable within one year	40/41	€341k
Investments	50/53	€250k
Cash & bank	54/58	€130k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.90M
Equity	10/15	€1.03M
Contributions / capital	10/11	€5k
Accumulated profits (losses)	14	€1.02M
Amounts payable	17/49	€870k
Amounts payable after one year	17	€700k
Amounts payable within one year	42/48	€170k
Trade debts payable within one year	44	€44k
Income statement
Gross operating margin	9900	€432k
Operating result	9901	€294k
Financial income	75	€10k
Financial charges	65	€29k
Result before taxes	9903	€275k
Income taxes	67/77	€67k
Net result for the period	9904	€208k
Result to be appropriated	9905	€208k

Legal Structure

NACE primary	Wholesale trade(46370)
Legal form	Private limited company(610)
Incorporation	30-01-2020
Status	Active
Postal code	8301

Establishment units 1 location

PINTELON KOEN

Heistlaan 106, 8301 Knokke-HeistAgents in the wholesale of food, beverages and tobacco

since 20202.299.313.140

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31008A0102/00T006	Flanders	520 m²	1 · 171 m²	10.6 m · 1 fl.

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.

Updates 5 events

All 6Financial 1Filings 5

2025

17-09

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 48 days late

2024

31-12

Financial Equity above €1MEq €1.03M ▲25.4%

2 profitable years in a row build equity to €1.03M.

30-09

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema · 61 days late

2023

30-09

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 61 days late

2022

27-08

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema · 27 days late

2021

30-09

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 61 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Wholesale trade46370Retail sale of solid, liquid and gaseous fuels, excluding motor fuels47781Retail trade47990Other amusement and recreation activities93299

Names & trade names

Legal nameNL

PINTELON KOEN

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