Pio d'Oro
ActivePio d'Oro has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €226k and a net result of €15k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 49% of 643 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▲+13
Solvency64=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 1.69 against 1.76 in 2024; short-term debt: 46.2% and cash: 9.4% of total assets), but 60.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 32
Relative position
BE, all sectors
reference
Sector 32
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
39.4%
Return on assets
2.7%
Age of the figures
12 mo
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
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 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
33 d early
2022
51 d early
2021
25 d early
2020
32 d early
2019
38 d early
← before the deadline
after the deadline →
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
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€226k▲ 7.4%
2024 · €210k
2018: €143k
2019: €156k
2020: €176k
2021: €191k
2022: €197k
2023: €206k
2024: €210k
2018 → 2025
Total assets
€573k▲ 5.1%
2024 · €545k
2018: €502k
2019: €514k
2020: €525k
2021: €537k
2022: €559k
2023: €553k
2024: €545k
2018 → 2025
Net result
€15k▲ 237%
2024 · €5k
2018: €616
2019: €13k
2020: €21k
2021: €15k
2022: €6k
2023: €8k
2024: €5k
2018 → 2025
Working capital
€183k▲ 0.3%
2024 · €182k
2018: €151k
2019: €163k
2020: €183k
2021: €196k
2022: €162k
2023: €171k
2024: €182k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€191k-€197k▲ 3.1%€206k▲ 4.3%€210k▲ 2.2%€226k▲ 7.4%
Operating result€32k-€22k▼ 32.8%€29k▲ 36.4%€27k▼ 9.6%€43k▲ 62.9%
Net result€15k-€6k▼ 60.5%€8k▲ 42.8%€5k▼ 45.4%€15k▲ 237%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 63% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €573k
Fixed assets
€125k▲ 0.9%
Current assets
€447k▲ 6.3%
Equity and liabilities €573k
Equity
€226k▲ 7.4%
Debt
€347k▲ 3.7%
The debt ratio falls from 61.4% to 60.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€67k▲
2024 · €46k
Cash flow
€40k▲
2024 · €24k
Solvency
39.4%▲
2024 · 38.6%
Current ratio
1.69▼
2024 · 1.76
Quick ratio
0.21▲
2024 · 0.17
Debt / equity
1.54▼
2024 · 1.59
ROE
6.9%▲
2024 · 2.2%
ROA
2.7%▲
2024 · 0.8%
Interest coverage
3.46▲
2024 · 2.23
Debt
€347k▲
2024 · €335k
Debt ≤ 1 year
€265k▲
2024 · €239k
Debt > 1 year
€67k▼
2024 · €81k
Income taxes
€9k▲
2024 · €3k
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
Assets
Total assets20/58€545k€573k▲
Fixed assets21/28€124k€125k▲
Tangible fixed assets22/27€119k€120k▲
Land and buildings22€119k€104k▼
Furniture and vehicles24-€16k
Financial fixed assets28€5k€5k=
Current assets29/58€421k€447k▲
Stocks and contracts in progress3€381k€391k▲
Stocks30/36€381k€391k▲
Amounts receivable within one year40/41€3k€523▼
Trade receivables40€2k€0▼
Other amounts receivable41€571€523▼
Cash at bank and in hand54/58€36k€54k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€545k€573k▲
Equity10/15€210k€226k▲
Contributions10/11€150k€150k=
Reserves13€57k€72k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€57k€72k▲
Profit (loss) carried forward14€3k€3k=
Amounts payable17/49€335k€347k▲
Amounts payable after more than one year17€81k€67k▼
Financial debts170/4€81k€67k▼
Amounts payable within one year42/48€239k€265k▲
Current portion of amounts payable after more than one year42€19k€26k▲
Trade debts44€8k€28k▲
Suppliers440/4€8k€28k▲
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€5k€9k▲
Other amounts payable47/48€206k€201k▼
Accrued charges and deferred income492/3€15k€15k▼
Income statement
Code20242025
Non-recurring operating income76A-€452
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€24k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€47k€70k▲
Operating profit (loss)9901€27k€43k▲
Financial income75/76B€1k€414▼
Recurring financial income75€1k€414▼
Financial charges65/66B€20k€20k▼
Recurring financial charges65€20k€20k▼
Profit (loss) for the period before taxes9903€7k€24k▲
Income taxes67/77€3k€9k▲
Profit (loss) for the period9904€5k€15k▲
Profit (loss) for the period to be appropriated9905€5k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€19k▲
Profit (loss) brought forward from the previous period14P€3k€3k=
Transfer to equity691/2€5k€15k▲
To other reserves6921€5k€15k▲
The notes to these accounts (17 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €200kEq €206k ▲4.3%
6 profitable years in a row build equity to €206k.
10-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Highest result since 2018net €21k ▲64.6%
Net result €21k, the highest in the series.
23-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €150kEq €156k ▲8.8%
2 profitable years in a row build equity to €156k.
25-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB 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, Moorslede · 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.
Plaats 438890 MoorsledeGround area
298 m²
Building footprint
141 m²
Volume, LiDAR
906 m³
Parcel 36003A1048/00E000, Flanders · tallest building 12.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pio d'Oro
since 20102.191.856.045
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36003A1048/00E000 | Flanders | 298 m² | 1 · 141 m² | 12.3 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.
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PERIDOOT
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Of 1,530 companies in sector 32123 we hold annual accounts for 225. 154 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-08-2010
Fiscal year end30-09
Activities, NACEBEL
32123Manufacture of jewellery
47770Retail sale of watches and jewellery
32130Manufacture of imitation jewellery and related articles
46480Wholesale trade
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
95250Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.piodoro.be