PN&GO Management
ActiveSummary
PN&GO Management has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €67k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 3187 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+8
Solvency36▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.93 against 0.98 in 2024; short-term debt: 74% and cash: 1.7% of total assets), and 88.8% 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+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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
11.2%
Return on assets
36.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 3187 sector peers (2025).
NBB · sector comparisonPosition among 3187 sector peers
Solvency
better than 16%
← weakest
strongest →
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 08-04-2026, 114 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
114 d early
2024
29 d late
2023
23 d late
2022
2 d late
2021
22 d late
2020
31 d late
2019
84 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€67k▲ 66.9%
2024 · €40k
2018: €75k
2019: €108k
2020: €39k
2021: €48k
2022: €8k
2023: €13k
2024: €40k
2018 → 2025
Working capital
€-10k▼ 243%
2024 · €-3k
2018: €94k
2019: €189k
2020: €207k
2021: €35k
2022: €2k
2023: €17k
2024: €-3k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€22k▼ 43.4%€35k▲ 58.7%€25k▼ 28.7%€21k▼ 17.5%
Operating result€59k-€17k▼ 70.8%€29k▲ 66.6%€58k▲ 100.0%€106k▲ 82.9%
Net result€48k-€8k▼ 83.5%€13k▲ 63.0%€40k▲ 206%€67k▲ 66.9%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 83% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185k
Fixed assets
€58k ▼ 13.9%
Current assets
€127k ▼ 12.0%
Equity and liabilities €185k
Equity
€21k ▼ 17.5%
Debt
€164k ▼ 12.0%
Debt's share of the balance-sheet total rises from 88.1% to 88.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€120k▲
2024 · €69k
Cash flow
€81k▲
2024 · €51k
Current ratio
0.93▼
2024 · 0.98
Debt to equity
7.91▲
2024 · 7.41
ROE
321.4%▲
2024 · 158.8%
ROA
36.1%▲
2024 · 18.9%
Interest coverage
18.94▲
2024 · 15.05
Debt ≤ 1 year
€137k▼
2024 · €147k
Debt > 1 year
€27k▼
2024 · €39k
Income taxes
€35k▲
2024 · €15k
Staff costs
€53k▼
2024 · €58k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€211k€185k▼
Fixed assets21/28€67k€58k▼
Tangible fixed assets22/27€65k€55k▼
Furniture and vehicles24€51k€41k▼
Other tangible fixed assets26€13k€14k▲
Financial fixed assets28€3k€3k=
Current assets29/58€144k€127k▼
Amounts receivable within one year40/41€116k€117k▲
Trade receivables40€18k€24k▲
Other amounts receivable41€98k€93k▼
Cash at bank and in hand54/58€21k€3k▼
Deferred charges and accrued income490/1€7k€7k▼
Equity and liabilities
Total equity and liabilities10/49€211k€185k▼
Equity10/15€25k€21k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€5k€264▼
Amounts payable17/49€186k€164k▼
Amounts payable after more than one year17€39k€27k▼
Financial debts170/4€39k€27k▼
Amounts payable within one year42/48€147k€137k▼
Current portion of amounts payable after more than one year42€11k€12k▲
Financial debts43€20k€25k▲
Credit institutions430/8€20k€25k▲
Trade debts44€39k€3k▼
Suppliers440/4€39k€3k▼
Taxes, remuneration and social security45€26k€26k▼
Taxes450/3€13k€16k▲
Remuneration and social security454/9€13k€10k▼
Other amounts payable47/48€50k€71k▲
Income statement
Code20242025
Remuneration, social security and pensions62€58k€53k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€14k▲
Other operating charges640/8€8k€8k▲
Gross operating margin9900€134k€181k▲
Operating profit (loss)9901€58k€106k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€54k€102k▲
Income taxes67/77€15k€35k▲
Profit (loss) for the period9904€40k€67k▲
Profit (loss) for the period to be appropriated9905€40k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€55k€71k▲
Profit (loss) brought forward from the previous period14P€15k€5k▼
Profit to be distributed694/7€50k€71k▲
Return on contributions (dividend)694€50k€71k▲
Social balance
Average headcount (FTE)90871.21.0▼
The notes to these accounts (10 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
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 23 days late
2023
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 2 days late
2022
31-12
Financial
Weakest financial yearnet €8k ▼83.5%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
2019
31-12
Financial
Highest result since 2018net €108k ▲43.8%
Operating result €145k, net result €108k, both a record.
31-12
Financial
Equity above €200kEq €201k ▲115%
2 profitable years in a row build equity to €201k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Lens (Hainaut) · 1 establishment unit since 2018
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.
Rue Flotte à Parois(Lo) 257870 Lens (Hainaut)Ground area
821 m²
Building footprint
100 m²
Volume, LiDAR
587 m³
Parcel 53047A0098/00F000, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Flotte à Parois(Lo) 25, 7870 Lens (Hainaut)
since 20182.281.191.857
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53047A0098/00F000 | Wallonia | 821 m² | 1 · 100 m² | 7.2 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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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 30,908 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
Founded29-10-2018
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.