PN INVEST
ActiveSummary
PN INVEST has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.60M and a net result of €63k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 41% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▲+2
Solvency70▲+2
Growth52=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity short (current ratio 0.02 against 0.04 in 2024; short-term debt: 28.4% and cash: 0.1% of total assets), and 54.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
45.3%
Return on assets
1.8%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
39 d late
2023
69 d late
2022
70 d late
2021
30 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, micro schema
Equity
€1.60M▲ 4.1%
2024 · €1.54M
2021: €1.38M
2022: €1.45M
2023: €1.50M
2024: €1.54M
2021 → 2025
Total assets
€3.53M▼ 0.4%
2024 · €3.55M
2021: €3.56M
2022: €3.69M
2023: €3.53M
2024: €3.55M
2021 → 2025
Net result
€63k▲ 68.5%
2024 · €37k
2021: €65k
2022: €71k
2023: €51k
2024: €37k
2021 → 2025
Working capital
€-985k▼ 34.3%
2024 · €-733k
2021: €-250k
2022: €-193k
2023: €-456k
2024: €-733k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.38M-€1.45M▲ 5.1%€1.50M▲ 3.5%€1.54M▲ 2.5%€1.60M▲ 4.1%
Operating result€111k-€113k▲ 2.2%€115k▲ 1.7%€114k▼ 0.8%€113k▼ 0.7%
Net result€65k-€71k▲ 9.2%€51k▼ 27.8%€37k▼ 27.1%€63k▲ 68.5%
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 two years in a row; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.53M
Fixed assets
€3.51M =
Current assets
€19k ▼ 42.2%
Equity and liabilities €3.53M
Equity
€1.60M ▲ 4.1%
Debt
€1.93M ▼ 3.8%
Debt's share of the balance-sheet total falls from 56.6% to 54.7%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
0.02▼
2024 · 0.04
Debt to equity
1.21▼
2024 · 1.31
ROE
3.9%▲
2024 · 2.4%
ROA
1.8%▲
2024 · 1.1%
Debt ≤ 1 year
€1.00M▲
2024 · €765k
Debt > 1 year
€929k▼
2024 · €1.24M
Income taxes
€21k▼
2024 · €29k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.55M€3.53M▼
Fixed assets21/28€3.51M€3.51M=
Financial fixed assets28€3.51M€3.51M=
Current assets29/58€32k€19k▼
Amounts receivable within one year40/41€32k€16k▼
Trade receivables40€24k€12k▼
Other amounts receivable41€8k€4k▼
Cash at bank and in hand54/58€84€2k▲
Equity and liabilities
Total equity and liabilities10/49€3.55M€3.53M▼
Equity10/15€1.54M€1.60M▲
Contributions10/11€1.31M€1.31M=
Reserves13€225k€288k▲
Distributable reserves133€225k€288k▲
Amounts payable17/49€2.01M€1.93M▼
Amounts payable after more than one year17€1.24M€929k▼
Financial debts170/4€1.24M€929k▼
Amounts payable within one year42/48€765k€1.00M▲
Current portion of amounts payable after more than one year42€335k€321k▼
Trade debts44€244€818▲
Suppliers440/4€244€818▲
Taxes, remuneration and social security45€8k€8k▲
Taxes450/3€8k€8k▲
Other amounts payable47/48€422k€673k▲
Income statement
Code20242025
Other operating charges640/8€62€62=
Gross operating margin9900€114k€113k▼
Operating profit (loss)9901€114k€113k▼
Financial income75/76B€9-
Recurring financial income75€9-
Financial charges65/66B€47k€29k▼
Recurring financial charges65€47k€29k▼
Profit (loss) for the period before taxes9903€67k€84k▲
Income taxes67/77€29k€21k▼
Profit (loss) for the period9904€37k€63k▲
Profit (loss) for the period to be appropriated9905€37k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€37k€63k▲
Transfer to equity691/2€37k€63k▲
To other reserves6921€37k€63k▲
The notes to these accounts (4 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 39 days late
2024
31-12
Financial
Weakest financial yearnet €37k ▼27.1%
Net result drops to €37k, the lowest in the series; recovery starts the following year.
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-12
Financial
Highest result since 2021net €71k ▲9.2%
Net result €71k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
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, Hasselt · 1 establishment unit since 2020
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.
Goorstraat 733511 HasseltGround area
1.3 ha
Building footprint
228 m²
Volume, LiDAR
1,046 m³
Parcel 71056A0016/00R002, Flanders · tallest building 14.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PN INVEST
since 20202.316.776.011
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71056A0016/00R002 | Flanders | 1.3 ha | 1 · 228 m² | 14.6 m · 1 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. 22,676 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
Founded20-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.