Active BE 0727.410.423Private limited company

PYCK CONSULT

Bervoetstraat 47 ·2000 Antwerpen, Belgium· 7 yrs active

Sector: Activities of holding companies (64210)

Conclusion Checked

PYCK CONSULT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €2k and a net result of €100k. Equity is shrinking by ~47.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 10% of 3146 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Key figures

Equity	€2k
Net result	€100k
Better than sector	10%
Active	7 yrs

Financial profile 4 of 5 axes measured · computed by Checked

68 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 12

Growth 58

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2019, 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

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.

Financial overview6 NBB filings

Annual accounts filed on 15-07-2025 with the NBB · fiscal year 2024 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining At this pace, equity would indicatively turn negative around fiscal year 2025, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 64, Financial service activities, except insurance and pension funding · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	1.5%	52.5%	better than 10% of 3146 sector peers
Net result	€100k	€32k	better than 82% of 3142 sector peers
Equity	€2k	€75k	better than 9% of 3147 sector peers
Gross operating margin	€140k	€52k	better than 82% of 3139 sector peers
Total assets	€137k	€192k	better than 39% of 3148 sector peers

Net profit

€100k

+1.8% 22-24

Total assets

€137k

-0.3% 22-24

Equity

€2k

-98.0% 22-24

Income taxes

€37k

+28.3% 22-24

Dividends

€199k

+380.9% 22-24

Debt

€135k

+267.6% 22-24

Debt ≤ 1y

€135k

+267.6% 22-24

Solvency

1.5%

-98.0% 22-24

ROE

5020.7%

+5022.6% 22-24

ROA

73.3%

+2.1% 22-24

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2024	2023	2022
Deposit	micro schema	abbreviated schema	micro schema
Revenue	n/a	n/a	n/a
EBITDA	n/a	n/a	n/a
Net profit	€100k	€99k	€41k
Cash flow	n/a	n/a	n/a
Staff costs	-	-	-
Income taxes	€37k	€29k	€12k
Dividends	€199k	€41k	€206k
Total assets	€137k	€137k	€217k
Equity	€2k	€101k	€43k
Debt	€135k	€37k	€174k
of which ≤ 1y	€135k	€37k	€174k
of which > 1y	-	-	-
Working capital	n/a	n/a	n/a
Employees (FTE)	-	-	-

Note: these years are not on the same basis. The filed schemas differ (micro schema, abbreviated schema), so the columns are not directly comparable.

Ratios (computed)

	2024	2023	2022
Current ratio	n/a	n/a	n/a
Quick ratio	n/a	n/a	n/a
Working capital ratio	n/a	n/a	n/a
Solvency	1.5%	73.3%	19.9%
Debt / equity	n/a	n/a	n/a
Long-term debt ratio	n/a	n/a	n/a
Interest coverage	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a
Net margin	n/a	n/a	n/a
ROA	73.3%	71.8%	19.0%
ROE	5020.7%	98.0%	95.4%
EBITDA margin	n/a	n/a	n/a
Days sales outstanding	n/a	n/a	n/a
Days payable outstanding	n/a	n/a	n/a
Inventory turnover	n/a	n/a	n/a
Days inventory (DSI)	n/a	n/a	n/a

Balance-sheet composition 2024

Assets

Fixed assets €4k · 2.6% Current assets €133k · 97.4%

Equity & liabilities

Equity €2k · 1.5% Debt €135k · 98.5%

Full annual accounts (22 line items)

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

Line item	Code	2024	2023	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€137k	€137k	€217k
Fixed assets	21/28	€4k	€5k	€4k
Tangible fixed assets	22/27	€4k	€5k	€4k
Current assets	29/58	€133k	€132k	€213k
Amounts receivable within one year	40/41	€68k	€65k	€21k
Investments	50/53	€50k	-	-
Cash & bank	54/58	€14k	€67k	€192k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€137k	€137k	€217k
Equity	10/15	€2k	€101k	€43k
Contributions / capital	10/11	€2k	€2k	€2k
Accumulated profits (losses)	14	€0	€99k	€41k
Amounts payable	17/49	€135k	€37k	€174k
Amounts payable within one year	42/48	€135k	€37k	€174k
Trade debts payable within one year	44	€3k	€3k	€620
Income statement
Gross operating margin	9900	€140k	€129k	€100k
Operating result	9901	€138k	€126k	€97k
Financial income	75	€0	€2k	-
Financial charges	65	€67	€88	€44k
Result before taxes	9903	€138k	€128k	€53k
Income taxes	67/77	€37k	€29k	€12k
Net result for the period	9904	€100k	€99k	€41k
Result to be appropriated	9905	€100k	€99k	€41k

Legal Structure

NACE primary	Activities of holding companies(64210)
Legal form	Private limited company(610)
Incorporation	23-05-2019
Status	Active
Postal code	2000

Establishment units 1 location

PYCK CONSULT

Bervoetstraat 47, 2000 AntwerpenActivities of head offices

since 20192.289.459.128

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11804D2009/00L000	Flanders	137 m²	1 · 82 m²	17.1 m · 5 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 6 events

All 9Financial 3Filings 6

2025

15-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2022net €100k ▲1.8%

Operating result €138k, net result €100k, both a record.

19-06

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

31-12

Financial Liquidity triplescurrent ratio 3.59

Current ratio from 1.22 to 3.59; short-term debt falls from €174k to €37k.

31-12

Financial Equity above €100kEq €101k ▲132%

2 profitable years in a row build equity to €101k.

23-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

04-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

22-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

01-07

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

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

Holdings64200Activities of holding companies64210Manufacture of medical and dental instruments and supplies32500

Names & trade names

Legal nameNL

PYCK CONSULT

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