Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 4 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
PECUNIA from Schilde, company number BE0432835378, closed financial year 2025 with a result of € -20,424 after tax. For that financial year PECUNIA recorded a gross margin of € 6,178 and equity of € 325,903. Compared with financial year 2024, the result moved from € 15,826 to € -20,424. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 12, 2026.
€ 325,903
▼ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -20,424
▼ still € 15,826 profit in 2024
Profit after tax over the fiscal year.
€ 1,978
▼ 52% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 250,903.
People and assets in 2025
€ 17,774
▼ 37% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 18,440
▼ 35% vs 2024
€ 10,307 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 126
▲ 251% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 386,075 | € -8,221 | € 28,398 | € 6,178 | ▼ 78% |
| Profit after taxes | € 218,463 | € -20,034 | € 15,826 | € -20,424 | ▼ € 36,250 |
| Equity | € 701,276 | € 681,241 | € 346,328 | € 325,903 | ▼ 6% |
| Total debts | € 71,520 | € 96,111 | € 132,069 | € 65,455 | ▼ 50% |
| Cash | € 412,953 | € 63,677 | € 4,134 | € 1,978 | ▼ 52% |
| Land & buildings | € 336,690 | € 318,167 | € 299,643 | € 281,120 | ▼ 6% |
| Retained profit | € 626,276 | € 606,241 | € 271,328 | € 250,903 | ▼ 8% |
| Dividend | € 15,000 | € 0 | € 350,740 | € 0 | ▼ 100% |
| Bank debt | € 0 | € 37,339 | € 28,164 | € 18,440 | ▼ 35% |
| Balance sheet total | € 838,702 | € 839,140 | € 536,064 | € 444,908 | ▼ 17% |
Key figures of PECUNIA, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 July 2027.
What happened to PECUNIA?
What happened at PECUNIA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 20,424 (▼ € 36,250 vs 2024). Source: NBB ↗
- New establishment in Schilde. KBO
- Start of the company according to the CBE. KBO
In short
From € 218,463 profit in 2022 to € 20,424 loss in 2025.
Paid € 179,860 in corporate taxes since 2022.
Best year ever: 2022, with € 218,463 profit.
Paid out € 365,740 in dividends to the owners in total.
Management
Behind PECUNIA is GUIDO VAN DEN HEUVEL.
Directors
According to the 2025 annual accounts
GUIDO VAN DEN HEUVEL
Managing director
Establishments
Establishment units
Physical locations of this company
Kasteeldreef 86
2970 Schilde
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0432.835.378
- VAT number
- BE 0432.835.378
- Registered office
- Kasteeldreef 86, 2970 Schilde
- Names & denominations
- PECUNIA
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 14 December 1987
- Peppol
- Not registered