Summary
4pablo has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €411k and a net result of €53k. Equity is growing by ~21% per year across the filed fiscal years. Its solvency ranks better than 45% of 9518 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
on the day
2022
20 d early
2021
74 d late
2020
124 d late
2019
105 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€411k▲ 14.5%
2023 · €359k
2018: €118k
2019: €137k
2020: €200k
2021: €251k
2022: €327k
2023: €359k
2018 → 2024
Total assets
€915k▼ 1.5%
2023 · €929k
2018: €462k
2019: €448k
2020: €558k
2021: €762k
2022: €981k
2023: €929k
2018 → 2024
Net result
€53k▲ 61.8%
2023 · €33k
2018: €15k
2019: €19k
2020: €63k
2021: €52k
2022: €75k
2023: €33k
2018 → 2024
Working capital
€10k
2023 · €-5k
2018: €75k
2019: €69k
2020: €111k
2021: €17k
2022: €59k
2023: €-5k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€200k-€251k▲ 25.8%€327k▲ 30.0%€359k▲ 9.8%€411k▲ 14.5%
Operating result€79k-€74k▼ 6.2%€122k▲ 64.2%€71k▼ 41.6%€91k▲ 27.1%
Net result€63k-€52k▼ 17.5%€75k▲ 46.1%€33k▼ 56.5%€53k▲ 61.8%
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 2024; 2024 is 27% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €915k
Fixed assets
€830k ▼ 2.7%
Current assets
€85k ▲ 12.4%
Equity and liabilities €915k
Equity
€411k ▲ 14.5%
Debt
€504k ▼ 11.5%
Debt's share of the balance-sheet total falls from 61.4% to 55.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
12.9%▲
2023 · 9.1%
ROA
5.8%▲
2023 · 3.5%
Debt ≤ 1 year
€75k▼
2023 · €81k
Debt > 1 year
€422k▼
2023 · €482k
Income taxes
€25k▲
2023 · €21k
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 · 2024 against 2023 · 52 lines
Balance sheet
Code20232024
Assets
Total assets20/58€929k€915k▼
Fixed assets21/28€853k€830k▼
Tangible fixed assets22/27€297k€279k▼
Land and buildings22€278k€271k▼
Leasing and similar rights25€19k€9k▼
Financial fixed assets28€556k€551k▼
Current assets29/58€76k€85k▲
Amounts receivable within one year40/41€49k€80k▲
Trade receivables40€27k€21k▼
Other amounts receivable41€22k€59k▲
Cash at bank and in hand54/58€14k€4k▼
Deferred charges and accrued income490/1€13k€597▼
Equity and liabilities
Total equity and liabilities10/49€929k€915k▼
Equity10/15€359k€411k▲
Contributions10/11€100k€100k=
Outside capital11€100k€100k=
Other1109/19€100k€100k=
Reserves13€259k€311k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€257k€309k▲
Amounts payable17/49€570k€504k▼
Amounts payable after more than one year17€482k€422k▼
Financial debts170/4€482k€422k▼
Amounts payable within one year42/48€81k€75k▼
Current portion of amounts payable after more than one year42€42k€60k▲
Financial debts43-€722
Credit institutions430/8-€722
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€35k€11k▼
Taxes450/3€35k€11k▼
Other amounts payable47/48€1k€1k▲
Accrued charges and deferred income492/3€7k€8k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k=
Other operating charges640/8€4k€3k▼
Non-recurring operating charges66A-€2k
Gross operating margin9900€93k€113k▲
Operating profit (loss)9901€71k€91k▲
Financial income75/76B€62-
Recurring financial income75€62-
Financial charges65/66B€17k€13k▼
Recurring financial charges65€17k€13k▼
Profit (loss) for the period before taxes9903€54k€78k▲
Income taxes67/77€21k€25k▲
Profit (loss) for the period9904€33k€53k▲
Profit (loss) for the period to be appropriated9905€33k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€53k▲
Transfer to equity691/2€32k€52k▲
To other reserves6921€32k€52k▲
Profit to be distributed694/7€900€900=
Return on contributions (dividend)694€900€900=
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
02-09
State Gazette act
Resignations: OSMANA (manager) and Jan Oeyen (permanent representative)3 facts ▸
State Gazette act
Resignations: OSMANA (manager) and Jan Oeyen (permanent representative)
3 facts ▸
- General meeting, 29-12-2025
- Director resignation, OSMANA (manager)
- Director resignation, Jan Oeyen (permanent representative)
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €75k ▲46.1%
Operating result €122k, net result €75k, both a record.
13-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 74 days late
2021
31-12
Financial
Equity above €200kEq €251k ▲25.8%
4 profitable years in a row build equity to €251k.
02-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 124 days late
2020
31-12
Financial
Equity above €150kEq €200k ▲45.5%
3 profitable years in a row build equity to €200k.
13-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 105 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
29-12-2025
Resigned as Manager
Location & real-estate footprint
Registered office, Geel · 1 establishment unit since 2016
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.
Hondstraat 92440 GeelGround area
2,122 m²
Building footprint
253 m²
Volume, LiDAR
1,229 m³
Parcel 13373K0338/00G000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
4pablo
since 20162.255.051.347
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13373K0338/00G000 | Flanders | 2,122 m² | 1 · 253 m² | 8.5 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.
Recognitions · licences · registrations
Legal Entity Identifier
529900DNME1OXG39ER43
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OPTICAL
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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 6,146 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 (pre-2019)
Founded28-06-2016
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
64210Activities of holding companies
70200Business and other management consultancy
73300Public relations and communication 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.