ALL PAVAGE
ActiveThe computed 12-month bankruptcy probability of ALL PAVAGE is 2.1% (moderate). The 2025 annual accounts show equity of €69k and a net result of €5k. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 48% of 7391 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-14
Solvency67▼-23
Growth68▲+26
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.16 against 3.52 in 2024; short-term debt: 29.2% of total assets), but 58.1% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
41.9%
Return on assets
2.8%
Age of the figures
11 mo
neutral · Filed after the deadline
The financial year that closed on 31-10-2025 was due by 31-05-2026 and was filed on 01-06-2026, 1 day 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 · 3 filingsDeviation from the deadline
2025
1 d late
2024
2 d late
2023
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-10-2026 and is due by 31-05-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-10-2026 close31-05-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€305k▲ 50.5%
2024 · €203k
2023: €211k
2024: €203k
2023 → 2025
EBIT margin
3.5%▼ 3.2pp
2024 · 6.7%
2023: 35.2%
2024: 6.7%
2023 → 2025
Net result
€5k▼ 52.8%
2024 · €10k
2023: €49k
2024: €10k
2023 → 2025
Working capital
€56k▼ 7.7%
2024 · €60k
2023: €40k
2024: €60k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€211k-€203k▼ 3.9%€305k▲ 50.5%
Equity€54k-€64k▲ 18.2%€69k▲ 7.3%
Operating result€74k-€14k▼ 81.8%€11k▼ 20.6%
Net result€49k-€10k▼ 80.0%€5k▼ 52.8%
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 21% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €165k
Fixed assets
€61k▲ 309%
Current assets
€104k▲ 23.2%
Equity and liabilities €165k
Equity
€69k▲ 7.3%
Debt
€96k▲ 175%
The debt ratio rises from 35.1% to 58.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€28k▼
2024 · €31k
Cash flow
€22k▼
2024 · €27k
Solvency
41.9%▼
2024 · 64.9%
Current ratio
2.16▼
2024 · 3.52
Quick ratio
2.16▼
2024 · 3.52
Debt / equity
1.39▲
2024 · 0.54
ROE
6.8%▼
2024 · 15.4%
ROA
2.8%▼
2024 · 10.0%
Interest coverage
8.18▼
2024 · 10.48
Debt
€96k▲
2024 · €35k
Debt ≤ 1 year
€48k▲
2024 · €24k
Debt > 1 year
€48k▲
2024 · €11k
Income taxes
€3k▲
2024 · €729
Staff costs
€139k▲
2024 · €67k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€99k€165k▲
Fixed assets21/28€15k€61k▲
Tangible fixed assets22/27€15k€61k▲
Plant, machinery and equipment23€3k€783▼
Furniture and vehicles24€12k€60k▲
Current assets29/58€84k€104k▲
Amounts receivable within one year40/41€77k€90k▲
Trade receivables40€49k€78k▲
Other amounts receivable41€28k€12k▼
Current investments50/53-€14k
Cash at bank and in hand54/58€7k-
Equity and liabilities
Total equity and liabilities10/49€99k€165k▲
Equity10/15€64k€69k▲
Contributions10/11€5k€5k=
Reserves13€55k€55k=
Distributable reserves133€55k€55k=
Profit (loss) carried forward14€4k€9k▲
Amounts payable17/49€35k€96k▲
Amounts payable after more than one year17€11k€48k▲
Financial debts170/4€11k€48k▲
Amounts payable within one year42/48€24k€48k▲
Current portion of amounts payable after more than one year42€5k€17k▲
Trade debts44€13k€12k▼
Suppliers440/4€13k€12k▼
Taxes, remuneration and social security45€6k€19k▲
Taxes450/3€6k€4k▼
Remuneration and social security454/9-€15k
Income statement
Code20242025
Turnover70€203k€305k▲
Goods, raw materials, services and sundry goods60/61€103k€137k▲
Remuneration, social security and pensions62€67k€139k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€18k▲
Other operating charges640/8€2k€937▼
Gross operating margin9900€99k€169k▲
Operating profit (loss)9901€14k€11k▼
Financial income75/76B€0€7▲
Recurring financial income75€0€7▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€11k€7k▼
Income taxes67/77€729€3k▲
Profit (loss) for the period9904€10k€5k▼
Profit (loss) for the period to be appropriated9905€10k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€9k▼
Profit (loss) brought forward from the previous period14P€4k€4k=
Transfer to equity691/2€10k-
To other reserves6921€10k-
The notes to these accounts (6 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 1 day late
2025
31-10
Financial
Weakest financial yearnet €5k ▼52.8%
Net result drops to €5k, the lowest in the series.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 2 days late
2024
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Beerse · 1 establishment unit since 2022
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.
Schoolstraat 322340 BeerseGround area
228 m²
Building footprint
138 m²
Volume, LiDAR
806 m³
Parcel 13004C0140/00M002, Flanders · tallest building 10.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ALL PAVAGE
since 20222.339.671.969
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13004C0140/00M002 | Flanders | 228 m² | 1 · 138 m² | 10.4 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.
Similar companies · same sector, comparable size
DLS Construct
BE 0525.728.815
Mouscron · Eq €69k
Gaby Project
BE 0770.813.963
Hemiksem · Eq €69k
DEN WOLF BOUW
BE 0723.944.751
Lummen · Eq €69k
CALELEC
BE 0413.705.493
Ath · Eq €69k
D3 CONSTRUCTION
BE 0889.658.660
Arlon · Eq €69k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 13,222 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-2022
Fiscal year end31-10
Activities, NACEBEL
41001General construction of residential buildings
43333Wallpapering and laying of floor and wall coverings in other materials
41003General construction of other non-residential buildings
43212Electrical installation work in industrial facilities
43240Other construction installation
43299Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.