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Complete company report
Generated 20-08-2026
Active BE 0421.152.521Public limited company

AMERIKAANSE STOCK PAAL

Paalsesteenweg 284 ·3583 Beringen, Belgium· 45 yrs active
Sector: Overige niet-gespecialiseerde detailhandel (47120)
Conclusion Checked

The computed 12-month bankruptcy probability of AMERIKAANSE STOCK PAAL is 0.3% (very low). The 2024 annual accounts show equity of €6.97M and a net result of €441k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 1230 sector peers (fiscal year 2024). The company has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €6.97M
Net result €441k
Staff (FTE) 7
Better than sector 95%
Financial profile 5 of 5 axes measured · computed by Checked
Health86Profitability32Solvency100Growth52Stability100
74 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 86
Profitability 32
Solvency 100
Growth 52
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.3% Very low
0%0,5%1,5%4%10%≥25%
Long track record −Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1980, 45 years in business.
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.
Health barometer FY 2024 · computed
86 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 30-08-2025 with the NBB · fiscal year 2024 · verkort
€0€250k€500k€750kOperating result 2020: €689k€689kNet result 2020: €854k€854kOperating result 2021: €289k€289kNet result 2021: €304k€304kOperating result 2022: €333k€333kNet result 2022: €363k€363kOperating result 2023: €497k€497kNet result 2023: €465k€465kOperating result 2024: €455k€455kNet result 2024: €441k€441k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~7.4%/year over 7 fiscal years, indicative, assuming unchanged policy.
€4.00M€6.00M€8.00M€10.00M2025: €7.51M (€6.95M - €8.07M)2026: €8.07M (€7.51M - €8.63M)2027: €8.66M (€8.11M - €9.22M)2018: €4.54M2019: €4.82M2020: €5.40M2021: €5.70M2022: €6.07M2023: €6.53M2024: €6.97M2018201920202021202220232024202520262027
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 47, Retail trade · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 98.7% 20.3%
better than 95% of 1230 sector peers
Net result €441k €25k
better than 95% of 1229 sector peers
Equity €6.97M €142k
better than 95% of 1230 sector peers
Gross operating margin €818k €215k
better than 86% of 1228 sector peers
Staff costs €278k €160k
higher than 68% of 937 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€507k
-6.5% 18-24
Net profit
€441k
-5.2% 18-24
Cash flow
€493k
-3.5% 18-24
Total assets
€7.06M
+5.8% 18-24
Equity
€6.97M
+6.7% 18-24
Working capital
€6.80M
+7.4% 18-24
Employees (FTE)
7
+40.0% 18-24
Staff costs
€278k
+33.3% 18-24
Show 11 other metrics
Income taxes
€140k
-7.1% 18-24
Debt
€69k
-42.4% 18-24
Debt ≤ 1y
€50k
-45.4% 18-24
Debt > 1y
€50k
- 18-24
Current ratio
136.36
+95.3% 18-24
Quick ratio
114.41
+94.4% 18-24
Solvency
98.7%
+0.9% 18-24
Debt / equity
0.01
-46.0% 18-24
ROE
6.3%
-11.2% 18-24
ROA
6.2%
-10.5% 18-24
Interest coverage
21.95
-21.1% 18-24
Figures by fiscal year
Fiscal year2024
Depositverkort
Revenue-
EBITDA€507k
Net profit€441k
Cash flow€493k
Staff costs€278k
Income taxes€140k
Dividends-
Total assets€7.06M
Equity€6.97M
Debt€69k
of which ≤ 1y€50k
of which > 1y-
Working capital€6.80M
Employees (FTE)7.0
Ratios (computed)
2024
Current ratio136.36
Quick ratio114.41
Working capital ratio96.3%
Solvency98.7%
Debt / equity0.01
Long-term debt ratio-
Interest coverage21.95
Gross margin-
Net margin-
ROA6.2%
ROE6.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€7.06M
Fixed assets 21/28€211k
Tangible fixed assets 22/27€164k
Financial fixed assets 28€47k
Current assets 29/58€6.85M
Stocks & contracts in progress 3€1.10M
Amounts receivable within one year 40/41€52k
Cash & bank 54/58€1.34M
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€7.06M
Equity 10/15€6.97M
Contributions / capital 10/11€149k
Reserves 13€6.38M
Accumulated profits (losses) 14€441k
Provisions & deferred taxes 16€22k
Amounts payable 17/49€69k
Amounts payable within one year 42/48€50k
Trade debts payable within one year 44€34k
Income statement
Gross operating margin 9900€818k
Operating result 9901€455k
Financial income 75€148k
Financial charges 65€23k
Result before taxes 9903€580k
Income taxes 67/77€140k
Net result for the period 9904€441k
Result to be appropriated 9905€441k
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 3 directors
Former directors (3)
  • Claes Lisette
    Director
    State Gazette act 24061138 (15-04-2024)
    Former
    - → 15-04-2024
  • Hilaire Poels
    Director
    State Gazette act 24061138 (15-04-2024)
    Former
    - → 15-04-2024
  • Roel Poels
    Director
    State Gazette act 24061138 (15-04-2024)
    Former
    - → 15-04-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Overige niet-gespecialiseerde detailhandel(47120)
Legal form Public limited company(014)
Incorporation18-12-1980
StatusActive
Postal code3583
Establishment units 1 location
AMERIKAANSE STOCK PAAL
Paalsesteenweg 284, 3583 Beringende vervaardiging van handgereedschap zoals tangen, schroevedraaiers, sleutels, tuinscharen, truwelen, soldeerlampen, enz.
since 19802.018.239.012
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71049B1199/00E000 Flanders 6,701 m² 1 · 3,167 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
30-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
13-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
15-04-2024
State Gazette act Director changes
2023
15-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2022
15-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
26-09-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
28-10-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
21-08-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
26-08-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
30-08-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2016
25-08-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2024
15-04-2024 2 directors appointed, 3 resigning, 2 reappointed Director changes
  • Claes Lisette, Gedelegeerd bestuurder
  • Poels Roel, Gedelegeerd bestuurder
  • Roel Poels, Bestuurder
  • Claes Lisette, Bestuurder
  • Hilaire Poels, Bestuurder
  • Roel Poels, Bestuurder
  • Lisette Claes, Bestuurder
Technical details 
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Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Overige niet-gespecialiseerde detailhandel47120Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen niet overheersen (verkoopoppervlakte < 2500 m²)47191Grootwarenhuizen (verkoop van overwegend niet-voedingsmiddelen met verkoopsopp.vanaf 2.500 m2)52121Overige niet-gespecialiseerde detailhandel in winkels (verkoop van overwegend niet-voedingsmiddelen met verkoopsoppervlakte van mind er dan 2.500 m2)52122
Primary activity highlighted.
Names & trade names
Legal nameNL AMERIKAANSE STOCK PAAL
Registered office
Paalsesteenweg 284
3583 Beringen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative