Equity
€108,440 from €350,258 in 2015
Equity fell by 69% in 10 years.
2PARFIN
Lifetime
19 annual accounts with figures on one time axis, 41 filings since 1984peak €423,784 (2024)
€73,050▼ 82.8%
lowest -€187,314 (2017)
-€4,727▼ €284,813
peak €350,258 (2015)
€108,440▼ 4.2%
€834,989▼ 5.5%
peak 0 FTE (2023)
0 FTE
Board2 names since 2008
2 directorsLampole Frank and 1 other
Documentsfilings and deeds
26-03-202635 days before the deadline
2025abbreviated format
Gross margin from €423,784 to €73,050Loss of €4,727Cash from €38,046 to €3,685
Key points
from the 2025 annual accountsResult
-€4,727 -€4,727
From profit to loss in 2025, after a profit of €280,087 in 2024.
Debts
€834,989 89% of the balance sheet
Suppliers 1%Taxes and wages 1%Other 98%
Of this, €50,614 falls due within a year.
Liquidity
3.34 was 0.97 in 2024
Short-term debts fell from €202,868 to €50,614.
Filings
41 annual accounts since 1984
The last five annual accounts were filed 5 to 49 days before the end of the period.
Position in the sector
11.5%
Lower solvency than 80% of companies in wholesale trade. Sector median 42.9% · 9,902 companies.
Checked score
84
Excellent
Financially stronger than 35% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,888 companies (NACE 46, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.9%
01-2025: 0.9%● unchanged vs 12-2024
02-2025: 1.2%▲ +0.3 percentage points vs 01-2025
03-2025: 1.3%▲ +0.1 percentage points vs 02-2025highest value
04-2025: 0.5%▼ -0.8 percentage points vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.5%● unchanged vs 05-2025
07-2025: 0.5%● unchanged vs 06-2025
08-2025: 0.4%▼ -0.1 percentage points vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.5%▲ +0.1 percentage points vs 10-2025
12-2025: 0.5%● unchanged vs 11-2025
01-2026: 0.5%● unchanged vs 12-2025
02-2026: 0.2%▼ -0.3 percentage points vs 01-2026lowest value
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.3%▲ +0.1 percentage points vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Equity €108,440 (11.5% of total assets)
Liquidity: current ratio 3.34, cash €3,685, halved
lowers risk
Size: total assets €943,429
Founded in 1984
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 24% of them on solvency, 54% on liquidity, 30% on profitability and 32% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,507 companies had the same profile as 2PARFIN has now. Each dot stands for 7 companies, two years later.
96.4%
were still trading
1.8%
stopped another way
1.6%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of 2PARFIN itself is lower: 0.3% within 12 months. It rests on far more data about 2PARFIN than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,507 companies, not a prediction for 2PARFIN. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €9,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.34 (0.97 in 2024), above the usual 1.5. Short-term debt is 5.4% and cash 0.4% of total assets. However, 88.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 9902 sector peers (2025).
NBB · sector comparisonPosition among 9902 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-03-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 days early
2024
49 days early
2023
34 days early
2022
6 days early
2021
5 days early
2020
65 days early
2019
3 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 28 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 28 March (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end09-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0426581452
Registered office moved to Deerlijk
New registered office: Tulpenlaan 167, 8540 Deerlijk · Resignation: Lampole Frank (manager) · Reappointment: Lampole Frank (director) · Gazette deed
Environmental permit granted
Bouwen of herbouwen, Verwijderen van vrijstaande gebouwen · Ronse
Environmental permit granted
Bouwen of herbouwen, Verwijderen van vrijstaande gebouwen · Ronse
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| 2PARFIN Deerlijk | €0.9m | €73,050 | 11.5% | 0 |
| HOLVOET Kortrijk | €1.0m | €88,374 | 88.9% | 0 |
| JOBECA Wevelgem | €1.0m | €48,454 | 73.0% | 0 |
| V en K BEHEER Hasselt | €0.6m | €86,088 | 64.8% | 0 |
| NOUMICO INTERNATIONAL Ingelmunster | €1.1m | €104,266 | 89.8% | 0.1 |
| R - CORPORATION Tielt | €1.0m | €54,897 | 96.7% | 0 |
| VENDECO Ostend | €0.4m | €92,738 | 89.3% | 0 |
These companies have the same main activity as 2PARFIN: agents in non-specialised wholesale trade (NACE 46190). They are comparable in size and age: total assets between €439,000 and €1.1m, founded between 1988 and 2002.
Official details
Source: KBO- Status
- Active since 19-12-1984Normal situation
- Activity
- Agents in non-specialised wholesale tradeNACE 46190and 4 others
- Establishment unit
- 2.025.853.1168540 Deerlijk, since 11-12-1990
- Financial year end
- 30 September
- Peppol
- Reachable since 19-10-2026
Annual accounts to 30-09-2025
- ≈ €370,000estimated
- €943,429▼ 5.4%
- Filing
- Filed on 26-03-2026, 35 days before the end of the filing period
Insights on 2PARFIN
2PARFIN files the abbreviated format. That format states no turnover. The gross margin rose from €324 in 2006 to €73,050 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about 2PARFIN
- What is the company number of 2PARFIN?
- The company number of 2PARFIN is 0426.581.452. The VAT number is the same number with BE in front: BE 0426.581.452.
- Where is 2PARFIN based?
- The registered office is at Tulpenlaan 167, 8540 Deerlijk.Company details
- What does 2PARFIN do?
- According to the KBO register, the main activity is agents in non-specialised wholesale trade (NACE 46190).
- What is the legal form of 2PARFIN?
- 2PARFIN is a private limited company (BV).
- When was 2PARFIN founded?
- 2PARFIN was founded on 19-12-1984.
- Is 2PARFIN still active?
- Yes, 2PARFIN is an active enterprise in the KBO register.
- What is the turnover of 2PARFIN?
- The turnover in financial year 2025 is ≈ €370,000. This figure is estimated from the gross margin of €73,050 and 40 comparable companies (NACE 461). It probably lies between €160,000 and €940,000.Financials
- Is 2PARFIN profitable?
- In financial year 2025, 2PARFIN made a loss of €4,727.
- Where can I find the annual accounts of 2PARFIN?
- 2PARFIN filed 41 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of 2PARFIN due?
- 2PARFIN must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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