El Pablo
ActiveSummary
El Pablo has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €6k. Equity is growing by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 43% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-21
Solvency77▼-13
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.05 against 2.88 in 2024; short-term debt: 48.2% and cash: 39.7% of total assets), and 48.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
51.6%
Return on assets
10.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-07-2026, 5 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
5 d early
2024
19 d early
2023
29 d late
2022
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€31k▼ 13.8%
2024 · €36k
2022: €21k
2023: €30k
2024: €36k
2022 → 2025
Total assets
€59k▲ 9.0%
2024 · €54k
2022: €34k
2023: €41k
2024: €54k
2022 → 2025
Net result
€6k▼ 64.2%
2024 · €17k
2022: €18k
2023: €9k
2024: €17k
2022 → 2025
Working capital
€30k▼ 15.5%
2024 · €36k
2022: €20k
2023: €29k
2024: €36k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€21k-€30k▲ 41.3%€36k▲ 20.3%€31k▼ 13.8%
Operating result€24k-€12k▼ 48.9%€22k▲ 84.0%€9k▼ 57.3%
Net result€18k-€9k▼ 51.7%€17k▲ 96.9%€6k▼ 64.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 57% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €59k
Fixed assets
€727
Current assets
€59k
Equity and liabilities €59k
Equity
€31k ▼ 13.8%
Debt
€29k ▲ 51.9%
Debt's share of the balance-sheet total rises from 34.7% to 48.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€10k▼
2024 · €23k
Cash flow
€6k▼
2024 · €17k
Current ratio
2.05▼
2024 · 2.88
Debt to equity
0.94▲
2024 · 0.53
ROE
19.9%▼
2024 · 47.8%
ROA
10.2%▼
2024 · 31.2%
Interest coverage
5.68▼
2024 · 20.47
Debt ≤ 1 year
€29k▲
2024 · €19k
Income taxes
€2k▼
2024 · €4k
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 · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€54k€59k▲
Fixed assets21/28€0€727▲
Tangible fixed assets22/27€0€727▲
Furniture and vehicles24€0€727▲
Current assets29/58€54k€59k▲
Amounts receivable after more than one year29€18k€15k▼
Other amounts receivable291€18k€15k▼
Amounts receivable within one year40/41€11k€18k▲
Trade receivables40€8k€14k▲
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€24k€24k▼
Deferred charges and accrued income490/1€546€3k▲
Equity and liabilities
Total equity and liabilities10/49€54k€59k▲
Equity10/15€36k€31k▼
Contributions10/11€3k€3k=
Reserves13€33k€28k▼
Distributable reserves133€33k€28k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€19k€29k▲
Amounts payable within one year42/48€19k€29k▲
Financial debts43-€1k
Credit institutions430/8-€1k
Trade debts44€4k€8k▲
Suppliers440/4€4k€8k▲
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48€11k€15k▲
Accrued charges and deferred income492/3-€143
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€413€359▼
Other operating charges640/8€867€912▲
Gross operating margin9900€23k€11k▼
Operating profit (loss)9901€22k€9k▼
Financial income75/76B€365€0▼
Recurring financial income75€365€0▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€21k€8k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€17k€6k▼
Profit (loss) for the period to be appropriated9905€17k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€6k▼
Transfer from equity791/2€11k€11k=
Transfer to equity691/2€17k€6k▼
To other reserves6921€17k€6k▼
Profit to be distributed694/7€11k€11k=
Return on contributions (dividend)694€11k€11k=
The notes to these accounts (9 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
26-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €6k ▼64.2%
Net result drops to €6k, the lowest in the series.
12-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
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, Heist-op-den-Berg · 1 establishment unit since 2021
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.
Hallaarstraat(ITE) 57 C2222 Heist-op-den-BergGround area
1,045 m²
Building footprint
199 m²
Volume, LiDAR
1,024 m³
Parcel 12017B0440/00F002, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
El Pablo
since 20212.325.581.037
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12017B0440/00F002indicative | Flanders | 1,045 m² | 1 · 199 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 225 EUR awarded · 225 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 225 EUR | 225 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 14,291 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
Founded10-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
18130Pre-press and pre-media services
63100Computing infrastructure, data processing, hosting and related activities
85510Sports and recreation education
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.