Summary
GOBEAUX PASCAL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €23,599 and a net result of €11,420. Equity is growing by ~14.9% per year across the filed fiscal years. Its solvency ranks better than 26% of 3320 sector peers (fiscal year 2024). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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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 04-08-2025, 4 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
4 d late
2023
22 d early
2022
17 d late
2021
22 d late
2020
31 d late
2019
14 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 11 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€23,599▲ 37.4%
2023 · €17,179
Net result
€11,420
2023 · -€875
Total assets
€110,441▲ 26.0%
2023 · €87,667
Solvency
21.4%▲ 1.8pp
2023 · 19.6%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€10,750€36,913▲ 243%€13,190▼ 64.3%€12,261▼ 7.0%€26,860▲ 119%
Net result€7,076€34,215▲ 384%€12,307▼ 64.0%-€875€11,420
Equity€13,532▲ 110%€17,747▲ 31.1%€18,054▲ 1.7%€17,179▼ 4.8%€23,599▲ 37.4%
Total assets€103,664▲ 58.3%€107,507▲ 3.7%€77,999▼ 27.4%€87,667▲ 12.4%€110,441▲ 26.0%
Debt€90,132▲ 52.7%€89,760▼ 0.4%€59,945▼ 33.2%€70,488▲ 17.6%€86,842▲ 23.2%
Working capital€32,363-€13,393-€10,920▲ 18.5%-€12,376▼ 13.3%-€13,803▼ 11.5%
Solvency13.1%▲ 3.2pp16.5%▲ 3.5pp23.1%▲ 6.6pp19.6%▼ 3.6pp21.4%▲ 1.8pp
Staff (FTE)1.5▼ 25.0%
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 119% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €110,441
Fixed assets
€81,471 ▲ 47.2%
Current assets
€28,970 ▼ 10.4%
Equity and liabilities €110,441
Equity
€23,599 ▲ 37.4%
Debt
€86,842 ▲ 23.2%
Debt's share of the balance-sheet total falls from 80.4% to 78.6%. Equity and debt are higher.
Key figures and ratios
ROE
48.4%▲
2023 · -5.1%
ROA
10.3%▲
2023 · -1.0%
Debt ≤ 1 year
€42,773▼
2023 · €44,706
Debt > 1 year
€44,069▲
2023 · €25,732
Income taxes
€12,460▲
2023 · €11,820
Staff costs
€69,378▲
2023 · €60,209
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €35,025 | €44,793 | €60,209 | €69,378 | ▲ 15.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15,468 | €20,007 | €19,778 | €20,310 | €17,806 | ▼ 12.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €10,742 | - | - |
| Other operating charges640/8 | - | €4,704 | €2,448 | €6,127 | €7,884 | ▲ 28.7% |
| Non-recurring operating charges66A | - | - | - | €135 | - | - |
| Gross operating margin9900 | €90,413 | €96,649 | €80,209 | €109,784 | €121,928 | ▲ 11.1% |
| Operating profit (loss)9901 | €10,750 | €36,913 | €13,190 | €12,261 | €26,860 | ▲ 119% |
| Financial income75/76B | - | - | €462 | - | - | - |
| Recurring financial income75 | €904 | - | €462 | - | - | - |
| Financial charges65/66B | - | €1,226 | €1,345 | €1,316 | €2,980 | ▲ 126% |
| Recurring financial charges65 | €1,578 | €1,226 | €1,345 | €1,316 | €2,980 | ▲ 126% |
| Profit (loss) for the period before taxes9903 | €10,076 | €35,687 | €12,307 | €10,945 | €23,880 | ▲ 118% |
| Income taxes67/77 | €3,000 | €1,472 | - | €11,820 | €12,460 | ▲ 5.4% |
| Profit (loss) for the period9904 | €7,076 | €34,215 | €12,307 | -€875 | €11,420 | ▲ 1,405% |
| Profit (loss) for the period to be appropriated9905 | €7,076 | €34,215 | €12,307 | -€875 | €11,420 | ▲ 1,405% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €103,664 | €107,507 | €77,999 | €87,667 | €110,441 | ▲ 26.0% |
| Fixed assets21/28 | €32,124 | €60,162 | €40,729 | €55,337 | €81,471 | ▲ 47.2% |
| Intangible fixed assets21 | €4,309 | €4,262 | €3,820 | €3,210 | €2,427 | ▼ 24.4% |
| Tangible fixed assets22/27 | €26,975 | €55,060 | €36,069 | €51,287 | €78,204 | ▲ 52.5% |
| Plant, machinery and equipment23 | - | €3,152 | €2,392 | €1,703 | €1,084 | ▼ 36.3% |
| Furniture and vehicles24 | - | €36,621 | €26,748 | €49,144 | €76,900 | ▲ 56.5% |
| Other tangible fixed assets26 | - | €15,287 | €6,929 | €440 | €220 | ▼ 50.0% |
| Financial fixed assets28 | €840 | €840 | €840 | €840 | €840 | = |
| Current assets29/58 | €71,540 | €47,345 | €37,270 | €32,330 | €28,970 | ▼ 10.4% |
| Amounts receivable within one year40/41 | €17,229 | €17,611 | €35,424 | €20,990 | €22,120 | ▲ 5.4% |
| Trade receivables40 | - | €17,611 | €19,872 | €5,438 | €5,558 | ▲ 2.2% |
| Other amounts receivable41 | - | - | €15,552 | €15,552 | €16,562 | ▲ 6.5% |
| Cash at bank and in hand54/58 | €52,482 | €29,734 | €1,230 | €8,497 | €4,290 | ▼ 49.5% |
| Deferred charges and accrued income490/1 | - | - | €616 | €2,843 | €2,560 | ▼ 10.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €103,664 | €107,507 | €77,999 | €87,667 | €110,441 | ▲ 26.0% |
| Equity10/15 | €13,532 | €17,747 | €18,054 | €17,179 | €23,599 | ▲ 37.4% |
| Contributions10/11 | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Capital10 | - | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Issued capital100 | - | €18,593 | €18,593 | €18,593 | €18,593 | = |
| Uncalled capital101 | - | €12,396 | €12,396 | €12,396 | €12,396 | = |
| Reserves13 | €6,859 | €6,859 | €6,859 | €6,859 | €6,859 | = |
| Non-distributable reserves130/1 | - | €6,859 | €6,859 | €6,859 | €6,859 | = |
| Legal reserve130 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | €476 | €4,691 | €4,998 | €4,123 | €10,543 | ▲ 156% |
| Amounts payable17/49 | €90,132 | €89,760 | €59,945 | €70,488 | €86,842 | ▲ 23.2% |
| Amounts payable after more than one year17 | €45,939 | €29,022 | €11,755 | €25,732 | €44,069 | ▲ 71.3% |
| Financial debts170/4 | - | €29,022 | €11,755 | €25,732 | €44,069 | ▲ 71.3% |
| Amounts payable within one year42/48 | €39,177 | €60,738 | €48,190 | €44,706 | €42,773 | ▼ 4.3% |
| Current portion of amounts payable after more than one year42 | - | €16,918 | €17,267 | €18,514 | €13,420 | ▼ 27.5% |
| Trade debts44 | €11,996 | €7,343 | €10,935 | €14,910 | €6,610 | ▼ 55.7% |
| Suppliers440/4 | - | €7,343 | €10,935 | €14,910 | €6,610 | ▼ 55.7% |
| Taxes, remuneration and social security45 | - | €13,509 | €10,760 | €10,570 | €18,039 | ▲ 70.7% |
| Taxes450/3 | - | €9,000 | €3,600 | €1,192 | €6,240 | ▲ 423% |
| Remuneration and social security454/9 | - | €4,509 | €7,160 | €9,378 | €11,799 | ▲ 25.8% |
| Other amounts payable47/48 | - | €22,968 | €9,228 | €712 | €4,704 | ▲ 561% |
| Accrued charges and deferred income492/3 | - | - | - | €50 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,076 | €34,215 | €12,307 | -€875 | €11,420 | ▲ 1,405% |
| + Depreciation and write-downs630 | €15,468 | €20,007 | €19,778 | €20,310 | €17,806 | ▼ 12.3% |
| Operating cash flow (approximation) | €22,544 | €54,222 | €32,085 | €19,435 | €29,226 | ▲ 50.4% |
| Investment in fixed assets (approximation) | - | -€48,045 | -€345 | -€34,918 | -€43,940 | ▼ 25.8% |
| Change in cash | - | -€22,748 | -€28,504 | €7,267 | -€4,207 | ▼ 158% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
31-12
Financial
Back to profitnet €11,420
Net result €11,420 after one loss-making year.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Highest result since 2018net €34,215 ▲384%
Operating result €36,913, net result €34,215, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €7,076
Net result €7,076 after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.83
Current ratio from 0.66 to 1.83.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
22-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 53 days late
2016
01-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
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.
Location & real-estate footprint
Registered office, Chimay · 1 establishment unit since 2001
Ground area
82 m²
Building footprint
121 m²
Volume, LiDAR
1,078 m³
Parcel 56016D0426/00Y003, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Couvin(CH) 37, 6460 Chimay
since 20012.094.310.667
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56016D0426/00Y003 | Wallonia | 82 m² | 1 · 121 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 1,667 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded02-01-2001
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0473664856
Registered
26-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.