JF PAVAGE

Active

Private limited companyfounded 20251 yr activeLangestraat 28, 1620 Drogenbos, BelgiumKBO/BCE: BE 1024.761.151

Summary

JF PAVAGE has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16,750 and a net result of €14,750. Its solvency ranks better than 41% of 32341 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisWatch Report Compare

JF PAVAGEActiveChecked score 70/100

Risk analysis Report Compare

Activity

Floor and wall tiling

NACE 43331

1 site

Size

€43,156total assets 2025

Equity: €16,750
Profit: €14,750

Turnover not published (abridged schema)

Financial health

70 Healthy Checked score 2025

Bankruptcy chance 12 m: 0.8%

Structure

Accounts 25 d early0 of 1 deed read

Why 70- Founded in 2025- Size: total assets €43,156+ Liquidity: current ratio 1.59, cash €15,983+ Figures for FY 2025 (filed 06-07-2026)Show the evidence

Checked score

Score 2025

70 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 70% of its sector peers (NACE 43, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 64

equity 38.8% of total assets

Liquidity 78

short-term debt 38.5% · cash 37.0%

Profitability 100

return on assets 34.2%

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,046 companies)

Last 24 months 07-2026: 1.9%highest value 08-2026: 0.7%▼ -61.7% vs 07-2026lowest value 09-2026: 0.7%● 0.0% vs 08-2026lowest value 10-2026: 0.8%▲ +4.6% vs 09-2026

Liquidity: current ratio 1.59, cash €15,983 lowers the probability
Founded in 2025 raises the probability for this profile
Size: total assets €43,156 raises the probability for this profile
Figures for FY 2025 (filed 06-07-2026) lowers the probability

Credit up to €1,000 at 30 days acceptable

Liquidity ample (current ratio 1.59; short-term debt: 38.5% and cash: 37% of total assets), but 61.2% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 41%, liquidity 76%, profitability 93%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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