Equity
€287,996 ▼ 29.9%
JOS PAUWELS paid out €135,000 in dividends. That is 1,124% of the 2025 profit.
JOS PAUWELS
Lifetime
16 annual accounts with figures on one time axispeak €225,292 (2015)
€138,796▼ 21.5%
lowest -€17,496 (2016)
€12,013▼ 64.5%
peak €410,983 (2024)
€287,996▼ 29.9%
€62,110▲ 0.4%
peak 1 FTE (2016)
-not published
Board2 names since 2010
2 directorsPAUWELS, José Leo Cornelius and 1 other
Documentsfilings and deeds
13-03-2026140 days before the deadline
2025micro format
Gross margin from €176,805 to €138,796Result from €33,810 to €12,013Dividend €135,000Equity from €410,983 to €287,996
Key points
from the 2025 annual accountsFilings
16 annual accounts since 2010
The last five annual accounts were filed 75 to 140 days before the end of the period.
Position in the sector
€287,996
More equity than 85% of companies in wholesale trade. Sector median €56,545 · 13,815 companies.
Checked score
95
Excellent
Financially stronger than 60% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,892 companies (NACE 46, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025lowest value
04-2025: 0.1%▲ +0.1 percentage points vs 03-2025highest value
05-2025: 0.1%● unchanged vs 04-2025highest value
06-2025: 0.1%● unchanged vs 05-2025highest value
07-2025: 0.1%● unchanged vs 06-2025highest value
08-2025: 0.1%● unchanged vs 07-2025highest value
09-2025: < 0.1%▼ -0.1 percentage points vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 3.06, cash €72,296
Equity €287,996 (82.3% of total assets)
Founded in 2010
Figures for financial year 2025 (filed on 13-03-2026)
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 90% of them on solvency, 76% on liquidity, 59% on profitability and 15% on growth.
The bankruptcy probability was computed on 07-11-2026 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 31-12-2025.
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, 10,904 companies had the same profile as JOS PAUWELS has now. Each dot stands for 28 companies, two years later.
95.2%
were still trading
4.0%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of JOS PAUWELS itself: < 0.1% within 12 months.
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 10,904 companies, not a prediction for JOS PAUWELS. 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 €25,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.06 (4.34 in 2024), above the usual 1.5. Short-term debt is 17.7% and cash 20.6% of total assets. 17.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 13-03-2026, 140 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
140 days early
2024
136 days early
2023
126 days early
2022
75 days early
2021
86 days early
2020
137 days early
2019
123 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 118 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 next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 March (4 of the last 5 accounts filed within 39 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
2 directors resigning, 2 reappointments
Resignations: PAUWELS, José Leo Cornelius (director) and VERYSER, Karolien Nelly (director) · Reappointments: PAUWELS, José Leo Cornelius (director) and VERYSER, Karolien Nelly (director) · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 18-04-2023 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0821988688
Incorporation
published on 14-01-2010 · Gazette deed
First establishment
Kassasystemen Jos Pauwels, Tarwestraat 1, Diksmuide
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JOS PAUWELS Diksmuide | €350,106 | €138,796 | 82.3% | - |
| AMO BENELUX Wielsbeke | €349,068 | €182,734 | 16.5% | - |
| DEWAELE LIEVEN Ghent | €326,192 | €181,766 | -2.5% | - |
| E + Auderghem | €338,484 | €99,531 | 95.6% | - |
| THUIA Maaseik | €458,304 | €139,570 | 96.4% | - |
| CLARYBEL Sint-Niklaas | €410,917 | €104,470 | -26.1% | - |
| ZEDD Antwerp | €308,778 | €191,090 | 73.6% | 2.6 |
These companies have the same main activity as JOS PAUWELS: agents in non-specialised wholesale trade (NACE 46190). They are comparable in size and age: total assets between €309,000 and €458,000, founded between 2008 and 2011.
Official details
Source: KBO- Status
- Active since 06-01-2010Normal situation
- Activity
- Agents in non-specialised wholesale tradeNACE 46190and 1 other
- Establishment unit
- 2.183.833.9478600 Diksmuide, since 06-01-2010
- Financial year end
- 31 December
- Peppol
- Reachable since 20-11-2020
Annual accounts 2025
- ≈ €520,000estimated
- €350,106▼ 26.0%
- Employeeson 31-12-2025
- 1
- Filing
- Filed on 13-03-2026, 140 days before the end of the filing period
Insights on JOS PAUWELS
JOS PAUWELS files the micro format. That format states no turnover. The gross margin rose from €102,524 in 2010 to €138,796 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 JOS PAUWELS
- What is the company number of JOS PAUWELS?
- The company number of JOS PAUWELS is 0821.988.688. The VAT number is the same number with BE in front: BE 0821.988.688.
- Where is JOS PAUWELS based?
- The registered office is at Tarwestraat 1, 8600 Diksmuide.Company details
- What does JOS PAUWELS do?
- According to the KBO register, the main activity is agents in non-specialised wholesale trade (NACE 46190).
- What is the legal form of JOS PAUWELS?
- JOS PAUWELS is a private limited company (BV).
- When was JOS PAUWELS founded?
- JOS PAUWELS was founded on 06-01-2010.
- Is JOS PAUWELS still active?
- Yes, JOS PAUWELS is an active enterprise in the KBO register.
- How many employees does JOS PAUWELS have?
- JOS PAUWELS had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of JOS PAUWELS?
- The turnover in financial year 2025 is ≈ €520,000. This figure is estimated from the gross margin of €138,796 and 31 comparable companies (NACE 461). It probably lies between €240,000 and €1.3m.
- Is JOS PAUWELS profitable?
- In financial year 2025, JOS PAUWELS made a profit of €12,013.
- Where can I find the annual accounts of JOS PAUWELS?
- JOS PAUWELS filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of JOS PAUWELS due?
- JOS PAUWELS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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