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JUWELIERS PAUL

Active
Public limited companyfounded 1986active for 40 yearsBeverstraat 17, 9400 Ninove, BelgiumKBO/BCE: BE 0428.551.047

From the official registers: KBO 39 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

JUWELIERS PAUL has been active since 1986 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €838,505 and a net result of €112,008. Equity has been growing by about 15% per year since 2019. Its solvency ranks better than 67% of 12,757 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

KBO
Status
Active since 19-02-1986 Normal situation
Activity
Retail sale of watches and jewellery NACE 47770
Establishment units
2.033.534.328 9400 Ninove, since 12-03-1986
2.249.645.774 9620 Zottegem, since 01-06-2010
Financial year end
30 June
Peppol
Reachable since 26-11-2025

Board and ownership

Board

Financial position

93 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts to 30-06-2025
Gross margin
€302,658
▲ 12.4%
Turnover
≈ €1.1m
estimated
Profit
€112,008
▲ 18.9%
Equity
€838,505
▲ 15.4%
Total assets
€1.6m
▲ 6.7%
Staff
2 FTE
=
Filed on 28-01-2026, 3 days before the deadlinePDF
Score breakdownraises riskSector: Retail trade (NACE 47)Liquidity: current ratio 2.78, cash €32,100lowers riskFounded in 1986Size: total assets €1.6mShow the evidence

Checked score

Score 2025
93 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 60% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency 78+4
equity 53.0% of total assets
Liquidity 42+7
short-term debt 27.4% · cash 2.0%
Profitability 78+1
return on assets 7.1%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.6% (40,270 companies, NACE 47, micro)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.2%▲ +0.1 percentage points vs 12-2024 02-2025: 0.1%▼ -0.1 percentage points vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.2%▲ +0.1 percentage points vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.3%▲ +0.1 percentage points vs 12-2025highest value 02-2026: 0.1%▼ -0.2 percentage points vs 01-2026lowest value 03-2026: 0.1%● unchanged vs 02-2026lowest value 04-2026: 0.1%● unchanged vs 03-2026lowest value 05-2026: 0.1%● unchanged vs 04-2026lowest value 06-2026: 0.1%● unchanged vs 05-2026lowest value 07-2026: 0.1%● unchanged vs 06-2026lowest value 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026
Credit of up to €75,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.78 (2.22 in 2024), above the usual 1.5. Short-term debt is 27.4% and cash 2% of total assets. 47% of the assets are financed with debt and provisions.
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 47, micro). It does better than 67% of them on solvency, 40% on liquidity, 66% on profitability and 68% on growth.

The bankruptcy probability was computed on 31-10-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · Founded in 1986
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Liquidity: current ratio 2.78, cash €32,100
NBB · annual accounts
lowers risk · Size: total assets €1.6m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
3 days early
2024
1 day early
2023
43 days early
2022
8 days early
2021
on the day
2020
76 days early
2019
85 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 31 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 28 January (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end01-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: More equity than 83% of companies in retail tradesector median €236,771 · 12,767 companies €838,505 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 7 profitable years in a rowprofit 2025: €112,008 7 years View

Comparable companies

These companies have the same main activity as JUWELIERS PAUL: retail sale of watches and jewellery (NACE 47770). They are comparable in size and age: total assets between €1m and €2m, founded between 1981 and 1991.

CompanyTotal assetsGross margin
JUWELIERS PAUL Ninove€1.6m€0.3m
PSIMAR Sint-Pieters-Woluwe€1.8m€0.3m
A.D.C. INVESTMENT Liège€2.0m€0.3m
ANCO Gent€1.2m€0.4m
PETER DE MAERE Eeklo€1.0m€0.2m
KEGELS Sint-Gillis-Waas€1.0m€0.2m
QUIJO Brugge€1.4m€0.4m
Full comparison

Documents

Annual accounts at the NBB

All 39 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about JUWELIERS PAUL

What is the company number of JUWELIERS PAUL?
The company number of JUWELIERS PAUL is 0428.551.047. The VAT number is the same number with BE in front: BE 0428.551.047.
Where is JUWELIERS PAUL based?
The registered office is at Beverstraat 17, 9400 Ninove.Company details
What does JUWELIERS PAUL do?
According to the KBO register, the main activity is retail sale of watches and jewellery (NACE 47770).
What is the legal form of JUWELIERS PAUL?
The legal form of JUWELIERS PAUL is Public limited company (NV).
When was JUWELIERS PAUL founded?
JUWELIERS PAUL was founded on 19-02-1986.
Is JUWELIERS PAUL still active?
Yes, JUWELIERS PAUL is an active enterprise in the KBO register.
How many employees does JUWELIERS PAUL have?
JUWELIERS PAUL had an average of 2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of JUWELIERS PAUL?
The turnover in financial year 2025 is ≈ €1.1m. This figure is estimated from the gross margin of €302,658 and 47 comparable companies (NACE 477). It probably lies between €860,000 and €1.8m.
Is JUWELIERS PAUL profitable?
In financial year 2025, JUWELIERS PAUL made a profit of €112,008.
Where can I find the annual accounts of JUWELIERS PAUL?
JUWELIERS PAUL filed 39 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
When are the next annual accounts of JUWELIERS PAUL due?
JUWELIERS PAUL must file the annual accounts for financial year 2026 by 31-01-2027.Timeline

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