La Paloma
ActiveSummary
La Paloma has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €39k and a net result of €10k. Equity is growing by ~60% per year across the filed fiscal years. Its solvency ranks better than 23% of 19357 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability70▲+12
Solvency28▲+1
Growth78=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.1 against 0.63 in 2023; short-term debt: 27.7% and cash: 2.5% of total assets), and 97.4% 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
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 19357 sector peers (2024).
NBB · sector comparisonPosition among 19357 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-07-2025, 23 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
23 d early
2023
5 d early
2022
33 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€39k▲ 32.2%
2023 · €30k
2022: €4k
2023: €30k
2022 → 2024
Total assets
€1.52M▼ 2.4%
2023 · €1.56M
2022: €1.61M
2023: €1.56M
2022 → 2024
Net result
€10k▼ 63.3%
2023 · €26k
2022: €-41k
2023: €26k
2022 → 2024
Working capital
€-380k▼ 1,491%
2023 · €-24k
2022: €23k
2023: €-24k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€4k-€30k▲ 723%€39k▲ 32.2%
Operating result€-12k-€44k€17k▼ 61.1%
Net result€-41k-€26k€10k▼ 63.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 61% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.52M
Fixed assets
€1.48M ▼ 2.6%
Current assets
€42k ▲ 3.6%
Equity and liabilities €1.52M
Equity
€39k ▲ 32.2%
Debt
€1.48M ▼ 3.1%
Debt's share of the balance-sheet total falls from 98.1% to 97.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€57k▼
2023 · €83k
Cash flow
€49k▼
2023 · €65k
Current ratio
0.10▼
2023 · 0.63
Debt to equity
37.95▼
2023 · 51.78
ROE
24.4%▼
2023 · 87.8%
ROA
0.6%▼
2023 · 1.7%
Interest coverage
7.30▲
2023 · 4.51
Debt ≤ 1 year
€423k▲
2023 · €65k
Debt > 1 year
€1.06M▼
2023 · €1.46M
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 · 2024 against 2023 · 38 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.56M€1.52M▼
Fixed assets21/28€1.52M€1.48M▼
Tangible fixed assets22/27€1.51M€1.47M▼
Land and buildings22€1.50M€1.46M▼
Plant, machinery and equipment23€8k€7k▼
Financial fixed assets28€10k€10k=
Current assets29/58€41k€42k▲
Amounts receivable within one year40/41€8k€5k▼
Trade receivables40€8k€5k▼
Other amounts receivable41€9€116▲
Cash at bank and in hand54/58€29k€37k▲
Deferred charges and accrued income490/1€4k-
Equity and liabilities
Total equity and liabilities10/49€1.56M€1.52M▼
Equity10/15€30k€39k▲
Contributions10/11€45k€45k=
Profit (loss) carried forward14€-15k€-6k▲
Amounts payable17/49€1.53M€1.48M▼
Amounts payable after more than one year17€1.46M€1.06M▼
Financial debts170/4€1.46M€1.06M▼
Amounts payable within one year42/48€65k€423k▲
Current portion of amounts payable after more than one year42€61k€75k▲
Trade debts44€2k€8k▲
Suppliers440/4€2k€8k▲
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Other amounts payable47/48€21€340k▲
Accrued charges and deferred income492/3€10k-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€39k▲
Other operating charges640/8€12k€13k▲
Gross operating margin9900€96k€70k▼
Operating profit (loss)9901€44k€17k▼
Financial charges65/66B€18k€8k▼
Recurring financial charges65€18k€8k▼
Profit (loss) for the period before taxes9903€26k€10k▼
Profit (loss) for the period9904€26k€10k▼
Profit (loss) for the period to be appropriated9905€26k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-6k▲
Profit (loss) brought forward from the previous period14P€-41k€-15k▲
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
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Zedelgem · 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.
Elzenhoek 78210 ZedelgemGround area
1,240 m²
Building footprint
202 m²
Volume, LiDAR
555 m³
Parcel 31017D0211/00T000, Flanders · tallest building 4.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
La Paloma
since 20212.316.251.518
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31017D0211/00T000 | Flanders | 1,240 m² | 1 · 202 m² | 4.5 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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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EL&FA
BE 1003.207.850
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POCKET
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Jeta Construct
BE 0759.430.915
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Of 12,022 companies in sector 68203 we hold annual accounts for 5,986. 2,818 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
Founded23-03-2021
Fiscal year end31-12
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
46180Agents specialised in the wholesale of other particular products
70200Business and other management consultancy
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.