Les Maisons André PATZE & Cie
ActiveLes Maisons André PATZE & Cie has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €474k and a net result of €183k. Equity is growing by ~21.2% per year across the filed fiscal years. Its solvency ranks better than 39% of 2154 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+15
Solvency54▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 0.86 in 2024; short-term debt: 21.5% and cash: 8.7% of total assets), and 71.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
28.5%
Return on assets
11%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
1 d early
2023
27 d late
2022
28 d late
2021
31 d late
2020
31 d late
2019
90 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€183k▲ 416%
2024 · €35k
2018: €8k
2019: €22k
2020: €55k
2021: €23k
2022: €65k
2023: €30k
2024: €35k
2018 → 2025
Working capital
€83k
2024 · €-59k
2018: €-16k
2019: €-11k
2020: €20k
2021: €-3k
2022: €-7k
2023: €14k
2024: €-59k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€165k-€225k▲ 36.9%€256k▲ 13.4%€291k▲ 13.9%€474k▲ 62.9%
Operating result€46k-€100k▲ 118%€56k▼ 43.6%€90k▲ 58.8%€277k▲ 210%
Net result€23k-€65k▲ 185%€30k▼ 53.7%€35k▲ 17.5%€183k▲ 416%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 210% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.66M
Fixed assets
€1.22M▲ 7.4%
Current assets
€440k▲ 21.9%
Equity and liabilities €1.66M
Equity
€474k▲ 62.9%
Provisions
€51k
Debt
€1.14M▼ 5.8%
The debt ratio falls from 80.6% to 68.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€358k▲
2024 · €172k
Cash flow
€264k▲
2024 · €118k
Solvency
28.5%▲
2024 · 19.4%
Current ratio
1.23▲
2024 · 0.86
Quick ratio
1.00▲
2024 · 0.74
Debt / equity
2.40▼
2024 · 4.15
ROE
38.6%▲
2024 · 12.2%
ROA
11.0%▲
2024 · 2.4%
Interest coverage
11.53▲
2024 · 5.59
Debt
€1.14M▼
2024 · €1.21M
Debt ≤ 1 year
€357k▼
2024 · €420k
Debt > 1 year
€781k▼
2024 · €783k
Income taxes
€17k▼
2024 · €27k
Staff costs
€390k▲
2024 · €330k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.50M€1.66M▲
Fixed assets21/28€1.14M€1.22M▲
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€1.12M€1.21M▲
Land and buildings22€1.05M€1.15M▲
Plant, machinery and equipment23€28k€33k▲
Furniture and vehicles24€38k€24k▼
Financial fixed assets28€15k€15k=
Current assets29/58€361k€440k▲
Stocks and contracts in progress3€50k€82k▲
Stocks30/36€50k€82k▲
Amounts receivable within one year40/41€263k€200k▼
Trade receivables40€194k€105k▼
Other amounts receivable41€68k€95k▲
Cash at bank and in hand54/58€24k€144k▲
Deferred charges and accrued income490/1€25k€14k▼
Equity and liabilities
Total equity and liabilities10/49€1.50M€1.66M▲
Equity10/15€291k€474k▲
Contributions10/11€19k€19k=
Reserves13€175k€327k▲
Tax-exempt reserves132-€152k
Distributable reserves133€175k€175k=
Profit (loss) carried forward14€98k€128k▲
Provisions and deferred taxes16-€51k
Deferred taxes168-€51k
Amounts payable17/49€1.21M€1.14M▼
Amounts payable after more than one year17€783k€781k▼
Financial debts170/4€783k€781k▼
Amounts payable within one year42/48€420k€357k▼
Current portion of amounts payable after more than one year42€76k€51k▼
Trade debts44€230k€226k▼
Suppliers440/4€230k€226k▼
Taxes, remuneration and social security45€114k€79k▼
Taxes450/3€80k€35k▼
Remuneration and social security454/9€34k€44k▲
Accrued charges and deferred income492/3€6k€0▼
Income statement
Code20242025
Non-recurring operating income76A-€215k
Remuneration, social security and pensions62€330k€390k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€82k€81k▼
Other operating charges640/8€92k€64k▼
Non-recurring operating charges66A-€250
Gross operating margin9900€594k€813k▲
Operating profit (loss)9901€90k€277k▲
Financial income75/76B€4k€4k▲
Recurring financial income75€4k€4k▲
Financial charges65/66B€31k€31k▲
Recurring financial charges65€31k€31k▲
Profit (loss) for the period before taxes9903€63k€251k▲
Transfer from deferred taxes780-€3k
Transfer to deferred taxes680-€54k
Income taxes67/77€27k€17k▼
Profit (loss) for the period9904€35k€183k▲
Transfer from tax-exempt reserves789-€9k
Transfer to tax-exempt reserves689-€161k
Profit (loss) for the period to be appropriated9905€35k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€128k€128k▲
Profit (loss) brought forward from the previous period14P€92k€98k▲
Transfer to equity691/2€30k€0▼
To other reserves6921€30k€0▼
Social balance
Average headcount (FTE)90876.87.4▲
The notes to these accounts (30 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €183k ▲416%
Operating result €277k, net result €183k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
31-12
Financial
Equity above €200kEq €225k ▲36.9%
5 profitable years in a row build equity to €225k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Equity above €150kEq €165k ▲16.2%
4 profitable years in a row build equity to €165k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Equity above €100kEq €142k ▲63%
3 profitable years in a row build equity to €142k.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 90 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
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, Stavelot · 1 establishment unit since 2008
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.
Rue Saint Laurent 124970 StavelotGround area
3,171 m²
Building footprint
814 m²
Volume, LiDAR
5,106 m³
Parcel 63073B2380/00X002, Wallonia · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LES MAISONS ANDRE PATZE & CIE
since 20082.168.961.966
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63073B2380/00X002 | Wallonia | 3,171 m² | 1 · 814 m² | 7.6 m · 2 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.
Similar companies · same sector, comparable size
LOISELET FRERES
BE 0419.424.337
Chièvres · Eq €474k
VIRTUALL
BE 0508.685.915
Zaventem · Eq €474k
CEMSTEEL
BE 0830.713.938
Liège · Eq €474k
RIMO
BE 0450.846.003
Bree · Eq €474k
BATI-MANAGEMENT
BE 0719.780.283
Montigny-le-Tilleul · Eq €475k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 9,417 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2008
Fiscal year end31-12
Abbreviation FR
Les Maisons PATZE
Activities, NACEBEL
41001General construction of residential buildings
16230Manufacture of other builders' carpentry and joinery
43320Joinery installation
43410Roofing work
46180Agents specialised in the wholesale of other particular products
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.