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P&A PARTNERS

Active
Private limited companyfounded 2019active for 7 yearsRue Kéramis(L.L) 4, 7100 La Louvière, BelgiumKBO/BCE: BE 0725.424.002
Summary

P&A PARTNERS has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74,002 and a net result of €134,576. Equity has been shrinking by about 12% per year since 2020. Its solvency ranks better than 32% of 22,726 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Overview

Official details

Source: KBO
Status
Active since 16-04-2019 Normal situation
Activity
Retail sale of cars and light vans (up to 3.5 tonnes) NACE 47811and 6 others
Establishment units
2.288.155.368 7110 La Louvière, since 16-04-2019
2.288.156.061 7110 La Louvière, since 16-04-2019and 1 other
Financial year end
31 December
Peppol
Reachable since 05-03-2026

Board and ownership

Board

Financial position

66 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.2%
Annual accounts 2025
Gross margin
€355,095
▲ 103%
Turnover
≈ €3.0m
estimated
Profit
€134,576
▲ 75×
Equity
€74,002
▲ 20.6%
Total assets
€587,348
▲ 4.0%
Staff
≈ 2.4 FTE
estimated
  • 2025 accounts filed 61 days after the deadline
Filed on 30-09-2026
Score breakdownraises riskLast filed accounts filed 61 days late; 2 of the last 3 accounts lateEquity €74,002 (12.6% of total assets)lowers riskSize: total assets €587,348Liquidity: current ratio 1.04, cash €127,449Show the evidence

Checked score

Score 2025
66 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 55% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Average
Solvency 38+2
equity 12.6% of total assets
Liquidity 32+12
short-term debt 82.6% · cash 21.7%
Profitability 97+28
return on assets 22.9%
Bankruptcy probability within 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 2.2% 01-2025: 2.2%● unchanged vs 12-2024 02-2025: 2.3%▲ +0.1 percentage points vs 01-2025 03-2025: 2.3%● unchanged vs 02-2025 04-2025: 2.4%▲ +0.1 percentage points vs 03-2025 05-2025: 2.9%▲ +0.5 percentage points vs 04-2025 06-2025: 3.1%▲ +0.2 percentage points vs 05-2025 07-2025: 2.7%▼ -0.4 percentage points vs 06-2025 08-2025: 3.6%▲ +0.9 percentage points vs 07-2025highest value 09-2025: 2.0%▼ -1.6 percentage points vs 08-2025 10-2025: 2.0%● unchanged vs 09-2025 11-2025: 2.0%● unchanged vs 10-2025 12-2025: 2.0%● unchanged vs 11-2025 01-2026: 1.3%▼ -0.7 percentage points vs 12-2025 02-2026: 1.4%▲ +0.1 percentage points vs 01-2026 03-2026: 1.3%▼ -0.1 percentage points vs 02-2026 04-2026: 1.4%▲ +0.1 percentage points vs 03-2026 05-2026: 1.4%● unchanged vs 04-2026 06-2026: 1.4%● unchanged vs 05-2026 07-2026: 1.4%● unchanged vs 06-2026 08-2026: 2.0%▲ +0.6 percentage points vs 07-2026 09-2026: 2.3%▲ +0.3 percentage points vs 08-2026 10-2026: 1.2%▼ -1.1 percentage points vs 09-2026lowest value 11-2026: 1.2%● unchanged vs 10-2026lowest value
Credit of up to €4,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.04 (0.91 in 2024), below the usual 1.5. Short-term debt is 82.6% and cash 21.7% of total assets. 87.4% 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 29% of them on solvency, 29% on liquidity, 90% on profitability and 73% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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

Six signals.
lowers riskraises risk
raises risk · Last filed accounts filed 61 days late; 2 of the last 3 accounts late
NBB · filings
lowers risk · Size: total assets €587,348
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Equity €74,002 (12.6% of total assets)
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.04, cash €127,449
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
202122232425
2020 to 2025 · latest year €74,002
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filings
Deviation from the deadline
2025
61 days late
2024
29 days late
2023
56 days late
2022
57 days late
2021
122 days late
2020
80 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 68 days after 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 next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 September (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
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Result rose in 2025from €1,792 to €134,576 ▲ 75× View
  • Positive: Higher net result than 95% of companies in retail tradesector median €5,089 · 22,707 companies €134,576 View
  • Positive: 6 profitable years in a rowprofit 2025: €134,576 6 years View

Recent changes

  1. · Gazette deed Registered office moved to La LouvièreChanges of role: PICARDO Adriano (director) and BICAN Pamela (director)
  2. · Gazette deed Incorporation
All 12 events

Comparable companies

These companies have the same main activity as P&A PARTNERS: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €504,000 and €751,000, founded between 2018 and 2020.

CompanyTotal assetsGross margin
P&A PARTNERS La Louvière€587,348€355,095
Mondial Beaumont Beaumont€637,205€368,600
AMCARS - MR CLEAN Comines-Warneton€522,143€301,119
GARAGE WESTCARS Veurne€552,418€351,155
ABD COMPANY Kontich€504,234€417,202
CTCP Leuven€671,547€293,763
GARAGE DIRK MONSTREY Middelkerke€750,929€311,004
Full comparison

Key facts about P&A PARTNERS

What is the company number of P&A PARTNERS?
The company number of P&A PARTNERS is 0725.424.002. The VAT number is the same number with BE in front: BE 0725.424.002.
Where is P&A PARTNERS based?
The registered office is at Rue Kéramis(L.L) 4, 7100 La Louvière.Company details
What does P&A PARTNERS do?
According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
What is the legal form of P&A PARTNERS?
The legal form of P&A PARTNERS is Private limited company (BV).
When was P&A PARTNERS founded?
P&A PARTNERS was founded on 16-04-2019.
Is P&A PARTNERS still active?
Yes, P&A PARTNERS is an active enterprise in the KBO register.
How many employees does P&A PARTNERS have?
P&A PARTNERS had an average of 13.8 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of P&A PARTNERS?
The turnover in financial year 2025 is ≈ €3.0m. This figure is estimated from the gross margin of €355,095 and 35 comparable companies (NACE 47811). It probably lies between €1.6m and €4.5m.
Is P&A PARTNERS profitable?
In financial year 2025, P&A PARTNERS made a profit of €134,576.
Where can I find the annual accounts of P&A PARTNERS?
P&A PARTNERS filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of P&A PARTNERS due?
P&A PARTNERS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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