PAC & FIN

Active

Private limited company (pre-2019)founded 20179 yrs activeRue de la Gendarmerie 53, 4560 Clavier, BelgiumKBO/BCE: BE 0671.626.713

Summary

PAC & FIN has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €293,619 and a net result of €153,266. Equity is growing by ~17.7% per year across the filed fiscal years. Its solvency ranks better than 81% of 9508 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

PAC & FINActiveChecked score 98/100

Risk analysis Report Compare

Activity

Business and other management consultancy

NACE 70200Business consulting NACE 70220

#8 company by equity in Clavier, Professional and technical services sector1 site

Size

€343,046total assets 2025

Equity: €293,619
Profit: €153,266

Turnover not published (abridged schema)Net result +477%: other schema

Financial health

98 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.1%

Structure

Holdings: 1

Accounts 16 d early0 of 4 deeds read

Why 98- 1 change of registered office in 24 months+ Liquidity: current ratio 2.77, cash €132,332+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Equity €293,619 (85.6% of total assets)Show the evidence

Checked score

Score 2025

98 / 100

Excellent

Probability in this band: under 0.55%

Better than 87% of its sector peers (NACE 70, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 85.6% of total assets

Liquidity 96+27

short-term debt 14.2% · cash 38.6%

Profitability 100+10

return on assets 44.7%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.1% (47,477 companies)

Last 14 months 09-2025: 0.1% 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%● 0.0% vs 12-2025 02-2026: 0.1%● 0.0% vs 01-2026 03-2026: 0.1%● 0.0% vs 02-2026 04-2026: 0.2%▲ +12.8% vs 03-2026 05-2026: 0.2%▲ +13.2% vs 04-2026 06-2026: 0.2%▼ -1.1% vs 05-2026 07-2026: 0.2%▲ +10.7% vs 06-2026highest value 08-2026: 0.1%▼ -65.5% vs 07-2026lowest value 09-2026: 0.1%● 0.0% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value

1 change of registered office in 24 months raises the probability
Liquidity: current ratio 2.77, cash €132,332 lowers the probability
Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
Equity €293,619 (85.6% of total assets) lowers the probability

Credit up to €25,000 at 30 days acceptable

Liquidity ample (current ratio 2.77 against 5.75 in 2024; short-term debt: 14.2% and cash: 38.6% of total assets), and 14.4% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 86%, liquidity 90%, profitability 85%, growth against the median 89%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Liquidity: current ratio 2.77, cash €132,332

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Sector Activities of head offices; management consultancy activities (NACE 70)

In the bankruptcy model this factor lowers the probability.

KBO

Equity €293,619 (85.6% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.

NBB · 8 filings

Deviation from the deadline

2025

16 d early

2024

52 d early

2023

5 d late

2022

25 d late

2021

9 d late

2020

26 d late

2019

19 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 2 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 6 August (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

15-07-26 Annual accounts filedfiscal year 2025 · abbreviated…
31-12-25 Highest result since 2018net €153,266 ▲477%
31-12-25 Equity above €200,000Eq €293,619 ▲95.3%

Key points

Positive: Result rose in 2025different schema filed ▲ 477% View
Positive: Company by equity in Clavier, Professional and technical…in the Checked rankings #8 View
Positive: 8 profitable years in a rowprofit 2025: €153,266 8 years View