Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of PAC interiors is 2.2% (moderate). The 2024 annual accounts show equity of €12k and a net result of €2k. Its solvency ranks better than 23% of 1225 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Signals
1 signal · with evidenceSignals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
3 signalsAdministrative Flags
0 eventsBankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Annual accounts & ratios
Source: NBB · 2024| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 2.4% | 20.4% | |
| Net result | €2k | €26k | |
| Equity | €12k | €142k | |
| Gross operating margin | €710k | €217k | |
| Staff costs | €630k | €163k |
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | €57k |
| Net profit | €2k |
| Cash flow | €26k |
| Staff costs | €630k |
| Income taxes | €9k |
| Dividends | - |
| Total assets | €507k |
| Equity | €12k |
| Debt | €495k |
| of which ≤ 1y | €255k |
| of which > 1y | €192k |
| Working capital | €171k |
| Employees (FTE) | 4.5 |
| 2024 | |
|---|---|
| Current ratio | 1.67 |
| Quick ratio | 1.50 |
| Working capital ratio | 33.7% |
| Solvency | 2.4% |
| Debt / equity | 41.26 |
| Long-term debt ratio | 15.99 |
| Interest coverage | 2.67 |
| Gross margin | - |
| Net margin | - |
| ROA | 0.4% |
| ROE | 16.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €507k |
| Fixed assets | 21/28 | €81k |
| Intangible fixed assets | 21 | €17k |
| Tangible fixed assets | 22/27 | €63k |
| Financial fixed assets | 28 | €698 |
| Current assets | 29/58 | €425k |
| Stocks & contracts in progress | 3 | €43k |
| Amounts receivable within one year | 40/41 | €167k |
| Cash & bank | 54/58 | €207k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €507k |
| Equity | 10/15 | €12k |
| Contributions / capital | 10/11 | €10k |
| Accumulated profits (losses) | 14 | €2k |
| Amounts payable | 17/49 | €495k |
| Amounts payable after one year | 17 | €192k |
| Amounts payable within one year | 42/48 | €255k |
| Trade debts payable within one year | 44 | €99k |
| Income statement | ||
| Gross operating margin | 9900 | €710k |
| Operating result | 9901 | €32k |
| Financial income | 75 | €553 |
| Financial charges | 65 | €21k |
| Result before taxes | 9903 | €11k |
| Income taxes | 67/77 | €9k |
| Net result for the period | 9904 | €2k |
| Result to be appropriated | 9905 | €2k |
Health barometer
FY 2024 · computedUnlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Structure & network
Locations & real estate
Establishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44015A0324/00A000 | Flanders | 2,043 m² | 1 · 790 m² | 7.9 m · 2 fl. |
Analysis
Snowflake analysis
financial profile on 5 axesStrong profile, led by profitability.
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Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameNL | PAC interiors |