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Generated 22-07-2026
Active BE 0635.675.642Private limited company

PACA CONSTRUCT

Dorpsstraat 9 ·1640 Sint-Genesius-Rode, Belgium· 10 yrs active
Sector: Specialised construction (43990)
Conclusion Checked

The computed 12-month bankruptcy probability of PACA CONSTRUCT is 1.3% (low). The 2023 annual accounts show equity of €422k and a net result of €116k. Equity is growing by ~45.7% per year across the filed fiscal years. Its solvency ranks better than 65% of 8989 sector peers (fiscal year 2023). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.
Key figures
Equity €422k
Net result €116k
Better than sector 65%
Active 10 yrs
Snowflake analysis 5 axes · computed by Checked
Health95Profitability60Solvency94Growth55Stability100
81 / 100

Exceptional profile, strong across almost every axis.

Health 95
Profitability 60
Solvency 94
Growth 55
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
1.3% Low
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Established
Founded in 2015, 10 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2023 · computed
95 / 100 Excellent
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview8 NBB filings
Annual accounts filed on 04-11-2024 with the NBB · fiscal year 2023 · micro
€0€1.00M€2.00M€3.00MOperating result 2019: €39k€39kNet result 2019: €62k€62kRevenue 2020: €3.22M€3.22MOperating result 2020: €85k€85kNet result 2020: €64k€64kRevenue 2021: €2.83M€2.83MOperating result 2021: €63k€63kNet result 2021: €48k€48kRevenue 2022: €3.10M€3.10MOperating result 2022: €165k€165kNet result 2022: €129k€129kRevenue 2023: €2.57M€2.57MOperating result 2023: €159k€159kNet result 2023: €116k€116k20192020202120222023
RevenueOperating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~45.7%/year over 6 fiscal years, indicative, assuming unchanged policy.
€0€500k€1.00M€1.50M2024: €631k (€597k - €665k)2025: €919k (€885k - €953k)2026: €1.34M (€1.30M - €1.37M)2018: €68k2019: €86k2020: €150k2021: €198k2022: €305k2023: €422k201820192020202120222023202420252026
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2023 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 51.3% 38.7%
better than 65% of 8989 sector peers
Net result €116k €12k
better than 95% of 8974 sector peers
Equity €422k €30k
better than 95% of 8994 sector peers
Gross operating margin €292k €33k
better than 95% of 8965 sector peers
Staff costs €116k €26k
higher than 86% of 3293 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€2.57M
-17.2% far above sector median
EBITDA
€169k
-8.0% far above sector median
Net profit
€116k
-9.8% far above sector median
Cash flow
€126k
-14.2% far above sector median
Total assets
€822k
-64.7% far above sector median
Equity
€422k
+38.1% far above sector median
Working capital
€374k
+20.7% far above sector median
Employees (FTE)
2
+50.0% -57% vs sector
Staff costs
€116k
+15.3% -27% vs sector
Income taxes
€39k
-7.6% far above sector median
Debt
€400k
-80.2% far above sector median
Debt ≤ 1y
€400k
-79.8% far above sector median
Debt > 1y
€40k
-20.9% -41% vs sector
Current ratio
1.93
+67.2% -59% vs sector
Quick ratio
1.93
+67.2% -58% vs sector
Solvency
51.3%
+290.8% +13% vs sector
Debt / equity
0.95
-85.7% -24% vs sector
ROE
27.6%
-34.6% far above sector median
ROA
14.2%
+155.4% far above sector median
Net margin
4.5%
+9.0% +28% vs sector
EBITDA margin
6.6%
+11.1% +208% vs sector
Interest coverage
42.72
-86.3% far above sector median
Figures by fiscal year
Fiscal year2023
Revenue€2.57M
EBITDA€169k
Net profit€116k
Cash flow€126k
Staff costs€116k
Income taxes€39k
Dividends-
Total assets€822k
Equity€422k
Debt€400k
of which ≤ 1y€400k
of which > 1y-
Working capital€374k
Employees (FTE)-
Ratios (computed)
2023
Current ratio1.93
Quick ratio1.93
Working capital ratio45.5%
Solvency51.3%
Debt / equity0.95
Long-term debt ratio-
Interest coverage42.72
Gross margin11.4%
Net margin4.5%
ROA14.2%
ROE27.6%
EBITDA margin6.6%
Days sales outstanding77d
Days payable outstanding50d
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€822k
Fixed assets 21/28€48k
Tangible fixed assets 22/27€39k
Financial fixed assets 28€9k
Current assets 29/58€774k
Amounts receivable within one year 40/41€588k
Cash & bank 54/58€186k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€822k
Equity 10/15€422k
Contributions / capital 10/11€12k
Reserves 13€14k
Accumulated profits (losses) 14€395k
Amounts payable 17/49€400k
Amounts payable within one year 42/48€400k
Trade debts payable within one year 44€310k
Income statement
Turnover 70€2.57M
Gross operating margin 9900€292k
Operating result 9901€159k
Financial income 75€66
Financial charges 65€4k
Result before taxes 9903€155k
Income taxes 67/77€39k
Net result for the period 9904€116k
Result to be appropriated 9905€116k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Specialised construction(43990)
Legal form Private limited company(610)
Incorporation21-08-2015
StatusActive
Postal code1640
Establishment units 1 location
PACA CONSTRUCT
Dilbeekstraat 47/A, 1082 Sint-Agatha-BerchemOnderhouds- en herstellingswerken van mechanische aard voor rekening van derden
since 20152.245.274.044
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels 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.

Flanders 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
21003A0231/00S008 Brussels 285 m² 1 · 96 m² 14.4 m · 4 fl.
22004C0835/00K000 Flanders 89 m² 1 · 113 m² 13.1 m · 4 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 9 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2024
04-11-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
29-12-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
28-02-2023
State Gazette act Capital & shares
17-02-2023
NBB filing Annual accounts filed
fiscal year 2021 · micro
2022
19-11-2022
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
26-11-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
15-11-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
02-10-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2017
23-05-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
Belgisch Staatsblad, acts 1 acts
Capital history · 1
28-02-2023
Capital change
All acts · 1 updated 3 years ago
2023
28-02-2023 Restructuring of share classes Capital & shares
Technical details 
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Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank
Activities
Metselwerk43910Overige gespecialiseerde bouwactiviteiten, neg43990Uitvoeren van metsel- en voegwerken43994Overige gespecialiseerde bouwwerkzaamheden43999
Primary activity highlighted.
Names & trade names
Legal nameFR PACA CONSTRUCT
Registered office
Dorpsstraat 9
1640 Sint-Genesius-Rode, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative