Pacauto
ActiveSummary
Pacauto has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €691k and a net result of €104k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 34% of 4886 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability47▼-3
Solvency56▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity tight (current ratio 1.46 against 1.31 in 2024; short-term debt: 63.9% and cash: 4.3% of total assets), and 68.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
31.1%
Return on assets
4.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
20 d early
2023
33 d early
2022
26 d early
2021
26 d early
2020
31 d early
2019
29 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€104k▼ 38.1%
2024 · €168k
2018: €1klowest in 8 years
2019: €16k▲ +1460% vs 2018
2020: €100k▲ +524% vs 2019
2021: €176k▲ +75.9% vs 2020highest in 8 years
2022: €42k▼ -76.0% vs 2021
2023: €102k▲ +142% vs 2022
2024: €168k▲ +63.8% vs 2023
2025: €104k▼ -38.1% vs 2024
2018 → 2025
Working capital
€651k▲ 21.0%
2024 · €538k
2018: €280klowest in 8 years
2019: €287k▲ +2.4% vs 2018
2020: €412k▲ +43.6% vs 2019
2021: €461k▲ +11.7% vs 2020
2022: €453k▼ -1.7% vs 2021
2023: €530k▲ +17.1% vs 2022
2024: €538k▲ +1.4% vs 2023
2025: €651k▲ +21.0% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€470k-€512k▲ 9.0%€565k▲ 10.2%€612k▲ 8.4%€691k▲ 12.9%
2021: €470klowest in 5 years
2022: €512k▲ +9.0% vs 2021
2023: €565k▲ +10.2% vs 2022
2024: €612k▲ +8.4% vs 2023
2025: €691k▲ +12.9% vs 2024highest in 5 years
Operating result€303k-€162k▼ 46.4%€251k▲ 54.9%€344k▲ 37.1%€266k▼ 22.9%
2021: €303k
2022: €162k▼ -46.4% vs 2021lowest in 5 years
2023: €251k▲ +54.9% vs 2022
2024: €344k▲ +37.1% vs 2023highest in 5 years
2025: €266k▼ -22.9% vs 2024
Net result€176k-€42k▼ 76.0%€102k▲ 142%€168k▲ 63.8%€104k▼ 38.1%
2021: €176khighest in 5 years
2022: €42k▼ -76.0% vs 2021lowest in 5 years
2023: €102k▲ +142% vs 2022
2024: €168k▲ +63.8% vs 2023
2025: €104k▼ -38.1% vs 2024
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.22M
Fixed assets
€152k ▼ 12.6%
Current assets
€2.07M ▼ 9.1%
Equity and liabilities €2.22M
Equity
€691k ▲ 12.9%
Provisions
€35k
Debt
€1.50M ▼ 18.7%
Debt's share of the balance-sheet total falls from 75.1% to 67.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€338k▼
2024 · €415k
Cash flow
€176k▼
2024 · €238k
Current ratio
1.46▲
2024 · 1.31
Quick ratio
0.45▲
2024 · 0.32
Debt to equity
2.17▼
2024 · 3.01
ROE
15.0%▼
2024 · 27.4%
ROA
4.7%▼
2024 · 6.8%
Interest coverage
2.74▲
2024 · 2.67
Debt ≤ 1 year
€1.42M▼
2024 · €1.74M
Debt > 1 year
€10k▼
2024 · €28k
Income taxes
€44k▲
2024 · €26k
Staff costs
€1.04M▲
2024 · €1.02M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 66 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.45M€2.22M▼
Fixed assets21/28€174k€152k▼
Intangible fixed assets21€121k€81k▼
Tangible fixed assets22/27€53k€71k▲
Plant, machinery and equipment23€20k€20k▲
Furniture and vehicles24€25k€32k▲
Other tangible fixed assets26€8k€19k▲
Current assets29/58€2.28M€2.07M▼
Stocks and contracts in progress3€1.72M€1.43M▼
Stocks30/36€1.72M€1.43M▼
Amounts receivable within one year40/41€494k€498k▲
Trade receivables40€494k€497k▲
Other amounts receivable41€81€725▲
Cash at bank and in hand54/58€59k€95k▲
Deferred charges and accrued income490/1€11k€45k▲
Equity and liabilities
Total equity and liabilities10/49€2.45M€2.22M▼
Equity10/15€612k€691k▲
Contributions10/11€70k€70k=
Capital10€70k€70k=
Issued capital100€70k€70k=
Reserves13€540k€621k▲
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Distributable reserves133€533k€614k▲
Profit (loss) carried forward14€2k-
Provisions and deferred taxes16-€35k
Provisions for liabilities and charges160/5-€35k
Environmental obligations163-€35k
Amounts payable17/49€1.84M€1.50M▼
Amounts payable after more than one year17€28k€10k▼
Financial debts170/4€28k€10k▼
Amounts payable within one year42/48€1.74M€1.42M▼
Current portion of amounts payable after more than one year42€22k€18k▼
Financial debts43€925k€624k▼
Credit institutions430/8€925k€624k▼
Trade debts44€518k€264k▼
Suppliers440/4€518k€264k▼
Taxes, remuneration and social security45€107k€90k▼
Taxes450/3€35k€24k▼
Remuneration and social security454/9€72k€66k▼
Other amounts payable47/48€170k€425k▲
Accrued charges and deferred income492/3€72k€67k▼
Income statement
Code20242025
Non-recurring operating income76A€3k€15k▲
Remuneration, social security and pensions62€1.02M€1.04M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€73k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-24k€-1k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€35k
Other operating charges640/8€6k€8k▲
Non-recurring operating charges66A-€699
Gross operating margin9900€1.41M€1.42M▲
Operating profit (loss)9901€344k€266k▼
Financial income75/76B€4k€6k▲
Recurring financial income75€4k€6k▲
Financial charges65/66B€155k€123k▼
Recurring financial charges65€155k€123k▼
Profit (loss) for the period before taxes9903€193k€148k▼
Income taxes67/77€26k€44k▲
Profit (loss) for the period9904€168k€104k▼
Profit (loss) for the period to be appropriated9905€168k€104k▼
Appropriation of the result
Profit (loss) to be appropriated9906€172k€106k▼
Profit (loss) brought forward from the previous period14P€5k€2k▼
Transfer to equity691/2€50k€81k▲
To other reserves6921€50k€81k▲
Profit to be distributed694/7€120k€25k▼
Directors or managers695€120k€25k▼
Social balance
Average headcount (FTE)908710.611.5▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €60 | - | €6k | €3k | €15k | ▲ 378% |
| Remuneration, social security and pensions62 | €833k | €877k | €918k | €1.02M | €1.04M | ▲ 2.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €43k | €51k | €72k | €70k | €73k | ▲ 3.1% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €-3k | - | €-6k | €-24k | €-1k | ▲ 95.8% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €-20k | - | - | - | €35k | - |
| Other operating charges640/8 | €11k | €7k | €14k | €6k | €8k | ▲ 45.5% |
| Non-recurring operating charges66A | - | - | - | - | €699 | - |
| Gross operating margin9900 | €1.17M | €1.10M | €1.25M | €1.41M | €1.42M | ▲ 0.6% |
| Operating profit (loss)9901 | €303k | €162k | €251k | €344k | €266k | ▼ 22.9% |
| Financial income75/76B | €4k | €5k | €3k | €4k | €6k | ▲ 27.1% |
| Recurring financial income75 | €4k | €5k | €3k | €4k | €6k | ▲ 27.1% |
| Financial charges65/66B | €94k | €97k | €123k | €155k | €123k | ▼ 20.6% |
| Recurring financial charges65 | €94k | €97k | €123k | €155k | €123k | ▼ 20.6% |
| Profit (loss) for the period before taxes9903 | €213k | €69k | €131k | €193k | €148k | ▼ 23.5% |
| Income taxes67/77 | €37k | €27k | €29k | €26k | €44k | ▲ 70.7% |
| Profit (loss) for the period9904 | €176k | €42k | €102k | €168k | €104k | ▼ 38.1% |
| Transfer from tax-exempt reserves789 | €38k | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €214k | €42k | €102k | €168k | €104k | ▼ 38.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.19M | €2.15M | €2.10M | €2.45M | €2.22M | ▼ 9.4% |
| Fixed assets21/28 | €135k | €216k | €168k | €174k | €152k | ▼ 12.6% |
| Intangible fixed assets21 | €44k | €131k | €107k | €121k | €81k | ▼ 33.0% |
| Tangible fixed assets22/27 | €91k | €85k | €61k | €53k | €71k | ▲ 33.9% |
| Plant, machinery and equipment23 | €302 | €15k | €19k | €20k | €20k | ▲ 0.7% |
| Furniture and vehicles24 | €47k | €32k | €17k | €25k | €32k | ▲ 29.7% |
| Leasing and similar rights25 | €44k | €31k | €18k | - | - | - |
| Other tangible fixed assets26 | - | €7k | €6k | €8k | €19k | ▲ 128% |
| Current assets29/58 | €2.06M | €1.94M | €1.93M | €2.28M | €2.07M | ▼ 9.1% |
| Stocks and contracts in progress3 | €1.49M | €1.28M | €1.30M | €1.72M | €1.43M | ▼ 16.5% |
| Stocks30/36 | €1.49M | €1.28M | €1.30M | €1.72M | €1.43M | ▼ 16.5% |
| Amounts receivable within one year40/41 | €441k | €518k | €447k | €494k | €498k | ▲ 0.8% |
| Trade receivables40 | €434k | €517k | €445k | €494k | €497k | ▲ 0.7% |
| Other amounts receivable41 | €7k | €1k | €2k | €81 | €725 | ▲ 792% |
| Cash at bank and in hand54/58 | €107k | €113k | €164k | €59k | €95k | ▲ 62.7% |
| Deferred charges and accrued income490/1 | €17k | €24k | €21k | €11k | €45k | ▲ 319% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.19M | €2.15M | €2.10M | €2.45M | €2.22M | ▼ 9.4% |
| Equity10/15 | €470k | €512k | €565k | €612k | €691k | ▲ 12.9% |
| Contributions10/11 | €70k | €70k | €70k | €70k | €70k | = |
| Capital10 | €70k | €70k | €70k | €70k | €70k | = |
| Issued capital100 | €70k | €70k | €70k | €70k | €70k | = |
| Reserves13 | €397k | €440k | €490k | €540k | €621k | ▲ 15.0% |
| Non-distributable reserves130/1 | €7k | €7k | €7k | €7k | €7k | = |
| Legal reserve130 | €7k | €7k | €7k | €7k | €7k | = |
| Distributable reserves133 | €390k | €433k | €483k | €533k | €614k | ▲ 15.2% |
| Profit (loss) carried forward14 | €3k | €2k | €5k | €2k | - | - |
| Provisions and deferred taxes16 | - | - | - | - | €35k | - |
| Provisions for liabilities and charges160/5 | - | - | - | - | €35k | - |
| Environmental obligations163 | - | - | - | - | €35k | - |
| Amounts payable17/49 | €1.72M | €1.64M | €1.53M | €1.84M | €1.50M | ▼ 18.7% |
| Amounts payable after more than one year17 | €65k | €81k | €50k | €28k | €10k | ▼ 64.4% |
| Financial debts170/4 | €65k | €81k | €50k | €28k | €10k | ▼ 64.4% |
| Amounts payable within one year42/48 | €1.60M | €1.48M | €1.40M | €1.74M | €1.42M | ▼ 18.4% |
| Current portion of amounts payable after more than one year42 | €30k | €40k | €31k | €22k | €18k | ▼ 20.3% |
| Financial debts43 | €945k | €906k | €778k | €925k | €624k | ▼ 32.6% |
| Credit institutions430/8 | €945k | €906k | €778k | €925k | €624k | ▼ 32.6% |
| Trade debts44 | €474k | €432k | €432k | €518k | €264k | ▼ 49.0% |
| Suppliers440/4 | €474k | €432k | €432k | €518k | €264k | ▼ 49.0% |
| Taxes, remuneration and social security45 | €64k | €104k | €109k | €107k | €90k | ▼ 15.5% |
| Taxes450/3 | €2k | €30k | €34k | €35k | €24k | ▼ 31.6% |
| Remuneration and social security454/9 | €62k | €74k | €75k | €72k | €66k | ▼ 7.6% |
| Other amounts payable47/48 | €85k | €262 | €50k | €170k | €425k | ▲ 150% |
| Accrued charges and deferred income492/3 | €61k | €76k | €83k | €72k | €67k | ▼ 6.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €176k | €42k | €102k | €168k | €104k | ▼ 38.1% |
| + Depreciation and write-downs630 | €43k | €51k | €72k | €70k | €73k | ▲ 3.1% |
| Operating cash flow (approximation) | €219k | €93k | €174k | €238k | €176k | ▼ 25.9% |
| Investment in fixed assets (approximation) | - | €-132k | €-24k | €-77k | €-51k | ▲ 34.4% |
| Change in cash | - | €7k | €51k | €-105k | €37k | ▲ 135% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €500kEq €512k ▲9%
5 profitable years in a row build equity to €512k.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €176k ▲75.9%
Net result €176k, the highest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
8 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, Grobbendonk · 1 establishment unit since 1996
Ground area
9,308 m²
Building footprint
3,071 m²
Volume, LiDAR
16,831 m³
Parcel 13010E0150/00D000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
PACAUTO
since 19962.037.067.603
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13010E0150/00D000 | Flanders | 9,307 m² | 1 · 3,071 m² | 7.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,328 EUR awarded · 2,741 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 396 EUR | 827 EUR |
| 2024 | 1 | 658 EUR | 227 EUR |
| 2023 | 1 | 0 EUR | 1,687 EUR |
| 2022 | 1 | 274 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
549300PHW31EXMHGNU60
Similar companies · same sector, comparable size
ORBIT INDUSTRIAL TRADING
BE 0426.358.451
Geel · Eq €689k
WIRE AND STEEL TRADING
BE 0457.308.775
Antwerpen · Eq €694k
AUTOMATERIALEN R.S.M.
BE 0420.166.485
Bilzen-Hoeselt · Eq €687k
LOGGERE METAALWERKEN
BE 0406.037.545
Hoogstraten · Eq €698k
SOLIDE PRECIOUS METALS
BE 0560.917.346
Lanaken · Eq €682k
Of 1,744 companies in sector 46720 we hold annual accounts for 1,083. 785 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded31-07-1968
Fiscal year end31-12
Activities, NACEBEL 2025
46720Wholesale of motor vehicle parts and accessories
Scores and ratios are computed by Checked and are not a credit decision.