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PACHECO

Active
Public limited companyfounded 196956 yrs activeAvenue du Commerce 42, 1420 Braine-l'Alleud, BelgiumKBO/BCE: BE 0406.926.084
Summary

PACHECO has been active since 1969 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €447,087 and a net result of €17,991. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 41% of 6032 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch ReportCompare
PACHECOActiveChecked score 85/100
Risk analysis ReportCompare

Overview

Activity
Wholesale of pharmaceutical and medical goods
NACE 46460Retail sale of pharmaceutical products NACE 47730Warehousing and support activities for transportation NACE 52310
#10 oldest company in Braine-l'Alleud, Wholesale and retail trade sector2 sites
Size
€1.2mtotal assets 2025
Staff
1.6 FTE
Equity
€447,087
Profit
€17,991
Financial health
85 Excellent Checked score 2025
Bankruptcy chance 12 m
0.3%
Structure
Parent
FARGAN · 99%
Accounts filed 31 d late0 of 5 deeds read
Why 85- Liquidity: current ratio 1.62, cash €40,011- Latest accounts 31 days late; 1 of the last 3 late+ Size: 1.6 FTE, total assets €1.2m+ Founded in 1969Show the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Better than 38% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 63+4
equity 37.6% of total assets
Liquidity 22+5
short-term debt 61.6% · cash 3.4%
Profitability 41-8
return on assets 1.5%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,865 companies)
Last 24 months 11-2024: 0.4% 12-2024: 0.4%● 0.0% vs 11-2024 01-2025: 0.4%▼ -0.5% vs 12-2024 02-2025: 0.4%▲ +1.3% vs 01-2025 03-2025: 0.4%▼ -1.3% vs 02-2025 04-2025: 0.4%▲ +2.1% vs 03-2025 05-2025: 0.4%▲ +0.5% vs 04-2025 06-2025: 0.4%▲ +4.2% vs 05-2025 07-2025: 0.5%▲ +26.8% vs 06-2025 08-2025: 0.8%▲ +61.1% vs 07-2025highest value 09-2025: 0.2%▼ -75.5% vs 08-2025lowest value 10-2025: 0.2%● 0.0% vs 09-2025lowest value 11-2025: 0.2%● 0.0% vs 10-2025lowest value 12-2025: 0.2%● 0.0% vs 11-2025lowest value 01-2026: 0.2%● 0.0% vs 12-2025lowest value 02-2026: 0.2%▲ +1.5% vs 01-2026 03-2026: 0.2%▼ -1.5% vs 02-2026lowest value 04-2026: 0.2%▲ +10.5% vs 03-2026 05-2026: 0.2%▲ +4.1% vs 04-2026 06-2026: 0.2%▲ +8.7% vs 05-2026 07-2026: 0.3%▲ +2.8% vs 06-2026 08-2026: 0.6%▲ +144% vs 07-2026 09-2026: 0.3%▼ -54.6% vs 08-2026 10-2026: 0.3%● 0.0% vs 09-2026
  • Liquidity: current ratio 1.62, cash €40,011 raises the probability
  • Latest accounts 31 days late; 1 of the last 3 late raises the probability
  • Size: 1.6 FTE, total assets €1.2m lowers the probability for this profile
  • Founded in 1969 lowers the probability for this profile
Credit up to €35,000 at 30 days acceptable
Liquidity ample (current ratio 1.62 against 1.53 in 2024; short-term debt: 61.6% and cash: 3.4% of total assets), but 62.4% 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 46, micro). Better than this share of them on solvency 46%, liquidity 20%, profitability 33%, growth against the median 53%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. 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.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 1.62, cash €40,011
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Latest accounts 31 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Size: 1.6 FTE, total assets €1.2m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Founded in 1969
In the bankruptcy model this factor lowers the probability for this profile.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
31 d late
2024
on the day
2023
30 d late
2022
28 d late
2021
31 d late
2020
26 d late
2019
89 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 34 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

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. Usually files around 31 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · full…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Back to profitnet €60,443

Key points

  • Positive: Oldest company in Braine-l'Alleud, Wholesale and retail trade…in the Checked rankings #10 View
  • Controlled by FARGAN 99% View
  • Active since 1969founded 10-12-1969 56 years View

By topic

Financials

Fiscal year
2025
Total assets
€1.2m
Profit
€17,991
Solvency
37.6%
Total assets▼ 5.5%
Net result
20182025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-07-2027
  1. 31-08-2026Annual accounts filed
  2. 31-07-2025Annual accounts filed
  3. 31-12-2024Back to profit
Go to Timeline

Company details

Sites
2
Legal form
Public limited company
Activity
Wholesale of pharmaceutical and medical goodsNACE 46460
Founded
10-12-1969
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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