Summary
PACKCOM is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €38,624 and a net result of €46,740. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 56% of 3320 sector peers (fiscal year 2024). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
28 d early
2022
24 d early
2021
37 d early
2020
30 d late
2019
144 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 9 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€38,624
2023 · -€8,117
Net result
€46,740▼ 14.4%
2023 · €54,630
Total assets
€69,149▼ 6.5%
2023 · €73,980
Solvency
55.9%▲ 66.8pp
2023 · -11.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€22,824€13,363-€548€60,659€62,228▲ 2.6%
Net result-€37,269below the sector's middle half€13,160within the sector's middle half-€683below the sector's middle half€54,630within the sector's middle half€46,740within the sector's middle half▼ 14.4%
Equity-€65,354below the sector's middle half▼ 133%-€62,064below the sector's middle half▲ 5.0%-€62,747below the sector's middle half▼ 1.1%-€8,117below the sector's middle half▲ 87.1%€38,624within the sector's middle half
Total assets€48,857below the sector's middle half▼ 22.7%€12,860below the sector's middle half▼ 73.7%€10,456below the sector's middle half▼ 18.7%€73,980below the sector's middle half▲ 608%€69,149below the sector's middle half▼ 6.5%
Debt€114,211▲ 25.1%€74,924▼ 34.4%€73,203▼ 2.3%€82,097▲ 12.1%€30,525▼ 62.8%
Working capital€14,003within the sector's middle half▼ 72.4%-€15,186below the sector's middle half-€16,466below the sector's middle half▼ 8.4%€38,164within the sector's middle half€59,905within the sector's middle half▲ 57.0%
Solvency-133.8%below the sector's middle half▼ 89.4pp-482.6%below the sector's middle half▼ 348.8pp-600.1%below the sector's middle half▼ 117.5pp-11.0%below the sector's middle half▲ 589.1pp55.9%within the sector's middle half▲ 66.8pp
Current ratio1.40within the sector's middle half▼ 3.830.46below the sector's middle half▼ 0.940.39below the sector's middle half▼ 0.072.07within the sector's middle half▲ 1.687.48above the sector's middle half▲ 5.41
Return on assets (ROA)-76.3%below the sector's middle half▼ 93.8pp102.3%above the sector's middle half▲ 178.6pp-6.5%below the sector's middle half▼ 108.9pp73.8%above the sector's middle half▲ 80.4pp67.6%above the sector's middle half▼ 6.3pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 3% above 2023 and is the highest result in the available series.
Balance-sheet composition
Equity and liabilities €69,149
Equity
€38,624
Debt
€30,525
Debt finances 44.1% of the balance-sheet total.
Key figures and ratios
ROE
121.0%
Debt ≤ 1 year
€9,244▼
2023 · €35,816
Debt > 1 year
€21,281▼
2023 · €46,281
Income taxes
€15,263▲
2023 · €5,893
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €600 | - | - | - | - | - |
| Other operating charges640/8 | - | - | - | €384 | €387 | ▲ 0.8% |
| Non-recurring operating charges66A | - | €150 | €200 | €6 | €100 | ▲ 1,455% |
| Gross operating margin9900 | -€21,546 | €13,513 | -€348 | €61,050 | €62,716 | ▲ 2.7% |
| Operating profit (loss)9901 | -€22,824 | €13,363 | -€548 | €60,659 | €62,228 | ▲ 2.6% |
| Financial income75/76B | - | - | - | - | €5 | - |
| Recurring financial income75 | - | - | - | - | €5 | - |
| Financial charges65/66B | - | €203 | €135 | €135 | €229 | ▲ 69.0% |
| Recurring financial charges65 | €976 | €203 | €135 | €135 | €229 | ▲ 69.0% |
| Profit (loss) for the period before taxes9903 | -€23,800 | €13,160 | -€683 | €60,524 | €62,004 | ▲ 2.4% |
| Income taxes67/77 | €13,469 | - | - | €5,893 | €15,263 | ▲ 159% |
| Profit (loss) for the period9904 | -€37,269 | €13,160 | -€683 | €54,630 | €46,740 | ▼ 14.4% |
| Transfer to tax-exempt reserves689 | - | - | - | - | €21,050 | - |
| Profit (loss) for the period to be appropriated9905 | -€37,269 | €13,160 | -€683 | €54,630 | €25,690 | ▼ 53.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €48,857 | €12,860 | €10,456 | €73,980 | €69,149 | ▼ 6.5% |
| Current assets29/58 | €48,857 | €12,860 | €10,456 | €73,980 | €69,149 | ▼ 6.5% |
| Amounts receivable within one year40/41 | €26,410 | €5,747 | €4,449 | €64,063 | €27,550 | ▼ 57.0% |
| Trade receivables40 | - | €959 | - | €64,050 | €27,550 | ▼ 57.0% |
| Other amounts receivable41 | - | €4,788 | €4,449 | €13 | - | - |
| Cash at bank and in hand54/58 | €22,447 | €7,113 | €6,008 | €9,917 | €41,599 | ▲ 319% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €48,857 | €12,860 | €10,456 | €73,980 | €69,149 | ▼ 6.5% |
| Equity10/15 | -€65,354 | -€62,064 | -€62,747 | -€8,117 | €38,624 | ▲ 576% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €12,659 | €12,659 | €12,659 | €12,659 | €33,709 | ▲ 166% |
| Non-distributable reserves130/1 | - | €52 | €52 | €52 | - | - |
| Reserves not available under the articles1311 | - | €52 | €52 | €52 | - | - |
| Tax-exempt reserves132 | - | €7,574 | €7,574 | €7,574 | €21,050 | ▲ 178% |
| Distributable reserves133 | - | €5,034 | €5,034 | €5,034 | €12,659 | ▲ 151% |
| Profit (loss) carried forward14 | -€94,083 | -€80,923 | -€81,606 | -€26,976 | -€1,285 | ▲ 95.2% |
| Amounts payable17/49 | €114,211 | €74,924 | €73,203 | €82,097 | €30,525 | ▼ 62.8% |
| Amounts payable after more than one year17 | €79,357 | €46,878 | €46,281 | €46,281 | €21,281 | ▼ 54.0% |
| Financial debts170/4 | - | €46,878 | €46,281 | €46,281 | €21,281 | ▼ 54.0% |
| Amounts payable within one year42/48 | €34,854 | €28,046 | €26,922 | €35,816 | €9,244 | ▼ 74.2% |
| Trade debts44 | €31,354 | €28,046 | €26,922 | €26,922 | - | - |
| Suppliers440/4 | - | €28,046 | €26,922 | €26,922 | - | - |
| Taxes, remuneration and social security45 | - | - | - | €8,893 | €6,244 | ▼ 29.8% |
| Taxes450/3 | - | - | - | €5,893 | €6,244 | ▲ 5.9% |
| Remuneration and social security454/9 | - | - | - | €3,000 | - | - |
| Other amounts payable47/48 | - | - | - | - | €3,000 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€37,269 | €13,160 | -€683 | €54,630 | €46,740 | ▼ 14.4% |
| + Depreciation and write-downs630 | €600 | - | - | - | - | - |
| Operating cash flow (approximation) | -€36,669 | €13,160 | -€683 | €54,630 | €46,740 | ▼ 14.4% |
| Change in cash | - | -€15,334 | -€1,106 | €3,909 | €31,682 | ▲ 710% |
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
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 7.48
Current ratio from 2.07 to 7.48; short-term debt falls from €35,816 to €9,244.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €54,630
Net result €54,630 after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 2.07
Current ratio from 0.39 to 2.07.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €13,160
Net result €13,160 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet -€37,269
Net result drops to -€37,269, the lowest in the series; recovery starts the following year.
22-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 144 days late
2019
31-12
Financial
Back to profitnet €11,085
Net result €11,085 after one loss-making year.
Show earlier events
29-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 121 days late
11-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 164 days late
2017
06-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 67 days late
2016
11-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 72 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Sainte-Ode · 1 establishment unit since 2002
Ground area
1.2 ha
Building footprint
968 m²
Volume, LiDAR
7,098 m³
Parcel 84032B0241/00L002, Wallonia · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Bastogne 7, 6680 Sainte-Ode
since 20022.103.239.518
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84032B0241/00L002 | Wallonia | 1.2 ha | 1 · 968 m² | 12.7 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.
Similar companies · same sector, comparable size
BSN FINANCEMENT
BE 0793.687.949
Seneffe · Eq €45,821
Vanhelmont Melina
BE 0759.509.109
Herent · Eq €22,778
INFINITUM INVEST
BE 0554.822.974
Dentergem · Eq €68,477
THESA
BE 0479.073.991
Nivelles · Eq €74,620
NATAL
BE 0459.578.971
Harelbeke · Eq €18,645
Of 63 companies in sector 66110 we hold annual accounts for 37. 16 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-11-2001
Fiscal year end31-12
Activities, NACEBEL 2025
66110Activities auxiliary to financial services and insurance activities
46180Agents specialised in the wholesale of other particular products
Contact
E-mail
info@packcom.eu
Phone
061/68.88.89
E-invoicing
Reachable via Peppol
Peppol ID
0208:0476013345
Registered
10-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.