PACKO
ActivePACKO has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €112k and a net result of €34k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 95% of 8862 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent▲ +2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+21
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 118.12 against 1.57 in 2024), and 0.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
99.3%
Return on assets
30%
Age of the figures
8 mo
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 12-07-2026, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
19 d early
2024
47 d early
2023
15 d early
2022
39 d early
2021
8 d early
2020
38 d early
2019
22 d late
← before the deadline
after the deadline →
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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€112k▲ 43.2%
2024 · €79k
2021: €111k
2022: €111k
2023: €141k
2024: €79k
2021 → 2025
Total assets
€113k▼ 36.7%
2024 · €179k
2021: €130k
2022: €114k
2023: €141k
2024: €179k
2021 → 2025
Net result
€34k▼ 8.6%
2024 · €37k
2021: €-4k
2022: €246
2023: €30k
2024: €37k
2021 → 2025
Working capital
€88k▲ 54.4%
2024 · €57k
2021: €88k
2022: €89k
2024: €57k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€111k-€111k▲ 0.2%€141k▲ 27.1%€79k▼ 44.5%€112k▲ 43.2%
Operating result€-2k-€-2k▼ 4.5%€39k€50k▲ 27.5%€52k▲ 4.4%
Net result€-4k-€246€30k▲ 12,157%€37k▲ 23.3%€34k▼ 8.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 4% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €113k
Fixed assets
€24k▲ 13.1%
Current assets
€89k▼ 43.4%
Equity and liabilities €113k
Equity
€112k▲ 43.2%
Debt
€755▼ 99.2%
The debt ratio falls from 56.1% to 0.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€53k▲
2024 · €51k
Cash flow
€35k▼
2024 · €38k
Solvency
99.3%▲
2024 · 43.9%
Current ratio
118.12▲
2024 · 1.57
Quick ratio
118.12▲
2024 · 1.57
Debt / equity
0.01▼
2024 · 1.28
ROE
30.2%▼
2024 · 47.3%
ROA
30.0%▲
2024 · 20.8%
Interest coverage
1175.25▲
2024 · 1165.28
Debt
€755▼
2024 · €100k
Debt ≤ 1 year
€755▼
2024 · €100k
Income taxes
€18k▲
2024 · €13k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Total assets
20/58€179k€113k▼
Fixed assets
21/28€21k€24k▲
Tangible fixed assets
22/27€19k€18k▼
Financial fixed assets
28€2k€6k▲
Current assets
29/58€157k€89k▼
Amounts receivable within one year
40/41€17k€2k▼
Cash & bank
54/58€141k€88k▼
Total equity & liabilities
10/49€179k€113k▼
Equity
10/15€79k€112k▲
Contributions / capital
10/11€20k€20k=
Reserves
13€59k€92k▲
Amounts payable
17/49€100k€755▼
Amounts payable within one year
42/48€100k€755▼
Trade debts payable within one year
44€100€214▲
Income statement
Code20242025
Gross operating margin
9900€56k€58k▲
Operating result
9901€50k€52k▲
Financial income
75€19-
Financial charges
65€44€45▲
Result before taxes
9903€50k€52k▲
Income taxes
67/77€13k€18k▲
Net result for the period
9904€37k€34k▼
Result to be appropriated
9905€37k€34k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 75current ratio 118.12
Current ratio from 1.57 to 118.12; short-term debt falls from €100k to €755.
31-12
Financial
Equity above €100kEq €112k ▲43.2%
4 profitable years in a row build equity to €112k.
14-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2021net €37k ▲23.3%
Net result €37k, the highest in the series.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
10-01
State Gazette act
Director changes
v3.2
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €246
Net result €246 after one loss-making year.
31-12
Financial
Liquidity times 6current ratio 35.69
Current ratio from 5.60 to 35.69; short-term debt falls from €19k to €3k.
23-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
22-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 22 days late
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
14-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 1 act read
Directors · office · real estate
Directors
1 director, no change since 2024
GEBOERS Sven Jos
CurrentDirector · since 10-01-2024
10-01-2024
Appointed as Director
Location & real-estate footprint
Registered office, Schelle · 1 establishment unit since 2002
Ground area
1.9 ha
Building footprint
1.2 ha
Volume, LiDAR
110,299 m³
Parcel 11038C0286/00E000, Flanders · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Brandekensweg 13, 2627 Schelle
since 20022.114.424.113
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11038C0286/00E000 | Flanders | 1.9 ha | 1 · 1.2 ha | 13.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
DSM-INVEST
BE 0741.878.368
Wemmel · Eq €112k
PERFORMANCE MANAGEMENT ADVISORS
BE 0864.216.847
Ukkel · Eq €112k
THIPAU
BE 0792.706.566
Welkenraedt · Eq €112k
A Property
BE 0848.005.672
Kortenberg · Eq €113k
HM IMMO
BE 0745.566.645
Arlon · Eq €112k
Of 9,089 companies in sector 68201 we hold annual accounts for 6,517. 4,170 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-08-2002
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 05-09-2026. Scores and ratios are computed by Checked and are not a credit decision.