PACKPROCESS
ActivePACKPROCESS has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €23k. Equity is shrinking by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 74% of 31459 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth28=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 3.92 against 10.18 in 2024), and 22% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
78%
Return on assets
19%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €93k
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 14-07-2026, 17 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
17 d early
2024
on the day
2023
13 d early
2022
3 d early
2021
24 d late
2020
25 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
11-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€277k▲ 4.0%
2021 · €267k
2020: €305k
2021: €267k
2020 → 2022
EBIT margin
18.4%▼ 31.9pp
2021 · 50.4%
2020: 59.9%
2021: 50.4%
2020 → 2022
Net result
€23k▼ 49.7%
2024 · €45k
2020: €166k
2021: €115k
2022: €20k
2023: €44k
2024: €45k
2020 → 2025
Working capital
€76k▲ 8.6%
2024 · €70k
2020: €124k
2021: €168k
2022: €192k
2023: €24k
2024: €70k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€267k-€277k▲ 4.0%
Equity€171k-€190k▲ 11.5%€25k▼ 86.7%€70k▲ 177%€93k▲ 32.2%
Operating result€134k-€51k▼ 61.9%€69k▲ 35.1%€60k▼ 13.3%€31k▼ 48.8%
Net result€115k-€20k▼ 82.9%€44k▲ 123%€45k▲ 2.7%€23k▼ 49.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 49% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119k
Fixed assets
€17k
Current assets
€102k
Equity and liabilities €119k
Equity
€93k▲ 32.2%
Debt
€26k▲ 242%
The debt ratio rises from 9.8% to 22.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€32k▼
2024 · €61k
Cash flow
€24k▼
2024 · €46k
Solvency
78.0%▼
2024 · 90.2%
Current ratio
3.92▼
2024 · 10.18
Quick ratio
3.92▼
2024 · 10.18
Debt / equity
0.28▲
2024 · 0.11
ROE
24.3%▼
2024 · 64.0%
ROA
19.0%▼
2024 · 57.7%
Interest coverage
133.39▲
2024 · 87.19
Debt
€26k▲
2024 · €8k
Debt ≤ 1 year
€26k▲
2024 · €8k
Income taxes
€8k▼
2024 · €14k
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
Assets
Total assets20/58€78k€119k▲
Fixed assets21/28-€17k
Tangible fixed assets22/27-€17k
Plant, machinery and equipment23-€17k
Current assets29/58€78k€102k▲
Amounts receivable within one year40/41€43k€16k▼
Trade receivables40€28k-
Other amounts receivable41€15k€16k▲
Cash at bank and in hand54/58€32k€85k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€78k€119k▲
Equity10/15€70k€93k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€50k€73k▲
Amounts payable17/49€8k€26k▲
Amounts payable within one year42/48€8k€26k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€5k€11k▲
Taxes450/3€5k€11k▲
Other amounts payable47/48€82€12k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€927€2k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€63k€33k▼
Operating profit (loss)9901€60k€31k▼
Financial charges65/66B€698€242▼
Recurring financial charges65€698€242▼
Profit (loss) for the period before taxes9903€59k€30k▼
Income taxes67/77€14k€8k▼
Profit (loss) for the period9904€45k€23k▼
Profit (loss) for the period to be appropriated9905€45k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€73k▲
Profit (loss) brought forward from the previous period14P€5k€50k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 9current ratio 10.18
Current ratio from 1.10 to 10.18; short-term debt falls from €257k to €8k.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €20k ▼82.9%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Equity above €150kEq €171k ▲35.8%
2 profitable years in a row build equity to €171k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 2019
Ground area
237 m²
Building footprint
103 m²
Volume, LiDAR
766 m³
Parcel 11344A0458/00G000, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PACKPROCESS
since 20192.295.961.195
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11344A0458/00G000 | Flanders | 237 m² | 1 · 103 m² | 11.5 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.
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Of 82,201 companies in sector 70200 we hold annual accounts for 52,397. 40,349 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.