PACKU
ActivePACKU has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €256k and a net result of €25k. Equity is growing by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 72% of 69 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2026
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability78▼-11
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 4.65 against 5.29 in 2025; short-term debt: 20.3% and cash: 0.4% of total assets), and 24.8% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
75.2%
Return on assets
7.3%
Age of the figures
6 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 19-09-2026, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
42 d early
2025
10 d early
2024
2 d early
2023
16 d late
2022
26 d early
2021
95 d late
2020
17 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€256k▲ 10.7%
2025 · €231k
2019: €73k
2020: €76k
2021: €85k
2022: €108k
2023: €148k
2024: €182k
2025: €231k
2019 → 2026
Total assets
€340k▲ 12.3%
2025 · €303k
2019: €177k
2020: €189k
2021: €223k
2022: €231k
2023: €265k
2024: €297k
2025: €303k
2019 → 2026
Net result
€25k▼ 49.4%
2025 · €49k
2019: €8k
2020: €3k
2021: €9k
2022: €24k
2023: €39k
2024: €34k
2025: €49k
2019 → 2026
Working capital
€253k▲ 11.7%
2025 · €226k
2019: €78k
2020: €79k
2021: €84k
2022: €105k
2023: €140k
2024: €176k
2025: €226k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€108k-€148k▲ 36.4%€182k▲ 23.3%€231k▲ 26.7%€256k▲ 10.7%
Operating result€36k-€53k▲ 47.8%€50k▼ 4.3%€63k▲ 25.7%€40k▼ 36.1%
Net result€24k-€39k▲ 66.6%€34k▼ 12.5%€49k▲ 41.2%€25k▼ 49.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 36% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €340k
Fixed assets
€18k▼ 23.4%
Current assets
€322k▲ 15.3%
Equity and liabilities €340k
Equity
€256k▲ 10.7%
Debt
€84k▲ 17.6%
The debt ratio rises from 23.7% to 24.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€46k▼
2025 · €69k
Cash flow
€30k▼
2025 · €55k
Solvency
75.2%▼
2025 · 76.3%
Current ratio
4.65▼
2025 · 5.29
Quick ratio
4.65▼
2025 · 5.26
Debt / equity
0.33▲
2025 · 0.31
ROE
9.6%▼
2025 · 21.1%
ROA
7.3%▼
2025 · 16.1%
Interest coverage
11.22▼
2025 · 15.56
Debt
€84k▲
2025 · €72k
Debt ≤ 1 year
€69k▲
2025 · €53k
Debt > 1 year
€15k▼
2025 · €19k
Income taxes
€12k▼
2025 · €21k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€303k€340k▲
Fixed assets21/28€24k€18k▼
Tangible fixed assets22/27€23k€18k▼
Land and buildings22€17k€14k▼
Plant, machinery and equipment23€305€243▼
Furniture and vehicles24€6k€4k▼
Financial fixed assets28€500€500=
Current assets29/58€279k€322k▲
Stocks and contracts in progress3€2k€0▼
Stocks30/36€2k€0▼
Amounts receivable within one year40/41€273k€318k▲
Trade receivables40€16k€34k▲
Other amounts receivable41€256k€284k▲
Cash at bank and in hand54/58€3k€1k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€303k€340k▲
Equity10/15€231k€256k▲
Contributions10/11€12k€12k=
Reserves13€219k€243k▲
Distributable reserves133€219k€243k▲
Amounts payable17/49€72k€84k▲
Amounts payable after more than one year17€19k€15k▼
Financial debts170/4€19k€15k▼
Amounts payable within one year42/48€53k€69k▲
Current portion of amounts payable after more than one year42€4k€4k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€24k€43k▲
Suppliers440/4€24k€43k▲
Taxes, remuneration and social security45€25k€22k▼
Taxes450/3€25k€22k▼
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€72k€49k▼
Operating profit (loss)9901€63k€40k▼
Financial income75/76B€11k€7▼
Recurring financial income75€11k€7▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€70k€36k▼
Income taxes67/77€21k€12k▼
Profit (loss) for the period9904€49k€25k▼
Profit (loss) for the period to be appropriated9905€49k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€25k▼
Transfer to equity691/2€49k€25k▼
To other reserves6921€49k€25k▼
The notes to these accounts (12 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 2027, expected by
2026
19-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
21-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €49k ▲41.2%
Operating result €63k, net result €49k, both a record.
31-03
Financial
Equity above €200kEq €231k ▲26.7%
7 profitable years in a row build equity to €231k.
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Equity above €150kEq €182k ▲23.3%
6 profitable years in a row build equity to €182k.
2023
16-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2022
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Equity above €100kEq €108k ▲27.9%
4 profitable years in a row build equity to €108k.
03-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 95 days late
2020
17-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
31-03
Financial
Weakest financial yearnet €3k ▼63.6%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
2019
25-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
25-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ingelmunster · 1 establishment unit since 2009
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Kortrijkstraat 1698770 IngelmunsterGround area
353 m²
Building footprint
189 m²
Volume, LiDAR
1,150 m³
Parcel 36007C0276/02V000, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PACKU
since 20092.175.282.309
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36007C0276/02V000 | Flanders | 353 m² | 1 · 189 m² | 10.8 m · 2 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 2,452 companies in sector 41003 we hold annual accounts for 1,055. 689 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-2008
Fiscal year end31-03
Activities, NACEBEL
41003General construction of other non-residential buildings
42212Civil engineering
43120Site preparation
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.