Equity
€11,243 from €81,828 in 2020
Equity fell by 86% in 5 years.
PACOADVICE
Lifetime
11 annual accounts with figures on one time axispeak €32,457 (2018)
-€9,163▼ €12,698
lowest -€10,902 (2025)
-€10,902▼ €11,961
peak €81,828 (2020)
€11,243▼ 49.2%
€56,681▼ 12.8%
peak 0 FTE (2023)
0 FTE
Board1 name since 2015
1 directorPatricia COLS
Documentsfilings and deeds
12-06-202649 days before the deadline
2025financial year
Gross margin from €3,535 to -€9,163Loss of €10,902Equity from €22,144 to €11,243
Key points
from the 2025 annual accountsChecked score
84
Excellent
Financially stronger than 22% of micro companies in advertising and market research (NACE 73)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 11,231 companies (NACE 73, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026lowest value
07-2026: 0.3%▲ +0.2 percentage points vs 06-2026
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026highest value
10-2026: 0.2%▼ -0.1 percentage points vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Loss of €10,902 (financial year 2025)
Equity €11,243 (16.6% of total assets)
lowers risk
Liquidity: current ratio 1.12, cash €41,425
Size: total assets €67,924
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 73, micro). It does better than 24% of them on solvency, 46% on liquidity, 6% on profitability and 14% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,294 companies had the same profile as PACOADVICE has now. Each dot stands for 4 companies, two years later.
89.6%
were still trading
5.9%
stopped another way
4.1%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of PACOADVICE itself is lower: 0.2% within 12 months. It rests on far more data about PACOADVICE than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,294 companies, not a prediction for PACOADVICE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.12 (1.26 in 2024), below the usual 1.5. Short-term debt is 82.2% and cash 61% of total assets. 83.4% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 846 sector peers (2025).
NBB · sector comparisonPosition among 846 sector peers
Solvency
better than 24%
← weakest
strongest →
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 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 days early
2024
44 days early
2023
35 days early
2022
11 days early
2021
52 days early
2020
29 days early
2019
35 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 36 days before the deadline. In the sector (NACE 73), the median for financial year 2024 was 6 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 17 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0568867881
Company renamed from PACOADVISE to PACOADVICE
Change of role: Patricia COLS, from manager to director · Director discharge: Patricia COLS · General meeting of 22-12-2023 · Gazette deed
Incorporation
published on 22-01-2015 · Gazette deed
First establishment
PACOADVISE, Rue de la Source 27, Gerpinnes
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PACOADVICE Gerpinnes | €67,924 | -€9,163 | 16.6% | 0 |
| UNTAYLORED Herent | €71,426 | €951 | -38.3% | 0 |
| BLOUKRANS MANAGEMENT & COMMUNICATIONS Schoten | €36,012 | -€1,039 | -84.2% | 0 |
| ESTJ Sint-Genesius-Rode | €161,686 | -€2,417 | 11.9% | 0 |
| P.SUINEN Pont-à-Celles | €57,477 | -€158 | 99.1% | - |
| Etablissement Deplae Manage | €82,341 | -€6,661 | 70.2% | - |
| CONCEPT BEDENKERS Antwerp | €20,843 | -€13,369 | -622.1% | 0 |
These companies have the same main activity as PACOADVICE: public relations and communication consultancy (NACE 73300). They are comparable in size and age: total assets between €20,800 and €162,000, founded between 2012 and 2019.
Official details
Source: KBO- Status
- Active since 20-01-2015Normal situation
- Activity
- Public relations and communication consultancyNACE 73300and 2 others
- Establishment unit
- 2.238.847.1026280 Gerpinnes, since 20-01-2015
- Financial year end
- 31 December
- Peppol
- Reachable since 17-09-2025
Annual accounts 2025
- €67,924▼ 22.1%
- Filing
- Filed on 12-06-2026, 49 days before the end of the filing period
Insights on PACOADVICE
Solvency fell in 2025 from 25.4% to 16.6% because of the loss.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PACOADVICE
- What is the company number of PACOADVICE?
- The company number of PACOADVICE is 0568.867.881. The VAT number is the same number with BE in front: BE 0568.867.881.
- Where is PACOADVICE based?
- The registered office is at Rue de la Source 27, 6280 Gerpinnes.Company details
- What does PACOADVICE do?
- According to the KBO register, the main activity is public relations and communication consultancy (NACE 73300).
- What is the legal form of PACOADVICE?
- PACOADVICE is a private limited company (BV).
- When was PACOADVICE founded?
- PACOADVICE was founded on 20-01-2015.
- Is PACOADVICE still active?
- Yes, PACOADVICE is an active enterprise in the KBO register.
- What is the turnover of PACOADVICE?
- The annual accounts for financial year 2025 state no turnover.Financials
- Is PACOADVICE profitable?
- In financial year 2025, PACOADVICE made a loss of €10,902.
- Where can I find the annual accounts of PACOADVICE?
- PACOADVICE filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PACOADVICE due?
- PACOADVICE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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