PACOBIS
ActivePACOBIS has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €547k and a net result of €83k. Equity is growing by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 77% of 7993 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+2
Solvency97▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.02 in 2024; short-term debt: 13.2% and cash: 0.7% of total assets), and 27.9% 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 · 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
72.1%
Return on assets
10.9%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
15 d early
2023
33 d early
2022
31 d early
2021
69 d early
2020
31 d early
2019
31 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€547k▲ 17.8%
2024 · €465k
2018: €379k
2019: €413k
2020: €235k
2021: €278k
2022: €332k
2023: €400k
2024: €465k
2018 → 2025
Total assets
€759k▲ 4.4%
2024 · €727k
2018: €741k
2019: €747k
2020: €768k
2021: €767k
2022: €739k
2023: €746k
2024: €727k
2018 → 2025
Net result
€83k▲ 27.9%
2024 · €65k
2018: €35k
2019: €35k
2020: €35k
2021: €43k
2022: €54k
2023: €68k
2024: €65k
2018 → 2025
Working capital
€40k▲ 1,236%
2024 · €3k
2018: €-52k
2019: €-32k
2020: €-232k
2021: €-34k
2022: €-28k
2023: €-15k
2024: €3k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€278k-€332k▲ 19.5%€400k▲ 20.3%€465k▲ 16.2%€547k▲ 17.8%
Operating result€73k-€87k▲ 19.9%€107k▲ 22.2%€100k▼ 6.6%€127k▲ 27.3%
Net result€43k-€54k▲ 26.9%€68k▲ 24.4%€65k▼ 4.1%€83k▲ 27.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 27% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €759k
Fixed assets
€619k▲ 3.0%
Current assets
€140k▲ 11.1%
Equity and liabilities €759k
Equity
€547k▲ 17.8%
Debt
€212k▼ 19.3%
The debt ratio falls from 36.1% to 27.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€166k▲
2024 · €132k
Cash flow
€122k▲
2024 · €97k
Solvency
72.1%▲
2024 · 63.9%
Current ratio
1.40▲
2024 · 1.02
Quick ratio
1.40▲
2024 · 1.02
Debt / equity
0.39▼
2024 · 0.56
ROE
15.1%▲
2024 · 13.9%
ROA
10.9%▲
2024 · 8.9%
Interest coverage
30.35▲
2024 · 24.77
Debt
€212k▼
2024 · €262k
Debt ≤ 1 year
€100k▼
2024 · €123k
Debt > 1 year
€105k▼
2024 · €132k
Income taxes
€39k▲
2024 · €30k
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€727k€759k▲
Fixed assets21/28€601k€619k▲
Tangible fixed assets22/27€600k€618k▲
Plant, machinery and equipment23-€745
Furniture and vehicles24€5k€39k▲
Other tangible fixed assets26€595k€579k▼
Financial fixed assets28€744€744=
Current assets29/58€126k€140k▲
Amounts receivable within one year40/41€106k€128k▲
Trade receivables40€89k€96k▲
Other amounts receivable41€17k€31k▲
Cash at bank and in hand54/58€13k€5k▼
Deferred charges and accrued income490/1€7k€7k▲
Equity and liabilities
Total equity and liabilities10/49€727k€759k▲
Equity10/15€465k€547k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€310k€393k▲
Non-distributable reserves130/1€12k€12k=
Legal reserve130€12k€12k=
Tax-exempt reserves132€248€248=
Distributable reserves133€298k€381k▲
Profit (loss) carried forward14€92k€92k=
Amounts payable17/49€262k€212k▼
Amounts payable after more than one year17€132k€105k▼
Financial debts170/4€132k€105k▼
Amounts payable within one year42/48€123k€100k▼
Current portion of amounts payable after more than one year42€71k€51k▼
Trade debts44€10k€5k▼
Suppliers440/4€10k€5k▼
Taxes, remuneration and social security45€42k€44k▲
Taxes450/3€42k€44k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€7k€7k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€39k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€6k
Other operating charges640/8€7k€8k▲
Gross operating margin9900€139k€180k▲
Operating profit (loss)9901€100k€127k▲
Financial income75/76B€421€616▲
Recurring financial income75€421€616▲
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€95k€122k▲
Income taxes67/77€30k€39k▲
Profit (loss) for the period9904€65k€83k▲
Profit (loss) for the period to be appropriated9905€65k€83k▲
Appropriation of the result
Profit (loss) to be appropriated9906€157k€175k▲
Profit (loss) brought forward from the previous period14P€92k€92k=
Transfer to equity691/2€65k€83k▲
To other reserves6921€65k€83k▲
The notes to these accounts (20 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €83k ▲27.9%
Operating result €127k, net result €83k, both a record.
31-12
Financial
Equity above €500kEq €547k ▲17.8%
8 profitable years in a row build equity to €547k.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2017
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
13-04-2017
Resigned as Director
Location & real-estate footprint
Registered office, Lievegem · 1 establishment unit since 1983
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.
Bevrijdingstraat 59930 LievegemGround area
2,078 m²
Building footprint
298 m²
Volume, LiDAR
1,447 m³
2 parcels, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NV PACOBIS
since 19832.021.579.572
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44080D0507/02F002 | Flanders | 1,340 m² | 1 · 178 m² | 7.5 m · 1 fl. |
| 44402A0079/00Z005 | Flanders | 739 m² | 1 · 120 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
LA MORELLA-GEENS
BE 0818.703.853
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BE 0539.771.940
Ukkel · Eq €557k
New Matrix
BE 0878.776.745
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GEOFOOD
BE 0836.062.497
Beveren-Kruibeke-Zwijndrecht · Eq €534k
Farmafyt
BE 0882.541.137
Chaudfontaine · Eq €533k
Of 1,641 companies in sector 46170 we hold annual accounts for 671. 364 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-12-1982
Fiscal year end31-12
Activities, NACEBEL
46170Agents in the wholesale of food, beverages and tobacco
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 43 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.