Summary
PACOJE & C° is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €83k and a net result of €7k. Equity is shrinking by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 84% of 2435 sector peers (fiscal year 2025). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
29 d late
2023
9 d late
2022
4 d late
2021
1 d late
2020
31 d late
2019
100 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€83k▲ 8.9%
2024 · €76k
2018: €180k
2019: €163k
2020: €141k
2021: €130k
2022: €102k
2023: €82k
2024: €76k
2018 → 2025
Net result
€7k
2024 · €-6k
2018: €-16k
2019: €-17k
2020: €-22k
2021: €-11k
2022: €-28k
2023: €-20k
2024: €-6k
2018 → 2025
Total assets
€96k▲ 2.0%
2024 · €94k
2018: €185k
2019: €169k
2020: €148k
2021: €137k
2022: €129k
2023: €102k
2024: €94k
2018 → 2025
Solvency
86.5%▲ 5.5pp
2024 · 81.1%
2018: 97.2%
2019: 96.4%
2020: 95.5%
2021: 94.4%
2022: 79.1%
2023: 80.9%
2024: 81.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€130k-€102k▼ 21.4%€82k▼ 19.3%€76k▼ 7.2%€83k▲ 8.9%
Operating result€-11k-€-29k▼ 155%€-20k▲ 30.3%€-6k▲ 68.2%€5k
Net result€-11k-€-28k▼ 142%€-20k▲ 28.9%€-6k▲ 69.8%€7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €5k after a loss of €6k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €96k
Equity
€83k ▲ 8.9%
Debt
€13k ▼ 27.4%
Debt's share of the balance-sheet total falls from 18.9% to 13.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
8.2%▲
2024 · -7.8%
ROA
7.1%▲
2024 · -6.3%
Debt ≤ 1 year
€13k▼
2024 · €18k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€94k€96k▲
Current assets29/58€94k€96k▲
Amounts receivable within one year40/41€900€3k▲
Trade receivables40€900€2k▲
Other amounts receivable41-€461
Current investments50/53€45k€45k=
Cash at bank and in hand54/58€48k€49k▲
Deferred charges and accrued income490/1€360-
Equity and liabilities
Total equity and liabilities10/49€94k€96k▲
Equity10/15€76k€83k▲
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€54k€61k▲
Amounts payable17/49€18k€13k▼
Amounts payable within one year42/48€18k€13k▼
Trade debts44€316€139▼
Suppliers440/4€316€139▼
Taxes, remuneration and social security45€2k€80▼
Taxes450/3€1k€80▼
Remuneration and social security454/9€1k-
Other amounts payable47/48€15k€13k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€104-
Other operating charges640/8€2k€2k▲
Gross operating margin9900€-5k€7k▲
Operating profit (loss)9901€-6k€5k▲
Financial income75/76B€528€2k▲
Recurring financial income75€528€2k▲
Financial charges65/66B€68€72▲
Recurring financial charges65€68€72▲
Profit (loss) for the period before taxes9903€-6k€7k▲
Income taxes67/77€1-
Profit (loss) for the period9904€-6k€7k▲
Profit (loss) for the period to be appropriated9905€-6k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€54k€61k▲
Profit (loss) brought forward from the previous period14P€60k€54k▼
The notes to these accounts (3 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Back to profitnet €7k
Net result €7k after 7 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
31-12
Financial
Weakest financial yearnet €-28k
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
08-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 100 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Pepingen · 1 establishment unit since 2001
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.
Plutsingenstraat(P) 19A1670 PepingenGround area
3,214 m²
Building footprint
495 m²
Volume, LiDAR
2,489 m³
2 parcels, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PACOJE & CO
since 20012.097.725.859
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23064G0266/00C000 | Flanders | 2,131 m² | 1 · 315 m² | 7.7 m · 2 fl. |
| 23064G0265/00D000 | Flanders | 1,083 m² | 1 · 180 m² | 8.0 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900503HOBWJKOH192
Similar companies · same sector, comparable size
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ODILIS
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BE 0758.837.235
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,618 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-11-2000
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
01610Support activities for crop production
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.