PACOVIS
ActiveSummary
The computed 12-month bankruptcy probability of PACOVIS is 2.3% (moderate). The 2025 annual accounts show equity of €43,003 and a net result of €11,256. Equity is growing by ~38.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 7598 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
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Signals
This company filed its last 4 accounts on average 36 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2025, micro schema
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Other operating charges640/8 | €817 | €1,479 | €1,668 | - | - |
| Gross operating margin9900 | €15,211 | €4,105 | €20,790 | €15,737 | ▼ 24.3% |
| Operating profit (loss)9901 | €14,393 | €2,626 | €19,121 | €15,737 | ▼ 17.7% |
| Financial income75/76B | €1 | - | - | - | - |
| Recurring financial income75 | €1 | - | - | - | - |
| Financial charges65/66B | €94 | €483 | €1,607 | €1,343 | ▼ 16.4% |
| Recurring financial charges65 | €94 | €483 | €1,607 | €1,343 | ▼ 16.4% |
| Profit (loss) for the period before taxes9903 | €14,300 | €2,144 | €17,515 | €14,394 | ▼ 17.8% |
| Income taxes67/77 | €2,877 | €797 | €3,537 | €3,138 | ▼ 11.3% |
| Profit (loss) for the period9904 | €11,423 | €1,346 | €13,978 | €11,256 | ▼ 19.5% |
| Profit (loss) for the period to be appropriated9905 | €11,423 | €1,346 | €13,978 | €11,256 | ▼ 19.5% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €19,881 | €18,678 | €36,742 | €46,613 | ▲ 26.9% |
| Fixed assets21/28 | €1,500 | €1,500 | - | - | - |
| Tangible fixed assets22/27 | €1,500 | €1,500 | - | - | - |
| Assets under construction and advance payments27 | €1,500 | €1,500 | - | - | - |
| Current assets29/58 | €18,381 | €17,178 | €36,742 | €46,613 | ▲ 26.9% |
| Amounts receivable within one year40/41 | €15,266 | €14,160 | €35,082 | €44,954 | ▲ 28.1% |
| Trade receivables40 | - | €6,299 | €10,856 | €14,225 | ▲ 31.0% |
| Other amounts receivable41 | €15,266 | €7,861 | €24,226 | €30,729 | ▲ 26.8% |
| Cash at bank and in hand54/58 | €3,115 | €3,018 | €1,660 | €1,660 | = |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €19,881 | €18,678 | €36,742 | €46,613 | ▲ 26.9% |
| Equity10/15 | €16,423 | €17,769 | €31,747 | €43,003 | ▲ 35.5% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Outside capital11 | €5,000 | - | - | - | - |
| Other1109/19 | €5,000 | - | - | - | - |
| Profit (loss) carried forward14 | €11,423 | €12,769 | €26,747 | €38,003 | ▲ 42.1% |
| Amounts payable17/49 | €3,458 | €909 | €4,995 | €3,610 | ▼ 27.7% |
| Amounts payable within one year42/48 | €3,458 | €909 | €4,995 | €3,610 | ▼ 27.7% |
| Trade debts44 | €581 | €111 | - | €472 | - |
| Suppliers440/4 | €581 | €111 | - | €472 | - |
| Taxes, remuneration and social security45 | €2,877 | €797 | €4,995 | €3,138 | ▼ 37.2% |
| Taxes450/3 | €2,877 | €797 | €4,995 | €3,138 | ▼ 37.2% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,423 | €1,346 | €13,978 | €11,256 | ▼ 19.5% |
| Operating cash flow (approximation) | €11,423 | €1,346 | €13,978 | €11,256 | ▼ 19.5% |
| Investment in fixed assets (approximation) | - | €0 | - | - | - |
| Change in cash | - | -€97 | -€1,358 | €0 | ▲ 100% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
1 establishment unit
2 parcels
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22001A0006/00W002 | Flanders | 1.1 ha | 1 · 794 m² | 13.0 m · 4 fl. |
| 21492B0191/00B000 | Brussels | 1,545 m² | 1 · 259 m² | 19.9 m · 6 fl. |
Linked by address, not proof of ownership
Similar companies · same sector, comparable size
Identification & contact
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.