PACT TEXTILE
ActiveThe computed 12-month bankruptcy probability of PACT TEXTILE is 4.6% (elevated). The 2025 annual accounts show negative equity (€-12k) and a net result of €-18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 18024 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
17
/ 100
Critical▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency33▲+3
Growth32=
Stability94
Bankruptcy probability, 12 months
4.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Age of the figures
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year -€12k
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 01-07-2026, 30 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
30 d early
2024
110 d late
2023
140 d late
2022
126 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-12k
2024 · €6k
2022: €13k
2023: €18k
2024: €6k
2022 → 2025
Total assets
€4k▼ 87.5%
2024 · €32k
2022: €22k
2023: €27k
2024: €32k
2022 → 2025
Net result
€-18k▼ 52.4%
2024 · €-12k
2022: €-4k
2023: €5k
2024: €-12k
2022 → 2025
Working capital
€-12k
2024 · €6k
2022: €13k
2023: €20k
2024: €6k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€13k-€18k▲ 37.1%€6k▼ 64.9%€-12k
Operating result€-4k-€6k€717▼ 87.2%€-28k
Net result€-4k-€5k€-12k€-18k▼ 52.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €28k after €717 in 2024, the lowest year so far.
Key figures and ratios
Debt
€16k▼
2024 · €26k
Debt ≤ 1 year
€16k▼
2024 · €26k
Income taxes
€-10k▼
2024 · €12k
Ratios withheld: a balance sheet total of €4k is too small for a meaningful ratio.
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€32k€4k▼
Current assets29/58€32k€4k▼
Stocks and contracts in progress3€25k-
Stocks30/36€25k-
Amounts receivable within one year40/41-€60
Other amounts receivable41-€60
Cash at bank and in hand54/58€7k€4k▼
Deferred charges and accrued income490/1€303€8▼
Equity and liabilities
Total equity and liabilities10/49€32k€4k▼
Equity10/15€6k€-12k▼
Contributions10/11€17k€17k=
Profit (loss) carried forward14€-11k€-29k▼
Amounts payable17/49€26k€16k▼
Amounts payable within one year42/48€26k€16k▼
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€13k€178▼
Taxes450/3€13k€178▼
Other amounts payable47/48€10k€10k=
Income statement
Code20242025
Other operating charges640/8€437€25k▲
Gross operating margin9900€1k€-3k▼
Operating profit (loss)9901€717€-28k▼
Financial charges65/66B€57€58▲
Recurring financial charges65€57€58▲
Profit (loss) for the period before taxes9903€661€-28k▼
Income taxes67/77€12k€-10k▼
Profit (loss) for the period9904€-12k€-18k▼
Profit (loss) for the period to be appropriated9905€-12k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-29k▼
Profit (loss) brought forward from the previous period14P€1k€-11k▼
The notes to these accounts (1 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
21-08
State Gazette act
Registered office · Resignations & appointmentsGeneral meeting · Director resignation · Director appointment5 facts ▸
State Gazette act
Registered office · Resignations & appointments
General meeting · Director resignation · Director appointment5 facts ▸
- General meeting, 2026-05-20
- Director resignation, Florence Jacquet (administrateur)
- Director appointment, Arthur Frateur (administrateur)
- Director appointment, Antoine Van't Westeinde (administrateur)
- Registered-office move, 6001 Marcinelle, rue Alexandre
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series.
18-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 110 days late
2024
18-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 140 days late
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
04-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 126 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 directors, no change since 2025
Antoine Van't Westeinde
CurrentDirector · since 31-12-2025
Arthur Frateur
CurrentDirector · since 31-12-2025
31-12-2025
Antoine Van't Westeinde: Appointed as Director
31-12-2025
Arthur Frateur: Appointed as Director
31-12-2025
Florence Jacquet: Resigned as Director
Location & real-estate footprint
Registered office, Charleroi · 1 establishment unit since 2022
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.
Rue Alexandre 436001 CharleroiGround area
7,001 m²
Building footprint
1,638 m²
Volume, LiDAR
13,232 m³
2 parcels, Wallonia · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PACT TEXTILE
since 20222.327.475.903
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52049C0878/00R003 | Wallonia | 4,365 m² | 1 · 1,425 m² | 9.2 m · 3 fl. |
| 52392D0173/00B000 | Wallonia | 2,636 m² | 1 · 213 m² | 8.7 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
EC LEADERS CONSULTING
BE 0757.943.548
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VAN TULDER KOOK & KADO
BE 0860.910.434
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QLOX
BE 1007.967.976
Lebbeke · Eq €6k
GAMES CENTER
BE 0795.982.592
Nazareth-De Pinte · Eq €6k
CONCRETE TECHNOLOGY
BE 0766.261.792
Vorst · Eq €6k
Of 12,964 companies in sector 47120 we hold annual accounts for 2,176. 1,058 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2022
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
13300Finishing of textiles
14130Manufacture of wearing apparel
14210Manufacture of outerwear
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
46411Wholesale trade
47512Retail sale of household textiles and bedding
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.maisonog.be
E-mail:og.lamarque@gmail.com