PACT TEXTILE
ActiveFrom the official registers: KBO 4 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
The computed 12-month bankruptcy probability of PACT TEXTILE is 2.2% (moderate). The 2025 annual accounts show negative equity (-€11,620) and a net result of -€18,012. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 5% of 22,726 sector peers (NACE 47, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Official details
KBO- Status
- Active since 19-01-2022 Normal situation
- Activity
- Other non-specialised retail sale NACE 47120and 5 others
- Establishment unit
- 2.327.475.903 6061 Charleroi, since 19-01-2022
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Board and ownership
- Antoine Van't WesteindeDirector · since 31-12-2025
- Arthur FrateurDirector · since 31-12-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 2.2%
- Gross margin
- -€3,369
- Loss
- €18,012
- ▲ 52.4%
- Equity
- -€11,620
- Total assets
- €4,014
- ▼ 87.5%
Score breakdownraises risk1 change of registered office in 24 monthsNegative equity -€11,620lowers riskSize: total assets €4,014Liquidity: current ratio 0.26, cash €3,946Show the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
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 47, micro). It does better than 6% of them on solvency, 52% on liquidity, 6% on profitability and 2% on growth.
The bankruptcy probability was computed on 31-10-2026 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.
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).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 4 accounts on average 87 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
Key points
- Risk: Negative equitydebts exceed assets in financial year 2025 -€11,620 View
- Caution: Lower solvency than 95% of companies in retail tradesector median 33.2% · 22,726 companies -289.5% View
- Board changedlatest change 31-12-2025 · 2 in office 2 joined · 1 left View
- Caution: 2 loss-making years in a rowloss in financial year 2025 -€18,012 View
Comparable companies
These companies have the same main activity as PACT TEXTILE: other non-specialised retail sale (NACE 47120). They are comparable in size and age: total assets between €3,170 and €4,890, founded between 2021 and 2022.
| Company | Total assets | Gross margin |
|---|---|---|
| PACT TEXTILE Charleroi | €4,014 | -€3,369 |
| Paradise4Birds Pittem | €4,167 | -€1,320 |
| Biznez Miznez Sint-Truiden | €4,601 | -€7,110 |
| Woods Hulshout | €4,764 | -€5,715 |
| Beltrio Antwerpen | €4,888 | -€23,448 |
| MyNursery Donceel | €3,166 | -€902 |
| WooDuck Sint-Katelijne-Waver | €3,366 | -€3,207 |
Documents
Annual accounts at the NBB
- Annual accounts 2025filed on 01-07-2026
- Annual accounts 2024filed on 18-11-2025
- Annual accounts 2023filed on 18-12-2024
- Annual accounts 2022filed on 04-12-2023
Acts in the Belgian Official Gazette
- Registered office · Resignations & appointmentsact of 21-08-2026
Articles and registers
- Coordinated articles of associationnotaries' database
- Entry in the KBO registerKBO Public Search
Key facts about PACT TEXTILE
- What is the company number of PACT TEXTILE?
- The company number of PACT TEXTILE is 0780.639.469. The VAT number is the same number with BE in front: BE 0780.639.469.
- Where is PACT TEXTILE based?
- The registered office is at Rue Alexandre 43, 6001 Charleroi.Company details
- What does PACT TEXTILE do?
- According to the KBO register, the main activity is other non-specialised retail sale (NACE 47120).
- What is the legal form of PACT TEXTILE?
- The legal form of PACT TEXTILE is Private limited company (BV).
- When was PACT TEXTILE founded?
- PACT TEXTILE was founded on 19-01-2022.
- Is PACT TEXTILE still active?
- Yes, PACT TEXTILE is an active enterprise in the KBO register.
- What is the turnover of PACT TEXTILE?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is PACT TEXTILE profitable?
- In financial year 2025, PACT TEXTILE made a loss of €18,012.
- Where can I find the annual accounts of PACT TEXTILE?
- PACT TEXTILE filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
- When are the next annual accounts of PACT TEXTILE due?
- PACT TEXTILE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
See how customers, suppliers and banks see your own company and what to improve first.