PACTI
ActiveSummary
PACTI has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €273k and a net result of €68k. Equity is growing by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 84% of 1906 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability96▲+1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 7.09 against 5.25 in 2024; short-term debt: 13.1% and cash: 51.8% of total assets), and 13.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
about 52% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
86.9%
Return on assets
21.6%
Age of the figures
9 mo
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 08-06-2026, 53 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
53 d early
2024
42 d early
2023
44 d early
2022
46 d early
2021
38 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€273k▲ 3.6%
2024 · €264k
2021: €87klowest in 5 years
2022: €171k▲ +96.2% vs 2021
2023: €247k▲ +44.4% vs 2022
2024: €264k▲ +6.7% vs 2023
2025: €273k▲ +3.6% vs 2024highest in 5 years
2021 → 2025
Total assets
€315k▼ 1.7%
2024 · €320k
2021: €111klowest in 5 years
2022: €187k▲ +68.6% vs 2021
2023: €261k▲ +39.3% vs 2022
2024: €320k▲ +22.7% vs 2023highest in 5 years
2025: €315k▼ -1.7% vs 2024
2021 → 2025
Net result
€68k▲ 2.3%
2024 · €67k
2021: €82k
2022: €84k▲ +2.1% vs 2021highest in 5 years
2023: €76k▼ -9.5% vs 2022
2024: €67k▼ -12.5% vs 2023lowest in 5 years
2025: €68k▲ +2.3% vs 2024
2021 → 2025
Working capital
€252k▲ 5.1%
2024 · €239k
2021: €37klowest in 5 years
2022: €127k▲ +246% vs 2021
2023: €209k▲ +64.7% vs 2022
2024: €239k▲ +14.4% vs 2023
2025: €252k▲ +5.1% vs 2024highest in 5 years
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€87k-€171k▲ 96.2%€247k▲ 44.4%€264k▲ 6.7%€273k▲ 3.6%
2021: €87klowest in 5 years
2022: €171k▲ +96.2% vs 2021
2023: €247k▲ +44.4% vs 2022
2024: €264k▲ +6.7% vs 2023
2025: €273k▲ +3.6% vs 2024highest in 5 years
Operating result€57k-€113k▲ 98.1%€102k▼ 9.5%€90k▼ 11.5%€80k▼ 11.4%
2021: €57klowest in 5 years
2022: €113k▲ +98.1% vs 2021highest in 5 years
2023: €102k▼ -9.5% vs 2022
2024: €90k▼ -11.5% vs 2023
2025: €80k▼ -11.4% vs 2024
Net result€82k-€84k▲ 2.1%€76k▼ 9.5%€67k▼ 12.5%€68k▲ 2.3%
2021: €82k
2022: €84k▲ +2.1% vs 2021highest in 5 years
2023: €76k▼ -9.5% vs 2022
2024: €67k▼ -12.5% vs 2023lowest in 5 years
2025: €68k▲ +2.3% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €315k
Fixed assets
€22k ▼ 11.5%
Current assets
€293k ▼ 0.9%
Equity and liabilities €315k
Equity
€273k ▲ 3.6%
Debt
€41k ▼ 26.6%
Debt's share of the balance-sheet total falls from 17.6% to 13.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€95k▼
2024 · €107k
Cash flow
€83k▲
2024 · €83k
Current ratio
7.09▲
2024 · 5.25
Debt to equity
0.15▼
2024 · 0.21
ROE
24.9%▼
2024 · 25.2%
ROA
21.6%▲
2024 · 20.8%
Interest coverage
176.26▲
2024 · 133.66
Debt ≤ 1 year
€41k▼
2024 · €56k
Income taxes
€20k▼
2024 · €26k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€320k€315k▼
Fixed assets21/28€25k€22k▼
Tangible fixed assets22/27€25k€22k▼
Furniture and vehicles24€25k€22k▼
Current assets29/58€296k€293k▼
Amounts receivable within one year40/41€26k€41k▲
Trade receivables40€26k€37k▲
Other amounts receivable41€45€4k▲
Current investments50/53€188k€88k▼
Cash at bank and in hand54/58€79k€163k▲
Deferred charges and accrued income490/1€2k€533▼
Equity and liabilities
Total equity and liabilities10/49€320k€315k▼
Equity10/15€264k€273k▲
Contributions10/11€5k€5k=
Reserves13€235k€267k▲
Distributable reserves133€235k€267k▲
Profit (loss) carried forward14€24k€905▼
Amounts payable17/49€56k€41k▼
Amounts payable within one year42/48€56k€41k▼
Financial debts43€14€104▲
Credit institutions430/8€14€104▲
Trade debts44€1k€813▼
Suppliers440/4€1k€813▼
Taxes, remuneration and social security45€5k€5k▼
Taxes450/3€5k€5k▼
Other amounts payable47/48€50k€36k▼
Income statement
Code20242025
Non-recurring operating income76A-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€15k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€6k
Other operating charges640/8-€400
Non-recurring operating charges66A-€1k
Gross operating margin9900€107k€102k▼
Operating profit (loss)9901€90k€80k▼
Financial income75/76B€3k€9k▲
Recurring financial income75€3k€9k▲
Financial charges65/66B€798€541▼
Recurring financial charges65€798€541▼
Profit (loss) for the period before taxes9903€93k€89k▼
Income taxes67/77€26k€20k▼
Profit (loss) for the period9904€67k€68k▲
Profit (loss) for the period to be appropriated9905€67k€68k▲
Appropriation of the result
Profit (loss) to be appropriated9906€140k€92k▼
Profit (loss) brought forward from the previous period14P€74k€24k▼
Transfer to equity691/2€67k€32k▼
To other reserves6921€67k€32k▼
Profit to be distributed694/7€50k€59k▲
Return on contributions (dividend)694€50k€59k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €2k | - |
| Remuneration, social security and pensions62 | €26k | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €12k | €14k | €16k | €15k | ▼ 6.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €6k | - |
| Other operating charges640/8 | - | - | - | - | €400 | - |
| Non-recurring operating charges66A | €57k | - | - | - | €1k | - |
| Gross operating margin9900 | €144k | €125k | €116k | €107k | €102k | ▼ 4.0% |
| Operating profit (loss)9901 | €57k | €113k | €102k | €90k | €80k | ▼ 11.4% |
| Financial income75/76B | €57k | - | €1k | €3k | €9k | ▲ 167% |
| Recurring financial income75 | €57k | - | €1k | €3k | €9k | ▲ 167% |
| Non-recurring financial income76B | €57k | - | - | - | - | - |
| Financial charges65/66B | €91 | €545 | €2k | €798 | €541 | ▼ 32.2% |
| Recurring financial charges65 | €91 | €545 | €2k | €798 | €541 | ▼ 32.2% |
| Profit (loss) for the period before taxes9903 | €114k | €112k | €101k | €93k | €89k | ▼ 4.8% |
| Income taxes67/77 | €32k | €28k | €25k | €26k | €20k | ▼ 22.7% |
| Profit (loss) for the period9904 | €82k | €84k | €76k | €67k | €68k | ▲ 2.3% |
| Profit (loss) for the period to be appropriated9905 | €82k | €84k | €76k | €67k | €68k | ▲ 2.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €111k | €187k | €261k | €320k | €315k | ▼ 1.7% |
| Fixed assets21/28 | €51k | €44k | €38k | €25k | €22k | ▼ 11.5% |
| Tangible fixed assets22/27 | €51k | €44k | €38k | €25k | €22k | ▼ 11.5% |
| Furniture and vehicles24 | €51k | €44k | €38k | €25k | €22k | ▼ 11.5% |
| Current assets29/58 | €60k | €143k | €223k | €296k | €293k | ▼ 0.9% |
| Amounts receivable within one year40/41 | €17k | €22k | €25k | €26k | €41k | ▲ 54.7% |
| Trade receivables40 | €17k | €22k | €25k | €26k | €37k | ▲ 38.1% |
| Other amounts receivable41 | - | - | €22 | €45 | €4k | ▲ 9,767% |
| Current investments50/53 | - | - | €117k | €188k | €88k | ▼ 53.1% |
| Cash at bank and in hand54/58 | €43k | €119k | €78k | €79k | €163k | ▲ 107% |
| Deferred charges and accrued income490/1 | €294 | €2k | €2k | €2k | €533 | ▼ 73.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €111k | €187k | €261k | €320k | €315k | ▼ 1.7% |
| Equity10/15 | €87k | €171k | €247k | €264k | €273k | ▲ 3.6% |
| Contributions10/11 | €5k | €5k | €5k | €5k | €5k | = |
| Reserves13 | €82k | €132k | €169k | €235k | €267k | ▲ 13.8% |
| Distributable reserves133 | €82k | €132k | €169k | €235k | €267k | ▲ 13.8% |
| Profit (loss) carried forward14 | - | €34k | €74k | €24k | €905 | ▼ 96.2% |
| Amounts payable17/49 | €24k | €16k | €14k | €56k | €41k | ▼ 26.6% |
| Amounts payable within one year42/48 | €24k | €16k | €14k | €56k | €41k | ▼ 26.6% |
| Financial debts43 | €3 | €13 | €564 | €14 | €104 | ▲ 617% |
| Credit institutions430/8 | €3 | €13 | €564 | €14 | €104 | ▲ 617% |
| Trade debts44 | €119 | €786 | €133 | €1k | €813 | ▼ 39.3% |
| Suppliers440/4 | €119 | €786 | €133 | €1k | €813 | ▼ 39.3% |
| Taxes, remuneration and social security45 | €24k | €15k | €13k | €5k | €5k | ▼ 3.7% |
| Taxes450/3 | €24k | €15k | €13k | €5k | €5k | ▼ 3.7% |
| Other amounts payable47/48 | - | - | - | €50k | €36k | ▼ 28.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €82k | €84k | €76k | €67k | €68k | ▲ 2.3% |
| + Depreciation and write-downs630 | €4k | €12k | €14k | €16k | €15k | ▼ 6.4% |
| Operating cash flow (approximation) | €87k | €97k | €90k | €83k | €83k | ▲ 0.6% |
| Investment in fixed assets (approximation) | - | €-6k | €-8k | €-3k | €-12k | ▼ 368% |
| Change in cash | - | €76k | €-41k | €688 | €84k | ▲ 12,147% |
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
Next filing, fiscal year 2026, expected by
2026
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €67k ▼12.5%
Net result drops to €67k, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €247k ▲44.4%
3 profitable years in a row build equity to €247k.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €84k ▲2.1%
Operating result €113k, net result €84k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 8.95
Current ratio from 2.54 to 8.95; short-term debt falls from €24k to €16k.
31-12
Financial
Equity above €150kEq €171k ▲96.2%
2 profitable years in a row build equity to €171k.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Sint-Genesius-Rode · 1 establishment unit since 2020
Ground area
3,113 m²
Building footprint
237 m²
Volume, LiDAR
1,351 m³
Parcel 22004D0023/00F022, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PACTI
since 20202.303.922.917
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22004D0023/00F022 | Flanders | 3,113 m² | 1 · 237 m² | 10.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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
9845003D96F5801D7D81
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Of 3,152 companies in sector 63920 we hold annual accounts for 1,525. 1,121 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-06-2020
Fiscal year end31-12
Activities, NACEBEL 2025
63920Other information service activities
64210Activities of holding companies
73300Public relations and communication consultancy
82100Office administrative and support services
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.