PACY
ActivePACY has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €151k and a net result of €49k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 33% of 17964 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency14▲+7
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity short (current ratio 0.69 against 0.5 in 2024), and 85.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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
14.6%
Return on assets
4.7%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €151k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
25 d late
2023
30 d late
2022
70 d late
2021
27 d early
2020
61 d late
2019
53 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€151k▲ 46.2%
2024 · €103k
2018: €9k
2019: €8k
2020: €-24k
2021: €27k
2022: €51k
2023: €75k
2024: €103k
2018 → 2025
Total assets
€1.03M▲ 4.4%
2024 · €990k
2018: €48k
2019: €44k
2020: €119k
2021: €173k
2022: €213k
2023: €1.07M
2024: €990k
2018 → 2025
Net result
€49k▲ 72.6%
2024 · €28k
2018: €14k
2019: €-681
2020: €-32k
2021: €57k
2022: €24k
2023: €-51k
2024: €28k
2018 → 2025
Working capital
€-61k▲ 31.7%
2024 · €-90k
2018: €11k
2019: €9k
2020: €-21k
2021: €12k
2022: €29k
2023: €-108k
2024: €-90k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€51k▲ 88.6%€75k▲ 46.0%€103k▲ 37.5%€151k▲ 46.2%
Operating result€63k-€41k▼ 35.6%€-29k€62k€107k▲ 72.0%
Net result€57k-€24k▼ 57.9%€-51k€28k€49k▲ 72.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 72% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.03M
Fixed assets
€897k▼ 0.5%
Current assets
€136k▲ 53.8%
Equity and liabilities €1.03M
Equity
€151k▲ 46.2%
Debt
€882k▼ 0.5%
The debt ratio falls from 89.6% to 85.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€140k▲
2024 · €96k
Cash flow
€81k▲
2024 · €62k
Solvency
14.6%▲
2024 · 10.4%
Current ratio
0.69▲
2024 · 0.50
Quick ratio
0.22▲
2024 · 0.16
Debt / equity
5.84▼
2024 · 8.58
ROE
32.2%▲
2024 · 27.3%
ROA
4.7%▲
2024 · 2.8%
Interest coverage
3.88▲
2024 · 2.80
Debt
€882k▼
2024 · €886k
Debt ≤ 1 year
€197k▲
2024 · €178k
Debt > 1 year
€685k▼
2024 · €707k
Income taxes
€23k▲
2024 · €162
Staff costs
€92k▲
2024 · €91k
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€990k€1.03M▲
Fixed assets21/28€901k€897k▼
Tangible fixed assets22/27€900k€896k▼
Land and buildings22€873k€848k▼
Plant, machinery and equipment23€135€72▼
Furniture and vehicles24€7k€25k▲
Other tangible fixed assets26€21k-
Assets under construction and advance payments27-€24k
Financial fixed assets28€937€937=
Current assets29/58€88k€136k▲
Stocks and contracts in progress3€60k€92k▲
Stocks30/36€60k€92k▲
Amounts receivable within one year40/41€5k€7k▲
Trade receivables40€5k€3k▼
Other amounts receivable41€106€4k▲
Cash at bank and in hand54/58€17k€26k▲
Deferred charges and accrued income490/1€6k€11k▲
Equity and liabilities
Total equity and liabilities10/49€990k€1.03M▲
Equity10/15€103k€151k▲
Contributions10/11€87k€87k=
Reserves13€24k€64k▲
Distributable reserves133€24k€64k▲
Profit (loss) carried forward14€-8k-
Amounts payable17/49€886k€882k▼
Amounts payable after more than one year17€707k€685k▼
Financial debts170/4€707k€685k▼
Amounts payable within one year42/48€178k€197k▲
Current portion of amounts payable after more than one year42€43k€43k▼
Trade debts44€32k€31k▼
Suppliers440/4€32k€31k▼
Taxes, remuneration and social security45€39k€50k▲
Taxes450/3€23k€32k▲
Remuneration and social security454/9€15k€19k▲
Other amounts payable47/48€64k€73k▲
Accrued charges and deferred income492/3€1k€13▼
Income statement
Code20242025
Non-recurring operating income76A-€750
Remuneration, social security and pensions62€91k€92k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€32k▼
Other operating charges640/8€387€998▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€187k€234k▲
Operating profit (loss)9901€62k€107k▲
Financial income75/76B€173€161▼
Recurring financial income75€173€161▼
Financial charges65/66B€34k€36k▲
Recurring financial charges65€34k€36k▲
Profit (loss) for the period before taxes9903€28k€71k▲
Income taxes67/77€162€23k▲
Profit (loss) for the period9904€28k€49k▲
Profit (loss) for the period to be appropriated9905€28k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€40k▲
Profit (loss) brought forward from the previous period14P€-36k€-8k▲
Transfer to equity691/2-€39k
To other reserves6921-€39k
Profit to be distributed694/7-€833
Return on contributions (dividend)694-€833
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €150kEq €151k ▲46.2%
2 profitable years in a row build equity to €151k.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
31-12
Financial
Equity above €100kEq €103k ▲37.5%
Equity rises from €75k to €103k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-51k ▼312%
Net result drops to €-51k, the lowest in the series; recovery starts the following year.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €57k
Net result €57k after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Mont-Saint-Guibert · 1 establishment unit since 2015
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.
Grand'Route 151435 Mont-Saint-GuibertGround area
1,965 m²
Building footprint
354 m²
Parcel 25020A0079/00H002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Deco Attitude
since 20152.244.424.996
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25020A0079/00H002 | Wallonia | 1,965 m² | 1 · 354 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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ZOEM!
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VITRA PORTA
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CYATY
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Of 1,042 companies in sector 47559 we hold annual accounts for 345. 266 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-07-2015
Fiscal year end31-12
Activities, NACEBEL
47559Retail sale of other household articles
47599Retail trade
47551Retail sale of household furniture
47591Retail trade
96022Beauty treatment
96040Personal service activities
96220Beauty care and other beauty treatments
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.