PAINT CONSULTANTS · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of PAINT CONSULTANTS is 0.6% (low). The 2025 annual accounts show equity of €473k and a net result of €10k. Equity is growing by ~19.9% per year across the filed fiscal years. Its solvency ranks better than 72% of 334 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-02-2026, 63 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2025, that is 30-04-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-09-2025	30-04-2026	26-02-2026	63 d early	2026-00044278
30-09-2024	30-04-2025	30-04-2025	on the day	2025-00084964
30-09-2023	30-04-2024	15-12-2023	137 d early	2023-00528780
30-09-2022	30-04-2023	20-02-2023	69 d early	2023-00029116
30-09-2021	30-04-2022	12-04-2022	18 d early	2022-20002856
30-09-2020	30-04-2021	24-02-2021	65 d early	2021-06000051
30-09-2019	30-04-2020	23-03-2020	38 d early	2020-07200427
30-09-2018	30-04-2019	13-03-2019	48 d early	2019-06900080
30-09-2017	30-04-2018	07-03-2018	54 d early	2018-06200539
30-09-2016	30-04-2017	22-03-2017	39 d early	2017-06700013

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Long-established

Founded in 2003, 23 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.6% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Long track record −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€10k-84.2%

Working capital€103k-34.3%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 26-02-2026 with the NBB · fiscal year 2025 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~19.9%/year over 8 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 43, Specialised construction · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	57.2%	38.9%	better than 72% of 334 sector peers
Net result	€10k	€40k	better than 30% of 334 sector peers
Equity	€473k	€189k	better than 73% of 334 sector peers
Gross operating margin	€86k	€223k	better than 33% of 334 sector peers
Total assets	€828k	€621k	better than 59% of 334 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P72

Improving position over 2020-2025 · n=334-992

Net result P30

Stable position over 2020-2025 · n=334-991

Equity P73

Improving position over 2020-2025 · n=334-992

Gross operating margin P33

Stable position over 2020-2025 · n=334-991

Describes the position versus peers, not a forecast.

EBITDA

€77k

+13.3% 18-25

Net profit

€10k

-84.2% 18-25

Cash flow

€70k

-51.5% 18-25

Total assets

€828k

-11.5% 18-25

Equity

€473k

-2.4% 18-25

Working capital

€103k

-34.3% 18-25

Income taxes

€10k

-24.3% 18-25

Dividends

€22k

-26.6% 18-25

Debt

€354k

-21.4% 18-25

Debt ≤ 1y

€102k

-19.7% 18-25

Debt > 1y

€252k

-22.0% 18-25

Current ratio

2.00

-10.0% 18-25

Quick ratio

2.00

-10.0% 18-25

Solvency

57.2%

+10.3% 18-25

Debt / equity

0.75

-19.4% 18-25

ROE

2.2%

-83.8% 18-25

ROA

1.3%

-82.1% 18-25

Interest coverage

8.66

+41.4% 18-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	verkort
Revenue	-
EBITDA	€77k
Net profit	€10k
Cash flow	€70k
Staff costs	-
Income taxes	€10k
Dividends	€22k
Total assets	€828k
Equity	€473k
Debt	€354k
of which ≤ 1y	€102k
of which > 1y	€252k
Working capital	€103k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	2.00
Quick ratio	2.00
Working capital ratio	12.4%
Solvency	57.2%
Debt / equity	0.75
Long-term debt ratio	0.53
Interest coverage	8.66
Gross margin	-
Net margin	-
ROA	1.3%
ROE	2.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €623k · 75.2% Current assets €205k · 24.8%

Equity & liabilities

Equity €473k · 57.2% Debt €354k · 42.8%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€828k
Fixed assets	21/28	€623k
Tangible fixed assets	22/27	€531k
Financial fixed assets	28	€91k
Current assets	29/58	€205k
Amounts receivable within one year	40/41	€168k
Cash & bank	54/58	€36k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€828k
Equity	10/15	€473k
Contributions / capital	10/11	€6k
Reserves	13	€467k
Accumulated profits (losses)	14	€0
Amounts payable	17/49	€354k
Amounts payable after one year	17	€252k
Amounts payable within one year	42/48	€102k
Trade debts payable within one year	44	€2k
Income statement
Gross operating margin	9900	€86k
Operating result	9901	€17k
Financial income	75	€12k
Financial charges	65	€9k
Result before taxes	9903	€20k
Income taxes	67/77	€10k
Net result for the period	9904	€10k
Result to be appropriated	9905	€10k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

83 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

1 director

Former directors (1)

DOUBEL Caroline
Director
State Gazette act 23304438 (13-01-2023)

Former
- → 13-01-2023

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Schilderen van gebouwen(43341)
Legal form	Private limited company(610)
Incorporation	22-01-2003
Status	Active
Postal code	8800

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Oostnieuwkerksesteenweg 498800 Roeselare

Establishment units

1 location

PAINT CONSULTANTS

Lodewijk de Raetlaan 24 A, 8870 Izegemhet verlenen van adviezen en hulp aan het bedrijfsleven en de overheid op het gebied van planning, organisatie, efficiëntie en toezicht, het verschaffen van informatie aan de bedrijfsleiding, enz.

since 20032.123.216.865

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels2

Ground area9,969 m²

Buildings2

Building footprint672 m²

Volume (LiDAR)5,226 m³

Tallest building36.1 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
36494D0108/00M000	Flanders	8,765 m²	1 · 448 m²	36.0 m · 3 fl.
36504D0680/00C002	Flanders	1,204 m²	1 · 224 m²	11.5 m · 2 fl.

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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

All acts · 1 updated 3 years ago

2023

13-01-2023 DOUBEL Caroline resigns as director Director changes·Pieterjan Noreilliecorrection

DOUBEL Caroline, Bestuurder

Notary: Pieterjan Noreillie · Lendelede

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

69 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 83

Profitability 11

Solvency 98

Growth 52

Stability 100

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