Pajoplants
ActiveSummary
The computed 12-month bankruptcy probability of Pajoplants is 1.6% (moderate). The 2025 annual accounts show equity of €147,523 and a net result of €84,231. Equity is growing by ~73.8% per year across the filed fiscal years. Its solvency ranks better than 32% of 18716 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability78▲+5
Solvency38▲+6
Growth78=
Track record94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity short (current ratio 0.81 against 1.19 in 2024; short-term debt: 37.9% and cash: 8.6% of total assets), and 86.8% of the assets are financed with debt.
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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
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
Retail trade (NACE 47)
about 45% more 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
13.2%
Return on assets
7.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 4 filingsDeviation from the deadline
2025
24 d late
2024
49 d early
2023
26 d early
2022
21 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 8 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
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. Usually files around 29 July (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Equity
€147,523▲ 133%
2024 · €63,292
Total assets
€1.1m▲ 28.1%
2024 · €875,972
Net result
€84,231▲ 207%
2024 · €27,410
Working capital
-€80,432
2024 · €39,626
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€34,067-€19,741▼ 42.1%€47,394▲ 140%€128,032▲ 170%
Net result€10,778within the sector's middle half-€6,503within the sector's middle half▼ 39.7%€27,410above the sector's middle half▲ 321%€84,231above the sector's middle half▲ 207%
Equity€29,378within the sector's middle half-€35,882within the sector's middle half▲ 22.1%€63,292within the sector's middle half▲ 76.4%€147,523above the sector's middle half▲ 133%
Total assets€964,563above the sector's middle half-€941,453above the sector's middle half▼ 2.4%€875,972above the sector's middle half▼ 7.0%€1.1mabove the sector's middle half▲ 28.1%
Debt€935,184-€905,571▼ 3.2%€812,679▼ 10.3%€974,206▲ 19.9%
Working capital€55,852within the sector's middle half-€42,412within the sector's middle half▼ 24.1%€39,626within the sector's middle half▼ 6.6%-€80,432below the sector's middle half
Solvency3.0%below the sector's middle half-3.8%below the sector's middle half▲ 0.8pp7.2%within the sector's middle half▲ 3.4pp13.2%within the sector's middle half▲ 5.9pp
Current ratio1.26within the sector's middle half-1.18within the sector's middle half▼ 0.091.19within the sector's middle half▲ 0.020.81below the sector's middle half▼ 0.38
Return on assets (ROA)1.1%within the sector's middle half-0.7%within the sector's middle half▼ 0.4pp3.1%within the sector's middle half▲ 2.4pp7.5%within the sector's middle half▲ 4.4pp
Staff (FTE)2.5-1.3▼ 48.0%1.9▲ 46.2%2.2▲ 15.8%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
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 170% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.1m
Fixed assets
€776,735 ▲ 23.0%
Current assets
€344,994 ▲ 41.2%
Equity and liabilities €1.1m
Equity
€147,523 ▲ 133%
Debt
€974,206 ▲ 19.9%
Debt's share of the balance-sheet total falls from 92.8% to 86.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€178,210▲
2024 · €91,276
Cash flow
€134,409▲
2024 · €71,292
Quick ratio
0.44▼
2024 · 0.49
Debt to equity
6.60▼
2024 · 12.84
ROE
57.1%▲
2024 · 43.3%
Interest coverage
9.31▲
2024 · 6.90
Debt ≤ 1 year
€425,425▲
2024 · €204,648
Debt > 1 year
€548,780▼
2024 · €608,031
Income taxes
€24,808▲
2024 · €6,935
Staff costs
€68,095▲
2024 · €61,667
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,713 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.8%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,713 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €413 | - |
| Remuneration, social security and pensions62 | €92,357 | €54,520 | €61,667 | €68,095 | ▲ 10.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €54,471 | €43,900 | €43,882 | €50,178 | ▲ 14.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €13,697 | - | - | - |
| Other operating charges640/8 | €54,097 | €2,103 | €3,318 | €2,884 | ▼ 13.1% |
| Gross operating margin9900 | €234,993 | €133,960 | €156,261 | €249,189 | ▲ 59.5% |
| Operating profit (loss)9901 | €34,067 | €19,741 | €47,394 | €128,032 | ▲ 170% |
| Financial income75/76B | €815 | €397 | €186 | €153 | ▼ 17.6% |
| Recurring financial income75 | €815 | €397 | €186 | €153 | ▼ 17.6% |
| Financial charges65/66B | €24,104 | €13,635 | €13,234 | €19,146 | ▲ 44.7% |
| Recurring financial charges65 | €24,104 | €13,635 | €13,234 | €19,146 | ▲ 44.7% |
| Profit (loss) for the period before taxes9903 | €10,778 | €6,503 | €34,345 | €109,039 | ▲ 217% |
| Income taxes67/77 | - | - | €6,935 | €24,808 | ▲ 258% |
| Profit (loss) for the period9904 | €10,778 | €6,503 | €27,410 | €84,231 | ▲ 207% |
| Profit (loss) for the period to be appropriated9905 | €10,778 | €6,503 | €27,410 | €84,231 | ▲ 207% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €964,563 | €941,453 | €875,972 | €1.1m | ▲ 28.1% |
| Fixed assets21/28 | €697,538 | €659,908 | €631,697 | €776,735 | ▲ 23.0% |
| Intangible fixed assets21 | €102,132 | €90,329 | €78,526 | €68,317 | ▼ 13.0% |
| Tangible fixed assets22/27 | €595,155 | €569,329 | €552,921 | €708,168 | ▲ 28.1% |
| Land and buildings22 | €540,148 | €517,401 | €499,429 | €648,110 | ▲ 29.8% |
| Plant, machinery and equipment23 | €32,860 | €26,785 | €31,669 | €37,606 | ▲ 18.7% |
| Furniture and vehicles24 | €22,148 | €25,143 | €21,823 | €22,452 | ▲ 2.9% |
| Financial fixed assets28 | €250 | €250 | €250 | €250 | = |
| Current assets29/58 | €267,025 | €281,545 | €244,274 | €344,994 | ▲ 41.2% |
| Stocks and contracts in progress3 | €168,171 | €164,729 | €144,270 | €156,287 | ▲ 8.3% |
| Stocks30/36 | €168,171 | €164,729 | €144,270 | €156,287 | ▲ 8.3% |
| Amounts receivable within one year40/41 | €42,853 | €48,719 | €14,052 | €52,928 | ▲ 277% |
| Trade receivables40 | €42,110 | €46,213 | €13,345 | €52,928 | ▲ 297% |
| Other amounts receivable41 | €743 | €2,506 | €707 | €0 | ▼ 100% |
| Current investments50/53 | - | - | - | €35,166 | - |
| Cash at bank and in hand54/58 | €51,533 | €66,652 | €83,975 | €96,484 | ▲ 14.9% |
| Deferred charges and accrued income490/1 | €4,468 | €1,445 | €1,977 | €4,128 | ▲ 109% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €964,563 | €941,453 | €875,972 | €1.1m | ▲ 28.1% |
| Equity10/15 | €29,378 | €35,882 | €63,292 | €147,523 | ▲ 133% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | €10,778 | €17,282 | €44,692 | €128,923 | ▲ 188% |
| Amounts payable17/49 | €935,184 | €905,571 | €812,679 | €974,206 | ▲ 19.9% |
| Amounts payable after more than one year17 | €724,011 | €666,438 | €608,031 | €548,780 | ▼ 9.7% |
| Financial debts170/4 | €724,011 | €666,438 | €608,031 | €548,780 | ▼ 9.7% |
| Amounts payable within one year42/48 | €211,173 | €239,133 | €204,648 | €425,425 | ▲ 108% |
| Current portion of amounts payable after more than one year42 | €56,753 | €57,574 | €57,254 | €59,251 | ▲ 3.5% |
| Financial debts43 | €71,441 | €79,495 | €75,000 | €188,054 | ▲ 151% |
| Credit institutions430/8 | €71,441 | €79,495 | €75,000 | €188,054 | ▲ 151% |
| Trade debts44 | €59,835 | €84,306 | €45,356 | €108,147 | ▲ 138% |
| Suppliers440/4 | €59,835 | €84,306 | €45,356 | €108,147 | ▲ 138% |
| Advances received on contracts in progress46 | €1,896 | €1,896 | - | - | - |
| Taxes, remuneration and social security45 | €21,248 | €15,862 | €26,073 | €50,988 | ▲ 95.6% |
| Taxes450/3 | €7,454 | €5,455 | €11,587 | €39,317 | ▲ 239% |
| Remuneration and social security454/9 | €13,794 | €10,406 | €14,485 | €11,671 | ▼ 19.4% |
| Other amounts payable47/48 | - | - | €965 | €18,985 | ▲ 1,867% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,778 | €6,503 | €27,410 | €84,231 | ▲ 207% |
| + Depreciation and write-downs630 | €54,471 | €43,900 | €43,882 | €50,178 | ▲ 14.3% |
| Operating cash flow (approximation) | €65,249 | €50,403 | €71,292 | €134,409 | ▲ 88.5% |
| Investment in fixed assets (approximation) | - | -€6,270 | -€15,671 | -€195,216 | ▼ 1,146% |
| Change in cash | - | €15,119 | €17,324 | €12,509 | ▼ 27.8% |
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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Highest result since 2022net €84,231 ▲207%
Operating result €128,032, net result €84,231, both a record.
31-12
Financial
Equity above €100,000Eq €147,523 ▲133%
4 profitable years in a row build equity to €147,523.
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €6,503 ▼39.7%
Net result drops to €6,503, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
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-Pieters-Leeuw · 1 establishment unit since 2021
Ground area
816 m²
Building footprint
652 m²
Volume, LiDAR
4,319 m³
Parcel 23089B0003/00E000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PAJOPLANTS
since 20212.319.900.203
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23089B0003/00E000 | Flanders | 816 m² | 1 · 652 m² | 9.1 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,000 EUR | 1,000 EUR |
| 2024 | 1 | 1,000 EUR | 1,000 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Pieters-Leeuw2.319.900.203
Dual-learning approval
3 live approvalsMedewerker groen- en tuinbeheer (vwo)
Medewerker groen- en tuinbeheer duaal (so)
Plant en milieu duaal (so)
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CONELL
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BOTTIN ENGLEBERT
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Of 3,388 companies in sector 47761 we hold annual accounts for 1,156. 929 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
Founded01-07-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47761Retail sale of flowers, plants, seeds and fertilisers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0770599375
Also
9925:BE0770599375
Registered
09-04-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.