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PALATRADE

Active
Public limited companyfounded 198739 yrs activeTervantstraat 13, 3583 Beringen, BelgiumKBO/BCE: BE 0430.772.347
Summary

PALATRADE has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.2m and a net result of €133,897. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 89% of 9138 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
PALATRADEActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
Wholesale of electrical household appliances and audio-video equipment
NACE 46431NACE 51430
1 site
Size
€2.6mtotal assets 2025
Staff
5.8 FTE
Equity
€2.2m
Profit
€133,897
Turnover not published (abridged schema)
Financial health
97 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts filed 21 d late0 of 3 deeds read
Why 97+ Founded in 1987+ Liquidity: current ratio 13.16, cash €348,190+ Size: total assets €2.6m+ Equity €2.2m (87.3% of total assets)Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Better than 77% of its sector peers (NACE 46, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 87.3% of total assets
Liquidity 67+6
short-term debt 7.2% · cash 13.5%
Profitability 75+9
return on assets 5.2%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (4,366 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%● 0.0% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%▲ +2.8% vs 02-2025 04-2025: < 0.1%▲ +2.7% vs 03-2025 05-2025: < 0.1%▲ +2.6% vs 04-2025 06-2025: < 0.1%▲ +2.6% vs 05-2025 07-2025: < 0.1%▲ +22.5% vs 06-2025 08-2025: 0.1%▲ +95.9% vs 07-2025highest value 09-2025: < 0.1%▼ -64.6% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%● 0.0% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%▲ +2.9% vs 02-2026 04-2026: < 0.1%▲ +2.9% vs 03-2026 05-2026: < 0.1%▲ +2.8% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%▲ +8.1% vs 06-2026 08-2026: 0.1%▲ +105% vs 07-2026 09-2026: < 0.1%▼ -67.1% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value
  • Founded in 1987 lowers the probability for this profile
  • Liquidity: current ratio 13.16, cash €348,190 lowers the probability
  • Size: total assets €2.6m lowers the probability for this profile
  • Equity €2.2m (87.3% of total assets) lowers the probability
Credit up to €210,000 at 30 days acceptable
Liquidity ample (current ratio 13.16 against 15.84 in 2024; short-term debt: 7.2% and cash: 13.5% of total assets), and 12.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, small). Better than this share of them on solvency 92%, liquidity 85%, profitability 72%, growth against the median 59%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Founded in 1987
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Liquidity: current ratio 13.16, cash €348,190
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Size: total assets €2.6m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Equity €2.2m (87.3% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 filings
Deviation from the deadline
2025
21 d late
2024
11 d late
2023
13 d late
2022
20 d late
2021
28 d late
2020
58 d late
2019
94 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 35 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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 20 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Positive: Among the best 10% on equitysector median €373,349 · 9,134 companies €2.2m View
  • Active since 1987founded 24-03-1987 39 years View
  • Total assets 20256 fiscal years filed €2.6m View

By topic

Financials

Fiscal year
2025
Total assets
€2.6m
Profit
€133,897
Solvency
87.3%
Total assets▲ 8.0%
Net result
20182025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 21-08-2026Annual accounts filed
  2. 11-08-2025Annual accounts filed
  3. 13-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Wholesale of electrical household appliances and audio-video equipmentNACE 46431
Founded
24-03-1987
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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