PALELA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €154k and a net result of €22k. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 46% of 2423 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 01-07-2026, 30 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
30 d early
2024
6 d late
2023
12 d late
2022
16 d late
2021
16 d late
2020
30 d early
2019
34 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€154k▲ 17.0%
2024 · €132k
2019: €119k
2020: €95k
2021: €100k
2022: €96k
2023: €111k
2024: €132k
2019 → 2025
Net result
€22k▲ 8.2%
2024 · €21k
2019: €99k
2020: €-24k
2021: €5k
2022: €-3k
2023: €15k
2024: €21k
2019 → 2025
Total assets
€333k▼ 1.9%
2024 · €339k
2019: €403k
2020: €195k
2021: €364k
2022: €345k
2023: €338k
2024: €339k
2019 → 2025
Solvency
46.4%▲ 7.5pp
2024 · 38.9%
2019: 29.5%
2020: 48.7%
2021: 27.4%
2022: 28.0%
2023: 32.9%
2024: 38.9%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€100k-€96k▼ 3.4%€111k▲ 15.3%€132k▲ 18.7%€154k▲ 17.0%
Operating result€9k-€984▼ 88.9%€28k▲ 2,711%€44k▲ 60.9%€49k▲ 9.8%
Net result€5k-€-3k€15k€21k▲ 40.9%€22k▲ 8.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €333k
Fixed assets
€325k▼ 3.8%
Current assets
€7k▲ 764%
Equity and liabilities €333k
Equity
€154k▲ 17.0%
Debt
€178k▼ 13.9%
The debt ratio falls from 61.1% to 53.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
46.4%▲
2024 · 38.9%
ROE
14.6%▼
2024 · 15.7%
ROA
6.8%▲
2024 · 6.1%
Debt
€178k▼
2024 · €207k
Debt ≤ 1 year
€120k▼
2024 · €125k
Debt > 1 year
€51k▼
2024 · €73k
Income taxes
€10k▲
2024 · €9k
Staff costs
€7k▲
2024 · €6k
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€339k€333k▼
Fixed assets21/28€338k€325k▼
Tangible fixed assets22/27€26k€13k▼
Land and buildings22€12k€10k▼
Plant, machinery and equipment23€1k€785▼
Furniture and vehicles24€13k€3k▼
Financial fixed assets28€312k€312k=
Current assets29/58€865€7k▲
Amounts receivable within one year40/41-€798
Trade receivables40-€798
Cash at bank and in hand54/58€816€7k▲
Deferred charges and accrued income490/1€49€28▼
Equity and liabilities
Total equity and liabilities10/49€339k€333k▼
Equity10/15€132k€154k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€112k€134k▲
Amounts payable17/49€207k€178k▼
Amounts payable after more than one year17€73k€51k▼
Financial debts170/4€73k€51k▼
Amounts payable within one year42/48€125k€120k▼
Current portion of amounts payable after more than one year42€25k€23k▼
Financial debts43€4k€2k▼
Credit institutions430/8€4k€2k▼
Trade debts44€664-
Suppliers440/4€664-
Taxes, remuneration and social security45€477€2k▲
Taxes450/3€477€2k▲
Other amounts payable47/48€95k€94k▼
Accrued charges and deferred income492/3€9k€8k▼
Income statement
Code20242025
Remuneration, social security and pensions62€6k€7k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€6k▼
Other operating charges640/8€539€624▲
Gross operating margin9900€60k€63k▲
Operating profit (loss)9901€44k€49k▲
Financial charges65/66B€14k€16k▲
Recurring financial charges65€14k€11k▼
Non-recurring financial charges66B-€5k
Profit (loss) for the period before taxes9903€30k€33k▲
Income taxes67/77€9k€10k▲
Profit (loss) for the period9904€21k€22k▲
Profit (loss) for the period to be appropriated9905€21k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€112k€134k▲
Profit (loss) brought forward from the previous period14P€91k€112k▲
The notes to these accounts (9 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €154k ▲17%
3 profitable years in a row build equity to €154k.
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
31-12
Financial
Equity above €100kEq €111k ▲15.3%
Equity rises from €96k to €111k.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-24k ▼124%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Hasselt · 1 establishment unit since 2018
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.
Lindestraat 963512 HasseltGround area
948 m²
Building footprint
139 m²
Volume, LiDAR
24 m³
Parcel 71055A0674/00M000, Flanders · tallest building 6.4 m. Linked by address, not a title deed.
1 establishment unit
PALELA
since 20182.280.817.814
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71055A0674/00M000 | Flanders | 948 m² | 1 · 139 m² | 6.4 m |
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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Of 4,685 companies in sector 66220 we hold annual accounts for 3,230. 2,828 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-10-2018
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.