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Palette Express

Active
Private limited companyfounded 200916 yrs activeBrusselsesteenweg 248, 1980 Zemst, BelgiumKBO/BCE: BE 0820.095.804
Summary

Palette Express has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €92,326 and a net result of -€8,631. Equity is shrinking by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 72% of 5349 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch ReportCompare
Palette ExpressActiveChecked score 82/100
Risk analysis ReportCompare

Overview

Activity
Freight transport by road
NACE 49410
1 site
Size
€151,458total assets 2025
Equity
€92,326
Loss
-€8,631
Turnover not published (abridged schema)
Financial health
82 Excellent Checked score 2025
Bankruptcy chance 12 m
0.4%
Structure
Accounts filed 25 d late0 of 1 deed read
Why 82- Sector Land transport and transport via pipelines (NACE 49)- Loss of €8,631 (FY 2025)+ Founded in 2009+ Liquidity: current ratio 1.37, cash €25,641Show the evidence

Checked score

Score 2025
82 / 100
Excellent
Probability in this band: under 0.55%
Better than 44% of its sector peers (NACE 49, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 86-14
equity 61.0% of total assets
Liquidity 53-34
short-term debt 39.0% · cash 16.9%
Profitability 17-33
return on assets -5.7%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.9% (8,991 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%▼ -2.3% vs 11-2024 01-2025: 0.1%▼ -1.2% vs 12-2024 02-2025: 0.1%▼ -2.4% vs 01-2025lowest value 03-2025: 0.1%● 0.0% vs 02-2025lowest value 04-2025: 0.1%▲ +16.9% vs 03-2025 05-2025: 0.1%▲ +5.2% vs 04-2025 06-2025: 0.1%▼ -2.9% vs 05-2025 07-2025: 0.1%▲ +24.2% vs 06-2025 08-2025: 0.2%▲ +63.4% vs 07-2025 09-2025: 0.1%▼ -44.8% 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%▼ -0.9% vs 12-2025 02-2026: 0.1%▲ +6.4% vs 01-2026 03-2026: 0.1%● 0.0% vs 02-2026 04-2026: 0.1%▲ +14.5% vs 03-2026 05-2026: 0.1%▲ +6.0% vs 04-2026 06-2026: 0.1%● 0.0% vs 05-2026 07-2026: 0.2%▲ +16.9% vs 06-2026 08-2026: 0.3%▲ +66.9% vs 07-2026 09-2026: 0.4%▲ +50.5% vs 08-2026highest value 10-2026: 0.4%● 0.0% vs 09-2026highest value
  • Sector Land transport and transport via pipelines (NACE 49) raises the probability
  • Founded in 2009 lowers the probability for this profile
  • Loss of €8,631 (FY 2025) raises the probability
  • Liquidity: current ratio 1.37, cash €25,641 lowers the probability
Credit up to €7,000 at 30 days acceptable
Liquidity tight (current ratio 1.37 against 5.1 in 2024; short-term debt: 39% and cash: 16.9% of total assets), and 39% 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 49, micro). Better than this share of them on solvency 72%, liquidity 58%, profitability 17%, growth against the median 27%. 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+raises risk○neutral
raises risk · Sector Land transport and transport via pipelines (NACE 49)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Founded in 2009
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Loss of €8,631 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.37, cash €25,641
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
25 d late
2024
on the day
2023
8 d early
2022
on the day
2021
3 d early
2020
29 d late
2019
66 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 16 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 49% 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 31 July (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 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Equity above €100,000Eq €100,957 ▲4.3%

Key points

  • Caution: Among the weakest 16% on net resultsector median €5,747 · 5,323 companies -€8,631 View
  • Total assets 20256 fiscal years filed €151,458 View
  • Active since 2009founded 27-10-2009 16 years View

By topic

Financials

Fiscal year
2025
Total assets
€151,458
Loss
-€8,631
Solvency
61.0%
Total assets▲ 25.3%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 25-08-2026Annual accounts filed
  2. 31-07-2025Annual accounts filed
  3. 31-12-2024Equity above €100,000
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Freight transport by roadNACE 49410
Founded
27-10-2009
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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