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PALILOR

Active
Private limited companyfounded 200124 yrs activeRue des Pignons,Dampicourt 37, 6767 Rouvroy, BelgiumKBO/BCE: BE 0475.963.459
Summary

PALILOR has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €132,872 and a net result of -€26,845. Equity remains stable across the filed fiscal years (±0.8% per year). The computed 12-month bankruptcy probability is 1.0% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability0▼-8
Solvency100=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 18.29 against 42.78 in 2024; short-term debt: 4.9% and cash: 72% of total assets), and 8.3% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 24 years 0 30 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€26,845
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-09-2026, 56 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
56 d late
2024
61 d late
2023
58 d late
2022
74 d late
2021
11 d early
2020
23 d late
2019
21 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 40 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 28 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 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

History

On 31 October 2001, PALILOR was incorporated.1 Total assets went from EUR 195,052 in 2018 to EUR 144,855 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€132,872▼ 47.2%
2024 · €251,417
Total assets
€144,855▼ 44.7%
2024 · €262,018
Net result
-€26,845▼ 14.4%
2024 · -€23,459
Working capital
€123,538▼ 44.8%
2024 · €223,765
Trend over the years
In euros
In euros
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.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€74,399▼ 63.9%-€3,483€6,339-€24,513-€27,106▼ 10.6%
Net result€46,459▼ 67.7%-€5,832€1,899-€23,459-€26,845▼ 14.4%
Equity€443,531▲ 11.3%€427,699▼ 3.6%€401,138▼ 6.2%€251,417▼ 37.3%€132,872▼ 47.2%
Total assets€478,146▲ 13.8%€443,203▼ 7.3%€407,460▼ 8.1%€262,018▼ 35.7%€144,855▼ 44.7%
Debt€30,380▲ 75.1%€11,269▼ 62.9%€2,088▼ 81.5%€10,601▲ 408%€11,983▲ 13.0%
Working capital€264,858▲ 27.8%€265,282▲ 0.2%€353,419▲ 33.2%€223,765▼ 36.7%€123,538▼ 44.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€50,000€0€50,000Operating result 2021: €74,399€74,399Net result 2021: €46,459€46,459Operating result 2022: -€3,483-€3,483Net result 2022: -€5,832-€5,832Operating result 2023: €6,339€6,339Net result 2023: €1,899€1,899Operating result 2024: -€24,513-€24,513Net result 2024: -€23,459-€23,459Operating result 2025: -€27,106-€27,106Net result 2025: -€26,845-€26,84520212022202320242025-€30,000-€20,000-€10,000€0€10,000Operating result 2023: €6,339€6,340Net result 2023: €1,899€1,900Operating result 2024: -€24,513-€24,500Net result 2024: -€23,459-€23,500Operating result 2025: -€27,106-€27,100Net result 2025: -€26,845-€26,800202320242025
The operating result stays negative: a loss of €27,106 in 2025 against €24,513 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €144,855
Fixed assets €14,175 ▼ 56.9%
Current assets €130,681 ▼ 43.0%
Equity and liabilities €144,855
Equity €132,872 ▼ 47.2%
Debt €11,983 ▲ 13.0%
Debt's share of the balance-sheet total rises from 4.0% to 8.3%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
-€7,834▼
2024 · -€5,170
Cash flow
-€7,574▼
2024 · -€4,116
Current ratio
18.29▼
2024 · 42.78
Debt to equity
0.09▲
2024 · 0.04
ROE
-20.2%▼
2024 · -9.3%
ROA
-18.5%▼
2024 · -9.0%
Interest coverage
-100.44▼
2024 · -10.36
Debt ≤ 1 year
€7,143▲
2024 · €5,356
Income taxes
€729▲
2024 · €558
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 5,834 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 84% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more
1.7% went bankrupt
13% stopped otherwise
84% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.0% 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%.

The companies in ten equal groups, from lowest to highest expected share.
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 5,834 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet Code20242025
Assets
Total assets20/58€262,018€144,855▼
Fixed assets21/28€32,897€14,175▼
Tangible fixed assets22/27€32,847€14,125▼
Furniture and vehicles24€30,662€12,485▼
Other tangible fixed assets26€2,185€1,639▼
Financial fixed assets28€50€50=
Current assets29/58€229,120€130,681▼
Amounts receivable within one year40/41€36,172€24,832▼
Trade receivables40€1,700€1,700=
Other amounts receivable41€34,472€23,132▼
Cash at bank and in hand54/58€191,535€104,318▼
Deferred charges and accrued income490/1€1,414€1,532▲
Equity and liabilities
Total equity and liabilities10/49€262,018€144,855▼
Equity10/15€251,417€132,872▼
Reserves13€278,809€187,110▼
Distributable reserves133€278,809€187,110▼
Profit (loss) carried forward14-€27,392-€54,238▼
Amounts payable17/49€10,601€11,983▲
Amounts payable within one year42/48€5,356€7,143▲
Financial debts43-€2,092
Credit institutions430/8-€2,092
Trade debts44€5,356€4,322▼
Suppliers440/4€5,356€4,322▼
Taxes, remuneration and social security45-€729
Taxes450/3-€729
Accrued charges and deferred income492/3€5,245€4,840▼
Income statement Code20242025
Non-recurring operating income76A€21-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19,343€19,272▼
Provisions for liabilities and charges: additions (uses and reversals)635/8-€4,235-
Other operating charges640/8€2,352€933▼
Non-recurring operating charges66A€0-
Gross operating margin9900-€7,052-€6,901▲
Operating profit (loss)9901-€24,513-€27,106▼
Financial income75/76B€2,111€1,067▼
Recurring financial income75€2,111€1,067▼
Financial charges65/66B€499€78▼
Recurring financial charges65€499€78▼
Profit (loss) for the period before taxes9903-€22,901-€26,117▼
Income taxes67/77€558€729▲
Profit (loss) for the period9904-€23,459-€26,845▼
Profit (loss) for the period to be appropriated9905-€23,459-€26,845▼
Appropriation of the result
Profit (loss) to be appropriated9906-€27,392-€54,238▼
Profit (loss) brought forward from the previous period14P-€3,933-€27,392▼
Transfer from equity791/2€126,262€91,699▼
Profit to be distributed694/7€126,262€91,699▼
Return on contributions (dividend)694€126,262€91,699▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Non-recurring operating income76A---€21--
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15,984€16,259€8,264€19,343€19,272▼ 0.4%
Provisions for liabilities and charges: additions (uses and reversals)635/8----€4,235--
Other operating charges640/8€790€810€1,912€2,352€933▼ 60.4%
Non-recurring operating charges66A--€20,008€0--
Gross operating margin9900€91,173€13,585€36,524-€7,052-€6,901▲ 2.1%
Operating profit (loss)9901€74,399-€3,483€6,339-€24,513-€27,106▼ 10.6%
Financial income75/76B€7--€2,111€1,067▼ 49.5%
Recurring financial income75€7--€2,111€1,067▼ 49.5%
Financial charges65/66B€935€850€830€499€78▼ 84.4%
Recurring financial charges65€935€850€830€499€78▼ 84.4%
Profit (loss) for the period before taxes9903€73,471-€4,333€5,509-€22,901-€26,117▼ 14.0%
Income taxes67/77€27,012€1,499€3,611€558€729▲ 30.6%
Profit (loss) for the period9904€46,459-€5,832€1,899-€23,459-€26,845▼ 14.4%
Profit (loss) for the period to be appropriated9905€46,459-€5,832€1,899-€23,459-€26,845▼ 14.4%
Line20212022202320242025Change
Assets
Total assets20/58€478,146€443,203€407,460€262,018€144,855▼ 44.7%
Fixed assets21/28€183,077€166,818€52,241€32,897€14,175▼ 56.9%
Tangible fixed assets22/27€183,027€166,768€52,191€32,847€14,125▼ 57.0%
Land and buildings22€128,057€128,057----
Furniture and vehicles24€51,145€35,433€49,459€30,662€12,485▼ 59.3%
Other tangible fixed assets26€3,824€3,278€2,732€2,185€1,639▼ 25.0%
Financial fixed assets28€50€50€50€50€50=
Current assets29/58€295,070€276,385€355,220€229,120€130,681▼ 43.0%
Amounts receivable within one year40/41€4,628€13,520€152,845€36,172€24,832▼ 31.4%
Trade receivables40€3,842€3,436€3,556€1,700€1,700=
Other amounts receivable41€787€10,084€149,289€34,472€23,132▼ 32.9%
Cash at bank and in hand54/58€290,129€259,829€199,519€191,535€104,318▼ 45.5%
Deferred charges and accrued income490/1€312€3,036€2,855€1,414€1,532▲ 8.3%
Equity and liabilities
Total equity and liabilities10/49€478,146€443,203€407,460€262,018€144,855▼ 44.7%
Equity10/15€443,531€427,699€401,138€251,417€132,872▼ 47.2%
Contributions10/11€18,600€18,600----
Reserves13€424,931€414,931€405,071€278,809€187,110▼ 32.9%
Non-distributable reserves130/1€1,860€1,860----
Reserves not available under the articles1311€1,860€1,860----
Distributable reserves133€423,071€413,071€405,071€278,809€187,110▼ 32.9%
Profit (loss) carried forward14--€5,832-€3,933-€27,392-€54,238▼ 98.0%
Provisions and deferred taxes16€4,235€4,235€4,235---
Provisions for liabilities and charges160/5€4,235€4,235€4,235---
Other liabilities and charges164/5€4,235€4,235€4,235---
Amounts payable17/49€30,380€11,269€2,088€10,601€11,983▲ 13.0%
Amounts payable within one year42/48€30,212€11,103€1,801€5,356€7,143▲ 33.4%
Financial debts43----€2,092-
Credit institutions430/8----€2,092-
Trade debts44€439€1,103€190€5,356€4,322▼ 19.3%
Suppliers440/4€439€1,103€190€5,356€4,322▼ 19.3%
Taxes, remuneration and social security45€27,492€500€1,611-€729-
Taxes450/3€27,492€500€1,611-€729-
Other amounts payable47/48€2,281€9,500----
Accrued charges and deferred income492/3€168€166€287€5,245€4,840▼ 7.7%
Line20212022202320242025Change
Profit (loss) for the period9904€46,459-€5,832€1,899-€23,459-€26,845▼ 14.4%
+ Depreciation and write-downs630€15,984€16,259€8,264€19,343€19,272▼ 0.4%
Operating cash flow (approximation)€62,443€10,427€10,163-€4,116-€7,574▼ 84.0%
Investment in fixed assets (approximation)-€0€106,313€0-€549-
Change in cash--€30,300-€60,310-€7,984-€87,217▼ 992%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
25-09
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 56 days late
2025
31-12
Financial Weakest financial yearnet -€26,845
Net result drops to -€26,845, the lowest in the series.
30-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
27-09
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial Back to profitnet €1,899
Net result €1,899 after one loss-making year.
31-12
Financial Liquidity times 8current ratio 197.24
Current ratio from 24.89 to 197.24; short-term debt falls from €11,103 to €1,801.
13-10
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 74 days late
2022
31-12
Financial Liquidity triplescurrent ratio 24.89
Current ratio from 9.77 to 24.89; short-term debt falls from €30,212 to €11,103.
20-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
23-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial Highest result since 2018net €143,851 ▲54.2%
Operating result €205,901, net result €143,851, both a record.
21-08
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
Show earlier events
2019
31-12
Financial Liquidity times 5current ratio 12.44
Current ratio from 2.38 to 12.44; short-term debt falls from €25,476 to €10,757.
31-12
Financial Equity above €200,000Eq €256,421 ▲55.7%
2 profitable years in a row build equity to €256,421.
27-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
29-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
30-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts

We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
6 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, Rouvroy · 1 establishment unit since 2001
seat establishment The establishment unit on the map
Ground area
1,162 m²
Building footprint
113 m²
Volume, LiDAR
1,047 m³
Parcel 85008A0753/00D000, Wallonia · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Pignons,Dampicourt 37, 6767 Rouvroy
NACE 85120
since 20012.195.347.352
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
85008A0753/00D000 Wallonia 1,162 m² 1 · 113 m² 9.5 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.

Identification & contact

Identification
Legal formPrivate limited company
Founded31-10-2001
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.