PALUA
ActiveSummary
PALUA has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95,733 and a net result of €5,323. Equity is growing by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 64% of 3833 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
What stands out
Overview
Accounts filed 27 d late0 of 5 deeds readTurnover not published (abridged schema)
Why 66- Higher-failure-rate sector- Higher-failure-rate region+ Long track record+ Lower-risk legal form+ Annual accounts: healthy financial profileFiled after the deadlineShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability42▼-22
Solvency68▼-1
Growth50▼-16
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 1.94 against 2.07 in 2024; short-term debt: 48.7% and cash: 46.8% of total assets), but 56.6% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
43.4%
Return on assets
2.4%
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 27-08-2026, 27 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 filingsDeviation from the deadline
2025
27 d late
2024
29 d late
2023
72 d late
2022
28 d late
2021
6 d early
2020
61 d late
2019
92 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 43 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% 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 28 August (4 of the last 5 filed years within 34 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Financials
Fiscal year 2025Total assets €220,569Profit €5,323Solvency 43.4%Liquidity 1.94
Turnover
€391,121▲ 6.3%
2018 - 2023
Net result
€5,323▼ 64.5%
2018 - 2025
Equity
€95,733▲ 5.9%
2018 - 2025
Staff (FTE)
3.3▼ 10.8%
2018 - 2025
Financials · fiscal year 2025, abbreviated schema
In the rankings
#7 oldest company in Mons, Accommodation and food service sector
Trend over the years
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 56, Food and beverage service activities, 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), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€176,696▲ 40.2%€367,812▲ 108%€391,121▲ 6.3%
Operating result€48,084€16,077▼ 66.6%€12,207▼ 24.1%€23,139▲ 89.6%€14,579▼ 37.0%
Net result€45,571above the sector's middle half€13,233within the sector's middle half▼ 71.0%€6,926within the sector's middle half▼ 47.7%€15,000within the sector's middle half▲ 117%€5,323within the sector's middle half▼ 64.5%
EBIT margin27.2%▲ 38.7pp4.4%▼ 22.8pp3.1%▼ 1.2pp
Equity€55,251within the sector's middle half▲ 471%€68,484within the sector's middle half▲ 24.0%€75,410within the sector's middle half▲ 10.1%€90,410above the sector's middle half▲ 19.9%€95,733within the sector's middle half▲ 5.9%
Total assets€106,388within the sector's middle half▲ 47.9%€131,823within the sector's middle half▲ 23.9%€158,307within the sector's middle half▲ 20.1%€207,752within the sector's middle half▲ 31.2%€220,569within the sector's middle half▲ 6.2%
Debt€51,137▼ 17.8%€63,339▲ 23.9%€82,897▲ 30.9%€117,342▲ 41.6%€124,836▲ 6.4%
Working capital€62,139above the sector's middle half▲ 190%€70,853above the sector's middle half▲ 14.0%€93,988above the sector's middle half▲ 32.7%€99,626above the sector's middle half▲ 6.0%€101,189within the sector's middle half▲ 1.6%
Solvency51.9%within the sector's middle half▲ 38.5pp52.0%within the sector's middle half=47.6%within the sector's middle half▼ 4.3pp43.5%within the sector's middle half▼ 4.1pp43.4%within the sector's middle half▼ 0.1pp
Current ratio2.64above the sector's middle half▲ 1.142.29above the sector's middle half▼ 0.362.77above the sector's middle half▲ 0.482.07within the sector's middle half▼ 0.701.94within the sector's middle half▼ 0.13
Return on assets (ROA)42.8%above the sector's middle half▲ 65.6pp10.0%within the sector's middle half▼ 32.8pp4.4%within the sector's middle half▼ 5.7pp7.2%within the sector's middle half▲ 2.8pp2.4%within the sector's middle half▼ 4.8pp
Staff (FTE)1.8▼ 40.0%3.1▲ 72.2%3.3▲ 6.5%3.7▲ 12.1%3.3below the sector's middle half▼ 10.8%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €220,569
Fixed assets
€12,067 ▼ 18.9%
Current assets
€208,502 ▲ 8.1%
Equity and liabilities €220,569
Equity
€95,733 ▲ 5.9%
Debt
€124,836 ▲ 6.4%
Debt's share of the balance-sheet total rises from 56.5% to 56.6%. Equity and debt are higher.
Key figures and ratios
Key figures and ratios
EBITDA
€17,397▼
2024 · €26,025
Cash flow
€8,141▼
2024 · €17,886
Quick ratio
1.89▼
2024 · 2.00
Debt to equity
1.30▲
2024 · 1.30
ROE
5.6%▼
2024 · 16.6%
Interest coverage
2.44▼
2024 · 4.41
Debt ≤ 1 year
€107,313▲
2024 · €93,241
Debt > 1 year
€12,913▼
2024 · €20,033
Income taxes
€2,364▲
2024 · €2,319
Staff costs
€102,641▲
2024 · €80,281
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,040 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 0.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 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 17,040 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.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €176,696 | €367,812 | €391,121 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €171,384 | €297,280 | €324,038 | - | - | - |
| Remuneration, social security and pensions62 | €20,910 | €79,525 | €82,933 | €80,281 | €102,641 | ▲ 27.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,491 | €1,282 | €1,901 | €2,886 | €2,818 | ▼ 2.4% |
| Other operating charges640/8 | €1,610 | €2,598 | €5,657 | €3,732 | €6,706 | ▲ 79.7% |
| Gross operating margin9900 | €72,095 | €99,482 | €102,698 | €110,038 | €126,744 | ▲ 15.2% |
| Operating profit (loss)9901 | €48,084 | €16,077 | €12,207 | €23,139 | €14,579 | ▼ 37.0% |
| Financial income75/76B | €605 | €1,041 | €127 | €87 | €252 | ▲ 190% |
| Recurring financial income75 | €605 | €1,041 | €127 | €87 | €252 | ▲ 190% |
| Financial charges65/66B | €3,007 | €3,763 | €5,279 | €5,907 | €7,144 | ▲ 20.9% |
| Recurring financial charges65 | €3,007 | €3,763 | €5,279 | €5,907 | €7,144 | ▲ 20.9% |
| Profit (loss) for the period before taxes9903 | €45,682 | €13,355 | €7,055 | €17,319 | €7,687 | ▼ 55.6% |
| Income taxes67/77 | €111 | €122 | €129 | €2,319 | €2,364 | ▲ 1.9% |
| Profit (loss) for the period9904 | €45,571 | €13,233 | €6,926 | €15,000 | €5,323 | ▼ 64.5% |
| Profit (loss) for the period to be appropriated9905 | €45,571 | €13,233 | €6,926 | €15,000 | €5,323 | ▼ 64.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €106,388 | €131,823 | €158,307 | €207,752 | €220,569 | ▲ 6.2% |
| Fixed assets21/28 | €6,437 | €5,905 | €11,229 | €14,885 | €12,067 | ▼ 18.9% |
| Tangible fixed assets22/27 | €3,399 | €2,117 | €7,691 | €11,497 | €8,679 | ▼ 24.5% |
| Plant, machinery and equipment23 | €3,399 | €2,117 | €6,879 | €10,885 | €8,267 | ▼ 24.1% |
| Furniture and vehicles24 | - | - | €812 | €612 | €412 | ▼ 32.7% |
| Financial fixed assets28 | €3,038 | €3,788 | €3,538 | €3,388 | €3,388 | = |
| Current assets29/58 | €99,951 | €125,918 | €147,078 | €192,867 | €208,502 | ▲ 8.1% |
| Stocks and contracts in progress3 | €5,453 | €7,053 | €5,150 | €6,842 | €6,175 | ▼ 9.7% |
| Stocks30/36 | €5,453 | €7,053 | €5,150 | €6,842 | €6,175 | ▼ 9.7% |
| Amounts receivable within one year40/41 | €19,926 | €35,006 | €51,529 | €86,078 | €99,104 | ▲ 15.1% |
| Trade receivables40 | €4,948 | €12,862 | €13,057 | €16,942 | €16,866 | ▼ 0.4% |
| Other amounts receivable41 | €14,978 | €22,144 | €38,472 | €69,136 | €82,238 | ▲ 19.0% |
| Cash at bank and in hand54/58 | €74,482 | €83,637 | €89,362 | €99,554 | €103,223 | ▲ 3.7% |
| Deferred charges and accrued income490/1 | €90 | €222 | €1,037 | €393 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €106,388 | €131,823 | €158,307 | €207,752 | €220,569 | ▲ 6.2% |
| Equity10/15 | €55,251 | €68,484 | €75,410 | €90,410 | €95,733 | ▲ 5.9% |
| Contributions10/11 | €145,043 | €145,043 | €145,043 | €145,043 | €145,043 | = |
| Capital10 | €145,043 | €145,043 | €145,043 | €145,043 | €145,043 | = |
| Issued capital100 | €145,043 | €145,043 | €145,043 | €145,043 | €145,043 | = |
| Profit (loss) carried forward14 | -€89,792 | -€76,559 | -€69,633 | -€54,633 | -€49,310 | ▲ 9.7% |
| Amounts payable17/49 | €51,137 | €63,339 | €82,897 | €117,342 | €124,836 | ▲ 6.4% |
| Amounts payable after more than one year17 | €13,325 | €8,274 | €29,807 | €20,033 | €12,913 | ▼ 35.5% |
| Financial debts170/4 | €13,325 | €8,274 | €29,807 | €20,033 | €12,913 | ▼ 35.5% |
| Amounts payable within one year42/48 | €37,812 | €55,065 | €53,090 | €93,241 | €107,313 | ▲ 15.1% |
| Current portion of amounts payable after more than one year42 | €5,883 | €5,052 | €11,907 | €9,773 | €7,120 | ▼ 27.1% |
| Financial debts43 | €2,200 | €2,202 | €2,244 | €2,250 | €2,235 | ▼ 0.7% |
| Credit institutions430/8 | €2,200 | €2,202 | €2,244 | €2,250 | €2,235 | ▼ 0.7% |
| Trade debts44 | €6,292 | €27,666 | €16,307 | €45,954 | €26,537 | ▼ 42.3% |
| Suppliers440/4 | €6,292 | €27,666 | €16,307 | €45,954 | €26,537 | ▼ 42.3% |
| Taxes, remuneration and social security45 | €12,082 | €17,082 | €22,632 | €35,264 | €71,421 | ▲ 103% |
| Taxes450/3 | €2,021 | €7,241 | €6,947 | €16,811 | €42,873 | ▲ 155% |
| Remuneration and social security454/9 | €10,061 | €9,841 | €15,685 | €18,453 | €28,548 | ▲ 54.7% |
| Other amounts payable47/48 | €11,355 | €3,063 | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €4,068 | €4,610 | ▲ 13.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €45,571 | €13,233 | €6,926 | €15,000 | €5,323 | ▼ 64.5% |
| + Depreciation and write-downs630 | €1,491 | €1,282 | €1,901 | €2,886 | €2,818 | ▼ 2.4% |
| Operating cash flow (approximation) | €47,062 | €14,515 | €8,827 | €17,886 | €8,141 | ▼ 54.5% |
| Investment in fixed assets (approximation) | - | -€750 | -€7,225 | -€6,542 | €0 | ▲ 100% |
| Change in cash | - | €9,155 | €5,725 | €10,192 | €3,669 | ▼ 64.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Of 20,500 companies in this sector we hold annual accounts for 11,468. 9,624 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
12 eventsLatest 27-08-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
11-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 72 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €45,571
Net result €45,571 after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Weakest financial yearnet -€16,356
Net result drops to -€16,356, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 55 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Support & recognitions
1 register with a recognitionFASFC 1 site
FASFC
1
authorised site
Recognitions · licences · registrations
Food safety, FASFC
1 siteMonsunit no. 2.042.193.260
Company details
Public limited company · founded 03-02-1989Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPublic limited company
Founded03-02-1989
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56301Cafés and bars
E-invoicing
Reachable via Peppol
Peppol ID
0208:0436593832
Also
9925:BE0436593832
Registered
07-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Mons · 1 establishment unit since 1989
Ground area
197 m²
Building footprint
38 m²
Volume, LiDAR
469 m³
Parcel 53403G0395/00B000, Wallonia · tallest building 13.4 m, ±4 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
LE CARILLON
since 1989unit no. 2.042.193.260
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53403G0395/00B000 ProtectedMonument |
Wallonia | 197 m² | 1 · 38 m² | 13.4 m · 4 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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