PAQUES ON WEB
ActivePAQUES ON WEB has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €401k and a net result of €11k. Equity is growing by ~88.2% per year across the filed fiscal years. Its solvency ranks better than 80% of 15868 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability71▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.94 against 1.59 in 2023; short-term debt: 23.2% and cash: 12.9% of total assets), and 23.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-09-2025, 53 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
53 d late
2023
31 d late
2022
52 d late
2021
75 d late
2020
9 d late
2019
4 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€401k▲ 2.9%
2023 · €390k
2018: €17k
2019: €14k
2020: €13k
2021: €347k
2022: €400k
2023: €390k
2018 → 2024
Total assets
€522k▲ 2.7%
2023 · €509k
2018: €19k
2019: €14k
2020: €13k
2021: €490k
2022: €553k
2023: €509k
2018 → 2024
Net result
€11k▼ 16.0%
2023 · €13k
2018: €-2k
2019: €-2k
2020: €-886
2021: €-39k
2022: €53k
2023: €13k
2018 → 2024
Working capital
€114k▲ 60.8%
2023 · €71k
2018: €17k
2019: €14k
2020: €13k
2021: €64k
2022: €79k
2023: €71k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€13k-€347k▲ 2,518%€400k▲ 15.2%€390k▼ 2.4%€401k▲ 2.9%
Operating result€-838-€-39k▼ 4,511%€62k€19k▼ 68.7%€17k▼ 14.9%
Net result€-886-€-39k▼ 4,266%€53k€13k▼ 74.6%€11k▼ 16.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 15% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €522k
Fixed assets
€287k▼ 10.0%
Current assets
€235k▲ 24.0%
Equity and liabilities €522k
Equity
€401k▲ 2.9%
Debt
€121k▲ 2.1%
The debt ratio falls from 23.4% to 23.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€48k▼
2023 · €51k
Cash flow
€43k▼
2023 · €45k
Solvency
76.8%▲
2023 · 76.6%
Current ratio
1.94▲
2023 · 1.59
Quick ratio
1.94▲
2023 · 1.59
Debt / equity
0.30▼
2023 · 0.30
ROE
2.8%▼
2023 · 3.4%
ROA
2.2%▼
2023 · 2.6%
Interest coverage
947.83▼
2023 · 1138.70
Debt
€121k▲
2023 · €119k
Debt ≤ 1 year
€121k▲
2023 · €119k
Income taxes
€6k▼
2023 · €7k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€509k€522k▲
Fixed assets21/28€319k€287k▼
Tangible fixed assets22/27€319k€287k▼
Land and buildings22€319k€287k▼
Current assets29/58€190k€235k▲
Amounts receivable within one year40/41€169k€167k▼
Trade receivables40-€9k
Other amounts receivable41€169k€159k▼
Cash at bank and in hand54/58€20k€67k▲
Deferred charges and accrued income490/1€655€481▼
Equity and liabilities
Total equity and liabilities10/49€509k€522k▲
Equity10/15€390k€401k▲
Contributions10/11€36k€36k=
Reserves13€261k€273k▲
Distributable reserves133€261k€273k▲
Profit (loss) carried forward14€92k€92k=
Amounts payable17/49€119k€121k▲
Amounts payable within one year42/48€119k€121k▲
Trade debts44€77k€113k▲
Suppliers440/4€77k€113k▲
Taxes, remuneration and social security45€17k€7k▼
Taxes450/3€17k€7k▼
Other amounts payable47/48€25k€2k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€32k=
Provisions for liabilities and charges: additions (uses and reversals)635/8€-30k-
Other operating charges640/8€348€17k▲
Gross operating margin9900€21k€66k▲
Operating profit (loss)9901€19k€17k▼
Financial income75/76B€655€481▼
Recurring financial income75€655€481▼
Financial charges65/66B€45€51▲
Recurring financial charges65€45€51▲
Profit (loss) for the period before taxes9903€20k€17k▼
Income taxes67/77€7k€6k▼
Profit (loss) for the period9904€13k€11k▼
Profit (loss) for the period to be appropriated9905€13k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€106k€104k▼
Profit (loss) brought forward from the previous period14P€92k€92k=
Transfer from equity791/2€23k-
Transfer to equity691/2€13k€11k▼
To other reserves6921€13k€11k▼
Profit to be distributed694/7€23k-
Return on contributions (dividend)694€23k-
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 53 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 52 days late
2022
31-12
Financial
Back to profitnet €53k
Net result €53k after 4 loss-making years.
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 75 days late
2021
31-12
Financial
Weakest financial yearnet €-39k
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €347k ▲2518%
Equity rises from €13k to €347k.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Liquidity times 9current ratio 1050.53
Current ratio from 117.87 to 1050.53; short-term debt falls from €121 to €13.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 13current ratio 117.87
Current ratio from 9.01 to 117.87; short-term debt falls from €2k to €121.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Chaudfontaine
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.
Rue Joseph Deflandre 64053 ChaudfontaineGround area
84 m²
Building footprint
79 m²
Parcel 62030A0126/00K002, Wallonia. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62030A0126/00K002 | Wallonia | 84 m² | 1 · 79 m² | - |
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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GRONICO
BE 0417.572.429
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VIPA
BE 0441.361.282
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SYMPA
BE 0416.468.213
Ittre · Eq €408k
JORA
BE 0442.972.571
Nijlen · Eq €409k
Of 679 companies in sector 46494 we hold annual accounts for 530. 401 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-08-2017
Fiscal year end31-12
Activities, NACEBEL
46494Wholesale of non-electrical household articles
47553Retail trade
47593Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.