PARADEIGMA
ActiveSummary
PARADEIGMA has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €94k and a net result of €9k. Equity is shrinking by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 15865 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability78▼-21
Solvency100▲+24
Growth52▼-6
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 4.01 against 1.82 in 2023; short-term debt: 21.2% and cash: 5% of total assets), and 21.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
192021222324
2019 to 2024 · latest year €94k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
61 d late
2023
89 d late
2022
64 d late
2021
31 d late
2020
143 d late
2019
122 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€94k▲ 10.7%
2023 · €85k
Total assets
€120k▼ 28.8%
2023 · €168k
Net result
€9k▼ 77.7%
2023 · €41k
Working capital
€76k▲ 17.9%
2023 · €65k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€51k▲ 75.7%€60k▲ 17.4%€63k▲ 4.7%€53k▼ 15.5%€16k▼ 69.5%
Net result€40k▲ 78.0%€43k▲ 8.5%€49k▲ 12.7%€41k▼ 15.7%€9k▼ 77.7%
Equity€123k▲ 32.0%€109k▼ 10.9%€74k▼ 32.1%€85k▲ 14.8%€94k▲ 10.7%
Total assets€168k▲ 32.8%€216k▲ 29.0%€194k▼ 10.5%€168k▼ 13.1%€120k▼ 28.8%
Debt€45k▲ 35.1%€107k▲ 138%€119k▲ 11.5%€83k▼ 30.5%€25k▼ 69.4%
Working capital€116k▲ 36.3%€100k▼ 13.8%€66k▼ 34.6%€65k▼ 1.3%€76k▲ 17.9%
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 69% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €120k
Fixed assets
€18k ▼ 25.8%
Current assets
€102k ▼ 29.3%
Equity and liabilities €120k
Equity
€94k ▲ 10.7%
Debt
€25k ▼ 69.4%
Debt's share of the balance-sheet total falls from 49.3% to 21.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€23k▼
2023 · €59k
Cash flow
€15k▼
2023 · €46k
Current ratio
4.01▲
2023 · 1.82
Debt to equity
0.27▼
2023 · 0.97
ROE
9.7%▼
2023 · 48.1%
ROA
7.6%▼
2023 · 24.4%
Interest coverage
6.28▼
2023 · 56.18
Debt ≤ 1 year
€25k▼
2023 · €79k
Income taxes
€4k▼
2023 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5k | €1k | €2k | €5k | €6k | ▲ 14.9% |
| Other operating charges640/8 | - | €528 | €2k | €2k | €772 | ▼ 50.5% |
| Gross operating margin9900 | €58k | €62k | €67k | €60k | €23k | ▼ 61.3% |
| Operating profit (loss)9901 | €51k | €60k | €63k | €53k | €16k | ▼ 69.5% |
| Financial income75/76B | - | €15 | €4 | - | €1 | - |
| Recurring financial income75 | - | €15 | €4 | - | €1 | - |
| Financial charges65/66B | - | €133 | €713 | €1k | €4k | ▲ 243% |
| Recurring financial charges65 | €362 | €133 | €713 | €1k | €4k | ▲ 243% |
| Profit (loss) for the period before taxes9903 | €51k | €60k | €63k | €52k | €13k | ▼ 75.7% |
| Income taxes67/77 | €11k | €17k | €14k | €11k | €4k | ▼ 68.6% |
| Profit (loss) for the period9904 | €40k | €43k | €49k | €41k | €9k | ▼ 77.7% |
| Profit (loss) for the period to be appropriated9905 | €40k | €43k | €49k | €41k | €9k | ▼ 77.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €168k | €216k | €194k | €168k | €120k | ▼ 28.8% |
| Fixed assets21/28 | €6k | €9k | €9k | €24k | €18k | ▼ 25.8% |
| Tangible fixed assets22/27 | €6k | €9k | €9k | €24k | €18k | ▼ 25.8% |
| Plant, machinery and equipment23 | - | - | - | €7k | €5k | ▼ 23.1% |
| Furniture and vehicles24 | - | €2k | €3k | €12k | €8k | ▼ 32.7% |
| Other tangible fixed assets26 | - | €7k | €6k | €5k | €4k | ▼ 13.2% |
| Current assets29/58 | €161k | €207k | €185k | €144k | €102k | ▼ 29.3% |
| Amounts receivable within one year40/41 | €146k | €172k | €159k | €93k | €96k | ▲ 3.1% |
| Trade receivables40 | - | €20k | €17k | - | €33k | - |
| Other amounts receivable41 | - | €152k | €142k | €93k | €62k | ▼ 32.8% |
| Cash at bank and in hand54/58 | €15k | €35k | €25k | €51k | €6k | ▼ 88.1% |
| Deferred charges and accrued income490/1 | - | €341 | €542 | €460 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €168k | €216k | €194k | €168k | €120k | ▼ 28.8% |
| Equity10/15 | €123k | €109k | €74k | €85k | €94k | ▲ 10.7% |
| Contributions10/11 | - | €1k | €1k | €1k | €1k | = |
| Outside capital11 | - | €1k | - | - | - | - |
| Other1109/19 | - | €1k | - | - | - | - |
| Reserves13 | €65k | €108k | €73k | €43k | €43k | = |
| Non-distributable reserves130/1 | - | €100 | €100 | €100 | €100 | = |
| Reserves not available under the articles1311 | - | €100 | €100 | €100 | €100 | = |
| Distributable reserves133 | - | €108k | €73k | €43k | €43k | = |
| Profit (loss) carried forward14 | €56k | - | - | €41k | €50k | ▲ 22.3% |
| Amounts payable17/49 | €45k | €107k | €119k | €83k | €25k | ▼ 69.4% |
| Amounts payable within one year42/48 | €45k | €107k | €119k | €79k | €25k | ▼ 67.9% |
| Trade debts44 | €7k | €9k | €4k | €3k | €819 | ▼ 67.7% |
| Suppliers440/4 | - | €9k | €4k | €3k | €819 | ▼ 67.7% |
| Taxes, remuneration and social security45 | - | €39k | €34k | €48k | €25k | ▼ 48.9% |
| Taxes450/3 | - | €39k | €34k | €48k | €25k | ▼ 48.9% |
| Other amounts payable47/48 | - | €59k | €82k | €29k | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €4k | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €40k | €43k | €49k | €41k | €9k | ▼ 77.7% |
| + Depreciation and write-downs630 | €5k | €1k | €2k | €5k | €6k | ▲ 14.9% |
| Operating cash flow (approximation) | €45k | €44k | €50k | €46k | €15k | ▼ 66.8% |
| Investment in fixed assets (approximation) | - | €-4k | €-1k | €-21k | €0 | ▲ 100% |
| Change in cash | - | €21k | €-10k | €25k | €-45k | ▼ 275% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €9k ▼77.7%
Net result drops to €9k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 4.01
Current ratio from 1.82 to 4.01; short-term debt falls from €79k to €25k.
28-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 89 days late
2023
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 64 days late
2022
31-12
Financial
Highest result since 2019net €49k ▲12.7%
Operating result €63k, net result €49k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 143 days late
2020
31-12
Financial
Equity above €100kEq €123k ▲32%
2 profitable years in a row build equity to €123k.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 52 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Ukkel · 1 establishment unit since 2017
Ground area
162 m²
Building footprint
114 m²
Volume, LiDAR
1,049 m³
Parcel 21016B0212/00E008, Brussels · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PARADEIGMA
since 20172.263.165.891
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21016B0212/00E008 | Brussels | 162 m² | 1 · 114 m² | 12.2 m · 3 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.
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Of 6,149 companies in sector 46190 we hold annual accounts for 2,570. 1,974 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formLimited partnership
Founded01-03-2017
Fiscal year end31-12
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
Scores and ratios are computed by Checked and are not a credit decision.