PARADIS CONCEPT
ActiveThe computed 12-month bankruptcy probability of PARADIS CONCEPT is 4.6% (elevated). The 2025 annual accounts show equity of €37k and a net result of €5k. Equity is growing by ~40.4% per year across the filed fiscal years. Its solvency ranks better than 34% of 18120 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-19
Solvency40▼-11
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
4.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.61 against 1.02 in 2024; short-term debt: 58.7% and cash: 3.4% of total assets), and 84.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
15.3%
Return on assets
2.2%
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 29-08-2026, 29 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 · 3 filingsDeviation from the deadline
2025
29 d late
2024
56 d late
2023
2 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▲ 16.7%
2024 · €32k
2023: €11k
2024: €32k
2023 → 2025
Total assets
€242k▲ 101%
2024 · €121k
2023: €28k
2024: €121k
2023 → 2025
Net result
€5k▼ 74.0%
2024 · €20k
2023: €6k
2024: €20k
2023 → 2025
Working capital
€-56k
2024 · €2k
2023: €4k
2024: €2k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€11k-€32k▲ 178%€37k▲ 16.7%
Operating result€11k-€29k▲ 171%€26k▼ 11.3%
Net result€6k-€20k▲ 218%€5k▼ 74.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €242k
Fixed assets
€156k▲ 417%
Current assets
€86k▼ 4.6%
Equity and liabilities €242k
Equity
€37k▲ 16.7%
Debt
€205k▲ 131%
The debt ratio rises from 73.8% to 84.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€51k▲
2024 · €32k
Cash flow
€30k▲
2024 · €23k
Solvency
15.3%▼
2024 · 26.2%
Current ratio
0.61▼
2024 · 1.02
Quick ratio
0.21▼
2024 · 0.30
Debt / equity
5.55▲
2024 · 2.81
ROE
14.3%▼
2024 · 64.1%
ROA
2.2%▼
2024 · 16.8%
Interest coverage
6.91▼
2024 · 8.39
Debt
€205k▲
2024 · €89k
Debt ≤ 1 year
€142k▲
2024 · €89k
Debt > 1 year
€63k
Income taxes
€13k▲
2024 · €5k
Staff costs
€43k▲
2024 · €9k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€121k€242k▲
Fixed assets21/28€30k€156k▲
Tangible fixed assets22/27€21k€146k▲
Furniture and vehicles24€18k€144k▲
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€9k€10k▲
Current assets29/58€91k€86k▼
Stocks and contracts in progress3€64k€56k▼
Stocks30/36€64k€56k▼
Amounts receivable within one year40/41€4k€19k▲
Trade receivables40€4k€19k▲
Cash at bank and in hand54/58€22k€8k▼
Deferred charges and accrued income490/1€298€3k▲
Equity and liabilities
Total equity and liabilities10/49€121k€242k▲
Equity10/15€32k€37k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€27k€32k▲
Amounts payable17/49€89k€205k▲
Amounts payable after more than one year17-€63k
Financial debts170/4-€63k
Amounts payable within one year42/48€89k€142k▲
Current portion of amounts payable after more than one year42-€17k
Trade debts44€34k€85k▲
Suppliers440/4€34k€85k▲
Taxes, remuneration and social security45€52k€35k▼
Taxes450/3€9k€23k▲
Remuneration and social security454/9€43k€12k▼
Other amounts payable47/48€4k€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€9k€43k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€25k▲
Other operating charges640/8€1k€9k▲
Non-recurring operating charges66A€472-
Gross operating margin9900€43k€103k▲
Operating profit (loss)9901€29k€26k▼
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€4k€8k▲
Recurring financial charges65€4k€7k▲
Non-recurring financial charges66B-€565
Profit (loss) for the period before taxes9903€25k€18k▼
Income taxes67/77€5k€13k▲
Profit (loss) for the period9904€20k€5k▼
Profit (loss) for the period to be appropriated9905€20k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€32k▲
Profit (loss) brought forward from the previous period14P€6k€27k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial
Weakest financial yearnet €5k ▼74%
Net result drops to €5k, the lowest in the series.
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
31-12
Financial
Highest result since 2023net €20k ▲218%
Operating result €29k, net result €20k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Anderlecht · 2 establishment units since 2023
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.
Raymond Vander Bruggenlaan 601070 AnderlechtGround area
251 m²
Building footprint
121 m²
Volume, LiDAR
2,225 m³
2 parcels, Brussels, Flanders · tallest building 21.8 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
Paradis Concept
since 20232.340.751.342
Paradis Concept
since 20242.366.643.612
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21001A0562/00S007 | Brussels | 130 m² | - | - |
| 24502B0789/00R000 | Flanders | 121 m² | 1 · 121 m² | 21.8 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesAnderlecht2.340.751.342
Leuven2.366.643.612
Similar companies · same sector, comparable size
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VERS GEBAK
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Of 3,830 companies in sector 47210 we hold annual accounts for 965. 777 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2023
Fiscal year end31-12
Activities, NACEBEL
47210Retail sale of fruit and vegetables
47810Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47789Other retail sale of new goods
47820Market retail: textiles, clothing, footwear
47890Retail trade
47990Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.