Equity
€393,000 ▼ 25.3%
PARCOBS paid out €200,000 in dividends. That is 299% of the 2025 profit.
PARCOBS
Lifetime
20 annual accounts with figures on one time axis, 23 filings since 2003peak €1.1m (2025)
€1.1m▲ 4.3%
lowest -€55,679 (2022)
€66,981▼ 22.8%
peak €526,019 (2024)
€393,000▼ 25.3%
€2.0m▼ 10.3%
peak 16.4 FTE (2010)
15.3 FTE▲ 1.3%
Board3 names since 2014
2 directorsTELVAIN and 1 other
Owners
99.97%TELVAIN
Documentsfilings and deeds
30-05-202662 days before the deadline
2025financial year
Dividend €200,000Equity from €526,019 to €393,000Cash from €473,994 to €321,114
Key points
from the 2025 annual accountsDebts
€2.0m 84% of the balance sheet
Financial debts 58%Suppliers 13%Taxes and wages 3%Other 26%
Of this, €834,112 falls due within a year.
Investments
€20,646 0.1 × depreciation
Green is investment, beige is depreciation.
Staff
19 employees on 31-12-2025
In 2025, 8 people joined and nobody left.
Filings
23 annual accounts since 2003
Two of the last ten came late. The 2024 accounts came latest: 27 days after the end of the period.
Board
2 joined · 1 left
Board changed. Latest change 09-07-2026 · 2 in office.
Checked score
83
Excellent
Financially stronger than 43% of small companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 3,697 companies (NACE 47, small).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%lowest value
01-2025: 0.2%● unchanged vs 12-2024lowest value
02-2025: 0.2%● unchanged vs 01-2025lowest value
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.3%▲ +0.1 percentage points vs 06-2025
08-2025: 0.6%▲ +0.3 percentage points vs 07-2025highest value
09-2025: 0.3%▼ -0.3 percentage points vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.4%▲ +0.1 percentage points vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.4%● unchanged vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026
10-2026: 0.4%● unchanged vs 09-2026
11-2026: 0.4%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Equity €393,000 (16.2% of total assets)
Sector: Retail trade (NACE 47)
Size: 15.3 FTE, total assets €2.4m
lowers risk
Founded in 2002
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, small). It does better than 30% of them on solvency, 66% on liquidity, 60% on profitability and 14% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 4,685 companies had the same profile as PARCOBS has now. Each dot stands for 12 companies, two years later.
97.0%
were still trading
1.9%
stopped another way
1.1%
went bankrupt
That fits the bankruptcy probability of PARCOBS itself: 0.4% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 4,685 companies, not a prediction for PARCOBS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €30,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.93 (1.07 in 2024), below 1. Short-term debt is 34.4% and cash 13.2% of total assets. 83.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-05-2026, 62 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
62 days early
2024
27 days late
2023
37 days early
2022
38 days early
2021
23 days late
2020
19 days early
2019
23 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 18 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 June (4 of the last 5 accounts filed within 59 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- TELVAIN 99.97%equity €656,803 (2025) · 2025 annual accounts of TELVAIN
- I.T.M. BELGIUMequity €3.3m (2025) · deed of 15-04-2026
Recent changes
1 director appointed, 2 resignations
Resignations: Marie-Christine Van Durmen (daily management delegate) and SA TELVAIN (daily management delegate) · Appointment: Jalexgo Invest (daily management delegate) · Permanent representative: Ludovic DEVAL · General meeting of 16-06-2026 · Gazette deed
2 directors appointed, 2 resignations
Resignations: TELVAIN and VANDURMEN Marie-Christine · Permanent representative: HUNT ChristopheGhislainMarie · Appointments: TELVAIN and VANDURMEN Marie-Christine · General meeting of 13-04-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0478258597
2 directors reappointed
Sa Telvain and Marie-Christine Van Durmen · Permanent representative: Christophe Hunt · General meeting of 25-05-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PARCOBS Rumes | €2.4m | €1.1m | 16.2% | 15.3 |
| GCN REYHAN Charleroi | €2.6m | €1.1m | 65.8% | 16 |
| Ultrafrais Rixensart | €2.6m | €1.2m | 34.2% | 17.6 |
| GLADIS Couvin | €2.0m | €1.0m | 40.5% | 16.4 |
| BEAUSOV NEW Beauraing | €2.6m | €0.8m | 36.2% | 14.9 |
| OSERIS Tournai | €2.3m | €1.6m | 70.0% | 16.4 |
| DUCARDIS Péruwelz | €2.6m | €1.5m | 33.4% | 17.9 |
These companies have the same main activity as PARCOBS: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €2m and €2.6m, founded between 2001 and 2006.
Official details
Source: KBO- Status
- Active since 04-09-2002Normal situation
- Activity
- Non-specialised retail sale with food, beverages or tobacco predominatingNACE 47110
- Establishment unit
- 2.115.149.8317610 Rumes, since 26-11-2002
- Financial year end
- 31 December
- Peppol
- Reachable since 05-01-2026
Annual accounts 2025
- ≈ €7.6mestimated
- €2.4m▼ 13.1%
- Employeeson 31-12-2025
- 19▲ 5.6%
- Filing
- Filed on 30-05-2026, 62 days before the end of the filing period
Insights on PARCOBS
PARCOBS has existed since 2002. The gross margin grew from €555,073 in 2006 to €1.1m in 2025 and staff from 11.3 to 15.3 full-time equivalents.
The gross margin has grown every year since 2021.
TELVAIN holds all the shares. In July 2026, the Official Gazette published the appointment of JALEXGO INVEST as managing director.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PARCOBS
- What is the company number of PARCOBS?
- The company number of PARCOBS is 0478.258.597. The VAT number is the same number with BE in front: BE 0478.258.597.
- Where is PARCOBS based?
- The registered office is at Chaussée de Douai 1BIS, 7610 Rumes.Company details
- What does PARCOBS do?
- According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
- What is the legal form of PARCOBS?
- PARCOBS is a public limited company (NV).
- When was PARCOBS founded?
- PARCOBS was founded on 04-09-2002.
- Is PARCOBS still active?
- Yes, PARCOBS is an active enterprise in the KBO register.
- How many employees does PARCOBS have?
- PARCOBS had an average of 15.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of PARCOBS?
- The turnover in financial year 2025 is ≈ €7.6m. This figure is estimated from the gross margin of €1.1m and 30 comparable companies (NACE 471). It probably lies between €4.6m and €9.2m.
- Is PARCOBS profitable?
- In financial year 2025, PARCOBS made a profit of €66,981.
- Where can I find the annual accounts of PARCOBS?
- PARCOBS filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PARCOBS due?
- PARCOBS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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