PARCOM
ActivePARCOM has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €965k and a net result of €175k. Equity is shrinking by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 78% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84=
Solvency92▲+3
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity tight (current ratio 1.18 against 0.94 in 2024; short-term debt: 14.7% and cash: 12% of total assets), and 32.6% 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
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
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
67.4%
Return on assets
12.3%
Age of the figures
9 mo
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
13 d late
2023
23 d late
2022
96 d early
2021
11 d early
2020
1 d early
2019
26 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€175k▼ 3.1%
2024 · €181k
2018: €-41k
2019: €81k
2020: €192k
2021: €142k
2022: €54k
2023: €183k
2024: €181k
2018 → 2025
Working capital
€39k
2024 · €-14k
2018: €367k
2019: €494k
2020: €572k
2021: €-165k
2022: €-113k
2023: €-65k
2024: €-14k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€880k-€874k▼ 0.7%€927k▲ 6.1%€943k▲ 1.7%€965k▲ 2.3%
Operating result€208k-€76k▼ 63.6%€246k▲ 225%€246k▼ 0.3%€235k▼ 4.5%
Net result€142k-€54k▼ 62.1%€183k▲ 241%€181k▼ 1.2%€175k▼ 3.1%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.43M
Fixed assets
€1.18M▼ 6.3%
Current assets
€249k▲ 14.6%
Equity and liabilities €1.43M
Equity
€965k▲ 2.3%
Provisions
€79k▼ 8.8%
Debt
€387k▼ 13.6%
The debt ratio falls from 30.3% to 27.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€314k▼
2024 · €329k
Cash flow
€254k▼
2024 · €264k
Solvency
67.4%▲
2024 · 63.8%
Current ratio
1.18▲
2024 · 0.94
Quick ratio
1.18▲
2024 · 0.94
Debt / equity
0.40▼
2024 · 0.48
ROE
18.2%▼
2024 · 19.2%
ROA
12.3%▲
2024 · 12.3%
Interest coverage
94.32▲
2024 · 76.81
Debt
€387k▼
2024 · €448k
Debt ≤ 1 year
€210k▼
2024 · €232k
Debt > 1 year
€177k▼
2024 · €217k
Income taxes
€63k▼
2024 · €68k
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€1.48M€1.43M▼
Fixed assets21/28€1.26M€1.18M▼
Tangible fixed assets22/27€1.19M€1.11M▼
Land and buildings22€1.19M€1.11M▼
Plant, machinery and equipment23€1k€0▼
Financial fixed assets28€68k€68k=
Current assets29/58€217k€249k▲
Amounts receivable within one year40/41€62k€77k▲
Trade receivables40€59k€69k▲
Other amounts receivable41€3k€8k▲
Cash at bank and in hand54/58€155k€172k▲
Equity and liabilities
Total equity and liabilities10/49€1.48M€1.43M▼
Equity10/15€943k€965k▲
Contributions10/11€167k€167k=
Reserves13€776k€797k▲
Non-distributable reserves130/1€17k€17k=
Reserves not available under the articles1311€17k€17k=
Tax-exempt reserves132€209k€195k▼
Distributable reserves133€550k€586k▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€86k€79k▼
Provisions for liabilities and charges160/5€86k€79k▼
Taxes161€86k€79k▼
Amounts payable17/49€448k€387k▼
Amounts payable after more than one year17€217k€177k▼
Financial debts170/4€217k€177k▼
Amounts payable within one year42/48€232k€210k▼
Current portion of amounts payable after more than one year42€40k€40k=
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€1k€4k▲
Suppliers440/4€1k€4k▲
Taxes, remuneration and social security45€13k€174▼
Taxes450/3€13k€174▼
Other amounts payable47/48€177k€166k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€83k€79k▼
Other operating charges640/8€38k€39k▲
Non-recurring operating charges66A€1k€0▼
Gross operating margin9900€368k€353k▼
Operating profit (loss)9901€246k€235k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€241k€231k▼
Transfer from deferred taxes780€8k€8k=
Income taxes67/77€68k€63k▼
Profit (loss) for the period9904€181k€175k▼
Transfer from tax-exempt reserves789€15k€15k=
Profit (loss) for the period to be appropriated9905€196k€190k▼
Appropriation of the result
Profit (loss) to be appropriated9906€196k€190k▼
Transfer to equity691/2€31k€36k▲
To other reserves6921€31k€36k▲
Profit to be distributed694/7€165k€154k▼
Return on contributions (dividend)694€165k€154k▼
Directors or managers695€0-
The notes to these accounts (12 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €192k ▲137%
Operating result €254k, net result €192k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Back to profitnet €81k
Net result €81k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 10 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
14 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, Court-Saint-Etienne · 1 establishment unit since 1991
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 de la Papeterie 331490 Court-Saint-EtienneGround area
8,725 m²
Building footprint
2,192 m²
Volume, LiDAR
11,341 m³
2 parcels, Wallonia · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
INTERMARCHE
since 19912.053.686.770
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54432C0774/00D000 | Wallonia | 8,361 m² | 1 · 2,119 m² | 8.3 m · 2 fl. |
| 25023A0663/00M003 | Wallonia | 364 m² | 1 · 73 m² | 9.2 m · 3 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
Legal Entity Identifier
549300HGIBTQ51UHX512
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Of 12,979 companies in sector 47120 we hold annual accounts for 2,186. 889 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded03-06-1991
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47192Retail trade
52121
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.