PARETO
ActivePARETO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €174k and a net result of €65k. Equity is growing by ~27.6% per year across the filed fiscal years. Its solvency ranks better than 33% of 786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+41
Solvency51▲+7
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 0.8 in 2024; short-term debt: 19.8% and cash: 10.9% of total assets), and 73.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← 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
26.2%
Return on assets
9.8%
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 08-04-2026, 114 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
114 d early
2024
44 d early
2023
40 d early
2022
49 d early
2021
41 d early
2020
47 d early
2019
46 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€174k▲ 59.4%
2024 · €109k
2018: €10k
2019: €11k
2020: €33k
2021: €50k
2022: €110k
2023: €112k
2024: €109k
2018 → 2025
Total assets
€665k▲ 14.0%
2024 · €583k
2018: €41k
2019: €42k
2020: €77k
2021: €72k
2022: €134k
2023: €157k
2024: €583k
2018 → 2025
Net result
€65k
2024 · €-3k
2018: €4k
2019: €348
2020: €23k
2021: €17k
2022: €60k
2023: €2k
2024: €-3k
2018 → 2025
Working capital
€33k
2024 · €-19k
2018: €16k
2019: €9k
2020: €22k
2021: €41k
2022: €104k
2023: €102k
2024: €-19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€110k▲ 118%€112k▲ 1.9%€109k▼ 2.7%€174k▲ 59.4%
Operating result€24k-€80k▲ 231%€5k▼ 93.4%€15k▲ 192%€117k▲ 661%
Net result€17k-€60k▲ 252%€2k▼ 96.5%€-3k€65k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 661% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €665k
Fixed assets
€501k▼ 1.8%
Current assets
€164k▲ 124%
Equity and liabilities €665k
Equity
€174k▲ 59.4%
Debt
€491k▲ 3.6%
The debt ratio falls from 81.3% to 73.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€150k▲
2024 · €44k
Cash flow
€97k▲
2024 · €26k
Solvency
26.2%▲
2024 · 18.7%
Current ratio
1.25▲
2024 · 0.80
Quick ratio
1.25▲
2024 · 0.80
Debt / equity
2.82▼
2024 · 4.34
ROE
37.3%▲
2024 · -2.8%
ROA
9.8%▲
2024 · -0.5%
Interest coverage
7.25▲
2024 · 2.60
Debt
€491k▲
2024 · €474k
Debt ≤ 1 year
€131k▲
2024 · €92k
Debt > 1 year
€359k▼
2024 · €382k
Income taxes
€34k▲
2024 · €3k
Staff costs
€58k▲
2024 · €48k
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€583k€665k▲
Fixed assets21/28€510k€501k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€507k€499k▼
Land and buildings22€500k€474k▼
Plant, machinery and equipment23-€3k
Furniture and vehicles24€5k€12k▲
Other tangible fixed assets26€1k€10k▲
Current assets29/58€73k€164k▲
Amounts receivable within one year40/41€54k€92k▲
Trade receivables40€28k€18k▼
Other amounts receivable41€26k€74k▲
Cash at bank and in hand54/58€4k€72k▲
Deferred charges and accrued income490/1€15k-
Equity and liabilities
Total equity and liabilities10/49€583k€665k▲
Equity10/15€109k€174k▲
Contributions10/11€8k€8k=
Reserves13€101k€166k▲
Distributable reserves133€101k€166k▲
Amounts payable17/49€474k€491k▲
Amounts payable after more than one year17€382k€359k▼
Financial debts170/4€382k€359k▼
Amounts payable within one year42/48€92k€131k▲
Current portion of amounts payable after more than one year42€54k€55k▲
Financial debts43€16k€982▼
Credit institutions430/8€16k€982▼
Trade debts44€8k€26k▲
Suppliers440/4€8k€26k▲
Taxes, remuneration and social security45€14k€49k▲
Taxes450/3€5k€37k▲
Remuneration and social security454/9€9k€12k▲
Income statement
Code20242025
Remuneration, social security and pensions62€48k€58k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€32k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€95k€210k▲
Operating profit (loss)9901€15k€117k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€17k€21k▲
Recurring financial charges65€17k€21k▲
Profit (loss) for the period before taxes9903€427€99k▲
Income taxes67/77€3k€34k▲
Profit (loss) for the period9904€-3k€65k▲
Profit (loss) for the period to be appropriated9905€-3k€65k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€65k▲
Transfer from equity791/2€3k-
Transfer to equity691/2-€65k
To other reserves6921-€65k
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
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €65k
Net result €65k after one loss-making year.
31-12
Financial
Equity above €150kEq €174k ▲59.4%
Equity rises from €109k to €174k.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-3k ▼245%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €110k ▲118%
5 profitable years in a row build equity to €110k.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-06
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
6 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, Nijlen · 1 establishment unit since 2017
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.
Koningsbaan 682560 NijlenGround area
979 m²
Building footprint
202 m²
Volume, LiDAR
940 m³
Parcel 12026D0769/00M000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PARETO
since 20172.265.937.915
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12026D0769/00M000 | Flanders | 979 m² | 1 · 202 m² | 8.0 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 25,000 EUR awarded · 12,750 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 0 EUR | 250 EUR |
| 2023 | 1 | 25,000 EUR | 12,500 EUR |
Schemes
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
Similar companies · same sector, comparable size
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Esseci
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MELIOR CAREERS
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ILYAS
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Antwerpen · Eq €174k
Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 1,083 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2017
Fiscal year end31-12
Activities, NACEBEL
78100Employment placement agencies
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.