Equity
Pascal Chrispeels paid out €59,250 in dividends. That is 104% of the 2025 profit.
Pascal Chrispeels paid out €59,250 in dividends. That is 104% of the 2025 profit.
The micro format states no turnover.
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 82, micro). It does better than 49% of them on solvency, 19% on liquidity, 87% on profitability and 31% on growth.
The bankruptcy probability was computed on 10-11-2026 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 30-06-2025.
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).
In July 2024, 39,278 companies had the same profile as Pascal Chrispeels has now. Each dot stands for 99 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Pascal Chrispeels itself: 0.5% within 12 months.
The method was tested on the 497,448 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 39,278 companies, not a prediction for Pascal Chrispeels. 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.
Liquidity is insufficient, with a current ratio of 0.25 (0.44 in 2024), below 1. Short-term debt is 53.3% and cash 9% of total assets. 53.3% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 3 accounts on average 88 days before the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| Pascal Chrispeels Auderghem | €88,783 | €82,808 | 46.7% | - |
| OGMA INSIGHTS Woluwe-Saint-Lambert | €95,476 | €92,160 | 34.5% | - |
| van den Heuvel Herentals | €88,176 | €80,943 | 2.3% | - |
| SALESMAKER Kampenhout | €95,341 | €78,903 | 23.5% | - |
| I. Blauwens Wemmel | €91,436 | €86,378 | 90.0% | - |
| N. Verfaellie Ghent | €89,849 | €71,224 | 2.8% | - |
| Structic Malle | €92,255 | €97,290 | 10.4% | - |
These companies have the same main activity as Pascal Chrispeels: other business support services (NACE 82990). They are comparable in size and age: total assets between €88,200 and €95,500, founded between 2021 and 2022.
Pascal Chrispeels files the micro format. That format states no turnover. The gross margin rose from €66,840 in 2023 to €82,808 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €170,000. Estimated: probably between €140,000 and €230,000.
Higher than 47% of 9,696 companies in 2025.
Higher than 7% of 9,314 companies in 2025.
Higher than 94% of 9,438 companies in 2025.
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: bottom quarter
| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
88,783 | 107,495 | 73,124 | |
21/28 |
76,961 | 82,939 | 421 | |
22/27 |
76,961 | 82,939 | 421 | |
22 |
70,192 | 76,698 | - | |
24 |
6,769 | 6,241 | 421 | |
29/58 |
11,822 | 24,556 | 72,703 | |
40/41 |
172 | 7,607 | 995 | |
40 |
172 | - | - | |
41 |
0 | 7,607 | 995 | |
54/58 |
7,967 | 15,176 | 70,046 | |
490/1 |
3,684 | 1,772 | 1,661 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
88,783 | 107,495 | 73,124 | |
10/15 |
41,500 | 44,009 | 42,123 | |
10/11 |
15,000 | 15,000 | 15,000 | |
14 |
26,500 | 29,009 | 27,123 | |
17/49 |
47,283 | 63,485 | 31,001 | |
17 |
0 | 7,568 | - | |
170/4 |
0 | 7,568 | - | |
42/48 |
47,283 | 55,917 | 31,001 | |
42 |
7,568 | 10,910 | - | |
44 |
2,250 | 2,039 | 1,207 | |
440/4 |
2,250 | 2,039 | 1,207 | |
46 |
- | 0 | 1,143 | |
45 |
36,401 | 42,968 | 28,651 | |
450/3 |
36,401 | 42,968 | 28,651 | |
47/48 |
1,064 | - | - | |
| Income statement | ||||
9900 |
82,808 | 84,463 | 66,840 | |
630 |
8,306 | 3,793 | 10 | |
640/8 |
576 | 516 | 1,122 | |
9901 |
73,926 | 80,154 | 65,709 | |
75/76B |
- | 0 | 1 | |
75 |
- | 0 | 1 | |
65/66B |
1,111 | 445 | 75 | |
65 |
1,111 | 445 | 75 | |
9903 |
72,815 | 79,709 | 65,634 | |
67/77 |
16,075 | 16,536 | 13,940 | |
9904 |
56,741 | 63,173 | 51,694 | |
9905 |
56,741 | 63,173 | 51,694 | |
| Appropriation of the result | ||||
9906 |
85,750 | 90,295 | 51,694 | |
14P |
29,009 | 27,123 | - | |
694/7 |
59,250 | 61,286 | 24,571 | |
694 |
59,250 | 61,286 | 24,571 | |
| Document | ||||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 05-11-2025.
| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 82,232 | 83,947 | 65,719 | ||
| 65,047 | 66,966 | 51,704 | ||
| 2,328 | 86,311 | 431 | ||
| -7,209 | -54,870 | - | ||
| -35,460 | -31,361 | 41,701 | ||
| 46.7% | 40.9% | 57.6% | ||
| 0.25 | 0.44 | 2.35 | ||
| 1.14 | 1.44 | 0.74 | ||
| 136.7% | 143.5% | 122.7% | ||
| 63.9% | 58.8% | 70.7% | ||
| 74.05 | over 100 | over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 30-06-2025 | 30-06-2024 | 30-06-2023 |
|---|---|---|---|
| Tangible fixed assets | €2,328 | €86,311 | €431 |
| €8,306 | €3,793 | €10 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Source: TED (Tenders Electronic Daily), Publications Office of the European Union. The values are as the buyer published them. For a framework agreement, the value is a ceiling.
The operating result for 2025 is 8% lower than in 2024.
Debt's share of the balance-sheet total falls from 59.1% to 53.3%. Equity and debt are lower.
Pascal Chrispeels has no parent and no holdings in its annual accounts.
| Boucquey, Valérie (sole trader)
establishment since 13-01-2021 |
founded in 2021 0832.106.877 |
| S.M.I.L.E., Something More in Your Learning Experience
registered office since 24-12-1993 |
founded in 1993 0451.951.011 |
The board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
Deadline for the 2026 accounts: 31-01-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
On 20 June 2022, Pascal Chrispeels was incorporated as a private limited company by one natural person, with a starting capital of €15,000.12 In 2023 the registered office moved to Auderghem.3 Of the 2 current board members, 2 have served since 2022.4 Total assets went from €73,124 in 2023 to €88,783 in 2025.5
| Establishment | Since | Unit number |
|---|---|---|
| Jean François Leemanslaan 82 registered office 1160 Auderghem | ||
| Marcel Thirylaan 216 1200 Woluwe-Saint-Lambert 66199 Other activities auxiliary to financial services, excluding insurance and pension funding | 20-06-2022 | 2.332.536.531 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21018A0008/00M000 | 5,504 m² | 1 · 1,441 m² | 29.6 m · 9 |
| 21332E0033/00W037 | 210 m² | 1 · 57 m² | 11.8 m · 3 |
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