PASCAL DE STERCK
ActivePASCAL DE STERCK has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €760k and a net result of €17k. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 85% of 10206 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
83
/ 100
Excellent▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▼-31
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 5.96 against 6.69 in 2024), and 24.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
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
75.5%
Return on assets
1.7%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-12-2025, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
34 d early
2024
1 d early
2023
2 d early
2022
1 d early
2021
4 d early
2020
5 d early
2019
7 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€760k▼ 6.0%
2024 · €808k
2019: €470k
2020: €495k
2021: €596k
2022: €653k
2023: €739k
2024: €808k
2019 → 2025
Total assets
€1.01M▼ 6.2%
2024 · €1.07M
2019: €999k
2020: €897k
2021: €1.03M
2022: €924k
2023: €1.01M
2024: €1.07M
2019 → 2025
Net result
€17k▼ 75.7%
2024 · €69k
2019: €40k
2020: €25k
2021: €101k
2022: €57k
2023: €87k
2024: €69k
2019 → 2025
Working capital
€826k▼ 6.8%
2024 · €886k
2019: €562k
2020: €506k
2021: €734k
2022: €751k
2023: €806k
2024: €886k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€596k-€653k▲ 9.6%€739k▲ 13.3%€808k▲ 9.3%€760k▼ 6.0%
Operating result€156k-€87k▼ 44.1%€137k▲ 56.8%€105k▼ 23.3%€23k▼ 77.6%
Net result€101k-€57k▼ 43.4%€87k▲ 51.6%€69k▼ 20.6%€17k▼ 75.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 78% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.01M
Fixed assets
€14k▼ 54.8%
Current assets
€993k▼ 4.7%
Equity and liabilities €1.01M
Equity
€760k▼ 6.0%
Debt
€247k▼ 6.8%
The debt ratio falls from 24.7% to 24.5%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€48k▼
2024 · €138k
Cash flow
€42k▼
2024 · €102k
Solvency
75.5%▲
2024 · 75.3%
Current ratio
5.96▼
2024 · 6.69
Quick ratio
3.86▲
2024 · 2.38
Debt / equity
0.33▼
2024 · 0.33
ROE
2.2%▼
2024 · 8.5%
ROA
1.7%▼
2024 · 6.4%
Interest coverage
32.56▼
2024 · 55.40
Debt
€247k▼
2024 · €265k
Debt ≤ 1 year
€167k▲
2024 · €156k
Debt > 1 year
€33k▼
2024 · €75k
Income taxes
€5k▼
2024 · €36k
Staff costs
€60k▲
2024 · €59k
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€1.07M€1.01M▼
Fixed assets21/28€31k€14k▼
Tangible fixed assets22/27€31k€14k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€28k€12k▼
Current assets29/58€1.04M€993k▼
Stocks and contracts in progress3€671k€349k▼
Stocks30/36€671k€349k▼
Amounts receivable within one year40/41€220k€194k▼
Trade receivables40€220k€194k▼
Cash at bank and in hand54/58€146k€445k▲
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.07M€1.01M▼
Equity10/15€808k€760k▼
Contributions10/11€19k€19k=
Reserves13€380k€315k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€378k€313k▼
Profit (loss) carried forward14€409k€426k▲
Amounts payable17/49€265k€247k▼
Amounts payable after more than one year17€75k€33k▼
Financial debts170/4€75k€33k▼
Amounts payable within one year42/48€156k€167k▲
Current portion of amounts payable after more than one year42€47k€41k▼
Trade debts44€65k€17k▼
Suppliers440/4€65k€17k▼
Taxes, remuneration and social security45€43k€39k▼
Taxes450/3€37k€24k▼
Remuneration and social security454/9€6k€16k▲
Other amounts payable47/48€76€69k▲
Accrued charges and deferred income492/3€35k€48k▲
Income statement
Code20242025
Non-recurring operating income76A€7k€0▼
Remuneration, social security and pensions62€59k€60k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€25k▼
Other operating charges640/8€4k€9k▲
Gross operating margin9900€200k€117k▼
Operating profit (loss)9901€105k€23k▼
Financial income75/76B€2k€5▼
Recurring financial income75€2k€5▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€104k€22k▼
Income taxes67/77€36k€5k▼
Profit (loss) for the period9904€69k€17k▼
Profit (loss) for the period to be appropriated9905€69k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€478k€426k▼
Profit (loss) brought forward from the previous period14P€409k€409k=
Transfer from equity791/2-€65k
Transfer to equity691/2€69k€0▼
To other reserves6921€69k€0▼
Profit to be distributed694/7-€65k
Return on contributions (dividend)694-€65k
Social balance
Average headcount (FTE)9087-1.0
The notes to these accounts (16 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
2025
28-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Weakest financial yearnet €17k ▼75.7%
Net result drops to €17k, the lowest in the series.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €101k ▲305%
Operating result €156k, net result €101k, both a record.
30-06
Financial
Equity above €500kEq €596k ▲20.4%
3 profitable years in a row build equity to €596k.
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
24-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
18-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Herzele · 1 establishment unit since 2003
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.
Kauwstraat 38/C9550 HerzeleGround area
566 m²
Building footprint
324 m²
Volume, LiDAR
1,337 m³
Parcel 41062B0519/00B003, Flanders · tallest building 4.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Pascal De Sterck
since 20032.135.796.082
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41062B0519/00B003 | Flanders | 565 m² | 1 · 324 m² | 4.5 m · 1 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.
Similar companies · same sector, comparable size
Garage André GERARD et Fils
BE 0463.628.128
Libramont-Chevigny · Eq €759k
GODEFROY
BE 0418.744.743
Halle · Eq €759k
GARAGE GOVAERTS HUGO
BE 0449.177.997
Linter · Eq €761k
GOOSSE BASTOGNE
BE 0464.634.255
Bastogne · Eq €759k
Lekenne
BE 0437.711.906
Bierbeek · Eq €761k
Of 10,620 companies in sector 47811 we hold annual accounts for 5,193. 3,177 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2004
Fiscal year end30-06
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.