PASCAL DEFERME
ActivePASCAL DEFERME has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €44k and a net result of €7k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 95% of 36373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability88=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 15.92 against 8.72 in 2023; short-term debt: 5.1% and cash: 25.9% of total assets), and 5.1% 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+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 43
Relative position
BE, all sectors
reference
Sector 43
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 · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €44k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-06-2025, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
42 d early
2023
34 d early
2022
31 d early
2021
32 d early
2020
31 d early
2019
2 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€44k▲ 19.3%
2023 · €37k
2018: €33k
2019: €32k
2020: €32k
2021: €32k
2022: €31k
2023: €37k
2018 → 2024
Total assets
€46k▲ 15.6%
2023 · €40k
2018: €33k
2019: €38k
2020: €35k
2021: €35k
2022: €44k
2023: €40k
2018 → 2024
Net result
€7k▲ 15.9%
2023 · €6k
2018: €-60
2019: €-1k
2020: €-30
2021: €232
2022: €-1k
2023: €6k
2018 → 2024
Working capital
€35k▲ 41.6%
2023 · €25k
2018: €31k
2019: €31k
2020: €31k
2021: €32k
2022: €16k
2023: €25k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€32k-€32k▲ 0.7%€31k▼ 4.2%€37k▲ 20.0%€44k▲ 19.3%
Operating result€341-€377▲ 10.6%€-1k€9k€10k▲ 6.3%
Net result€-30-€232€-1k€6k€7k▲ 15.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 6% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €46k
Fixed assets
€8k▼ 28.0%
Current assets
€38k▲ 33.7%
Equity and liabilities €46k
Equity
€44k▲ 19.3%
Debt
€2k▼ 26.7%
The debt ratio falls from 8.1% to 5.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▲
2023 · €13k
Cash flow
€10k▲
2023 · €9k
Solvency
94.9%▲
2023 · 91.9%
Current ratio
15.92▲
2023 · 8.72
Quick ratio
14.65▲
2023 · 8.72
Debt / equity
0.05▼
2023 · 0.09
ROE
16.2%▼
2023 · 16.6%
ROA
15.3%▲
2023 · 15.3%
Interest coverage
97.63▲
2023 · 96.69
Debt
€2k▼
2023 · €3k
Debt ≤ 1 year
€2k▼
2023 · €3k
Income taxes
€3k▼
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€40k€46k▲
Fixed assets21/28€12k€8k▼
Tangible fixed assets22/27€12k€8k▼
Furniture and vehicles24€4k€3k▼
Other tangible fixed assets26€8k€6k▼
Current assets29/58€28k€38k▲
Stocks and contracts in progress3-€3k
Stocks30/36-€3k
Amounts receivable within one year40/41€8k€22k▲
Trade receivables40€904€14k▲
Other amounts receivable41€8k€8k▲
Cash at bank and in hand54/58€19k€12k▼
Deferred charges and accrued income490/1€1k€906▼
Equity and liabilities
Total equity and liabilities10/49€40k€46k▲
Equity10/15€37k€44k▲
Contributions10/11€19k€19k=
Reserves13€8k€15k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€8k€15k▲
Profit (loss) carried forward14€10k€10k=
Amounts payable17/49€3k€2k▼
Amounts payable within one year42/48€3k€2k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€743€942▲
Taxes450/3€743€942▲
Other amounts payable47/48€0-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€446€449▲
Gross operating margin9900€13k€14k▲
Operating profit (loss)9901€9k€10k▲
Financial income75/76B€397€730▲
Recurring financial income75€397€730▲
Financial charges65/66B€130€135▲
Recurring financial charges65€130€135▲
Profit (loss) for the period before taxes9903€10k€10k▲
Income taxes67/77€3k€3k▼
Profit (loss) for the period9904€6k€7k▲
Profit (loss) for the period to be appropriated9905€6k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€17k▲
Profit (loss) brought forward from the previous period14P€10k€10k=
Transfer to equity691/2€6k€7k▲
To other reserves6921€6k€7k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €7k ▲15.9%
Operating result €10k, net result €7k, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 8.72
Current ratio from 2.20 to 8.72; short-term debt falls from €13k to €3k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-1k ▼684%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €232
Net result €232 after 3 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 26 days late
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Heusden-Zolder · 1 establishment unit since 2011
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.
Bovenstraat 553550 Heusden-ZolderGround area
2,212 m²
Building footprint
268 m²
Volume, LiDAR
1,018 m³
Parcel 71502C0311/00V000, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PASCAL DEFERME
since 20112.204.578.287
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71502C0311/00V000 | Flanders | 2,212 m² | 1 · 268 m² | 6.1 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
EGS TECHNIC
BE 0742.981.990
Ganshoren · Eq €44k
BORRE TECHNICS
BE 0668.370.283
Bekkevoort · Eq €44k
SAN-CV-SOLAR HOORNAERT
BE 0757.523.577
Harelbeke · Eq €44k
Belgian Innovation Group
BE 0471.668.042
Bekkevoort · Eq €43k
Electrical Panel Service
BE 1013.264.077
Balen · Eq €43k
Of 1,123 companies in sector 43212 we hold annual accounts for 420. 348 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-11-2011
Fiscal year end31-12
Activities, NACEBEL
43212Electrical installation work in industrial facilities
43211General electrical installation work
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.