Losses
-€50,047 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Pascal Laffineur
Lifetime
18 annual accounts with figures on one time axispeak €777,226 (2023)
€27,558▲ 11.0%
lowest -€38,432 (2024)
-€11,615▲ €26,817
peak €1.0m (2023)
€856,444▼ 1.3%
€611,406▼ 30.0%
Board1 name since 2007
1 directorPascal Laffineur
Documentsfilings and deeds
01-07-202630 days before the deadline
2025micro format
Loss of €11,615Debts from €872,899 to €611,406
Key points
from the 2025 annual accountsFilings
18 annual accounts since 2008
Five of the last ten came late. The 2019 accounts came latest: 74 days after the end of the period.
Position in the sector
-€11,615
Lower net result than 87% of companies in advertising and market research. Sector median €14,813 · 8,612 companies.
Checked score
93
Excellent
Financially stronger than 43% of micro companies in advertising and market research (NACE 73)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 11,229 companies (NACE 73, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: 0.1%▲ +0.1 percentage points vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.2%▲ +0.1 percentage points vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026highest value
08-2026: 0.1%▼ -0.1 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Loss of €11,615, the second in a row (financial year 2025)
lowers risk
Size: total assets €1.5m
Figures for financial year 2025 (filed on 01-07-2026)
Founded in 2007
Calculation
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 73, micro). It does better than 56% of them on solvency, 51% on liquidity, 26% on profitability and 40% on growth.
The bankruptcy probability was computed on 07-11-2026 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 31-12-2025.
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).
Comparable companies, two years later
In July 2024, 2,686 companies had the same profile as Pascal Laffineur has now. Each dot stands for 7 companies, two years later.
93.7%
were still trading
5.4%
stopped another way
0.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Pascal Laffineur itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 2,686 companies, not a prediction for Pascal Laffineur. 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.
Credit verdict
Credit of up to €75,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.83 (0.74 in 2024), below 1. Short-term debt is 13.6% and cash 8.7% of total assets. 41.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€11,615
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 days early
2024
30 days early
2023
29 days late
2022
68 days late
2021
24 days early
2020
11 days early
2019
74 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 11 days after the deadline. In the sector (NACE 73), the median for financial year 2024 was 6 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 7 July (4 of the last 5 accounts filed within 54 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0891028241
Change of role: Pascal Laffineur, from manager to director
“Cours,formations,coaching,événements,salons,conférences,réunions,séminaires,soirées,incentive,réception,activi…” (deed in French) · Legal-form conversion: from private limited company (pre-2019) to private limited company · Director discharge: Pascal Laffineur (manager) · Gazette deed
First establishment
Rue du Prieuré 6, Perwez
Incorporation
published on 01-08-2007 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Pascal Laffineur Perwez | €1.5m | €27,558 | 58.3% | - |
| AA+ Waterloo | €1.8m | €25,769 | 42.9% | - |
| VAN SANDE CONSULT & C° Knokke-Heist | €1.3m | €26,139 | 8.4% | - |
| Rovamox Kluisbergen | €1.4m | €34,358 | 59.0% | 0 |
| LACROIX MANAGEMENT Maasmechelen | €1.4m | €21,136 | 87.1% | - |
| HARLEKIJN Antwerp | €1.4m | €40,678 | 40.5% | - |
| VALUESELLING Riemst | €2.0m | €25,711 | 89.4% | - |
These companies have the same main activity as Pascal Laffineur: public relations and communication consultancy (NACE 73300). They are comparable in size and age: total assets between €1.3m and €2m, founded between 2003 and 2010.
Official details
Source: KBO- Status
- Active since 20-07-2007Normal situation
- Activity
- Public relations and communication consultancyNACE 73300
- Establishment unit
- 2.164.177.3911360 Perwez, since 03-08-2007
- Financial year end
- 31 December
- Peppol
- Reachable since 16-09-2025
Annual accounts 2025
- ≈ €73,000estimated
- €1.5m▼ 15.7%
- Filing
- Filed on 01-07-2026, 30 days before the end of the filing period
Insights on Pascal Laffineur
Pascal Laffineur files the micro format. That format states no turnover. The gross margin fell from €52,972 in 2008 to €27,558 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Pascal Laffineur
- What is the company number of Pascal Laffineur?
- The company number of Pascal Laffineur is 0891.028.241. The VAT number is the same number with BE in front: BE 0891.028.241.
- Where is Pascal Laffineur based?
- The registered office is at Rue du Prieuré 6, 1360 Perwez.Company details
- What does Pascal Laffineur do?
- According to the KBO register, the main activity is public relations and communication consultancy (NACE 73300).
- What is the legal form of Pascal Laffineur?
- Pascal Laffineur is a private limited company (BV).
- When was Pascal Laffineur founded?
- Pascal Laffineur was founded on 20-07-2007.
- Is Pascal Laffineur still active?
- Yes, Pascal Laffineur is an active enterprise in the KBO register.
- What is the turnover of Pascal Laffineur?
- The turnover in financial year 2025 is ≈ €73,000. This figure is estimated from the gross margin of €27,558 and 44 comparable companies (NACE 73). It probably lies between €50,000 and €98,000.Financials
- Is Pascal Laffineur profitable?
- In financial year 2025, Pascal Laffineur made a loss of €11,615.
- Where can I find the annual accounts of Pascal Laffineur?
- Pascal Laffineur filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Pascal Laffineur due?
- Pascal Laffineur must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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