PASCAL SEGERS INTERIEURCONCEPTEN
ActivePASCAL SEGERS INTERIEURCONCEPTEN has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117k and a net result of €2k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 23% of 1994 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▲+44
Solvency44=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.91 against 0.93 in 2024; short-term debt: 59.2% and cash: 6.7% of total assets), and 80.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
19.5%
Return on assets
0.3%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 1994 sector peers (2025).
NBB · sector comparisonPosition among 1994 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 10-04-2026, 20 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
20 d early
2024
1 d early
2023
5 d early
2022
26 d early
2021
33 d early
2020
1 d early
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€117k▲ 1.6%
2024 · €115k
2018: €226k
2019: €95k
2020: €112k
2021: €123k
2022: €147k
2023: €168k
2024: €115k
2018 → 2025
Total assets
€600k▼ 0.7%
2024 · €605k
2018: €717k
2019: €589k
2020: €513k
2021: €585k
2022: €788k
2023: €792k
2024: €605k
2018 → 2025
Net result
€2k
2024 · €-53k
2018: €2k
2019: €5k
2020: €16k
2021: €11k
2022: €25k
2023: €21k
2024: €-53k
2018 → 2025
Working capital
€-31k▼ 38.0%
2024 · €-23k
2018: €78k
2019: €-36k
2020: €-14k
2021: €-62k
2022: €61k
2023: €23k
2024: €-23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€123k-€147k▲ 20.3%€168k▲ 14.2%€115k▼ 31.7%€117k▲ 1.6%
Operating result€29k-€36k▲ 23.9%€33k▼ 8.0%€-39k€15k
Net result€11k-€25k▲ 127%€21k▼ 15.6%€-53k€2k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €15k after a loss of €39k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €600k
Fixed assets
€276k▼ 8.7%
Current assets
€324k▲ 7.3%
Equity and liabilities €600k
Equity
€117k▲ 1.6%
Debt
€484k▼ 1.3%
The debt ratio falls from 81.0% to 80.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€53k▲
2024 · €-2k
Cash flow
€40k▲
2024 · €-17k
Solvency
19.5%▲
2024 · 19.0%
Current ratio
0.91▼
2024 · 0.93
Quick ratio
0.55▲
2024 · 0.52
Debt / equity
4.13▼
2024 · 4.25
ROE
1.6%▲
2024 · -46.3%
ROA
0.3%▲
2024 · -8.8%
Interest coverage
3.97▲
2024 · -0.11
Debt
€484k▼
2024 · €490k
Debt ≤ 1 year
€355k▲
2024 · €325k
Debt > 1 year
€128k▼
2024 · €165k
Income taxes
€759▲
2024 · €0
Staff costs
€151k▼
2024 · €151k
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€605k€600k▼
Fixed assets21/28€303k€276k▼
Tangible fixed assets22/27€302k€276k▼
Land and buildings22€85k€78k▼
Plant, machinery and equipment23€7k€4k▼
Furniture and vehicles24€20k€23k▲
Other tangible fixed assets26€190k€171k▼
Financial fixed assets28€463€463=
Current assets29/58€302k€324k▲
Stocks and contracts in progress3€135k€128k▼
Stocks30/36€135k€128k▼
Amounts receivable within one year40/41€136k€148k▲
Trade receivables40€58k€90k▲
Other amounts receivable41€78k€58k▼
Current investments50/53€4k€4k▲
Cash at bank and in hand54/58€23k€40k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€605k€600k▼
Equity10/15€115k€117k▲
Contributions10/11€13k€13k=
Reserves13€152k€152k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€150k€150k=
Profit (loss) carried forward14€-49k€-48k▲
Amounts payable17/49€490k€484k▼
Amounts payable after more than one year17€165k€128k▼
Financial debts170/4€165k€128k▼
Amounts payable within one year42/48€325k€355k▲
Current portion of amounts payable after more than one year42€49k€45k▼
Financial debts43€125k€125k=
Credit institutions430/8€125k€125k=
Trade debts44€112k€148k▲
Suppliers440/4€112k€148k▲
Taxes, remuneration and social security45€17k€15k▼
Taxes450/3€2k€0▼
Remuneration and social security454/9€15k€15k▼
Other amounts payable47/48€22k€22k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€151k€151k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€38k▲
Other operating charges640/8€2k€15k▲
Non-recurring operating charges66A€519€0▼
Gross operating margin9900€152k€218k▲
Operating profit (loss)9901€-39k€15k▲
Financial income75/76B€3k€762▼
Recurring financial income75€3k€762▼
Financial charges65/66B€18k€13k▼
Recurring financial charges65€18k€13k▼
Profit (loss) for the period before taxes9903€-53k€3k▲
Income taxes67/77€0€759▲
Profit (loss) for the period9904€-53k€2k▲
Profit (loss) for the period to be appropriated9905€-53k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-49k€-48k▲
Profit (loss) brought forward from the previous period14P€4k€-49k▼
Transfer to equity691/2€0-
To other reserves6921€0-
Social balance
Average headcount (FTE)90874.13.3▼
The notes to these accounts (24 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
10-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Weakest financial yearnet €-53k ▼354%
Net result drops to €-53k, the lowest in the series; recovery starts the following year.
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Equity above €150kEq €168k ▲14.2%
6 profitable years in a row build equity to €168k.
04-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Highest result since 2018net €25k ▲127%
Operating result €36k, net result €25k, both a record.
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Equity above €100kEq €112k ▲17%
3 profitable years in a row build equity to €112k.
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
04-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
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
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, Dilsen-Stokkem · 1 establishment unit since 2000
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.
Ondernemerspark 13650 Dilsen-StokkemGround area
2,912 m²
Building footprint
845 m²
Volume, LiDAR
1,067 m³
2 parcels, Flanders · tallest building 5.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PAS INTERIEURCONCEPTEN
since 20002.101.016.337
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72005C0546/00B002 | Flanders | 1,515 m² | 1 · 258 m² | 5.4 m · 1 fl. |
| 72005B1352/00C000 | Flanders | 1,397 m² | 1 · 586 m² | 0.1 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2022 to 2024 · 3 entries · 6,264 EUR awarded · 6,262 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 196 EUR | 196 EUR |
| 2023 | 1 | 1,590 EUR | 1,590 EUR |
| 2022 | 1 | 4,478 EUR | 4,476 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,918 companies in sector 71112 we hold annual accounts for 1,295. 1,045 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-10-2000
Fiscal year end30-09
Activities, NACEBEL
71112Activities of interior architects
47551Retail sale of household furniture
47552Retail sale of lighting equipment
47591Retail trade
47592Retail trade
52441
52442
68310Real estate agency activities
68311Real estate activities
70100Activities of head offices
70311
74152
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.