PASCAL T'JONCK
ActivePASCAL T'JONCK has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.65M and a net result of €280k. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 94% of 7692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+3
Solvency100▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 5.51 against 2.06 in 2024; short-term debt: 11% and cash: 30.9% of total assets), and 11% 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
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 · 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
89%
Return on assets
15.1%
Age of the figures
9 mo
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
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
11 d late
2024
10 d early
2023
42 d early
2022
7 d early
2021
18 d late
2020
44 d early
2019
49 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.65M▲ 20.4%
2024 · €1.37M
2018: €580k
2019: €717k
2020: €893k
2021: €1.11M
2022: €1.35M
2023: €1.55M
2024: €1.37M
2018 → 2025
Total assets
€1.86M▼ 4.5%
2024 · €1.95M
2018: €1.29M
2019: €1.52M
2020: €1.62M
2021: €1.76M
2022: €1.97M
2023: €2.08M
2024: €1.95M
2018 → 2025
Net result
€280k▲ 10.7%
2024 · €253k
2018: €145k
2019: €138k
2020: €176k
2021: €214k
2022: €239k
2023: €204k
2024: €253k
2018 → 2025
Working capital
€922k▲ 52.6%
2024 · €605k
2018: €272k
2019: €320k
2020: €409k
2021: €461k
2022: €717k
2023: €1.02M
2024: €605k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.11M-€1.35M▲ 21.6%€1.55M▲ 15.2%€1.37M▼ 11.4%€1.65M▲ 20.4%
Operating result€272k-€323k▲ 18.6%€307k▼ 5.0%€348k▲ 13.5%€377k▲ 8.1%
Net result€214k-€239k▲ 11.7%€204k▼ 14.5%€253k▲ 23.9%€280k▲ 10.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.86M
Fixed assets
€731k▼ 4.9%
Current assets
€1.13M▼ 4.2%
Equity and liabilities €1.86M
Equity
€1.65M▲ 20.4%
Debt
€204k▼ 64.3%
The debt ratio falls from 29.4% to 11.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€442k▲
2024 · €417k
Cash flow
€346k▲
2024 · €322k
Solvency
89.0%▲
2024 · 70.6%
Current ratio
5.51▲
2024 · 2.06
Quick ratio
4.61▲
2024 · 1.85
Debt / equity
0.12▼
2024 · 0.42
ROE
16.9%▼
2024 · 18.4%
ROA
15.1%▲
2024 · 13.0%
Interest coverage
496.03▲
2024 · 43.36
Debt
€204k▼
2024 · €572k
Debt ≤ 1 year
€204k▼
2024 · €572k
Income taxes
€127k▲
2024 · €113k
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€1.95M€1.86M▼
Fixed assets21/28€769k€731k▼
Tangible fixed assets22/27€768k€731k▼
Land and buildings22€708k€676k▼
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€50k€47k▼
Financial fixed assets28€270€270=
Current assets29/58€1.18M€1.13M▼
Stocks and contracts in progress3€116k€184k▲
Stocks30/36€116k€184k▲
Amounts receivable within one year40/41€252k€358k▲
Trade receivables40€241k€341k▲
Other amounts receivable41€11k€17k▲
Cash at bank and in hand54/58€797k€575k▼
Deferred charges and accrued income490/1€12k€11k▼
Equity and liabilities
Total equity and liabilities10/49€1.95M€1.86M▼
Equity10/15€1.37M€1.65M▲
Contributions10/11€25k€25k=
Reserves13€1.35M€1.63M▲
Distributable reserves133€1.35M€1.63M▲
Amounts payable17/49€572k€204k▼
Amounts payable within one year42/48€572k€204k▼
Trade debts44€3k€35k▲
Suppliers440/4€3k€35k▲
Taxes, remuneration and social security45€25k€28k▲
Taxes450/3€25k€28k▲
Other amounts payable47/48€544k€141k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€69k€65k▼
Other operating charges640/8€19k€31k▲
Gross operating margin9900€436k€473k▲
Operating profit (loss)9901€348k€377k▲
Financial income75/76B€28k€31k▲
Recurring financial income75€28k€31k▲
Financial charges65/66B€10k€891▼
Recurring financial charges65€10k€891▼
Profit (loss) for the period before taxes9903€366k€407k▲
Income taxes67/77€113k€127k▲
Profit (loss) for the period9904€253k€280k▲
Profit (loss) for the period to be appropriated9905€253k€280k▲
Appropriation of the result
Profit (loss) to be appropriated9906€253k€280k▲
Transfer from equity791/2€430k-
Transfer to equity691/2€253k€280k▲
To other reserves6921€253k€280k▲
Profit to be distributed694/7€430k-
Return on contributions (dividend)694€430k-
The notes to these accounts (8 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 11 days late
2025
31-12
Financial
Highest result since 2018net €280k ▲10.7%
Operating result €377k, net result €280k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 5.51
Current ratio from 2.06 to 5.51; short-term debt falls from €572k to €204k.
21-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 18 days late
2021
31-12
Financial
Equity above €1MEq €1.11M ▲23.9%
4 profitable years in a row build equity to €1.11M.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €138k ▼4.8%
Net result drops to €138k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 20 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
2017
30-05
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
5 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, Brugge · 2 establishment units since 2007
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.
Koolkerkse Steenweg 898000 BruggeGround area
4,794 m²
Building footprint
1,512 m²
Volume, LiDAR
11,426 m³
2 parcels, Flanders · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Pascal T'Jonck
since 20072.163.465.927
PASCAL T'JONCK
since 20202.297.155.285
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31810N0210/00S000 | Flanders | 4,636 m² | 1 · 1,415 m² | 9.4 m · 3 fl. |
| 31807H0424/00P003 | Flanders | 158 m² | 1 · 97 m² | 10.1 m · 2 fl. |
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 2025 · 3 entries · 588 EUR awarded · 588 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 96 EUR | 96 EUR |
| 2024 | 1 | 423 EUR | 423 EUR |
| 2022 | 1 | 69 EUR | 69 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,362 companies in sector 43110 we hold annual accounts for 632. 262 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-2007
Fiscal year end31-12
Activities, NACEBEL
43110Demolition
45111
41003General construction of other non-residential buildings
43120Site preparation
43130Specialised construction activities
43990Other specialised construction activities
43999Specialised construction activities
45112
45213
45250
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.