PASCALE FRANCOIS
ActiveSummary
PASCALE FRANCOIS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €29k and a net result of €20k. Equity is growing by ~36.6% per year across the filed fiscal years. Its solvency ranks better than 40% of 15367 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency74▲+27
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.83 against 1.08 in 2023; short-term debt: 50.7% and cash: 72.1% of total assets), but 50.7% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
49.3%
Return on assets
35%
Age of the figures
21 mo
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 20-06-2025, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
8 d early
2022
31 d early
2021
16 d early
2020
38 d early
2019
8 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€29k▲ 244%
2023 · €8k
2018: €-34k
2019: €-39k
2020: €-15k
2021: €-18k
2022: €-30k
2023: €8k
2018 → 2024
Total assets
€58k▲ 56.4%
2023 · €37k
2018: €94k
2019: €75k
2020: €69k
2021: €45k
2022: €17k
2023: €37k
2018 → 2024
Net result
€20k▼ 46.8%
2023 · €38k
2018: €-14k
2019: €-5k
2020: €24k
2021: €-3k
2022: €-12k
2023: €38k
2018 → 2024
Working capital
€25k▲ 1,022%
2023 · €2k
2018: €3k
2019: €-231
2020: €19k
2021: €-1k
2022: €-31k
2023: €2k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-15k-€-18k▼ 16.8%€-30k▼ 70.8%€8k€29k▲ 244%
Operating result€25k-€-2k€-12k▼ 624%€39k€24k▼ 39.1%
Net result€24k-€-3k€-12k▼ 393%€38k€20k▼ 46.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 39% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €58k
Fixed assets
€4k ▼ 32.7%
Current assets
€54k ▲ 74.1%
Equity and liabilities €58k
Equity
€29k ▲ 244%
Debt
€30k ▲ 2.1%
Debt's share of the balance-sheet total falls from 77.6% to 50.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€26k▼
2023 · €42k
Cash flow
€22k▼
2023 · €41k
Current ratio
1.83▲
2023 · 1.08
Debt to equity
1.03▼
2023 · 3.46
ROE
70.9%▼
2023 · 458.1%
ROA
35.0%▼
2023 · 102.8%
Interest coverage
81.00▲
2023 · 58.59
Debt ≤ 1 year
€30k▲
2023 · €29k
Income taxes
€4k▲
2023 · €187
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 38 lines
Balance sheet
Code20232024
Assets
Total assets20/58€37k€58k▲
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€6k€4k▼
Furniture and vehicles24€6k€4k▼
Current assets29/58€31k€54k▲
Amounts receivable within one year40/41€6k€9k▲
Trade receivables40€6k€9k▲
Current investments50/53€1k€1k=
Cash at bank and in hand54/58€22k€42k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€37k€58k▲
Equity10/15€8k€29k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-6k€14k▲
Amounts payable17/49€29k€30k▲
Amounts payable within one year42/48€29k€30k▲
Current portion of amounts payable after more than one year42€1k-
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€5k€8k▲
Taxes450/3€5k€8k▲
Other amounts payable47/48€20k€19k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€819€282▼
Gross operating margin9900€43k€26k▼
Operating profit (loss)9901€39k€24k▼
Financial income75/76B€7€828▲
Recurring financial income75€7€828▲
Financial charges65/66B€719€320▼
Recurring financial charges65€719€320▼
Profit (loss) for the period before taxes9903€38k€24k▼
Income taxes67/77€187€4k▲
Profit (loss) for the period9904€38k€20k▼
Profit (loss) for the period to be appropriated9905€38k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€14k▲
Profit (loss) brought forward from the previous period14P€-44k€-6k▲
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
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €38k
Net result €38k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.08
Current ratio from 0.32 to 1.08; short-term debt falls from €45k to €29k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €24k
Net result €24k after 2 loss-making years.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
20-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ukkel · 1 establishment unit since 2010
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.
Guido van Arezzoplein 181180 UkkelGround area
514 m²
Building footprint
266 m²
Volume, LiDAR
3,962 m³
Parcel 21612C0001/00D059, Brussels · tallest building 18.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Pascale FRANCOIS
since 20102.195.229.665
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0001/00D059 | Brussels | 513 m² | 1 · 266 m² | 18.6 m · 5 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.
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Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 6,656 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2010
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:pascale.francois@forensis.be