Summary
PASCOLI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €872,540 and a net result of €125,022. Equity is growing by ~10.6% per year across the filed fiscal years. The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 24-06-2026, 37 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
37 d early
2024
59 d early
2023
26 d early
2022
3 d early
2021
10 d late
2020
31 d late
2019
26 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 8 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 6 July (4 of the last 5 filed years within 34 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema
Equity
€872,540▲ 12.2%
2023 · €777,519
Net result
€125,022▼ 22.3%
2023 · €161,003
Total assets
€1.0m▲ 10.3%
2023 · €935,057
Solvency
84.6%▲ 1.4pp
2023 · 83.2%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€2,646▼ 97.8%€142,455▲ 5,283%€130,265▼ 8.6%€221,888▲ 70.3%€176,152▼ 20.6%
Net result-€22,844below the sector's middle half€94,924above the sector's middle half€90,569above the sector's middle half▼ 4.6%€161,003above the sector's middle half▲ 77.8%€125,022above the sector's middle half▼ 22.3%
Equity€547,023above the sector's middle half▼ 4.0%€641,947above the sector's middle half▲ 17.4%€732,515above the sector's middle half▲ 14.1%€777,519above the sector's middle half▲ 6.1%€872,540above the sector's middle half▲ 12.2%
Total assets€733,884above the sector's middle half▼ 5.1%€807,198above the sector's middle half▲ 10.0%€885,622above the sector's middle half▲ 9.7%€935,057above the sector's middle half▲ 5.6%€1.0mabove the sector's middle half▲ 10.3%
Debt€186,861▼ 8.2%€165,252▼ 11.6%€153,107▼ 7.3%€157,538▲ 2.9%€158,869▲ 0.8%
Working capital€529,985above the sector's middle half▼ 5.5%€613,675above the sector's middle half▲ 15.8%€715,805above the sector's middle half▲ 16.6%€770,982above the sector's middle half▲ 7.7%€867,636above the sector's middle half▲ 12.5%
Solvency74.5%above the sector's middle half▲ 0.9pp79.5%above the sector's middle half▲ 5.0pp82.7%above the sector's middle half▲ 3.2pp83.2%above the sector's middle half▲ 0.4pp84.6%above the sector's middle half▲ 1.4pp
Current ratio4.27above the sector's middle half▼ 0.314.71above the sector's middle half▲ 0.445.68above the sector's middle half▲ 0.965.89above the sector's middle half▲ 0.226.48above the sector's middle half▲ 0.58
Return on assets (ROA)-3.1%below the sector's middle half▼ 15.4pp11.8%within the sector's middle half▲ 14.9pp10.2%within the sector's middle half▼ 1.5pp17.2%within the sector's middle half▲ 7.0pp12.1%within the sector's middle half▼ 5.1pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
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 21% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.0m
Fixed assets
€5,368 ▼ 17.9%
Current assets
€1.0m ▲ 10.5%
Equity and liabilities €1.0m
Equity
€872,540 ▲ 12.2%
Debt
€158,869 ▲ 0.8%
Debt's share of the balance-sheet total falls from 16.8% to 15.4%. Equity and debt are higher.
Key figures and ratios
ROE
14.3%▼
2023 · 20.7%
Debt ≤ 1 year
€158,406▲
2023 · €157,538
Income taxes
€58,660▼
2023 · €63,676
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,936 | €14,808 | €13,907 | €14,304 | €2,294 | ▼ 84.0% |
| Other operating charges640/8 | - | €1,267 | €561 | €1,084 | €1,470 | ▲ 35.6% |
| Non-recurring operating charges66A | - | €1,746 | €0 | - | €5,348 | - |
| Gross operating margin9900 | €94,365 | €160,275 | €144,734 | €237,276 | €185,264 | ▼ 21.9% |
| Operating profit (loss)9901 | €2,646 | €142,455 | €130,265 | €221,888 | €176,152 | ▼ 20.6% |
| Financial income75/76B | - | €999 | €4,747 | €3,479 | €8,298 | ▲ 139% |
| Recurring financial income75 | €1,776 | €999 | €4,747 | €3,479 | €8,298 | ▲ 139% |
| Financial charges65/66B | - | €1,524 | €965 | €688 | €768 | ▲ 11.7% |
| Recurring financial charges65 | €1,699 | €1,524 | €965 | €688 | €768 | ▲ 11.7% |
| Profit (loss) for the period before taxes9903 | €2,723 | €141,930 | €134,048 | €224,679 | €183,682 | ▼ 18.2% |
| Income taxes67/77 | €25,567 | €47,006 | €43,479 | €63,676 | €58,660 | ▼ 7.9% |
| Profit (loss) for the period9904 | -€22,844 | €94,924 | €90,569 | €161,003 | €125,022 | ▼ 22.3% |
| Profit (loss) for the period to be appropriated9905 | -€22,844 | €94,924 | €90,569 | €161,003 | €125,022 | ▼ 22.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €733,884 | €807,198 | €885,622 | €935,057 | €1.0m | ▲ 10.3% |
| Fixed assets21/28 | €41,784 | €28,271 | €16,711 | €6,537 | €5,368 | ▼ 17.9% |
| Tangible fixed assets22/27 | €41,784 | €28,271 | €16,711 | €6,537 | €4,243 | ▼ 35.1% |
| Plant, machinery and equipment23 | - | €962 | €568 | €173 | €65 | ▼ 62.7% |
| Furniture and vehicles24 | - | €27,309 | €16,143 | €6,364 | €4,178 | ▼ 34.3% |
| Financial fixed assets28 | €0 | - | - | €0 | €1,125 | - |
| Current assets29/58 | €692,099 | €778,927 | €868,912 | €928,520 | €1.0m | ▲ 10.5% |
| Amounts receivable within one year40/41 | €251,929 | €245,875 | €249,276 | €260,826 | €278,969 | ▲ 7.0% |
| Other amounts receivable41 | - | €245,875 | €249,276 | €260,826 | €278,969 | ▲ 7.0% |
| Current investments50/53 | €94,243 | €154,656 | €184,654 | €484,654 | €34,658 | ▼ 92.8% |
| Cash at bank and in hand54/58 | €345,018 | €378,254 | €432,956 | €180,625 | €710,348 | ▲ 293% |
| Deferred charges and accrued income490/1 | - | €141 | €2,026 | €2,415 | €2,067 | ▼ 14.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €733,884 | €807,198 | €885,622 | €935,057 | €1.0m | ▲ 10.3% |
| Equity10/15 | €547,023 | €641,947 | €732,515 | €777,519 | €872,540 | ▲ 12.2% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €76,072 | €166,072 | €256,072 | €301,072 | €396,072 | ▲ 31.6% |
| Non-distributable reserves130/1 | - | €16,072 | €16,072 | - | - | - |
| Reserves not available under the articles1311 | - | €16,072 | €16,072 | - | - | - |
| Distributable reserves133 | - | €150,000 | €240,000 | €301,072 | €396,072 | ▲ 31.6% |
| Profit (loss) carried forward14 | €452,350 | €457,274 | €457,843 | €457,846 | €457,868 | = |
| Amounts payable17/49 | €186,861 | €165,252 | €153,107 | €157,538 | €158,869 | ▲ 0.8% |
| Amounts payable after more than one year17 | €24,747 | - | - | - | - | - |
| Amounts payable within one year42/48 | €162,115 | €165,252 | €153,107 | €157,538 | €158,406 | ▲ 0.6% |
| Current portion of amounts payable after more than one year42 | - | €24,747 | €1,925 | - | - | - |
| Financial debts43 | - | €1,419 | €2,307 | €381 | €1,062 | ▲ 179% |
| Credit institutions430/8 | - | €1,419 | €2,307 | €381 | €1,062 | ▲ 179% |
| Trade debts44 | €571 | €2,335 | €1,197 | €1,813 | €2,178 | ▲ 20.1% |
| Suppliers440/4 | - | €2,335 | €1,197 | €1,813 | €2,178 | ▲ 20.1% |
| Taxes, remuneration and social security45 | - | €25,214 | €26,244 | €2,358 | €2,229 | ▼ 5.5% |
| Taxes450/3 | - | €25,214 | €26,244 | €2,358 | €2,229 | ▼ 5.5% |
| Other amounts payable47/48 | - | €111,537 | €121,435 | €152,986 | €152,937 | = |
| Accrued charges and deferred income492/3 | - | - | - | - | €463 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€22,844 | €94,924 | €90,569 | €161,003 | €125,022 | ▼ 22.3% |
| + Depreciation and write-downs630 | €14,936 | €14,808 | €13,907 | €14,304 | €2,294 | ▼ 84.0% |
| Operating cash flow (approximation) | -€7,908 | €109,732 | €104,476 | €175,308 | €127,316 | ▼ 27.4% |
| Investment in fixed assets (approximation) | - | -€1,295 | -€2,346 | -€4,131 | -€1,125 | ▲ 72.8% |
| Change in cash | - | €33,237 | €54,702 | -€252,331 | €529,723 | ▲ 310% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €161,003 ▲77.8%
Operating result €221,888, net result €161,003, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
31-12
Financial
Back to profitnet €94,924
Net result €94,924 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet -€22,844
Net result drops to -€22,844, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Equity above €500,000Eq €569,866 ▲19.9%
2 profitable years in a row build equity to €569,866.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Hamois · 1 establishment unit since 2003
Ground area
884 m²
Building footprint
261 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
FORTIS
since 20032.132.745.136
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91064E0043/00K000 | Wallonia | 453 m² | 1 · 162 m² | - |
| 91116A0205/00E000 | Wallonia | 431 m² | 1 · 99 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
9845006E1B87HEEDA396
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 901 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-07-2003
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0859562035
Registered
29-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.