PATERNOSTER SERVICES
ActiveSummary
PATERNOSTER SERVICES has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38k and a net result of €8k. Equity is growing by ~43.6% per year across the filed fiscal years. Its solvency ranks better than 86% of 7058 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability92▼-8
Solvency100=
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 7.26 against 9.46 in 2024; short-term debt: 11.8% and cash: 49.7% of total assets), and 11.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
88.2%
Return on assets
18.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
27 d late
2024
21 d late
2023
21 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€38k▲ 26.0%
2024 · €30k
2023: €12klowest in 3 years
2024: €30k▲ +158% vs 2023
2025: €38k▲ +26.0% vs 2024highest in 3 years
2023 → 2025
Total assets
€43k▲ 31.1%
2024 · €33k
2023: €21klowest in 3 years
2024: €33k▲ +58.7% vs 2023
2025: €43k▲ +31.1% vs 2024highest in 3 years
2023 → 2025
Net result
€8k▼ 57.4%
2024 · €19k
2023: €10k
2024: €19k▲ +90.0% vs 2023highest in 3 years
2025: €8k▼ -57.4% vs 2024lowest in 3 years
2023 → 2025
Working capital
€32k▲ 38.3%
2024 · €23k
2023: €12klowest in 3 years
2024: €23k▲ +96.0% vs 2023
2025: €32k▲ +38.3% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€12k-€30k▲ 158%€38k▲ 26.0%
2023: €12klowest in 3 years
2024: €30k▲ +158% vs 2023
2025: €38k▲ +26.0% vs 2024highest in 3 years
Operating result€17k-€27k▲ 57.9%€14k▼ 48.3%
2023: €17k
2024: €27k▲ +57.9% vs 2023highest in 3 years
2025: €14k▼ -48.3% vs 2024lowest in 3 years
Net result€10k-€19k▲ 90.0%€8k▼ 57.4%
2023: €10k
2024: €19k▲ +90.0% vs 2023highest in 3 years
2025: €8k▼ -57.4% vs 2024lowest in 3 years
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 2025; 2025 is 48% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€6k ▼ 12.8%
Current assets
€37k ▲ 43.4%
Equity and liabilities €43k
Equity
€38k ▲ 26.0%
Debt
€5k ▲ 86.8%
Debt's share of the balance-sheet total rises from 8.2% to 11.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15k▼
2024 · €27k
Cash flow
€9k▼
2024 · €19k
Current ratio
7.26▼
2024 · 9.46
Quick ratio
6.27▼
2024 · 9.46
Debt to equity
0.13▲
2024 · 0.09
ROE
20.7%▼
2024 · 61.2%
ROA
18.2%▼
2024 · 56.1%
Interest coverage
6.09▼
2024 · 8.64
Debt ≤ 1 year
€5k▲
2024 · €3k
Income taxes
€4k▼
2024 · €5k
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 · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€33k€43k▲
Fixed assets21/28€7k€6k▼
Tangible fixed assets22/27€7k€6k▼
Furniture and vehicles24€7k€6k▼
Financial fixed assets28€200€0▼
Current assets29/58€26k€37k▲
Stocks and contracts in progress3-€5k
Stocks30/36-€5k
Amounts receivable within one year40/41€12k€7k▼
Trade receivables40€8k€7k▼
Other amounts receivable41€5k€94▼
Cash at bank and in hand54/58€11k€22k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€33k€43k▲
Equity10/15€30k€38k▲
Contributions10/11€2k€2k=
Reserves13€10k€10k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€19k€26k▲
Amounts payable17/49€3k€5k▲
Amounts payable within one year42/48€3k€5k▲
Financial debts43€153€0▼
Credit institutions430/8€153€0▼
Trade debts44€178€2k▲
Suppliers440/4€178€2k▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€600€871▲
Income statement
Code20242025
Non-recurring operating income76A-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€251€730▲
Other operating charges640/8€536€2k▲
Gross operating margin9900€28k€17k▼
Operating profit (loss)9901€27k€14k▼
Financial income75/76B€0€213▲
Recurring financial income75€0€213▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€24k€12k▼
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€19k€8k▼
Profit (loss) for the period to be appropriated9905€19k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€26k▲
Profit (loss) brought forward from the previous period14P-€19k
Transfer to equity691/2€0-
To the legal reserve6920€0-
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €1k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €251 | €730 | ▲ 190% |
| Other operating charges640/8 | €3k | €536 | €2k | ▲ 344% |
| Gross operating margin9900 | €24k | €28k | €17k | ▼ 38.6% |
| Operating profit (loss)9901 | €17k | €27k | €14k | ▼ 48.3% |
| Financial income75/76B | €97 | €0 | €213 | - |
| Recurring financial income75 | €97 | €0 | €213 | - |
| Financial charges65/66B | €3k | €3k | €2k | ▼ 23.5% |
| Recurring financial charges65 | €3k | €3k | €2k | ▼ 23.5% |
| Profit (loss) for the period before taxes9903 | €14k | €24k | €12k | ▼ 50.7% |
| Income taxes67/77 | €5k | €5k | €4k | ▼ 27.3% |
| Profit (loss) for the period9904 | €10k | €19k | €8k | ▼ 57.4% |
| Profit (loss) for the period to be appropriated9905 | €10k | €19k | €8k | ▼ 57.4% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €21k | €33k | €43k | ▲ 31.1% |
| Fixed assets21/28 | - | €7k | €6k | ▼ 12.8% |
| Tangible fixed assets22/27 | - | €7k | €6k | ▼ 10.4% |
| Furniture and vehicles24 | - | €7k | €6k | ▼ 10.4% |
| Financial fixed assets28 | - | €200 | €0 | ▼ 100% |
| Current assets29/58 | €21k | €26k | €37k | ▲ 43.4% |
| Stocks and contracts in progress3 | - | - | €5k | - |
| Stocks30/36 | - | - | €5k | - |
| Amounts receivable within one year40/41 | €15k | €12k | €7k | ▼ 44.6% |
| Trade receivables40 | €8k | €8k | €7k | ▼ 13.2% |
| Other amounts receivable41 | €6k | €5k | €94 | ▼ 98.0% |
| Cash at bank and in hand54/58 | €4k | €11k | €22k | ▲ 105% |
| Deferred charges and accrued income490/1 | €2k | €3k | €3k | ▲ 25.3% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €21k | €33k | €43k | ▲ 31.1% |
| Equity10/15 | €12k | €30k | €38k | ▲ 26.0% |
| Contributions10/11 | €2k | €2k | €2k | = |
| Reserves13 | €10k | €10k | €10k | = |
| Distributable reserves133 | €10k | €10k | €10k | = |
| Profit (loss) carried forward14 | - | €19k | €26k | ▲ 42.6% |
| Amounts payable17/49 | €9k | €3k | €5k | ▲ 86.8% |
| Amounts payable within one year42/48 | €9k | €3k | €5k | ▲ 86.8% |
| Financial debts43 | - | €153 | €0 | ▼ 100% |
| Credit institutions430/8 | - | €153 | €0 | ▼ 100% |
| Trade debts44 | €77 | €178 | €2k | ▲ 917% |
| Suppliers440/4 | €77 | €178 | €2k | ▲ 917% |
| Taxes, remuneration and social security45 | €9k | €2k | €2k | ▲ 34.2% |
| Taxes450/3 | €9k | €2k | €2k | ▲ 34.2% |
| Other amounts payable47/48 | - | €600 | €871 | ▲ 45.2% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €10k | €19k | €8k | ▼ 57.4% |
| + Depreciation and write-downs630 | €4k | €251 | €730 | ▲ 190% |
| Operating cash flow (approximation) | €14k | €19k | €9k | ▼ 54.1% |
| Investment in fixed assets (approximation) | - | - | €200 | - |
| Change in cash | - | €7k | €11k | ▲ 64.8% |
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €8k ▼57.4%
Net result drops to €8k, the lowest in the series.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Highest result since 2023net €19k ▲90%
Operating result €27k, net result €19k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 9.46
Current ratio from 2.30 to 9.46; short-term debt falls from €9k to €3k.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Erquelinnes · 1 establishment unit since 2022
Ground area
533 m²
Building footprint
136 m²
Volume, LiDAR
752 m³
Parcel 56031B0610/00C000, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PATERNOSTER SERVICES
since 20222.340.032.948
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56031B0610/00C000 | Wallonia | 533 m² | 1 · 136 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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
9845001QCU59711A9847
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Of 13,417 companies in sector 73300 we hold annual accounts for 6,898. 5,338 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
Founded14-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
46180Agents specialised in the wholesale of other particular products
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
70200Business and other management consultancy
85599Other education
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
95316Washing and cleaning of motor vehicles
Scores and ratios are computed by Checked and are not a credit decision.