PATRICE FENAUX
ActiveThe annual accounts of PATRICE FENAUX for fiscal year 2026 show a net loss of 72% of total assets and of 52% of the equity at the start of that year. The 2026 annual accounts show equity of €12k and a net result of €-13k. Equity is shrinking by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 60% of 94 sector peers (fiscal year 2026). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2026
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability0▼-69
Solvency92▼-7
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 1.6 against 2.07 in 2025; short-term debt: 32.8% and cash: 27.9% of total assets), and 32.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2026Solvency, return and age of the figures
Solvency
67.2%
Return on assets
-71.8%
Age of the figures
5 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2025 and 2026); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2026Net result per financial year
1920212223242526
2019 to 2026 · latest year €-13k
neutral · Latest accounts filed on time
The financial year that closed on 30-04-2026 was due by 30-11-2026 and was filed on 14-09-2026, 77 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
77 d early
2025
67 d early
2024
87 d early
2023
77 d early
2022
63 d early
2021
78 d early
2020
66 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-04-2027 and is due by 30-11-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-04-2027 close30-11-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€12k▼ 51.7%
2025 · €25k
2019: €24k
2020: €28k
2021: €29k
2022: €35k
2023: €30k
2024: €25k
2025: €25k
2019 → 2026
Total assets
€18k▼ 46.5%
2025 · €33k
2019: €48k
2020: €70k
2021: €64k
2022: €61k
2023: €44k
2024: €32k
2025: €33k
2019 → 2026
Net result
€-13k▼ 153,489%
2025 · €-8
2019: €4k
2020: €4k
2021: €2k
2022: €5k
2023: €-4k
2024: €-5k
2025: €-8
2019 → 2026
Working capital
€4k▼ 61.8%
2025 · €9k
2019: €17k
2020: €3k
2021: €1k
2022: €6k
2023: €3k
2024: €2k
2025: €9k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€35k-€30k▼ 12.5%€25k▼ 17.7%€25k=€12k▼ 51.7%
Operating result€6k-€-4k€-5k▼ 22.3%€-220▲ 95.9%€-13k▼ 5,673%
Net result€5k-€-4k€-5k▼ 23.6%€-8▲ 99.8%€-13k▼ 153,489%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2026 against €220 in 2025; the loss grows and 2026 has the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €18k
Fixed assets
€9k▼ 45.7%
Current assets
€9k▼ 47.2%
Equity and liabilities €18k
Equity
€12k▼ 51.7%
Debt
€6k▼ 31.5%
The debt ratio rises from 25.6% to 32.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-6k▼
2025 · €7k
Cash flow
€-6k▼
2025 · €7k
Solvency
67.2%▼
2025 · 74.4%
Current ratio
1.60▼
2025 · 2.07
Quick ratio
1.54▼
2025 · 2.04
Debt / equity
0.49▲
2025 · 0.34
ROE
-107.0%▼
2025 · 0.0%
ROA
-71.8%▼
2025 · 0.0%
Interest coverage
-27.56▼
2025 · 31.86
Debt
€6k▼
2025 · €9k
Debt ≤ 1 year
€6k▼
2025 · €9k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€33k€18k▼
Fixed assets21/28€16k€9k▼
Tangible fixed assets22/27€16k€9k▼
Plant, machinery and equipment23€400€260▼
Furniture and vehicles24€15k€8k▼
Current assets29/58€18k€9k▼
Stocks and contracts in progress3€337€341▲
Stocks30/36€337€341▲
Amounts receivable within one year40/41€2k€3k▲
Trade receivables40€1k€3k▲
Other amounts receivable41€817€543▼
Cash at bank and in hand54/58€15k€5k▼
Deferred charges and accrued income490/1€1k€816▼
Equity and liabilities
Total equity and liabilities10/49€33k€18k▼
Equity10/15€25k€12k▼
Contributions10/11€19k€19k=
Reserves13€13k€13k=
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Tax-exempt reserves132€11k€11k=
Profit (loss) carried forward14€-6k€-19k▼
Amounts payable17/49€9k€6k▼
Amounts payable within one year42/48€9k€6k▼
Trade debts44€4k€357▼
Suppliers440/4€4k€357▼
Other amounts payable47/48€5k€6k▲
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€907€797▼
Gross operating margin9900€8k€-5k▼
Operating profit (loss)9901€-220€-13k▼
Financial income75/76B€429€8▼
Recurring financial income75€429€8▼
Financial charges65/66B€218€200▼
Recurring financial charges65€218€200▼
Profit (loss) for the period before taxes9903€-8€-13k▼
Profit (loss) for the period9904€-8€-13k▼
Profit (loss) for the period to be appropriated9905€-8€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-19k▼
Profit (loss) brought forward from the previous period14P€-6k€-6k▼
The notes to these accounts (4 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 2027, expected by
2026
14-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
30-04
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series.
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
04-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
14-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-04
Financial
Highest result since 2019net €5k ▲237%
Operating result €6k, net result €5k, both a record.
2021
13-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
25-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
13-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
06-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
03-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Gembloux · 1 establishment unit since 2003
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.
Rue de la Maison-d' Orbais, Cor. 175032 GemblouxGround area
243 m²
Building footprint
107 m²
Parcel 92026D0126/00L000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de la Maison-d' Orbais, Cor. 17 A, 5032 Gembloux
since 20032.123.473.718
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92026D0126/00L000 | Wallonia | 243 m² | 1 · 107 m² | - |
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.
Similar companies · same sector, comparable size
CARRELAGES WANGEN
BE 0466.383.621
Stavelot · Eq €12k
Penetron Benelux
BE 0805.320.724
Herentals · Eq €12k
COLISEUM CONSTRUCTION
BE 0799.803.602
Watermaal-Bosvoorde · Eq €12k
TOP HEKWERKEN
BE 1002.129.269
Stekene · Eq €12k
SUPERCERAM
BE 0479.765.562
Sambreville · Eq €12k
Of 1,804 companies in sector 46831 we hold annual accounts for 1,398. 338 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2003
Fiscal year end30-04
Activities, NACEBEL
46831Wholesale of construction materials, general range
51532
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
45332
47521Retail sale of hardware, building materials, paint and glass (general range)
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.