Patrick

Active Private limited companyfounded 2019active for 7 yearsKarel Boomstraat 60, 2320 HoogstratenKBO/BCE: BE 0721.654.858

Patrick

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Overview

Lifetime

7 annual accounts with figures on one time axis

Compare with

peak €63,549 (2023)

€54,990▼ 8.7%

peak €29,860 (2023)

€6,456▼ 68.2%

peak €106,122 (2024)

€92,578▼ 12.8%

€146,298▼ 15.2%

Board1 name since 2021

1 directorGafita Petrica

Documentsfilings and deeds

29-06-202632 days before the deadline

2025micro format

Result from €20,312 to €6,456Dividend €20,000Equity from €106,122 to €92,578Debts from €172,534 to €146,298Cash from €11,293 to €17,869

Key points

from the 2025 annual accounts

Equity

€92,578 ▼ 12.8%

Patrick paid out €20,000 in dividends. That is 310% of the 2025 profit.

Turnover

≈ €290,000 estimated

The micro format states no turnover.

Filings

7 annual accounts 1 late

The 2022 accounts came 21 days late. The other six were filed on time.

Checked score

Fair

Financially stronger than 38% of micro companies in construction of buildings (NACE 41)

Probability in this band: 1.5% to 4.2%

Bankruptcy probability within 12 months 1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 2.1% 01-2025: 2.1%● unchanged vs 12-2024 02-2025: 2.1%● unchanged vs 01-2025 03-2025: 2.1%● unchanged vs 02-2025 04-2025: 2.3%▲ +0.2 percentage points vs 03-2025 05-2025: 2.3%● unchanged vs 04-2025 06-2025: 1.9%▼ -0.4 percentage points vs 05-2025 07-2025: 2.1%▲ +0.2 percentage points vs 06-2025 08-2025: 1.9%▼ -0.2 percentage points vs 07-2025 09-2025: 1.9%● unchanged vs 08-2025 10-2025: 1.9%● unchanged vs 09-2025 11-2025: 1.9%● unchanged vs 10-2025 12-2025: 1.9%● unchanged vs 11-2025 01-2026: 1.9%● unchanged vs 12-2025 02-2026: 1.9%● unchanged vs 01-2026 03-2026: 1.9%● unchanged vs 02-2026 04-2026: 2.1%▲ +0.2 percentage points vs 03-2026 05-2026: 2.1%● unchanged vs 04-2026 06-2026: 2.0%▼ -0.1 percentage points vs 05-2026 07-2026: 2.2%▲ +0.2 percentage points vs 06-2026 08-2026: 2.4%▲ +0.2 percentage points vs 07-2026 09-2026: 2.4%● unchanged vs 08-2026highest value 10-2026: 1.7%▼ -0.7 percentage points vs 09-2026lowest value 11-2026: 1.7%● unchanged vs 10-2026lowest value

Financial strength

Average

64+1equity 38.8% of total assets

48=short-term debt 28.1% · cash 7.5%

66-12return on assets 2.7%

Score breakdown

raises risk

Sector: Construction of residential and non-residential buildings (NACE 41)

Founded in 2019

Size: total assets €238,876

lowers risk

Figures for financial year 2025 (filed on 29-06-2026)

Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 46% of them on solvency, 47% on liquidity, 37% on profitability and 23% on growth.

The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 5,047 companies had the same profile as Patrick has now. Each dot stands for 13 companies, two years later.

94.0%

were still trading

3.8%

stopped another way

2.2%

went bankrupt

Micro
5 to 10 years old
solvency 30% or more
a profit under 5% of the balance sheet

That fits the bankruptcy probability of Patrick itself: 1.7% within 12 months.

Test of the method

The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group	Expected	Actual
1	0.2%	0.2%
2	0.3%	0.5%
3	0.5%	0.6%
4	0.7%	0.8%
5	0.9%	0.9%
6	1.3%	1.5%
7	1.6%	1.8%
8	1.8%	1.8%
9	3.0%	3.1%
10	5.6%	6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 5,047 companies, not a prediction for Patrick. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €4,500 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 1.86 (2.15 in 2024), above the usual 1.5. Short-term debt is 28.1% and cash 7.5% of total assets. However, 61.2% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.

lowers riskraises riskneutral

Sector: Construction of residential and non-residential buildings (NACE 41)

KBO

Founded in 2019

Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.

KBO

Size: total assets €238,876

Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.

NBB · annual accounts

Figures for financial year 2025 (filed on 29-06-2026)

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.

NBB · 7 filings

Deviation from the deadline

2025

32 days early

2024

7 days early

2023

48 days early

2022

21 days late

2021

54 days early

2020

39 days early

2019

32 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 27 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 June (4 of the last 5 accounts filed within 30 days either side of that date).

Companies Code · seven months

Where today falls in the filing period

09-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

That holds for every publication since 2021.

KBO publications

Board and ownership

Gafita Petrica

Director

Shares in 1 company, BEEINVEST

Board & ownership

Recent changes

08-04-2025

Registered in the Peppol Directory Reachable for e-invoices through 0208:0721654858

21-09-2023

Legal-form change · Resignations & appointments General meeting of 18-09-2023 · Gazette deed

08-07-2019

General meeting of 12-04-2019 Gazette deed

27-02-2019

Incorporation published on 01-03-2019 · Gazette deed

All 15 events

Comparable companies

same main activity, similar in size and age

Company
Patrick Hoogstraten	€238,876	€54,990	38.8%	-
STERCKX DIEGO Ranst	€234,278	€54,024	65.4%	-
E&S construct Balen	€241,121	€66,597	39.0%	-
GK-Construct Heist-op-den-Berg	€285,254	€51,170	18.4%	-
TVDM Grond & Groen Bornem	€232,848	€47,800	51.0%	-
K-Line Antwerp	€244,392	€43,886	45.4%	-
D & L renovatiewerken Antwerp	€247,920	€45,293	88.3%	-

These companies have the same main activity as Patrick: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €233,000 and €285,000, founded between 2018 and 2020.

Official details

Source: KBO

Status: Active since 27-02-2019Normal situation
Activity: General construction of residential buildingsNACE 41001and 1 other
Establishment unit: 2.285.908.7302320 Hoogstraten, since 27-02-2019
Financial year end: 31 December
Peppol: Reachable since 08-04-2025

Company details

Annual accounts 2025

: €54,990▼ 8.7%
: €6,456▼ 68.2%
: €92,578▼ 12.8%
: €238,876▼ 14.3%
Filing: Filed on 29-06-2026, 32 days before the end of the filing period

Financials

Insights on Patrick

Patrick files the micro format. That format states no turnover. The gross margin rose from €48,193 in 2019 to €54,990 in 2025.

The balance sheet grew most from 2022 to 2024 through fixed assets, financed with long-term debt.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 29-06-2026, 32 days before the deadline

€54,990

▼ 8.7%

€15,999

▼ 43.7%

€6,456

▼ 68.2%

€57,763

▼ 16.4%

38.8%

▲ 0.7 percentage points

1.86

▼ 0.29

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €290,000. Estimated: probably between €210,000 and €470,000.

Balance sheet

balance sheet total €238,876 on 31-12-2025

What the company ownsHow it is paid for

in euro

Position in the sector

Compare with sector

38.8%

Higher than 46% of 9,452 companies in 2025.

1.86

Higher than 54% of 9,200 companies in 2025.

2.7%

Higher than 37% of 9,272 companies in 2025.

Patrick Middle half of the sector 80% of the sector Micro accounts in construction of buildings (NACE 41)

Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it

Line	2025	2024	2023	2022	2021	2020	2019
Balance sheet: assets
`20/58`	238,876	278,656	198,267	150,986	115,722	71,233	86,752
`20`	-	-	-	-	-	0	-
`21/28`	113,938	149,234	57,172	16,933	20,095	29,932	41,910
`21`	4,625	6,125	7,625	9,125	10,625	12,125	13,625
`22/27`	107,813	141,609	48,547	6,808	8,470	16,807	28,285
`23`	66,474	77,475	8,199	5,943	5,323	4,394	6,521
`24`	41,339	64,133	40,347	865	3,147	12,414	21,681
`26`	-	-	-	-	-	-	83
`28`	1,500	1,500	1,000	1,000	1,000	1,000	-
`29/58`	124,938	129,423	141,095	134,053	95,627	41,301	44,841
`3`	26,943	10,535	12,655	12,340	15,037	-	-
`30/36`	5,533	5,125	5,355	6,140	5,012	-	-
`37`	21,410	5,410	7,300	6,200	10,025	-	-
`40/41`	77,866	105,609	97,547	96,299	63,459	36,314	41,814
`40`	13,737	62,971	37,347	46,805	27,465	8,053	31,161
`41`	64,129	42,639	60,200	49,495	35,994	28,261	10,653
`54/58`	17,869	11,293	13,914	21,971	14,474	2,332	1,089
`490/1`	2,260	1,986	16,979	3,442	2,656	2,654	1,938
Balance sheet: equity and liabilities
`10/49`	238,876	278,656	198,267	150,986	115,722	71,233	86,752
`10/15`	92,578	106,122	105,810	87,564	65,370	44,749	29,606
`10/11`	20,000	20,000	20,000	6,614	6,614	6,614	6,614
`100`	-	-	-	-	-	-	20,000
`101`	-	-	-	-	-	-	13,386
`13`	72,578	86,122	85,810	80,950	58,756	38,135	22,992
`133`	72,578	86,122	85,810	80,950	58,756	38,135	22,992
`14`	0	0	0	-	-	-	-
`17/49`	146,298	172,534	92,457	63,421	50,352	26,484	57,146
`17`	79,123	112,201	17,848	2,752	6,168	0	12,000
`170/4`	79,123	112,201	17,848	2,752	6,168	0	12,000
`42/48`	67,175	60,334	74,608	49,169	44,184	26,484	45,146
`42`	20,573	25,135	7,918	3,416	3,289	-	-
`44`	24,747	13,907	41,376	35,609	35,745	13,483	19,710
`440/4`	24,747	13,907	41,376	35,609	35,745	13,483	19,710
`46`	-	-	-	-	-	0	5,516
`45`	4,855	3,442	314	10,145	5,150	9,477	11,462
`450/3`	4,855	3,442	314	10,145	5,150	9,477	7,462
`454/9`	-	-	-	-	-	0	4,000
`47/48`	17,000	17,850	25,000	-	0	3,525	8,458
`492/3`	-	-	0	11,500	-	-	-
Income statement
`76A`	0	9,500	1,185	-	-	-	-
`9900`	54,990	60,252	63,549	41,003	42,251	35,238	48,193
`630`	30,963	26,147	12,044	7,013	13,388	12,978	12,738
`640/8`	3,078	5,680	4,206	3,520	1,316	2,029	1,338
`66A`	4,949	-	-	-	-	-	-
`9901`	15,999	28,424	47,299	30,470	27,548	20,231	34,117
`75/76B`	2,010	3,024	1,409	1,499	1,257	926	22
`75`	2,010	3,024	1,409	1,499	1,257	926	22
`65/66B`	8,875	4,484	8,880	2,233	2,492	1,811	135
`65`	8,875	4,484	8,880	2,233	1,992	1,587	135
`66B`	-	-	-	0	500	224	-
`9903`	9,134	26,965	39,828	29,736	26,313	19,346	34,003
`67/77`	2,679	6,653	9,968	7,542	5,692	4,203	6,012
`9904`	6,456	20,312	29,860	22,194	20,621	15,143	27,992
`9905`	6,456	20,312	29,860	22,194	20,621	15,143	27,992
Appropriation of the result
`9906`	6,456	20,312	29,860	22,194	20,621	15,143	27,992
`791/2`	20,000	-	-	-	-	-	-
`691/2`	6,456	312	4,860	22,194	20,621	15,143	22,992
`6921`	6,456	312	4,860	22,194	20,621	15,143	22,992
`694/7`	20,000	20,000	25,000	-	-	0	5,000
`694`	20,000	20,000	-	-	-	-	-
`695`	-	-	24,000	-	-	0	5,000
`697`	-	-	1,000	-	-	-	-
Document	PDF	PDF	PDF	PDF	PDF	PDF	PDF

The notes to these accounts have 17 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 29-06-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

Financial year	Type	Filed	Reference	Document
31-12-2025	micro format	29-06-2026	2026-00214377	PDF
31-12-2024	micro format	24-07-2025	2025-00302228	PDF
31-12-2023	micro format	13-06-2024	2024-00126109	PDF
31-12-2022	micro format	21-08-2023	2023-00337239	PDF
31-12-2021	micro format	07-06-2022	2022-20048313	PDF
31-12-2020	micro format	22-06-2021	2021-23700323	PDF
31-12-2019	micro format	29-06-2020	2020-21500115	PDF

Key figures and ratios

per financial year, computed from the annual accounts

2025	2024	2023	2022	2021	2020	2019
46,962	54,572	59,344	37,482	40,935	33,209	46,855
37,418	46,459	41,905	29,207	34,009	28,121	40,730
43,617	145,332	52,950	3,850	3,550	1,000	54,648
6,576	-2,621	-8,057	7,497	12,142	1,243	-
57,763	69,089	66,487	84,884	51,442	14,816	-305
38.8%	38.1%	53.4%	58.0%	56.5%	62.8%	34.1%
1.86	2.15	1.89	2.73	2.16	1.56	0.99
1.46	1.97	1.72	2.48	1.82	1.56	0.99
1.58	1.63	0.87	0.72	0.77	0.59	1.93
7.0%	19.1%	28.2%	25.3%	31.5%	33.8%	94.5%
2.7%	7.3%	15.1%	14.7%	17.8%	21.3%	32.3%
5.29	12.17	6.68	16.79	20.55	-	-

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired

Item	2025	2024	2023	2022	2021
Tangible fixed assets	€43,617	€144,832	€52,950	€3,850	€3,550
Financial fixed assets	€0	€500	-	-	-
	€30,963	€26,147	€12,044	€7,013	€13,388

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on Patrick

The operating result for 2025 is 44% lower than in 2024 and the lowest since 2019. It is the second fall in a row.

Debt's share of the balance-sheet total falls from 61.9% to 61.2%. Equity and debt are lower.

Board & ownership

Board

1 director

Gafita Petrica

Director

listed in the 2025 annual accounts, filed on 29-06-2026

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today

Gafita Petrica
Director

Boardmandate already running before its first mention

Mandates as a list

Gafita Petrica
- Director, since before 31-12-2021

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution: €20,000
Source: 2025 annual accounts

Network & group

At the same address

Karel Boomstraat 60, 2320 Hoogstraten · 1 other company

BEEINVEST

registered office since 11-02-2022

founded in 2022

0781.860.976

Holdings and subsidiaries

1 holding

BEEINVEST
Sourcedeed 29-10-2026

share not stated

Board mandates elsewhere

1 board mandate

Board mandates of PatrickPatrick sits on their board1

Little Bee Store

Director

Founded in 2022

Connections & network

1 current director

Depth

The board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.

This company Company Director Shareholding +N: links not shown yet

Timeline

15 events since 2019

Board

Filings

Financial

Establishments

Other

2020202220242026

Deadline for the 2026 accounts: 31-07-2027

2026

29-06-2026

Annual accounts 2025 filed NBBmicro format · 32 days before the deadline

2025

31-12-2025

Weakest financial year net €6,456 ▼68.2% The net result drops to €6,456, the lowest from 2019 to 2025.

24-07-2025

Annual accounts 2024 filed PDFmicro format · 7 days before the deadline

08-04-2025

Registered in the Peppol Directory Reachable for e-invoices through 0208:0721654858

2024

13-06-2024

Annual accounts 2023 filed PDFmicro format · 48 days before the deadline

2023

31-12-2023

Highest result from 2019 to 2025 net €29,860 ▲34.5% The operating result of €47,299 and the net result of €29,860 are both a record.

31-12-2023

Equity above €100,000 equity €105,810 ▲20.8% With a profit in every financial year since 2019, equity grows to €105,810.

21-09-2023

Legal-form change · Resignations & appointmentsGeneral meeting of 18-09-20232 points ▸

General meeting, 18-09-2023
Registered office clause, Karel Boomstraat 60, 2320 Hoogstraten
The deed holds 6 more points.

Open the deed in the Belgian Official Gazette

21-08-2023

Annual accounts 2022 filed PDFmicro format · 21 days late

2022

07-06-2022

Annual accounts 2021 filed PDFmicro format · 54 days before the deadline

2021

22-06-2021

Annual accounts 2020 filed PDFmicro format · 39 days before the deadline

2020

29-06-2020

Annual accounts 2019 filed PDFmicro format · 32 days before the deadline

2019

08-07-2019

General meeting of 12-04-20191 point ▸

General meeting, 12-04-2019
The deed holds 1 more point.

Open the deed in the Belgian Official Gazette

27-02-2019

Incorporation PDFpublished on 01-03-2019

27-02-2019

First establishment Karel Boomstraat 60, Hoogstraten

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official Gazette Filings with the National Bank

History

On 27 February 2019, Patrick was incorporated.¹ In 2023 the company took the name PATRICK.² Total assets went from €86,752 in 2019 to €238,876 in 2025.³

Company details

Identity

Enterprise number: 0721.654.858
VAT number: BE 0721.654.858
Peppol ID: 0208:0721654858
Other Peppol ID: 9925:BE0721654858
Legal form: Private limited company
Status: Active, normal situation
Founded: 27-02-2019
Financial year: ends on 31 December
Peppol: Reachable since 08-04-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name: Patrick in Dutch
Entity type: Legal entity

Activities

NACEBEL 2025

41001 General construction of residential buildings main activity

77221 Rental and leasing activities

Codes under NACEBEL 2008

41201 General construction of buildings main activity

77291 Rental and leasing activities

Registered office and establishments

1 establishment

Establishment	Since	Unit number
Karel Boomstraat 60 registered office 2320 Hoogstraten 4100106 General construction of residential buildings	27-02-2019	2.285.908.730

Buildings and parcels at the address

Ground area: 247 m²
Buildings: 96 m²
Volume, LiDAR: 436 m³
Tallest building: 9.3 m

Buildings to scale, each on its own parcel

registered office establishment The establishment unit on the map

2 companies at this address See who is registered here

Parcels

Cadastral parcel	Area	Buildings	Height / floors
13014B0283/00C003	247 m²	1 · 96 m²	9.3 m · 2

Invoicing and payment

Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0721.654.858

Overview

Lifetime

Key points

Equity

Turnover

Filings

Checked score

Score breakdown

Comparable companies, two years later

Credit verdict

Signals

Board and ownership

Recent changes

Comparable companies

Official details

Annual accounts 2025

Insights on Patrick

Financials

Annual accounts 2025

Balance sheet

Change in equityin euro

Change in cashin euro

Position in the sector

Solvency38.8%

Current ratio1.86

Return on assets2.7%

Filed annual accounts

Filings

Key figures and ratios

Investments

Insights on Patrick

Board & ownership

Board

Mandates through the years

Control

Capital

Network & group

At the same address

Holdings and subsidiaries

Holdings 1

Board mandates elsewhere

Connections & network

Timeline

Timeline

History

Company details

Identity

Activities

Registered office and establishments

Buildings and parcels at the address

Location

Parcels

Invoicing and payment

in euro

in euro

38.8%

1.86

2.7%