PATRICK SEGERS

Active

Private limited companyfounded 201015 yrs activeGouwberg 15, 2370 Arendonk, BelgiumKBO/BCE: BE 0831.548.237

PATRICK SEGERS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €39k and a net result of €4k. Equity is growing by ~81.2% per year across the filed fiscal years. Its solvency ranks better than 24% of 9981 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).

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Checked score

Score 2024

63 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability71▼-19

Solvency41▼-4

Growth52▼-26

Track record100

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity short (current ratio 0.88 against 0.89 in 2023; short-term debt: 37.8% and cash: 22.4% of total assets), and 83.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

16.4%

Return on assets

1.6%

Age of the figures

21 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 9981 sector peers (2024).

NBB · sector comparison

Position among 9981 sector peers

Solvency

better than 24%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-06-2025, 49 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

49 d early

2023

30 d early

2022

53 d early

2021

47 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€39k▲ 10.9%

2023 · €35k

2021: €-22k 2022: €4k 2023: €35k

2021 → 2024

Total assets

€240k▲ 32.4%

2023 · €181k

2021: €101k 2022: €117k 2023: €181k

2021 → 2024

Net result

€4k▼ 87.7%

2023 · €31k

2021: €12k 2022: €26k 2023: €31k

2021 → 2024

Working capital

€-11k▼ 38.7%

2023 · €-8k

2021: €-43k 2022: €-21k 2023: €-8k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€-22k-€4k€35k▲ 751%€39k▲ 10.9%

Operating result€14k-€29k▲ 99.2%€41k▲ 43.1%€14k▼ 65.3%

Net result€12k-€26k▲ 115%€31k▲ 19.1%€4k▼ 87.7%

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 65% below 2023 and is the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €240k

66.8%

33.2%

Fixed assets €160k▲ 37.0%

Current assets €79k▲ 24.1%

Equity and liabilities €240k

16.4%

83.6%

Equity €39k▲ 10.9%

Debt €200k▲ 37.7%

The debt ratio rises from 80.4% to 83.6%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€49k▼

2023 · €69k

Cash flow

€39k▼

2023 · €59k

Solvency

16.4%▼

2023 · 19.6%

Current ratio

0.88▼

2023 · 0.89

Quick ratio

0.88▼

2023 · 0.89

Debt / equity

5.09▲

2023 · 4.10

ROE

9.8%▼

2023 · 88.2%

ROA

1.6%▼

2023 · 17.3%

Interest coverage

9.63▼

2023 · 52.75

Debt

€200k▲

2023 · €145k

Debt ≤ 1 year

€91k▲

2023 · €72k

Debt > 1 year

€110k▲

2023 · €73k

Income taxes

€5k▼

2023 · €8k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€181k€240k▲

Fixed assets21/28€117k€160k▲

Tangible fixed assets22/27€117k€160k▲

Land and buildings22€3k€2k▼

Plant, machinery and equipment23€2k€2k▲

Furniture and vehicles24€112k€155k▲

Current assets29/58€64k€79k▲

Amounts receivable within one year40/41€22k€21k▼

Trade receivables40€19k€18k▼

Other amounts receivable41€3k€4k▲

Cash at bank and in hand54/58€37k€54k▲

Deferred charges and accrued income490/1€4k€4k▲

Equity and liabilities

Total equity and liabilities10/49€181k€240k▲

Equity10/15€35k€39k▲

Contributions10/11€20k€20k=

Reserves13€15k€19k▲

Distributable reserves133€15k€19k▲

Profit (loss) carried forward14€0-

Amounts payable17/49€145k€200k▲

Amounts payable after more than one year17€73k€110k▲

Financial debts170/4€73k€110k▲

Amounts payable within one year42/48€72k€91k▲

Current portion of amounts payable after more than one year42€27k€45k▲

Trade debts44€4k€1k▼

Suppliers440/4€4k€1k▼

Taxes, remuneration and social security45€13k€17k▲

Taxes450/3€10k€14k▲

Remuneration and social security454/9€3k€3k=

Other amounts payable47/48€28k€27k▼

Income statement Code20232024

Non-recurring operating income76A€36k€4k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€35k▲

Other operating charges640/8€9k€5k▼

Gross operating margin9900€78k€54k▼

Operating profit (loss)9901€41k€14k▼

Financial income75/76B€3€0▼

Recurring financial income75€3€0▼

Financial charges65/66B€1k€5k▲

Recurring financial charges65€1k€5k▲

Profit (loss) for the period before taxes9903€40k€9k▼

Income taxes67/77€8k€5k▼

Profit (loss) for the period9904€31k€4k▼

Profit (loss) for the period to be appropriated9905€31k€4k▼

Appropriation of the result

Profit (loss) to be appropriated9906€15k€4k▼

Profit (loss) brought forward from the previous period14P€-16k€0▲

Transfer to equity691/2€15k€4k▼

To other reserves6921€15k€4k▼

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

2025

12-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €4k ▼87.7%

Net result drops to €4k, the lowest in the series.

01-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Highest result since 2021net €31k ▲19.1%

Operating result €41k, net result €31k, both a record.

08-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

14-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Arendonk · 1 establishment unit since 2010

establishment The establishment unit on the map

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.

Gouwberg 152370 Arendonk

Ground area

722 m²

Building footprint

158 m²

Volume, LiDAR

870 m³

Parcel 13322D0752/00F000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

PATRICK SEGERS

Gouwberg 15, 2370 ArendonkConstruction of residential and non-residential buildings

since 20102.193.712.606

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13322D0752/00F000	Flanders	722 m²	1 · 158 m²	8.3 m · 2 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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Team Verlinden

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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,846 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded15-11-2010

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.