PAULLUK is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €823k and a net result of €87k. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 32% of 8018 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-12-2025 was due by 30-07-2026 and was filed on 30-07-2026, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
on the day
2024
7 d early
2023
6 d early
2022
4 d early
2021
30 d late
2020
29 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-12-2026 and is due by 30-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-12-2026 close30-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€823k▲ 11.8%
2024 · €736k
2020: €494k
2021: €521k
2022: €602k
2023: €676k
2024: €736k
2020 → 2025
Net result
€87k▲ 44.0%
2024 · €60k
2020: €-6k
2021: €27k
2022: €81k
2023: €74k
2024: €60k
2020 → 2025
Total assets
€2.76M▼ 2.3%
2024 · €2.83M
2020: €3.14M
2021: €2.97M
2022: €2.99M
2023: €2.94M
2024: €2.83M
2020 → 2025
Solvency
29.8%▲ 3.8pp
2024 · 26.1%
2020: 15.7%
2021: 17.6%
2022: 20.1%
2023: 23.0%
2024: 26.1%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€521k-€602k▲ 15.6%€676k▲ 12.3%€736k▲ 8.9%€823k▲ 11.8%
Operating result€9k-€114k▲ 1,233%€122k▲ 6.9%€105k▼ 14.3%€103k▼ 1.2%
Net result€27k-€81k▲ 205%€74k▼ 9.3%€60k▼ 18.1%€87k▲ 44.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.76M
Fixed assets
€2.60M▼ 2.6%
Current assets
€156k▲ 3.4%
Equity and liabilities €2.76M
Equity
€823k▲ 11.8%
Debt
€1.94M▼ 7.3%
The debt ratio falls from 73.9% to 70.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
29.8%▲
2024 · 26.1%
ROE
10.6%▲
2024 · 8.2%
ROA
3.2%▲
2024 · 2.1%
Debt
€1.94M▼
2024 · €2.09M
Debt ≤ 1 year
€322k▼
2024 · €323k
Debt > 1 year
€1.59M▼
2024 · €1.75M
Income taxes
€16k▲
2024 · €15k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.83M€2.76M▼
Fixed assets21/28€2.68M€2.60M▼
Tangible fixed assets22/27€2.66M€2.59M▼
Land and buildings22€2.61M€2.55M▼
Furniture and vehicles24€50k€32k▼
Financial fixed assets28€19k€19k=
Current assets29/58€151k€156k▲
Amounts receivable within one year40/41€89k€75k▼
Other amounts receivable41€89k€75k▼
Cash at bank and in hand54/58€31k€50k▲
Deferred charges and accrued income490/1€30k€30k▲
Equity and liabilities
Total equity and liabilities10/49€2.83M€2.76M▼
Equity10/15€736k€823k▲
Contributions10/11€500k€500k=
Profit (loss) carried forward14€236k€323k▲
Amounts payable17/49€2.09M€1.94M▼
Amounts payable after more than one year17€1.75M€1.59M▼
Financial debts170/4€1.75M€1.59M▼
Amounts payable within one year42/48€323k€322k▼
Current portion of amounts payable after more than one year42€155k€155k▲
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Other amounts payable47/48€164k€162k▼
Accrued charges and deferred income492/3€19k€22k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€71k€70k▼
Other operating charges640/8€4k€8k▲
Gross operating margin9900€180k€182k▲
Operating profit (loss)9901€105k€103k▼
Financial income75/76B-€25k
Recurring financial income75-€25k
Financial charges65/66B€29k€26k▼
Recurring financial charges65€29k€26k▼
Profit (loss) for the period before taxes9903€76k€103k▲
Income taxes67/77€15k€16k▲
Profit (loss) for the period9904€60k€87k▲
Profit (loss) for the period to be appropriated9905€60k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€236k€323k▲
Profit (loss) brought forward from the previous period14P€176k€236k▲
The notes to these accounts (6 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 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-12
Financial
Highest result since 2020net €87k ▲44%
Net result €87k, the highest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
30-12
Financial
Equity above €500kEq €521k ▲5.4%
Equity rises from €494k to €521k.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Knokke-Heist · 1 establishment unit since 2019
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.
Lippenslaan 1378300 Knokke-HeistGround area
1,815 m²
Building footprint
681 m²
Volume, LiDAR
3,175 m³
2 parcels, Flanders · tallest building 19.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PAULLUK
since 20192.285.668.408
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31013C0694/00A000 | Flanders | 957 m² | 1 · 505 m² | 19.6 m · 2 fl. |
| 31013D0271/00W004 | Flanders | 858 m² | 1 · 176 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
Kuman 1920
BE 0563.491.311
Grobbendonk · Eq €823k
InduProjects
BE 0649.766.178
Lommel · Eq €823k
Twincare Plus
BE 0798.742.738
Houthalen-Helchteren · Eq €823k
OLAMA
BE 0802.577.604
Wetteren · Eq €823k
H PACK
BE 0717.926.692
Verviers · Eq €824k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,112 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-02-2019
Fiscal year end30-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.