PAULUS
ActivePAULUS has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €715k and a net result of €21k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 76% of 4107 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
81
/ 100
Excellent▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▼-8
Solvency99▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 2.3 against 2.08 in 2024), and 37.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
62.8%
Return on assets
1.9%
Age of the figures
19 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 09-07-2025, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
not confirmed
2025
53 d early
2024
64 d early
2023
62 d early
2022
37 d early
2021
42 d early
2020
24 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, full schema
Turnover
€0
EBIT margin
Not included in this filing
Net result
€21k▼ 33.3%
2024 · €32k
2019: €-8k
2020: €-38k
2021: €110k
2022: €87k
2023: €24k
2024: €32k
2019 → 2025
Working capital
€543k▲ 12.1%
2024 · €485k
2019: €261k
2020: €262k
2021: €390k
2022: €446k
2023: €488k
2024: €485k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0
Equity€561k-€637k▲ 13.7%€661k▲ 3.8%€693k▲ 4.9%€715k▲ 3.1%
Operating result€129k-€113k▼ 12.4%€41k▼ 63.9%€55k▲ 34.5%€45k▼ 17.6%
Net result€110k-€87k▼ 21.1%€24k▼ 72.3%€32k▲ 34.3%€21k▼ 33.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.14M
Fixed assets
€180k▼ 17.5%
Current assets
€959k▲ 2.8%
Equity and liabilities €1.14M
Equity
€715k▲ 3.1%
Debt
€424k▼ 7.4%
The debt ratio falls from 39.8% to 37.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€83k▼
2024 · €103k
Cash flow
€59k▼
2024 · €80k
Solvency
62.8%▲
2024 · 60.2%
Current ratio
2.30▲
2024 · 2.08
Quick ratio
0.88▲
2024 · 0.60
Debt / equity
0.59▼
2024 · 0.66
ROE
3.0%▼
2024 · 4.6%
ROA
1.9%▼
2024 · 2.8%
Interest coverage
3.18▼
2024 · 4.96
Debt
€424k▼
2024 · €458k
Debt ≤ 1 year
€416k▼
2024 · €449k
Income taxes
€11k▼
2024 · €20k
Staff costs
€335k▼
2024 · €344k
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€1.15M€1.14M▼
Formation expenses20€0€0=
Fixed assets21/28€218k€180k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€206k€168k▼
Land and buildings22€76k€70k▼
Plant, machinery and equipment23€47k€40k▼
Furniture and vehicles24€66k€46k▼
Leasing and similar rights25€0€0=
Other tangible fixed assets26€17k€12k▼
Financial fixed assets28€12k€12k=
Current assets29/58€934k€959k▲
Stocks and contracts in progress3€664k€593k▼
Stocks30/36€664k€593k▼
Amounts receivable within one year40/41€83k€56k▼
Trade receivables40€72k€45k▼
Other amounts receivable41€11k€11k=
Cash at bank and in hand54/58€178k€301k▲
Deferred charges and accrued income490/1€8k€10k▲
Equity and liabilities
Total equity and liabilities10/49€1.15M€1.14M▼
Equity10/15€693k€715k▲
Contributions10/11€19k€19k=
Reserves13€663k€663k=
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€6k€6k=
Other1319€2k€2k=
Tax-exempt reserves132€16k€16k=
Distributable reserves133€639k€639k=
Profit (loss) carried forward14€11k€33k▲
Amounts payable17/49€458k€424k▼
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€449k€416k▼
Current portion of amounts payable after more than one year42€223k€218k▼
Trade debts44€38k€27k▼
Suppliers440/4€38k€27k▼
Taxes, remuneration and social security45€85k€83k▼
Taxes450/3€36k€33k▼
Remuneration and social security454/9€49k€50k▲
Other amounts payable47/48€104k€90k▼
Accrued charges and deferred income492/3€6k€8k▲
Income statement
Code20242025
Turnover70-€0
Goods, raw materials, services and sundry goods60/61-€0
Remuneration, social security and pensions62€344k€335k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€38k▼
Other operating charges640/8€7k€5k▼
Gross operating margin9900€454k€423k▼
Operating profit (loss)9901€55k€45k▼
Financial income75/76B€19k€13k▼
Recurring financial income75€19k€13k▼
Financial charges65/66B€21k€26k▲
Recurring financial charges65€21k€26k▲
Profit (loss) for the period before taxes9903€53k€32k▼
Income taxes67/77€20k€11k▼
Profit (loss) for the period9904€32k€21k▼
Profit (loss) for the period to be appropriated9905€32k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€41k€33k▼
Profit (loss) brought forward from the previous period14P€9k€11k▲
Transfer to equity691/2€30k-
To other reserves6921€30k-
Social balance
Average headcount (FTE)90879.19.2▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
31-01
Financial
Back to profitnet €110k
Net result €110k after 2 loss-making years.
31-01
Financial
Equity above €500kEq €561k ▲19.1%
Equity rises from €471k to €561k.
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 24 days late
31-01
Financial
Weakest financial yearnet €-38k
Net result drops to €-38k, the lowest in the series; recovery starts the following year.
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Huy · 4 establishment units since 1994
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.
Place Verte 24500 HuyGround area
2,824 m²
Building footprint
531 m²
Volume, LiDAR
1,826 m³
4 parcels, Wallonia · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
4 establishment units
ETABLISSEMENTS PAULUS
since 19942.064.946.589
Rue des Clarisses 60, 4000 Liège
since 19942.064.946.688
PLUME ET COTON
since 20112.204.218.595
PLUME ET COTON
since 20142.236.080.127
4 parcels
Wallonia
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91030D0017/00P000 | Wallonia | 2,079 m² | 1 · 104 m² | - |
| 61031B0312/00L000 ProtectedMonument · Site or landscape |
Wallonia | 298 m² | 1 · 148 m² | 14.7 m · 4 fl. |
| 62803A1500/00G000 | Wallonia | 282 m² | 1 · 199 m² | - |
| 83034A0455/00Z000 | Wallonia | 165 m² | 1 · 80 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
HEFREMA
BE 0480.274.120
Antwerpen · Eq €715k
WUIDAR
BE 0417.650.821
Herstal · Eq €715k
HACKETT RETAIL BELGIUM
BE 0886.785.480
Brussel · Eq €714k
BOUNCE WEAR
BE 0861.293.583
Holsbeek · Eq €714k
UNIONVILLE
BE 0880.849.575
Antwerpen · Eq €714k
Of 6,459 companies in sector 47716 we hold annual accounts for 2,424. 1,291 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-1993
Fiscal year end31-01
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52421
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.