PAULVALROB
ActivePAULVALROB has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €53k. Equity is shrinking by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 27% of 16922 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +57 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+39
Solvency77▲+59
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.2 against 0.92 in 2024), but 70% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
30%
Return on assets
16.4%
Age of the figures
8 mo
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
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €96k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
77 d early
2023
57 d early
2022
29 d early
2021
3 d late
2020
19 d late
2019
14 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€176k
EBIT margin
44.8%
Net result
€53k▲ 885%
2024 · €5k
2018: €25k
2019: €167k
2020: €-15k
2021: €-5k
2022: €-42
2023: €19k
2024: €5k
2018 → 2025
Working capital
€135k
2024 · €-18k
2018: €-104k
2019: €67k
2020: €57k
2021: €54k
2022: €675
2023: €-212k
2024: €-18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€176k
Equity€305k-€259k▼ 14.9%€40k▼ 84.7%€44k▲ 11.3%€96k▲ 117%
Operating result€16k-€19k▲ 16.5%€66k▲ 250%€52k▼ 20.4%€79k▲ 50.5%
Net result€-5k-€-42▲ 99.2%€19k€5k▼ 72.3%€53k▲ 885%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 51% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €321k
Fixed assets
€74k▼ 52.7%
Current assets
€247k▲ 25.0%
Equity and liabilities €321k
Equity
€96k▲ 117%
Provisions
€84k▲ 50.5%
Debt
€141k▼ 44.5%
The debt ratio falls from 71.7% to 43.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€96k▲
2024 · €58k
Cash flow
€70k▲
2024 · €11k
Solvency
30.0%▲
2024 · 12.5%
Current ratio
2.20▲
2024 · 0.92
Quick ratio
2.20▲
2024 · 0.92
Debt / equity
1.46▼
2024 · 5.73
ROE
54.9%▲
2024 · 12.1%
ROA
16.4%▲
2024 · 1.5%
Interest coverage
11.41▲
2024 · 2.19
Debt
€141k▼
2024 · €254k
Debt ≤ 1 year
€112k▼
2024 · €215k
Debt > 1 year
€29k▼
2024 · €38k
Income taxes
€27k▲
2024 · €21k
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€354k€321k▼
Fixed assets21/28€156k€74k▼
Tangible fixed assets22/27€76k€62k▼
Furniture and vehicles24€76k€62k▼
Financial fixed assets28€80k€12k▼
Current assets29/58€198k€247k▲
Amounts receivable after more than one year29€150k€150k=
Other amounts receivable291€150k€150k=
Amounts receivable within one year40/41€21k€30k▲
Trade receivables40€21k€30k▲
Other amounts receivable41-€58
Cash at bank and in hand54/58€26k€66k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€354k€321k▼
Equity10/15€44k€96k▲
Contributions10/11€20k€20k=
Reserves13€24k€76k▲
Distributable reserves133€24k€76k▲
Provisions and deferred taxes16€56k€84k▲
Provisions for liabilities and charges160/5€56k€84k▲
Other liabilities and charges164/5€56k€84k▲
Amounts payable17/49€254k€141k▼
Amounts payable after more than one year17€38k€29k▼
Financial debts170/4€38k€29k▼
Amounts payable within one year42/48€215k€112k▼
Current portion of amounts payable after more than one year42€9k€10k▲
Trade debts44€664€525▼
Suppliers440/4€664€525▼
Taxes, remuneration and social security45€8k€4k▼
Taxes450/3€8k€4k▼
Other amounts payable47/48€197k€98k▼
Income statement
Code20242025
Turnover70-€176k
Non-recurring operating income76A-€11k
Goods, raw materials, services and sundry goods60/61-€75k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€17k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€27k€28k▲
Other operating charges640/8€499€499=
Gross operating margin9900€85k€125k▲
Operating profit (loss)9901€52k€79k▲
Financial income75/76B-€9k
Recurring financial income75-€9k
Financial charges65/66B€26k€8k▼
Recurring financial charges65€26k€8k▼
Profit (loss) for the period before taxes9903€26k€80k▲
Income taxes67/77€21k€27k▲
Profit (loss) for the period9904€5k€53k▲
Profit (loss) for the period to be appropriated9905€5k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€53k▲
Transfer to equity691/2€5k€52k▲
To other reserves6921€5k€52k▲
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
The notes to these accounts (10 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 2.20
Current ratio from 0.92 to 2.20; short-term debt falls from €215k to €112k.
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €19k
Net result €19k after 3 loss-making years.
02-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Weakest financial yearnet €-15k ▼109%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Highest result since 2018net €167k ▲556%
Net result €167k, the highest in the series.
31-12
Financial
Liquidity times 6current ratio 2.08
Current ratio from 0.32 to 2.08; short-term debt falls from €153k to €62k.
31-12
Financial
Equity above €200kEq €325k ▲154%
2 profitable years in a row build equity to €325k.
15-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
12-06
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, Dilbeek · 1 establishment unit since 2015
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.
Moortebeekstraat 601700 DilbeekGround area
273 m²
Building footprint
95 m²
Volume, LiDAR
588 m³
Parcel 23016D0293/02A002, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PAULVALROB
since 20152.241.534.396
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016D0293/02A002 | Flanders | 273 m² | 1 · 95 m² | 10.8 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900GYEZF6PQP9AF43
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Of 16,811 companies in sector 62100 we hold annual accounts for 8,749. 6,923 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-03-2015
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:phrobertbxl@gmail.com
Phone:04754421