PAULY & CO
ActiveThe annual accounts of PAULY & CO for fiscal year 2025 show a net loss of 53% of the equity at the start of that year. The 2025 annual accounts show equity of €10k and a net result of €-11k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 29% of 31642 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability27▼-48
Solvency53▼-13
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 1.81 against 2.4 in 2024; short-term debt: 22.4% and cash: 19.5% of total assets), but 71.6% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · 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 2025Solvency, return and age of the figures
Solvency
28.4%
Return on assets
-32.2%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 03-07-2026, 28 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
28 d early
2024
27 d late
2023
5 d late
2022
31 d late
2021
29 d late
2020
7 d late
2019
12 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▼ 53.2%
2024 · €21k
2019: €7k
2020: €7k
2021: €19k
2022: €13k
2023: €18k
2024: €21k
2019 → 2025
Total assets
€34k▼ 32.6%
2024 · €50k
2019: €14k
2020: €14k
2021: €26k
2022: €18k
2023: €22k
2024: €50k
2019 → 2025
Net result
€-11k
2024 · €2k
2019: €1k
2020: €-348
2021: €-119
2022: €-6k
2023: €5k
2024: €2k
2019 → 2025
Working capital
€6k▼ 39.4%
2024 · €10k
2019: €6k
2020: €5k
2021: €18k
2022: €7k
2023: €15k
2024: €10k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€13k▼ 31.6%€18k▲ 38.2%€21k▲ 13.3%€10k▼ 53.2%
Operating result€2k-€-5k€8k€4k▼ 51.7%€-9k
Net result€-119-€-6k▼ 4,960%€5k€2k▼ 51.9%€-11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €4k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34k
Fixed assets
€20k▼ 38.7%
Current assets
€14k▼ 21.1%
Equity and liabilities €34k
Equity
€10k▼ 53.2%
Debt
€24k▼ 18.3%
The debt ratio rises from 59.1% to 71.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€4k▼
2024 · €9k
Cash flow
€2k▼
2024 · €8k
Solvency
28.4%▼
2024 · 40.9%
Current ratio
1.81▼
2024 · 2.40
Quick ratio
1.81▼
2024 · 2.40
Debt / equity
2.53▲
2024 · 1.45
ROE
-113.6%▼
2024 · 11.7%
ROA
-32.2%▼
2024 · 4.8%
Interest coverage
3.27▼
2024 · 13.47
Debt
€24k▼
2024 · €30k
Debt ≤ 1 year
€8k▲
2024 · €7k
Debt > 1 year
€17k▼
2024 · €22k
Income taxes
€1k▲
2024 · €1k
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€50k€34k▼
Fixed assets21/28€33k€20k▼
Tangible fixed assets22/27€33k€20k▼
Furniture and vehicles24€33k€20k▼
Financial fixed assets28€1€0▼
Current assets29/58€17k€14k▼
Amounts receivable within one year40/41€7k€7k=
Trade receivables40€0-
Other amounts receivable41€7k€7k=
Cash at bank and in hand54/58€10k€7k▼
Deferred charges and accrued income490/1€1k€313▼
Equity and liabilities
Total equity and liabilities10/49€50k€34k▼
Equity10/15€21k€10k▼
Contributions10/11€19k€19k=
Reserves13€100€100=
Non-distributable reserves130/1€100€100=
Reserves not available under the articles1311€100€100=
Profit (loss) carried forward14€2k€-9k▼
Amounts payable17/49€30k€24k▼
Amounts payable after more than one year17€22k€17k▼
Financial debts170/4€22k€17k▼
Amounts payable within one year42/48€7k€8k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€62€121▲
Suppliers440/4€62€121▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€13k▲
Other operating charges640/8€938€2k▲
Gross operating margin9900€10k€6k▼
Operating profit (loss)9901€4k€-9k▼
Financial income75/76B€169€235▲
Recurring financial income75€169€235▲
Financial charges65/66B€693€1k▲
Recurring financial charges65€693€1k▲
Profit (loss) for the period before taxes9903€3k€-10k▼
Income taxes67/77€1k€1k▲
Profit (loss) for the period9904€2k€-11k▼
Profit (loss) for the period to be appropriated9905€2k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-9k▼
Profit (loss) brought forward from the previous period14P€-599€2k▲
The notes to these accounts (14 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-11k ▼553%
Net result drops to €-11k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after 3 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 3.76
Current ratio from 1.69 to 3.76; short-term debt falls from €7k to €7k.
07-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 7 days late
2020
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
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, Rixensart · 1 establishment unit since 2018
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.
Rue du Monastère 1291330 RixensartGround area
800 m²
Building footprint
202 m²
Parcel 25091B0013/00A004, Wallonia. Linked by address, not a title deed.
1 establishment unit
PAULY & CO
since 20182.276.772.617
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25091B0013/00A004 | Wallonia | 800 m² | 1 · 202 m² | - |
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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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 22,517 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-06-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.