PAULY FRANK
ActivePAULY FRANK has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €417k and a net result of €-50k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 77% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2022
Profitability6▼-30
Solvency91▼-3
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 3.3 against 5.39 in 2022; short-term debt: 18.2% and cash: 0% of total assets), and 33.9% of the assets are financed with debt.
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
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 →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2022
2 d early
2021
23 d late
2020
12 d late
2019
30 d late
2018
328 d late
2017
14 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€28k
EBIT margin
-142.5%
Net result
€-50k▼ 53.6%
2022 · €-33k
2018: €9k
2019: €79k
2020: €3k
2021: €3k
2022: €-33k
2018 → 2025
Working capital
€264k▼ 37.3%
2022 · €420k
2018: €446k
2019: €535k
2020: €470k
2021: €464k
2022: €420k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222025Trend
Turnover€28k
Equity€645k-€648k▲ 0.5%€650k▲ 0.4%€618k▼ 5.0%€417k▼ 32.5%
Operating result€109k-€18k▼ 83.2%€13k▼ 31.6%€-27k€-40k▼ 49.4%
Net result€79k-€3k▼ 96.3%€3k▼ 3.4%€-33k€-50k▼ 53.6%
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 is €-40k in 2025, compared with €-27k in 2022. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2022 as the grey bar beneath
Assets €631k
Fixed assets
€252k▼ 32.5%
Current assets
€378k▼ 26.7%
Equity and liabilities €631k
Equity
€417k▼ 32.5%
Debt
€214k▼ 21.5%
The debt ratio rises from 30.6% to 33.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-6k▼
2022 · €16k
Cash flow
€-16k▼
2022 · €10k
Solvency
66.1%▼
2022 · 69.4%
Current ratio
3.30▼
2022 · 5.39
Quick ratio
3.30▼
2022 · 5.39
Debt / equity
0.51▲
2022 · 0.44
ROE
-12.0%▼
2022 · -5.3%
ROA
-8.0%▼
2022 · -3.7%
Interest coverage
-0.58▼
2022 · 2.64
Debt
€214k▼
2022 · €272k
Debt ≤ 1 year
€115k▲
2022 · €96k
Debt > 1 year
€99k▼
2022 · €177k
Income taxes
€388▲
2022 · €-60
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 2022
Balance sheet
Code20222025
Assets
Total assets20/58€890k€631k▼
Fixed assets21/28€374k€252k▼
Intangible fixed assets21€18k-
Tangible fixed assets22/27€355k€250k▼
Land and buildings22€278k€236k▼
Plant, machinery and equipment23€42k€11k▼
Furniture and vehicles24€34k€4k▼
Financial fixed assets28€2k€2k=
Current assets29/58€516k€378k▼
Amounts receivable after more than one year29€238k€226k▼
Other amounts receivable291€238k€226k▼
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€180k€121k▼
Trade receivables40€164k€91k▼
Other amounts receivable41€16k€30k▲
Cash at bank and in hand54/58€40k€248▼
Deferred charges and accrued income490/1€59k€31k▼
Equity and liabilities
Total equity and liabilities10/49€890k€631k▼
Equity10/15€618k€417k▼
Contributions10/11€125k€125k=
Capital10€125k€125k=
Issued capital100€125k€125k=
Reserves13€493k€292k▼
Non-distributable reserves130/1€13k€13k=
Legal reserve130€13k€13k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€462k€261k▼
Amounts payable17/49€272k€214k▼
Amounts payable after more than one year17€177k€99k▼
Financial debts170/4€177k€99k▼
Amounts payable within one year42/48€96k€115k▲
Current portion of amounts payable after more than one year42€33k€24k▼
Financial debts43€19k€53k▲
Credit institutions430/8€19k€53k▲
Trade debts44€16k€20k▲
Suppliers440/4€16k€20k▲
Taxes, remuneration and social security45€785€10k▲
Taxes450/3€785€7k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€27k€7k▼
Income statement
Code20222025
Turnover70-€28k
Goods, raw materials, services and sundry goods60/61-€86k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€34k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€18k€-4k▼
Operating profit (loss)9901€-27k€-40k▼
Financial income75/76B€12€14▲
Recurring financial income75€12€14▲
Financial charges65/66B€6k€10k▲
Recurring financial charges65€6k€10k▲
Profit (loss) for the period before taxes9903€-33k€-50k▼
Income taxes67/77€-60€388▲
Profit (loss) for the period9904€-33k€-50k▼
Profit (loss) for the period to be appropriated9905€-33k€-50k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€-50k▼
Transfer from equity791/2€33k€50k▲
The notes to these accounts (8 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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-50k
Net result drops to €-50k, the lowest in the series.
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Liquidity doublescurrent ratio 5.39
Current ratio from 2.51 to 5.39; short-term debt falls from €306k to €96k.
23-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 23 days late
2021
12-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 12 days late
2020
30-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 30 days late
23-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 328 days late
2019
30-09
Financial
Highest result since 2018net €79k ▲733%
Operating result €109k, net result €79k, both a record.
2018
14-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 14 days late
2017
14-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
28-04
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2015
22-06
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 53 days late
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, Riemst · 1 establishment unit since 2000
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.
Tongersesteenweg 383770 RiemstGround area
267 m²
Building footprint
220 m²
Volume, LiDAR
1,087 m³
Parcel 73066A1539/00M000, Flanders · tallest building 12.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Tongersesteenweg 38, 3770 Riemst
since 20002.097.208.195
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73066A1539/00M000 | Flanders | 267 m² | 1 · 220 m² | 12.5 m · 1 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.
Similar companies · same sector, comparable size
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TARBAZ
BE 0844.825.953
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HAZER
BE 0799.371.258
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PIRAGRI ACHENE
BE 0435.365.890
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RUTTEN BENZINESTATION
BE 0461.656.751
Beringen · Eq €411k
Of 1,267 companies in sector 47300 we hold annual accounts for 946. 693 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-02-2000
Fiscal year end30-09
Activities, NACEBEL
47300Retail sale of automotive fuel
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
46120Wholesale trade
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
50103
50200
52113
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.