PAUWELS

Active

Private limited companyfounded 20205 yrs activeBergenstraat 140, 8020 Oostkamp, BelgiumKBO/BCE: BE 0758.507.138

The computed 12-month bankruptcy probability of PAUWELS is 1.6% (moderate). The 2025 annual accounts show equity of €44k and a net result of €-8k. Equity is shrinking by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 52% of 538 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

38 / 100

Weak▼ -30 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0▼-65

Solvency61▼-8

Growth32▼-20

Stability94

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days only on tighter terms

Liquidity short (current ratio 0.75 against 0.82 in 2023), and 56.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2025

Solvency, return and age of the figures

Solvency

43.9%

Return on assets

-8%

Age of the figures

15 mo

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 16

Relative position

BE, all sectors

reference

Sector 16

higher

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 17-12-2025, 45 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

45 d early

2023

9 d late

2022

1 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close15-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€44k▼ 36.3%

2023 · €69k

2022: €60k 2023: €69k

2022 → 2025

Total assets

€100k▼ 26.7%

2023 · €136k

2022: €130k 2023: €136k

2022 → 2025

Net result

€-8k

2023 · €9k

2022: €50k 2023: €9k

2022 → 2025

Working capital

€-14k▼ 54.4%

2023 · €-9k

2022: €23k 2023: €-9k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232025Trend

Equity€60k-€69k▲ 14.9%€44k▼ 36.3%

Operating result€67k-€12k▼ 82.2%€-6k

Net result€50k-€9k▼ 82.1%€-8k

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 €6k after €12k in 2023, the lowest year so far.

Balance-sheet composition

2025 in colour, 2023 as the grey bar beneath

Assets €100k

58.9%

41.1%

Fixed assets €59k▼ 39.0%

Current assets €41k▲ 3.1%

Equity and liabilities €100k

43.9%

56.1%

Equity €44k▼ 36.3%

Debt €56k▼ 16.9%

The debt ratio rises from 49.5% to 56.1%: equity shrinks faster than debt is paid down.

Key figures and ratios

2025 value · change against 2023

EBITDA

€15k▼

2023 · €34k

Cash flow

€14k▼

2023 · €31k

Solvency

43.9%▼

2023 · 50.5%

Current ratio

0.75▼

2023 · 0.82

Quick ratio

0.75▼

2023 · 0.82

Debt / equity

1.28▲

2023 · 0.98

ROE

-18.2%▼

2023 · 13.0%

ROA

-8.0%▼

2023 · 6.6%

Interest coverage

9.16▼

2023 · 68.77

Debt

€56k▼

2023 · €67k

Debt ≤ 1 year

€55k▲

2023 · €49k

Debt > 1 year

€1k▼

2023 · €19k

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 2023

Balance sheet Code20232025

Assets

Total assets20/58€136k€100k▼

Fixed assets21/28€96k€59k▼

Tangible fixed assets22/27€96k€59k▼

Plant, machinery and equipment23€9k-

Furniture and vehicles24€36k€9k▼

Other tangible fixed assets26€52k€50k▼

Current assets29/58€40k€41k▲

Amounts receivable within one year40/41€36k€15k▼

Trade receivables40€35k€15k▼

Other amounts receivable41€682€682=

Cash at bank and in hand54/58€4k€26k▲

Equity and liabilities

Total equity and liabilities10/49€136k€100k▼

Equity10/15€69k€44k▼

Contributions10/11€10k€10k=

Reserves13€59k€59k=

Distributable reserves133€59k€59k=

Profit (loss) carried forward14-€-25k

Amounts payable17/49€67k€56k▼

Amounts payable after more than one year17€19k€1k▼

Financial debts170/4€19k€1k▼

Amounts payable within one year42/48€49k€55k▲

Current portion of amounts payable after more than one year42€9k€8k▼

Trade debts44€6k€5k▼

Suppliers440/4€6k€5k▼

Taxes, remuneration and social security45€30k€30k▼

Taxes450/3€26k€23k▼

Remuneration and social security454/9€5k€7k▲

Other amounts payable47/48€3k€12k▲

Income statement Code20232025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k▼

Other operating charges640/8€972€6k▲

Gross operating margin9900€35k€21k▼

Operating profit (loss)9901€12k€-6k▼

Financial charges65/66B€501€2k▲

Recurring financial charges65€501€2k▲

Profit (loss) for the period before taxes9903€11k€-8k▼

Income taxes67/77€3k-

Profit (loss) for the period9904€9k€-8k▼

Profit (loss) for the period to be appropriated9905€9k€-8k▼

Appropriation of the result

Profit (loss) to be appropriated9906€9k€-25k▼

Profit (loss) brought forward from the previous period14P-€-17k

Transfer to equity691/2€9k-

To other reserves6921€9k-

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

Next filing, fiscal year 2026, expected by 31-01-2027

2025

17-12

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

30-06

Financial Weakest financial yearnet €-8k ▼189%

Net result drops to €-8k, the lowest in the series.

2024

09-02

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 9 days late

2023

01-02

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 1 day late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Oostkamp · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Bergenstraat 1408020 Oostkamp

Ground area

1,764 m²

Building footprint

147 m²

Volume, LiDAR

647 m³

Parcel 31025A0001/00R000, Flanders · tallest building 8.5 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

PAUWELS

Bergenstraat 140, 8020 OostkampManufacture of metal structures and parts of structures

since 20202.311.999.948

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31025A0001/00R000	Flanders	1,764 m²	1 · 147 m²	8.5 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

Sint-Gillis-Waas · Eq €45k

Of 1,594 companies in sector 16230 we hold annual accounts for 777. 545 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded17-11-2020

Fiscal year end30-06

Activities, NACEBEL

16230Manufacture of other builders' carpentry and joinery

25510Coating of metals

25610Manufacture of fabricated metal products, except machinery and equipment

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.