Checked.be · Company dossierhttps://checked.be/en/c/payal-group-0793359139 · as of 10-10-2026
PAYAL GROUP
Active
Private limited company · founded 2022 · active for 3 yearsLuxemburgstraat 20, 9140 Temse, BelgiumKBO/BCE: BE 0793.359.139
Summary
The computed 12-month bankruptcy probability of PAYAL GROUP is 21.0% (high). The 2024 annual accounts show equity of €16,496 and a net result of €13,496. The company has been active since 2022 and the Belgian Official Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Signalsraises riskFigures for financial year 2024 (filed 13-02-2025)Ex-officio strike-off in the KBO1 change of registered office in 24 months1 financial year not filed after the legal deadline; latest accounts 13 days lateAdministrative warnings in the KBO publicationsneutralFiled after the deadlineShow the evidence
Bankruptcy probability
No current score
Checked score
A figure from 0 to 100: the higher it is, the smaller the chance that the company goes bankrupt within twelve months. The band, from Critical to Excellent, follows from that chance; within the band, how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
Figures too old
The available figures for FY 2024 are too old to assess current financial health.
Bankruptcy probability: High
Financial strength, FY 2024
Financial strength
How strong the balance sheet and results are: solvency, liquidity and profitability from the latest annual accounts, each out of 100. It does not directly set the Checked score's band; how the company does on these and on growth against its sector peers does count for its place within the band.
Average
Solvency49
equity 24.1% of total assets
Liquidity9
short-term debt 75.9% · cash 0.1%
Profitability77
return on assets 19.8%
Bankruptcy probability, 12 months
Bankruptcy probability
The chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. 0.2% means about 2 in 1,000 comparable companies. The higher it is, the shorter the payment term to agree.
21.0%High
0%0.5%1.5%4%10%≥ 25%
About 1 in 5 comparable companies go bankrupt within 12 months (an estimate).
Sector median 0.7% (47,538 companies, NACE 43, micro)
Last 24 months11-2024: 5.6%12-2024: 5.6%● unchanged vs 11-202401-2025: 5.6%● unchanged vs 12-202402-2025: 5.6%● unchanged vs 01-202503-2025: 6.0%▲ +0.4 percentage points vs 02-202504-2025: 6.0%● unchanged vs 03-202505-2025: 6.0%● unchanged vs 04-202506-2025: 5.8%▼ -0.2 percentage points vs 05-202507-2025: 5.7%▼ -0.1 percentage points vs 06-202508-2025: 5.4%▼ -0.3 percentage points vs 07-202509-2025: 5.7%▲ +0.3 percentage points vs 08-202510-2025: 6.6%▲ +0.9 percentage points vs 09-202511-2025: 7.5%▲ +0.9 percentage points vs 10-202512-2025: 4.4%▼ -3.1 percentage points vs 11-2025lowest value01-2026: 4.5%▲ +0.1 percentage points vs 12-202502-2026: 5.2%▲ +0.7 percentage points vs 01-202603-2026: 5.6%▲ +0.4 percentage points vs 02-202604-2026: 13.1%▲ +7.5 percentage points vs 03-202605-2026: 13.3%▲ +0.2 percentage points vs 04-202606-2026: 14.9%▲ +1.6 percentage points vs 05-202607-2026: 16.3%▲ +1.4 percentage points vs 06-202608-2026: 22.3%▲ +6.0 percentage points vs 07-2026highest value09-2026: 22.3%● unchanged vs 08-2026highest value10-2026: 21.0%▼ -1.3 percentage points vs 09-2026
The financial year that closed on 30-06-2024 was due by 31-01-2025 and was filed on 12-02-2025, 12 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.
tick = median of all Belgian filingsring = median in the sector
This company filed its 2024 accounts 12 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.