PAYCHEQ
ActivePAYCHEQ has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €401k and a net result of €119k. Equity is growing by ~39.5% per year across the filed fiscal years. Its solvency ranks better than 49% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+4
Solvency74▲+10
Growth78=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.82 against 3.43 in 2024; short-term debt: 14.7% and cash: 49.3% of total assets), but 51.1% 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
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
48.9%
Return on assets
14.5%
Age of the figures
12 mo
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 · 4 filingsDeviation from the deadline
2025
3 d early
2024
68 d early
2023
57 d early
2022
54 d early
← 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
Equity
€401k▲ 42.3%
2024 · €282k
2022: €107k
2023: €198k
2024: €282k
2022 → 2025
Total assets
€821k▲ 13.8%
2024 · €721k
2022: €246k
2023: €342k
2024: €721k
2022 → 2025
Net result
€119k▲ 41.7%
2024 · €84k
2022: €7k
2023: €91k
2024: €84k
2022 → 2025
Working capital
€339k▲ 35.3%
2024 · €251k
2022: €152k
2023: €230k
2024: €251k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€107k-€198k▲ 85.4%€282k▲ 42.6%€401k▲ 42.3%
Operating result€15k-€127k▲ 735%€118k▼ 6.7%€176k▲ 49.3%
Net result€7k-€91k▲ 1,262%€84k▼ 7.5%€119k▲ 41.7%
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 recovers in 2025; 2025 is 49% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €821k
Fixed assets
€361k▼ 1.6%
Current assets
€460k▲ 29.9%
Equity and liabilities €821k
Equity
€401k▲ 42.3%
Debt
€419k▼ 4.5%
The debt ratio falls from 60.9% to 51.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€197k▲
2024 · €129k
Cash flow
€140k▲
2024 · €95k
Solvency
48.9%▲
2024 · 39.1%
Current ratio
3.82▲
2024 · 3.43
Quick ratio
3.82▲
2024 · 3.43
Debt / equity
1.04▼
2024 · 1.56
ROE
29.7%▼
2024 · 29.9%
ROA
14.5%▲
2024 · 11.7%
Interest coverage
14.57▼
2024 · 25.29
Debt
€419k▼
2024 · €439k
Debt ≤ 1 year
€120k▲
2024 · €103k
Debt > 1 year
€299k▼
2024 · €336k
Income taxes
€44k▲
2024 · €29k
Staff costs
€338k▲
2024 · €282k
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€721k€821k▲
Fixed assets21/28€367k€361k▼
Intangible fixed assets21€7k€4k▼
Tangible fixed assets22/27€357k€354k▼
Land and buildings22€352k€347k▼
Furniture and vehicles24€5k€7k▲
Financial fixed assets28€3k€3k=
Current assets29/58€354k€460k▲
Amounts receivable within one year40/41€55k€50k▼
Trade receivables40€44k€43k▼
Other amounts receivable41€11k€7k▼
Cash at bank and in hand54/58€299k€405k▲
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€721k€821k▲
Equity10/15€282k€401k▲
Contributions10/11€100k€100k=
Profit (loss) carried forward14€182k€301k▲
Amounts payable17/49€439k€419k▼
Amounts payable after more than one year17€336k€299k▼
Financial debts170/4€336k€299k▼
Amounts payable within one year42/48€103k€120k▲
Current portion of amounts payable after more than one year42€36k€37k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€26k€17k▼
Suppliers440/4€26k€17k▼
Taxes, remuneration and social security45€40k€65k▲
Taxes450/3€0€16k▲
Remuneration and social security454/9€40k€49k▲
Other amounts payable47/48€761€1k▲
Income statement
Code20242025
Non-recurring operating income76A€200€8k▲
Remuneration, social security and pensions62€282k€338k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€21k▲
Other operating charges640/8€48k€4k▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€459k€540k▲
Operating profit (loss)9901€118k€176k▲
Financial income75/76B€86€185▲
Recurring financial income75€86€185▲
Financial charges65/66B€5k€14k▲
Recurring financial charges65€5k€14k▲
Profit (loss) for the period before taxes9903€113k€163k▲
Income taxes67/77€29k€44k▲
Profit (loss) for the period9904€84k€119k▲
Profit (loss) for the period to be appropriated9905€84k€119k▲
Appropriation of the result
Profit (loss) to be appropriated9906€182k€301k▲
Profit (loss) brought forward from the previous period14P€98k€182k▲
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
27-08
State Gazette act
Algemene Vergadering - BoekjaarGeneral meeting · Statutes amendment · Power of attorney4 facts ▸
State Gazette act
Algemene Vergadering - Boekjaar
General meeting · Statutes amendment · Power of attorney4 facts ▸
- General meeting, 2026-08-18
- Statutes amendment, 20
- Statutes amendment, 14
- Power of attorney, MOORE
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2022net €119k ▲41.7%
Operating result €176k, net result €119k, both a record.
21-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €200kEq €282k ▲42.6%
3 profitable years in a row build equity to €282k.
04-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Equity above €150kEq €198k ▲85.4%
2 profitable years in a row build equity to €198k.
07-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Beringen · 1 establishment unit since 2020
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.
Diestersesteenweg 833583 BeringenGround area
4,639 m²
Building footprint
1,784 m²
Volume, LiDAR
8,923 m³
Parcel 71382C0539/00P003, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PAYCHEQ
since 20202.310.437.852
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71382C0539/00P003 | Flanders | 4,639 m² | 1 · 1,784 m² | 7.5 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 4,804 EUR awarded · 6,671 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 1,523 EUR | 1,835 EUR |
| 2024 | 1 | 567 EUR | 255 EUR |
| 2023 | 1 | 0 EUR | 1,867 EUR |
| 2022 | 1 | 2,714 EUR | 2,714 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
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Of 11,225 companies in sector 82100 we hold annual accounts for 3,511. 2,118 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-11-2020
Fiscal year end30-09
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
78100Employment placement agencies
78200Temporary employment agencies and other provision of personnel
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.