PAYFIN
ActiveSummary
PAYFIN has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68k and a net result of €7k. Equity is shrinking by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 86% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-12
Solvency100▲+28
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 8.25 against 1.88 in 2024; short-term debt: 11.8% and cash: 25.1% of total assets), and 11.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 · 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 · 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
88.2%
Return on assets
8.5%
Age of the figures
9 mo
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 19-03-2026, 134 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
134 d early
2024
4 d late
2023
2 d late
2022
21 d early
2021
16 d late
2020
20 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€68k▼ 28.8%
2024 · €96k
2020: €62k
2021: €138k
2022: €169k
2023: €159k
2024: €96k
2020 → 2025
Total assets
€77k▼ 61.9%
2024 · €203k
2020: €88k
2021: €169k
2022: €193k
2023: €166k
2024: €203k
2020 → 2025
Net result
€7k▼ 82.1%
2024 · €36k
2020: €36k
2021: €52k
2022: €31k
2023: €64k
2024: €36k
2020 → 2025
Working capital
€66k▼ 29.9%
2024 · €94k
2020: €46k
2021: €126k
2022: €163k
2023: €155k
2024: €94k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€138k-€169k▲ 22.4%€159k▼ 5.7%€96k▼ 40.1%€68k▼ 28.8%
Operating result€70k-€41k▼ 42.1%€81k▲ 99.0%€49k▼ 39.6%€6k▼ 87.9%
Net result€52k-€31k▼ 40.9%€64k▲ 107%€36k▼ 43.0%€7k▼ 82.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 88% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77k
Fixed assets
€2k ▼ 6.3%
Current assets
€75k ▼ 62.6%
Equity and liabilities €77k
Equity
€68k ▼ 28.8%
Debt
€9k ▼ 91.5%
Debt's share of the balance-sheet total falls from 52.9% to 11.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€6k▼
2024 · €52k
Cash flow
€7k▼
2024 · €39k
Current ratio
8.25▲
2024 · 1.88
Debt to equity
0.13▼
2024 · 1.12
ROE
9.6%▼
2024 · 38.2%
ROA
8.5%▼
2024 · 18.0%
Interest coverage
67.51▼
2024 · 578.09
Debt ≤ 1 year
€9k▼
2024 · €106k
Income taxes
€3k▼
2024 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€203k€77k▼
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€153-
Furniture and vehicles24€153-
Financial fixed assets28€2k€2k=
Current assets29/58€200k€75k▼
Amounts receivable within one year40/41€4k€16k▲
Trade receivables40€3k€15k▲
Other amounts receivable41€655€2k▲
Current investments50/53€65k€39k▼
Cash at bank and in hand54/58€132k€19k▼
Deferred charges and accrued income490/1€170€136▼
Equity and liabilities
Total equity and liabilities10/49€203k€77k▼
Equity10/15€96k€68k▼
Contributions10/11€50k€50k=
Reserves13€45k€17k▼
Distributable reserves133€45k€17k▼
Profit (loss) carried forward14€1k€1k=
Amounts payable17/49€107k€9k▼
Amounts payable within one year42/48€106k€9k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€15k€4k▼
Taxes450/3€15k€4k▼
Other amounts payable47/48€89k€3k▼
Accrued charges and deferred income492/3€816€67▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€153▼
Other operating charges640/8€618€638▲
Gross operating margin9900€53k€7k▼
Operating profit (loss)9901€49k€6k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€90€90=
Recurring financial charges65€90€90=
Profit (loss) for the period before taxes9903€51k€9k▼
Income taxes67/77€14k€3k▼
Profit (loss) for the period9904€36k€7k▼
Profit (loss) for the period to be appropriated9905€36k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€37k€8k▼
Profit (loss) brought forward from the previous period14P€927€1k▲
Transfer from equity791/2€100k€28k▼
Transfer to equity691/2€36k-
To other reserves6921€36k-
Profit to be distributed694/7€100k€34k▼
Return on contributions (dividend)694€100k€34k▼
The notes to these accounts (7 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
19-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €7k ▼82.1%
Net result drops to €7k, the lowest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 8.25
Current ratio from 1.88 to 8.25; short-term debt falls from €106k to €9k.
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
31-12
Financial
Highest result since 2020net €64k ▲107%
Operating result €81k, net result €64k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 30.11
Current ratio from 8.69 to 30.11; short-term debt falls from €21k to €5k.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €169k ▲22.4%
3 profitable years in a row build equity to €169k.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Equity above €100kEq €138k ▲124%
2 profitable years in a row build equity to €138k.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Sint-Pieters-Woluwe · 1 establishment unit since 2019
Ground area
279 m²
Building footprint
107 m²
Volume, LiDAR
908 m³
Parcel 21683D0334/00P011, Brussels · tallest building 13.6 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
PAYFIN
since 20192.289.540.488
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21683D0334/00P011 | Brussels | 279 m² | 1 · 107 m² | 13.6 m · 3 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.
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 39,557 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-05-2019
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
49320Non-scheduled passenger transport by road
62100Computer programming
68110Buying and selling of own real estate
90399Other support activities for arts and performing arts
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.