PAZ CONSULT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €56k and a net result of €43k. Equity is growing by ~209.3% per year across the filed fiscal years. Its solvency ranks better than 79% of 3323 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-07-2025, 30 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
30 d early
2023
23 d late
2022
30 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€56k▲ 334%
2023 · €13k
2022: €2k
2023: €13k
2022 → 2024
Net result
€43k▲ 293%
2023 · €11k
2022: €-528
2023: €11k
2022 → 2024
Total assets
€70k▲ 326%
2023 · €16k
2022: €5k
2023: €16k
2022 → 2024
Solvency
80.5%▲ 1.5pp
2023 · 79.0%
2022: 40.5%
2023: 79.0%
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€2k-€13k▲ 558%€56k▲ 334%
Operating result€-501-€14k€56k▲ 294%
Net result€-528-€11k€43k▲ 293%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2024 is 294% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €70k
Fixed assets
€1k▼ 23.5%
Current assets
€69k▲ 358%
Equity and liabilities €70k
Equity
€56k▲ 334%
Debt
€14k▲ 296%
The debt ratio falls from 21.0% to 19.5%. Equity and debt are higher.
Key figures and ratios
Solvency
80.5%▲
2023 · 79.0%
ROE
76.9%▼
2023 · 84.8%
ROA
61.9%▼
2023 · 67.0%
Debt
€14k▲
2023 · €3k
Debt ≤ 1 year
€14k▲
2023 · €3k
Income taxes
€12k▲
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€16k€70k▲
Fixed assets21/28€1k€1k▼
Tangible fixed assets22/27€1k€1k▼
Furniture and vehicles24€1k€1k▼
Current assets29/58€15k€69k▲
Cash at bank and in hand54/58€11k€61k▲
Deferred charges and accrued income490/1€4k€8k▲
Equity and liabilities
Total equity and liabilities10/49€16k€70k▲
Equity10/15€13k€56k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€10k€54k▲
Amounts payable17/49€3k€14k▲
Amounts payable within one year42/48€3k€14k▲
Trade debts44-€825
Suppliers440/4-€825
Taxes, remuneration and social security45€3k€12k▲
Taxes450/3€3k€12k▲
Other amounts payable47/48€339€409▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€895€862▼
Other operating charges640/8€293€901▲
Gross operating margin9900€15k€58k▲
Operating profit (loss)9901€14k€56k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€75€225▲
Recurring financial charges65€75€225▲
Profit (loss) for the period before taxes9903€14k€56k▲
Income taxes67/77€3k€12k▲
Profit (loss) for the period9904€11k€43k▲
Profit (loss) for the period to be appropriated9905€11k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€54k▲
Profit (loss) brought forward from the previous period14P€-528€10k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €43k ▲293%
Operating result €56k, net result €43k, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 4.36
Current ratio from 1.68 to 4.36.
01-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB 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 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2022
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.
Kartuizersstraat 721000 BrusselGround area
108 m²
Building footprint
92 m²
Volume, LiDAR
1,066 m³
Parcel 21811M1339/00S002, Brussels · tallest building 17.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
PAZ CONSULT
since 20222.331.977.691
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21811M1339/00S002 | Brussels | 108 m² | 1 · 92 m² | 17.7 m · 5 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 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,376 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-06-2022
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.