PCK ROCHE
ActiveSummary
The computed 12-month bankruptcy probability of PCK ROCHE is 1.6% (moderate). The 2025 annual accounts show equity of €26k and a net result of €-9k. Equity is growing by ~16% per year across the filed fiscal years. Its solvency ranks better than 64% of 448 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-69
Solvency76▼-24
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.03 against 3.86 in 2024; short-term debt: 48.4% and cash: 45.2% of total assets), and 48.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 79
Relative position
BE, all sectors
reference
Travel agency, tour operator and other reservation service and related activities (NACE 79)
about 121% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · 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 2025Solvency, return and age of the figures
Solvency
51.4%
Return on assets
-17%
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
28 d late
2023
28 d late
2022
7 d early
2021
22 d late
2020
3 d late
2019
67 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
€26k▼ 24.8%
2024 · €35k
2018: €17k
2019: €19k▲ +15.5% vs 2018
2020: €9k▼ -51.1% vs 2019
2021: €5k▼ -49.9% vs 2020lowest in 8 years
2022: €18k▲ +274% vs 2021
2023: €33k▲ +89.3% vs 2022
2024: €35k▲ +4.6% vs 2023highest in 8 years
2025: €26k▼ -24.8% vs 2024
2018 → 2025
Total assets
€51k▲ 9.7%
2024 · €47k
2018: €24k
2019: €32k▲ +34.3% vs 2018
2020: €12k▼ -61.8% vs 2019lowest in 8 years
2021: €16k▲ +33.8% vs 2020
2022: €34k▲ +106% vs 2021
2023: €46k▲ +36.1% vs 2022
2024: €47k▲ +1.6% vs 2023
2025: €51k▲ +9.7% vs 2024highest in 8 years
2018 → 2025
Net result
€-9k
2024 · €2k
2018: €-9k
2019: €3k▲ +128% vs 2018
2020: €-10k▼ -481% vs 2019lowest in 8 years
2021: €-5k▲ +52.3% vs 2020
2022: €13k▲ +375% vs 2021
2023: €16k▲ +21.9% vs 2022highest in 8 years
2024: €2k▼ -90.3% vs 2023
2025: €-9k▼ -667% vs 2024
2018 → 2025
Working capital
€26k▼ 22.4%
2024 · €33k
2018: €11k
2019: €14k▲ +28.3% vs 2018
2020: €8k▼ -45.2% vs 2019
2021: €4k▼ -54.0% vs 2020lowest in 8 years
2022: €17k▲ +373% vs 2021
2023: €29k▲ +77.3% vs 2022
2024: €33k▲ +12.0% vs 2023highest in 8 years
2025: €26k▼ -22.4% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€18k▲ 274%€33k▲ 89.3%€35k▲ 4.6%€26k▼ 24.8%
2021: €5klowest in 5 years
2022: €18k▲ +274% vs 2021
2023: €33k▲ +89.3% vs 2022
2024: €35k▲ +4.6% vs 2023highest in 5 years
2025: €26k▼ -24.8% vs 2024
Operating result€-4k-€14k€17k▲ 25.6%€2k▼ 85.8%€-8k
2021: €-4k
2022: €14k▲ +469% vs 2021
2023: €17k▲ +25.6% vs 2022highest in 5 years
2024: €2k▼ -85.8% vs 2023
2025: €-8k▼ -439% vs 2024lowest in 5 years
Net result€-5k-€13k€16k▲ 21.9%€2k▼ 90.3%€-9k
2021: €-5k
2022: €13k▲ +375% vs 2021
2023: €16k▲ +21.9% vs 2022highest in 5 years
2024: €2k▼ -90.3% vs 2023
2025: €-9k▼ -667% vs 2024lowest in 5 years
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 €8k after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €51k
Fixed assets
€792 ▼ 61.6%
Current assets
€50k ▲ 13.0%
Equity and liabilities €51k
Equity
€26k ▼ 24.8%
Debt
€25k ▲ 113%
Debt's share of the balance-sheet total rises from 25.0% to 48.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-6k▼
2024 · €5k
Cash flow
€-7k▼
2024 · €4k
Current ratio
2.03▼
2024 · 3.86
Debt to equity
0.94▲
2024 · 0.33
ROE
-33.0%▼
2024 · 4.4%
ROA
-17.0%▼
2024 · 3.3%
Interest coverage
-7.21▼
2024 · 5.59
Debt ≤ 1 year
€25k▲
2024 · €12k
Income taxes
€116▼
2024 · €877
Staff costs
€38k▲
2024 · €25k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€47k€51k▲
Fixed assets21/28€2k€792▼
Tangible fixed assets22/27€2k€612▼
Furniture and vehicles24€2k€612▼
Other tangible fixed assets26€301-
Financial fixed assets28€180€180=
Current assets29/58€44k€50k▲
Amounts receivable within one year40/41€24k€26k▲
Trade receivables40€12k€12k▲
Other amounts receivable41€13k€14k▲
Cash at bank and in hand54/58€19k€23k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€47k€51k▲
Equity10/15€35k€26k▼
Contributions10/11€25k€25k=
Reserves13€10k€10k=
Non-distributable reserves130/1€60€60=
Other1319€60€60=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€-154€-9k▼
Amounts payable17/49€12k€25k▲
Amounts payable within one year42/48€12k€25k▲
Trade debts44€5k€12k▲
Suppliers440/4€5k€12k▲
Taxes, remuneration and social security45€6k€13k▲
Taxes450/3€3k€6k▲
Remuneration and social security454/9€3k€7k▲
Accrued charges and deferred income492/3€96€97▲
Income statement
Code20242025
Remuneration, social security and pensions62€25k€38k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€582€578▼
Gross operating margin9900€31k€33k▲
Operating profit (loss)9901€2k€-8k▼
Financial income75/76B€819€696▼
Recurring financial income75€819€696▼
Financial charges65/66B€881€888▲
Recurring financial charges65€881€888▲
Profit (loss) for the period before taxes9903€2k€-9k▼
Income taxes67/77€877€116▼
Profit (loss) for the period9904€2k€-9k▼
Profit (loss) for the period to be appropriated9905€2k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-154€-9k▼
Profit (loss) brought forward from the previous period14P€-2k€-154▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €14k | - | - | - | - | - |
| Remuneration, social security and pensions62 | - | €6k | €21k | €25k | €38k | ▲ 52.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €570 | €334 | €1k | €2k | €2k | ▼ 20.6% |
| Other operating charges640/8 | €813 | €848 | €1k | €582 | €578 | ▼ 0.7% |
| Gross operating margin9900 | €-2k | €21k | €40k | €31k | €33k | ▲ 6.1% |
| Operating profit (loss)9901 | €-4k | €14k | €17k | €2k | €-8k | ▼ 439% |
| Financial income75/76B | €117 | €162 | €431 | €819 | €696 | ▼ 15.0% |
| Recurring financial income75 | €117 | €162 | €431 | €819 | €696 | ▼ 15.0% |
| Financial charges65/66B | €960 | €950 | €900 | €881 | €888 | ▲ 0.8% |
| Recurring financial charges65 | €960 | €950 | €900 | €881 | €888 | ▲ 0.8% |
| Profit (loss) for the period before taxes9903 | €-5k | €13k | €17k | €2k | €-9k | ▼ 456% |
| Income taxes67/77 | €108 | €116 | €1k | €877 | €116 | ▼ 86.7% |
| Profit (loss) for the period9904 | €-5k | €13k | €16k | €2k | €-9k | ▼ 667% |
| Profit (loss) for the period to be appropriated9905 | €-5k | €13k | €16k | €2k | €-9k | ▼ 667% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €16k | €34k | €46k | €47k | €51k | ▲ 9.7% |
| Fixed assets21/28 | €1k | €1k | €4k | €2k | €792 | ▼ 61.6% |
| Tangible fixed assets22/27 | €1k | €966 | €4k | €2k | €612 | ▼ 67.5% |
| Furniture and vehicles24 | €1 | - | €3k | €2k | €612 | ▼ 61.4% |
| Other tangible fixed assets26 | €1k | €966 | €634 | €301 | - | - |
| Financial fixed assets28 | - | €180 | €180 | €180 | €180 | = |
| Current assets29/58 | €15k | €32k | €42k | €44k | €50k | ▲ 13.0% |
| Amounts receivable within one year40/41 | €4k | €13k | €25k | €24k | €26k | ▲ 8.0% |
| Trade receivables40 | €3k | €8k | €11k | €12k | €12k | ▲ 2.4% |
| Other amounts receivable41 | €755 | €5k | €14k | €13k | €14k | ▲ 13.2% |
| Cash at bank and in hand54/58 | €10k | €18k | €15k | €19k | €23k | ▲ 20.9% |
| Deferred charges and accrued income490/1 | €1k | €1k | €2k | €1k | €1k | ▼ 13.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €16k | €34k | €46k | €47k | €51k | ▲ 9.7% |
| Equity10/15 | €5k | €18k | €33k | €35k | €26k | ▼ 24.8% |
| Contributions10/11 | €25k | €25k | €25k | €25k | €25k | = |
| Capital10 | €25k | €25k | - | - | - | - |
| Issued capital100 | €25k | €25k | - | - | - | - |
| Reserves13 | €60 | €60 | €10k | €10k | €10k | = |
| Non-distributable reserves130/1 | €60 | €60 | €60 | €60 | €60 | = |
| Legal reserve130 | €60 | €60 | - | - | - | - |
| Other1319 | - | - | €60 | €60 | €60 | = |
| Distributable reserves133 | - | - | €10k | €10k | €10k | = |
| Profit (loss) carried forward14 | €-20k | €-7k | €-2k | €-154 | €-9k | ▼ 5,630% |
| Amounts payable17/49 | €12k | €16k | €12k | €12k | €25k | ▲ 113% |
| Amounts payable within one year42/48 | €12k | €16k | €12k | €12k | €25k | ▲ 114% |
| Trade debts44 | €5k | €6k | €7k | €5k | €12k | ▲ 127% |
| Suppliers440/4 | €5k | €6k | €7k | €5k | €12k | ▲ 127% |
| Taxes, remuneration and social security45 | €3k | €5k | €6k | €6k | €13k | ▲ 104% |
| Taxes450/3 | €3k | €4k | €3k | €3k | €6k | ▲ 72.2% |
| Remuneration and social security454/9 | - | €1k | €2k | €3k | €7k | ▲ 140% |
| Other amounts payable47/48 | €4k | €5k | - | - | - | - |
| Accrued charges and deferred income492/3 | €87 | €94 | €94 | €96 | €97 | ▲ 1.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-5k | €13k | €16k | €2k | €-9k | ▼ 667% |
| + Depreciation and write-downs630 | €570 | €334 | €1k | €2k | €2k | ▼ 20.6% |
| Operating cash flow (approximation) | €-4k | €13k | €17k | €4k | €-7k | ▼ 268% |
| Investment in fixed assets (approximation) | - | €-180 | €-4k | €-454 | €-679 | ▼ 49.7% |
| Change in cash | - | €8k | €-3k | €4k | €4k | ▼ 6.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €16k ▲21.9%
Operating result €17k, net result €16k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 3 days late
2020
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 67 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, La Louvière · 1 establishment unit since 2015
Ground area
151 m²
Building footprint
42 m²
Volume, LiDAR
465 m³
Parcel 55372D0034/00P008, Wallonia · tallest building 11.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
RTK TRAVEL CENTER LA LOUVIERE
since 20152.244.215.061
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55372D0034/00P008 | Wallonia | 151 m² | 1 · 42 m² | 11.8 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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 529 companies in sector 79120 we hold annual accounts for 203. 132 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-08-2015
Fiscal year end31-12
Activities, NACEBEL 2025
79110Travel agency activities
79120Travel agency, tour operator and other reservation service and related activities
Scores and ratios are computed by Checked and are not a credit decision.