PET&HAS
ActiveThe computed 12-month bankruptcy probability of PET&HAS is 1.6% (moderate). The 2025 annual accounts show equity of €27k and a net result of €20k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 28% of 11165 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency15▲+8
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.77 against 0.74 in 2024), and 86.4% 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.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 15-09-2025, 46 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
46 d early
2024
28 d late
2023
1 d early
2022
129 d late
2021
2 d early
2020
23 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close12-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▲ 309%
2024 · €6k
2020: €15k
2021: €1k
2022: €-7k
2023: €-19k
2024: €6k
2020 → 2025
Total assets
€195k▼ 23.1%
2024 · €253k
2020: €17k
2021: €9k
2022: €618
2023: €1k
2024: €253k
2020 → 2025
Net result
€20k▼ 22.9%
2024 · €26k
2020: €-4k
2021: €-14k
2022: €-8k
2023: €-13k
2024: €26k
2020 → 2025
Working capital
€-38k▲ 40.3%
2024 · €-64k
2020: €3k
2021: €-6k
2022: €-7k
2023: €-19k
2024: €-64k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1k-€-7k€-19k▼ 191%€6k€27k▲ 309%
Operating result€-13k-€-7k▲ 41.8%€-12k▼ 68.8%€26k€26k▼ 0.5%
Net result€-14k-€-8k▲ 42.5%€-13k▼ 63.8%€26k€20k▼ 22.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €195k
Fixed assets
€67k▼ 5.6%
Current assets
€128k▼ 29.9%
Equity and liabilities €195k
Equity
€27k▲ 309%
Debt
€168k▼ 31.8%
The debt ratio falls from 97.4% to 86.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€32k▲
2024 · €28k
Cash flow
€26k▼
2024 · €28k
Solvency
13.6%▲
2024 · 2.6%
Current ratio
0.77▲
2024 · 0.74
Quick ratio
0.34▲
2024 · 0.26
Debt / equity
6.35▼
2024 · 38.09
ROE
75.5%▼
2024 · 400.5%
ROA
10.3%▲
2024 · 10.2%
Interest coverage
105.26▼
2024 · 189.17
Debt
€168k▼
2024 · €247k
Debt ≤ 1 year
€166k▼
2024 · €246k
Income taxes
€6k▲
2024 · €-22
Staff costs
€16k
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€253k€195k▼
Fixed assets21/28€71k€67k▼
Tangible fixed assets22/27€58k€52k▼
Plant, machinery and equipment23€58k€52k▼
Financial fixed assets28€13k€15k▲
Current assets29/58€182k€128k▼
Stocks and contracts in progress3€118k€71k▼
Stocks30/36€118k€71k▼
Amounts receivable within one year40/41€64k€49k▼
Trade receivables40€61k€47k▼
Other amounts receivable41€3k€3k▼
Cash at bank and in hand54/58€490€8k▲
Equity and liabilities
Total equity and liabilities10/49€253k€195k▼
Equity10/15€6k€27k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-12k€8k▲
Amounts payable17/49€247k€168k▼
Amounts payable within one year42/48€246k€166k▼
Trade debts44€181k€79k▼
Suppliers440/4€181k€79k▼
Taxes, remuneration and social security45€2k€9k▲
Taxes450/3-€6k
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48€63k€77k▲
Accrued charges and deferred income492/3€690€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€16k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€6k▲
Other operating charges640/8€762€1k▲
Gross operating margin9900€29k€49k▲
Operating profit (loss)9901€26k€26k▼
Financial income75/76B€41€20▼
Recurring financial income75€41€20▼
Financial charges65/66B€150€305▲
Recurring financial charges65€150€305▲
Profit (loss) for the period before taxes9903€26k€26k▼
Income taxes67/77€-22€6k▲
Profit (loss) for the period9904€26k€20k▼
Profit (loss) for the period to be appropriated9905€26k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€8k▲
Profit (loss) brought forward from the previous period14P€-38k€-12k▲
The notes to these accounts (6 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
2025
15-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
28-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
31-03
Financial
Back to profitnet €26k
Net result €26k after 4 loss-making years.
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
09-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 129 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2022
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
09-06-2022
Resigned as Director
Location & real-estate footprint
Registered office, Raeren · 1 establishment unit since 2019
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.
Aachener Strasse 2064730 Raeren1 establishment unit
Kaffeeparadies CASH & CARRY
since 20192.287.535.855
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Of 175 companies in sector 46211 we hold annual accounts for 79. 31 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded25-03-2019
Fiscal year end31-03
Activities, NACEBEL
46211Wholesale trade
46110Wholesale trade
46213Wholesale trade
46331Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filings
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.