POCO PAZZO
ActiveSummary
POCO PAZZO has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €346k and a net result of €44k. Equity is growing by ~37.6% per year across the filed fiscal years. Its solvency ranks better than 45% of 3674 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▼-9
Solvency50▲+4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity short (current ratio 0.21 against 0.3 in 2024; short-term debt: 44% and cash: 1.2% of total assets), and 74.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
25.2%
Return on assets
3.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
21 d early
2023
1 d early
2022
on the day
2021
on the day
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€346k▲ 14.4%
2024 · €302k
2019: €62k
2020: €39k
2021: €82k
2022: €163k
2023: €223k
2024: €302k
2019 → 2025
Total assets
€1.37M▼ 4.7%
2024 · €1.44M
2019: €246k
2020: €1.53M
2021: €1.48M
2022: €1.45M
2023: €1.50M
2024: €1.44M
2019 → 2025
Net result
€44k▼ 45.2%
2024 · €80k
2019: €64k
2020: €-23k
2021: €43k
2022: €81k
2023: €60k
2024: €80k
2019 → 2025
Working capital
€-476k▼ 10.9%
2024 · €-429k
2019: €9k
2020: €-191k
2021: €-277k
2022: €-302k
2023: €-386k
2024: €-429k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€82k-€163k▲ 98.4%€223k▲ 36.7%€302k▲ 35.7%€346k▲ 14.4%
Operating result€70k-€135k▲ 92.4%€114k▼ 15.7%€135k▲ 17.8%€80k▼ 40.6%
Net result€43k-€81k▲ 86.5%€60k▼ 26.1%€80k▲ 33.1%€44k▼ 45.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.37M
Fixed assets
€1.25M ▼ 0.8%
Current assets
€129k ▼ 31.0%
Equity and liabilities €1.37M
Equity
€346k ▲ 14.4%
Debt
€1.03M ▼ 9.8%
Debt's share of the balance-sheet total falls from 79.0% to 74.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€91k▼
2024 · €147k
Cash flow
€55k▼
2024 · €91k
Current ratio
0.21▼
2024 · 0.30
Quick ratio
0.06▼
2024 · 0.11
Debt to equity
2.97▼
2024 · 3.77
ROE
12.6%▼
2024 · 26.3%
ROA
3.2%▼
2024 · 5.5%
Interest coverage
4.34▼
2024 · 5.08
Debt ≤ 1 year
€605k▼
2024 · €616k
Debt > 1 year
€423k▼
2024 · €524k
Income taxes
€15k▼
2024 · €27k
Staff costs
€226k▼
2024 · €315k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.44M€1.37M▼
Fixed assets21/28€1.26M€1.25M▼
Tangible fixed assets22/27€49k€39k▼
Land and buildings22€6k€5k▼
Plant, machinery and equipment23€16k€14k▼
Furniture and vehicles24€13k€12k▼
Other tangible fixed assets26€14k€8k▼
Financial fixed assets28€1.21M€1.21M=
Current assets29/58€187k€129k▼
Stocks and contracts in progress3€121k€92k▼
Stocks30/36€121k€92k▼
Amounts receivable within one year40/41€21k€19k▼
Trade receivables40€6k€5k▼
Other amounts receivable41€16k€14k▼
Cash at bank and in hand54/58€42k€16k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.44M€1.37M▼
Equity10/15€302k€346k▲
Contributions10/11€20k€20k=
Reserves13€39k€39k=
Tax-exempt reserves132€37k€37k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€243k€287k▲
Amounts payable17/49€1.14M€1.03M▼
Amounts payable after more than one year17€524k€423k▼
Financial debts170/4€524k€423k▼
Amounts payable within one year42/48€616k€605k▼
Current portion of amounts payable after more than one year42€250k€208k▼
Financial debts43€89k€31k▼
Credit institutions430/8€89k€31k▼
Trade debts44€144k€100k▼
Suppliers440/4€144k€100k▼
Taxes, remuneration and social security45€27k€25k▼
Taxes450/3€8k€7k▼
Remuneration and social security454/9€19k€18k▼
Other amounts payable47/48€106k€241k▲
Income statement
Code20242025
Remuneration, social security and pensions62€315k€226k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€5k€4k▼
Gross operating margin9900€466k€321k▼
Operating profit (loss)9901€135k€80k▼
Financial income75/76B€767€86▼
Recurring financial income75€767€86▼
Financial charges65/66B€29k€21k▼
Recurring financial charges65€29k€21k▼
Profit (loss) for the period before taxes9903€107k€59k▼
Income taxes67/77€27k€15k▼
Profit (loss) for the period9904€80k€44k▼
Profit (loss) for the period to be appropriated9905€80k€44k▼
Appropriation of the result
Profit (loss) to be appropriated9906€243k€287k▲
Profit (loss) brought forward from the previous period14P€164k€243k▲
Social balance
Average headcount (FTE)908712.95.2▼
The notes to these accounts (8 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Equity above €200kEq €223k ▲36.7%
3 profitable years in a row build equity to €223k.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Highest result since 2019net €81k ▲86.5%
Operating result €135k, net result €81k, both a record.
30-06
Financial
Equity above €150kEq €163k ▲98.4%
2 profitable years in a row build equity to €163k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Back to profitnet €43k
Net result €43k after one loss-making year.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2018
28-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
22-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Antwerpen · 2 establishment units since 1998
Ground area
174 m²
Building footprint
173 m²
Volume, LiDAR
2,316 m³
Parcel 11802B0111/00B000, Flanders · tallest building 17.2 m, ±5 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
2 establishment units
Restaurant Pazzo
since 19982.089.486.601
Bar Pazzo
since 20162.249.488.891
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11802B0111/00B000 | Flanders | 174 m² | 1 · 173 m² | 17.2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.089.486.601
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,462. 7,302 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
Founded19-11-1998
Fiscal year end30-06
Activities, NACEBEL 2025
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.