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ST.-PAUL A&T

Active
Public limited companyfounded 2015active for 10 yearsGraaf Jansdijk 227, 8300 Knokke-Heist, BelgiumKBO/BCE: BE 0644.779.091
Summary

The computed 12-month bankruptcy probability of ST.-PAUL A&T is 1.9% (moderate). The 2025 annual accounts show equity of €1.1m and a net result of €4,338, of which €7,750 non-recurring income. Equity has been stable since 2018 (±0.7% per year). Its solvency ranks better than 14% of 543 sector peers (NACE 77, financial year 2025). The company has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 22-12-2015 Normal situation
Activity
Rental and leasing activities NACE 77120and 5 others
Establishment unit
2.250.527.583 8300 Knokke-Heist, since 22-12-2015
Financial year end
31 December
Peppol
Reachable since 25-11-2025

Board and ownership

Board
  • KU&KU INVESTMENTSDirector · since 27-12-2022 · permanent representative Dirk Kuijl
  • Kuijl WimDirector · since 30-06-2025
  • Tim KuijlDirector · since 30-06-2025
and 1 other
Auditor
Moore Audit
Shareholders

Financial position

53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.9%
Annual accounts 2025
Gross margin
€918,262
▲ 51.5%
Turnover
≈ €2.2m
estimated
Profit
€4,338
Equity
€1.1m
▲ 0.4%
Total assets
€12.9m
▲ 11.4%
Score breakdownraises risk2 changes of registered office in 24 monthsLiquidity: current ratio 0.73, cash €48,098Equity €1.1m (8.5% of total assets)lowers riskSize: total assets €12.9mShow the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 25% of medium-sized companies in retail trade (NACE 47)
Financial strength · tick: 2024
Weak
Solvency 33-1
equity 8.5% of total assets
Liquidity 2-2
short-term debt 87.0% · cash 0.4%
Profitability 42+7
return on assets 0.0%
Bankruptcy probability within 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (385 companies, NACE 47, medium-sized)
Last 24 months 12-2024: 0.9% 01-2025: 0.9%● unchanged vs 12-2024 02-2025: 0.9%● unchanged vs 01-2025 03-2025: 0.9%● unchanged vs 02-2025 04-2025: 0.9%● unchanged vs 03-2025 05-2025: 0.9%● unchanged vs 04-2025 06-2025: 1.0%▲ +0.1 percentage points vs 05-2025 07-2025: 1.0%● unchanged vs 06-2025 08-2025: 0.5%▼ -0.5 percentage points vs 07-2025 09-2025: 0.5%● unchanged vs 08-2025 10-2025: 0.5%● unchanged vs 09-2025 11-2025: 0.5%● unchanged vs 10-2025 12-2025: 0.5%● unchanged vs 11-2025 01-2026: 0.5%● unchanged vs 12-2025 02-2026: 0.5%● unchanged vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 0.3%▼ -0.2 percentage points vs 07-2026lowest value 09-2026: 0.5%▲ +0.2 percentage points vs 08-2026 10-2026: 1.9%▲ +1.4 percentage points vs 09-2026highest value 11-2026: 1.9%● unchanged vs 10-2026highest value
Credit of up to €55,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.73 (0.81 in 2024), below 1. Short-term debt is 87% and cash 0.4% of total assets. 91.5% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, medium-sized). It does better than 22% of them on solvency, 6% on liquidity, 31% on profitability and 40% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · 2 changes of registered office in 24 months
Belgian Official Gazette
raises risk · Liquidity: current ratio 0.73, cash €48,098
NBB · annual accounts
lowers risk · Size: total assets €12.9m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Equity €1.1m (8.5% of total assets)
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 543 sector peers (2025).
NBB · sector comparison
Position among 543 sector peers
Solvency
better than 14%
← weakest strongest →
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
14 days early
2024
7 days early
2023
on the day
2022
13 days early
2021
71 days late
2020
19 days early
2019
31 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 7 days after the deadline. In the sector (NACE 77), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 24 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Back in profit in 2025after a loss of €73,472 in 2024 €4,338 View
  • Caution: Lower solvency than 85% of companies in rental and leasingsector median 41.8% · 543 companies 8.5% View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

Recent changes

  1. · Gazette deed Permanent representative: Dirk Kuijl
  2. · Gazette deed Registered office moved from Stekene to Knokke-Heist
  3. · Gazette deed Resignation: Johan Van Mieghem (permanent representative)Permanent representative: Katleen Segers
All 22 events

Comparable companies

These companies have the same main activity as ST.-PAUL A&T: rental and leasing activities (NACE 77120). They are comparable in size and age: total assets between €4.4m and €13m, founded between 2009 and 2020.

CompanyTotal assetsGross margin
ST.-PAUL A&T Knokke-Heist€12.9m€0.9m
BSR OG Zutendaal€5.0m€0.6m
Verdonck Michiel Ieper€11.8m€2.7m
SMTS Brugge€4.7m€2.1m
KRONE FLEET België Zele€4.4m€0.9m
U-rent Sint-Niklaas€7.2m€2.2m
MAES LOGISTICS Zandhoven€12.6m€3.7m
Full comparison

Key facts about ST.-PAUL A&T

What is the company number of ST.-PAUL A&T?
The company number of ST.-PAUL A&T is 0644.779.091. The VAT number is the same number with BE in front: BE 0644.779.091.
Where is ST.-PAUL A&T based?
The registered office is at Graaf Jansdijk 227, 8300 Knokke-Heist.Company details
What does ST.-PAUL A&T do?
According to the KBO register, the main activity is rental and leasing activities (NACE 77120).
What is the legal form of ST.-PAUL A&T?
The legal form of ST.-PAUL A&T is Public limited company (NV).
When was ST.-PAUL A&T founded?
ST.-PAUL A&T was founded on 22-12-2015.
Is ST.-PAUL A&T still active?
Yes, ST.-PAUL A&T is an active enterprise in the KBO register.
What is the turnover of ST.-PAUL A&T?
The turnover in financial year 2025 is ≈ €2.2m. This figure is estimated from the gross margin of €918,262 and 2,283 comparable companies of the same size. It probably lies between €1.3m and €3.7m. It is a rough estimate.Financials
Is ST.-PAUL A&T profitable?
In financial year 2025, ST.-PAUL A&T made a profit of €4,338.
Where can I find the annual accounts of ST.-PAUL A&T?
ST.-PAUL A&T filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of ST.-PAUL A&T due?
ST.-PAUL A&T must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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