VAN PAEMEL MARC
ActiveSummary
VAN PAEMEL MARC has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €349k and a net result of €18k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 95% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 14.69 against 12.27 in 2024; short-term debt: 6.2% and cash: 87.4% of total assets), and 6.2% 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.
−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 43
Relative position
BE, all sectors
reference
Sector 43
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
93.8%
Return on assets
4.9%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
28 d late
2023
18 d late
2022
26 d early
2021
34 d early
2020
32 d early
2019
32 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€349k▲ 5.5%
2024 · €331k
2018: €196k
2019: €220k
2020: €245k
2021: €268k
2022: €299k
2023: €313k
2024: €331k
2018 → 2025
Total assets
€372k▲ 4.3%
2024 · €357k
2018: €282k
2019: €309k
2020: €320k
2021: €323k
2022: €379k
2023: €376k
2024: €357k
2018 → 2025
Net result
€18k▲ 3.1%
2024 · €18k
2018: €61k
2019: €24k
2020: €25k
2021: €24k
2022: €30k
2023: €15k
2024: €18k
2018 → 2025
Working capital
€316k▲ 8.5%
2024 · €291k
2018: €146k
2019: €168k
2020: €188k
2021: €215k
2022: €244k
2023: €266k
2024: €291k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€268k-€299k▲ 11.3%€313k▲ 5.0%€331k▲ 5.6%€349k▲ 5.5%
Operating result€32k-€41k▲ 28.8%€22k▼ 46.9%€24k▲ 11.2%€22k▼ 11.2%
Net result€24k-€30k▲ 28.3%€15k▼ 51.1%€18k▲ 18.8%€18k▲ 3.1%
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 11% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €372k
Fixed assets
€33k ▼ 16.6%
Current assets
€339k ▲ 6.9%
Equity and liabilities €372k
Equity
€349k ▲ 5.5%
Debt
€23k ▼ 10.7%
Debt's share of the balance-sheet total falls from 7.2% to 6.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€28k▼
2024 · €32k
Cash flow
€25k▼
2024 · €25k
Current ratio
14.69▲
2024 · 12.27
Debt to equity
0.07▼
2024 · 0.08
ROE
5.2%▼
2024 · 5.3%
ROA
4.9%▼
2024 · 4.9%
Interest coverage
307.53▼
2024 · 520.49
Debt ≤ 1 year
€23k▼
2024 · €26k
Income taxes
€11k▲
2024 · €9k
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€357k€372k▲
Fixed assets21/28€40k€33k▼
Tangible fixed assets22/27€40k€33k▼
Land and buildings22€37k€33k▼
Plant, machinery and equipment23€2k-
Current assets29/58€317k€339k▲
Stocks and contracts in progress3€14k-
Stocks30/36€3k-
Contracts in progress37€11k-
Amounts receivable within one year40/41€710€11k▲
Trade receivables40€710€11k▲
Other amounts receivable41-€686
Cash at bank and in hand54/58€299k€325k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€357k€372k▲
Equity10/15€331k€349k▲
Contributions10/11€19k€19k=
Reserves13€312k€331k▲
Tax-exempt reserves132€4k-
Distributable reserves133€308k€331k▲
Amounts payable17/49€26k€23k▼
Amounts payable within one year42/48€26k€23k▼
Trade debts44€8k€5k▼
Suppliers440/4€8k€5k▼
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Other amounts payable47/48€11k€12k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€34k€30k▼
Operating profit (loss)9901€24k€22k▼
Financial income75/76B€2k€7k▲
Recurring financial income75€2k€7k▲
Financial charges65/66B€61€92▲
Recurring financial charges65€61€92▲
Profit (loss) for the period before taxes9903€26k€29k▲
Income taxes67/77€9k€11k▲
Profit (loss) for the period9904€18k€18k▲
Transfer from tax-exempt reserves789-€4k
Profit (loss) for the period to be appropriated9905€18k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€23k▲
Transfer to equity691/2€18k€23k▲
To other reserves6921€18k€23k▲
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
2026
30-07
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
31-12
Financial
Liquidity doublescurrent ratio 12.27
Current ratio from 5.28 to 12.27; short-term debt falls from €62k to €26k.
18-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 18 days late
2023
31-12
Financial
Weakest financial yearnet €15k ▼51.1%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €220k ▲12.5%
2 profitable years in a row build equity to €220k.
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 16 days late
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zottegem · 1 establishment unit since 2003
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.
Wijnhuizestraat 969620 ZottegemGround area
3,028 m²
Building footprint
249 m²
Volume, LiDAR
1,296 m³
Parcel 41017B0261/00L000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Wijnhuizestraat 96, 9620 Zottegem
since 20032.126.674.322
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41017B0261/00L000 | Flanders | 3,028 m² | 1 · 249 m² | 9.6 m · 2 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.
Similar companies · same sector, comparable size
BERVAN DESIGN
BE 0888.257.704
Tielt · Eq €349,195
PIETER VANDENBERGHE
BE 0822.029.864
Anzegem · Eq €349,236
EUROBOX CONTINENTAL
BE 0548.955.860
Wijnegem · Eq €348,908
COLJON D.
BE 0475.478.756
Arlon · Eq €348,471
FONS MARTENS
BE 0420.418.883
Hoogstraten · Eq €348,466
Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 6,635 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
Founded07-04-2003
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.