FREDERIK PASCAL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €243k and a net result of €60k. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 48% of 8006 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 12-03-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
on the day
2023
48 d early
2022
44 d early
2021
73 d early
2020
30 d early
2019
50 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€243k▲ 12.4%
2024 · €216k
2018: €102k
2019: €136k
2020: €161k
2021: €108k
2022: €149k
2023: €169k
2024: €216k
2018 → 2025
Net result
€60k▲ 27.9%
2024 · €47k
2018: €23k
2019: €34k
2020: €31k
2021: €17k
2022: €46k
2023: €50k
2024: €47k
2018 → 2025
Total assets
€498k▲ 8.3%
2024 · €460k
2018: €553k
2019: €537k
2020: €538k
2021: €527k
2022: €417k
2023: €441k
2024: €460k
2018 → 2025
Solvency
48.7%▲ 1.8pp
2024 · 46.9%
2018: 18.4%
2019: 25.3%
2020: 30.0%
2021: 20.6%
2022: 35.8%
2023: 38.3%
2024: 46.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€108k-€149k▲ 37.8%€169k▲ 13.1%€216k▲ 27.9%€243k▲ 12.4%
Operating result€30k-€74k▲ 150%€80k▲ 8.5%€74k▼ 7.6%€92k▲ 24.4%
Net result€17k-€46k▲ 165%€50k▲ 9.5%€47k▼ 5.8%€60k▲ 27.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 24% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €498k
Fixed assets
€240k▼ 9.4%
Current assets
€258k▲ 32.2%
Equity and liabilities €498k
Equity
€243k▲ 12.4%
Debt
€256k▲ 4.7%
The debt ratio falls from 53.1% to 51.3%. Equity and debt are higher.
Key figures and ratios
Solvency
48.7%▲
2024 · 46.9%
ROE
24.8%▲
2024 · 21.8%
ROA
12.1%▲
2024 · 10.2%
Debt
€256k▲
2024 · €244k
Debt ≤ 1 year
€126k▲
2024 · €88k
Debt > 1 year
€127k▼
2024 · €154k
Income taxes
€30k▲
2024 · €24k
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€460k€498k▲
Fixed assets21/28€265k€240k▼
Tangible fixed assets22/27€265k€240k▼
Furniture and vehicles24€756€0▼
Other tangible fixed assets26€264k€240k▼
Financial fixed assets28€50€50=
Current assets29/58€195k€258k▲
Amounts receivable within one year40/41€4k€24k▲
Trade receivables40€0€17k▲
Other amounts receivable41€4k€6k▲
Current investments50/53€164k€226k▲
Cash at bank and in hand54/58€13k€8k▼
Deferred charges and accrued income490/1€14k€1k▼
Equity and liabilities
Total equity and liabilities10/49€460k€498k▲
Equity10/15€216k€243k▲
Reserves13€216k€243k▲
Tax-exempt reserves132€869€869=
Distributable reserves133€215k€242k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€244k€256k▲
Amounts payable after more than one year17€154k€127k▼
Financial debts170/4€154k€127k▼
Amounts payable within one year42/48€88k€126k▲
Current portion of amounts payable after more than one year42€26k€26k▲
Trade debts44€708€49▼
Suppliers440/4€708€49▼
Advances received on contracts in progress46€8k€4k▼
Taxes, remuneration and social security45€8k€14k▲
Taxes450/3€8k€14k▲
Other amounts payable47/48€45k€82k▲
Accrued charges and deferred income492/3€3k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€25k▼
Other operating charges640/8€7k€4k▼
Gross operating margin9900€106k€121k▲
Operating profit (loss)9901€74k€92k▲
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€71k€90k▲
Income taxes67/77€24k€30k▲
Profit (loss) for the period9904€47k€60k▲
Profit (loss) for the period to be appropriated9905€47k€60k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€60k▲
Transfer from equity791/2-€34k
Transfer to equity691/2€47k€60k▲
To other reserves6921€47k€60k▲
Profit to be distributed694/7-€34k
Return on contributions (dividend)694-€34k
The notes to these accounts (9 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
12-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €60k ▲27.9%
Operating result €92k, net result €60k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €200kEq €216k ▲27.9%
7 profitable years in a row build equity to €216k.
13-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €150kEq €169k ▲13.1%
6 profitable years in a row build equity to €169k.
17-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €17k ▼43.7%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €150kEq €161k ▲19.1%
3 profitable years in a row build equity to €161k.
11-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-04
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.
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, Gent · 1 establishment unit since 2012
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.
Frederik Burvenichstraat 659050 GentGround area
165 m²
Building footprint
76 m²
Volume, LiDAR
709 m³
Parcel 44362B0246/00E002, Flanders · tallest building 13.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Frederik Pascal
since 20122.210.287.035
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44362B0246/00E002 | Flanders | 165 m² | 1 · 76 m² | 13.8 m · 4 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
Henrard Solutions Management
BE 0654.724.363
Plombières · Eq €243k
SOLFIN
BE 0436.505.146
Sint-Pieters-Woluwe · Eq €243k
SCELTA
BE 0463.814.309
Oud-Turnhout · Eq €243k
AVERKO
BE 0880.579.262
Staden · Eq €243k
Uhoda Icadi
BE 0794.278.362
Liège · Eq €243k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,759. 13,618 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-05-2012
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
71121Engineering and related technical consultancy, excluding land surveyors
41001General construction of residential buildings
70100Activities of head offices
71111Activities of building architects
71209Other technical testing and analysis
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.