KLEPPER Pascal
ActiveSummary
KLEPPER Pascal has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74,446 and a net result of €148,456. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 7930 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability90=
Solvency34=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity short (current ratio 0.83 against 0.85 in 2024; short-term debt: 42.7% and cash: 15.4% of total assets), and 91.4% of the assets are financed with debt.
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Signals
Six 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
8.6%
Return on assets
17.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 7930 sector peers (2025).
NBB · sector comparisonPosition among 7930 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
30 d early
2023
28 d late
2022
42 d early
2021
53 d early
2020
29 d late
2019
61 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 3 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
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. Usually files around 1 July (4 of the last 5 filed years within 55 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#4 oldest company in Neufchâteau, Construction sector
Turnover
€826,461
EBIT margin
-3.4%
Net result
€148,456▼ 0.7%
2024 · €149,437
Working capital
-€62,046▼ 30.6%
2024 · -€47,514
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result€72,065▲ 13.6%€173,973▲ 141%€230,572▲ 32.5%€201,205▼ 12.7%€222,022▲ 10.3%
Net result€48,778within the sector's middle half▼ 1.0%€128,129above the sector's middle half▲ 163%€168,821above the sector's middle half▲ 31.8%€149,437above the sector's middle half▼ 11.5%€148,456above the sector's middle half▼ 0.7%
EBIT margin
Equity€59,603within the sector's middle half▼ 26.3%€27,732below the sector's middle half▼ 53.5%€21,553below the sector's middle half▼ 22.3%€80,990below the sector's middle half▲ 276%€74,446within the sector's middle half▼ 8.1%
Total assets€345,514within the sector's middle half▼ 5.9%€399,296within the sector's middle half▲ 15.6%€512,795within the sector's middle half▲ 28.4%€897,036within the sector's middle half▲ 74.9%€864,356within the sector's middle half▼ 3.6%
Debt€282,852▲ 0.4%€370,034▲ 30.8%€491,241▲ 32.8%€791,852▲ 61.2%€768,216▼ 3.0%
Working capital-€21,419below the sector's middle half-€51,494below the sector's middle half▼ 140%-€57,443below the sector's middle half▼ 11.6%-€47,514below the sector's middle half▲ 17.3%-€62,046below the sector's middle half▼ 30.6%
Solvency17.3%below the sector's middle half▼ 4.8pp6.9%below the sector's middle half▼ 10.3pp4.2%below the sector's middle half▼ 2.7pp9.0%below the sector's middle half▲ 4.8pp8.6%below the sector's middle half▼ 0.4pp
Current ratio0.88below the sector's middle half▼ 0.210.84below the sector's middle half▼ 0.040.85below the sector's middle half▲ 0.010.85below the sector's middle half=0.83below the sector's middle half▼ 0.02
Return on assets (ROA)14.1%above the sector's middle half▲ 0.7pp32.1%above the sector's middle half▲ 18.0pp32.9%above the sector's middle half▲ 0.8pp16.7%above the sector's middle half▼ 16.3pp17.2%above the sector's middle half▲ 0.5pp
Staff (FTE)3.8within the sector's middle half▼ 5.0%3.1below the sector's middle half▼ 18.4%2.9below the sector's middle half▼ 6.5%2.8below the sector's middle half▼ 3.4%2.8within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 10% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €864,356
Fixed assets
€557,656 ▼ 10.4%
Current assets
€306,700 ▲ 11.7%
Equity and liabilities €864,356
Equity
€74,446 ▼ 8.1%
Provisions
€21,694 ▼ 10.3%
Debt
€768,216 ▼ 3.0%
Debt's share of the balance-sheet total rises from 88.3% to 88.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€324,577▲
2024 · €267,555
Cash flow
€251,012▲
2024 · €215,786
Quick ratio
0.59▼
2024 · 0.67
Debt to equity
10.32▲
2024 · 9.78
ROE
199.4%▲
2024 · 184.5%
Interest coverage
13.58▼
2024 · 14.96
Debt ≤ 1 year
€368,746▲
2024 · €322,023
Debt > 1 year
€399,470▼
2024 · €469,829
Income taxes
€58,251▲
2024 · €17,759
Staff costs
€177,456▲
2024 · €169,211
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 928 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
4.5%
stopped otherwise
93%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 928 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €1,204 | €8,506 | - | - | - | - |
| Remuneration, social security and pensions62 | €191,054 | €168,208 | €156,990 | €169,211 | €177,456 | ▲ 4.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €82,536 | €62,891 | €65,772 | €66,350 | €102,556 | ▲ 54.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €15,900 | - |
| Other operating charges640/8 | €7,620 | €13,052 | €9,006 | €5,802 | €15,974 | ▲ 175% |
| Gross operating margin9900 | €353,276 | €418,123 | €462,341 | €442,568 | €533,907 | ▲ 20.6% |
| Operating profit (loss)9901 | €72,065 | €173,973 | €230,572 | €201,205 | €222,022 | ▲ 10.3% |
| Financial income75/76B | €6,063 | €7,625 | €7,416 | €8,074 | €6,093 | ▼ 24.5% |
| Recurring financial income75 | €6,063 | €7,625 | €7,416 | €8,074 | €6,093 | ▼ 24.5% |
| Financial charges65/66B | €6,244 | €6,051 | €9,108 | €17,890 | €23,907 | ▲ 33.6% |
| Recurring financial charges65 | €6,244 | €6,051 | €9,108 | €17,890 | €23,907 | ▲ 33.6% |
| Profit (loss) for the period before taxes9903 | €71,884 | €175,547 | €228,880 | €191,389 | €204,208 | ▲ 6.7% |
| Transfer from deferred taxes780 | €1,530 | €1,530 | €1,530 | €806 | €2,500 | ▲ 210% |
| Transfer to deferred taxes680 | - | - | - | €25,000 | - | - |
| Income taxes67/77 | €24,636 | €48,948 | €61,589 | €17,759 | €58,251 | ▲ 228% |
| Profit (loss) for the period9904 | €48,778 | €128,129 | €168,821 | €149,437 | €148,456 | ▼ 0.7% |
| Transfer from tax-exempt reserves789 | €2,970 | €2,970 | €2,970 | €2,418 | €7,500 | ▲ 210% |
| Transfer to tax-exempt reserves689 | - | - | - | €75,000 | - | - |
| Profit (loss) for the period to be appropriated9905 | €51,748 | €131,099 | €171,791 | €76,855 | €155,956 | ▲ 103% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €345,514 | €399,296 | €512,795 | €897,036 | €864,356 | ▼ 3.6% |
| Formation expenses20 | - | - | €0 | €0 | €0 | - |
| Fixed assets21/28 | €187,079 | €118,737 | €177,311 | €622,527 | €557,656 | ▼ 10.4% |
| Tangible fixed assets22/27 | €186,736 | €118,394 | €176,968 | €622,184 | €557,313 | ▼ 10.4% |
| Land and buildings22 | €17,760 | €18,201 | €32,349 | €48,877 | €41,537 | ▼ 15.0% |
| Plant, machinery and equipment23 | €5,057 | €5,181 | €10,889 | €28,304 | €21,941 | ▼ 22.5% |
| Furniture and vehicles24 | €33,377 | €27,752 | €3,733 | €791 | €9,276 | ▲ 1,073% |
| Leasing and similar rights25 | €130,543 | €67,260 | €129,998 | €544,212 | €484,559 | ▼ 11.0% |
| Financial fixed assets28 | €343 | €343 | €343 | €343 | €343 | = |
| Current assets29/58 | €158,435 | €280,559 | €335,484 | €274,509 | €306,700 | ▲ 11.7% |
| Stocks and contracts in progress3 | €95,349 | €92,839 | €65,794 | €58,662 | €88,656 | ▲ 51.1% |
| Stocks30/36 | €95,349 | €92,839 | €65,794 | €58,662 | €88,656 | ▲ 51.1% |
| Amounts receivable within one year40/41 | €21,930 | €27,532 | €16,682 | €39,719 | €64,004 | ▲ 61.1% |
| Trade receivables40 | €5,553 | €4,476 | €10,556 | €34,249 | €16,154 | ▼ 52.8% |
| Other amounts receivable41 | €16,377 | €23,056 | €6,126 | €5,470 | €47,850 | ▲ 775% |
| Cash at bank and in hand54/58 | €31,288 | €154,868 | €240,509 | €165,295 | €132,851 | ▼ 19.6% |
| Deferred charges and accrued income490/1 | €9,868 | €5,320 | €12,500 | €10,834 | €21,189 | ▲ 95.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €345,514 | €399,296 | €512,795 | €897,036 | €864,356 | ▼ 3.6% |
| Equity10/15 | €59,603 | €27,732 | €21,553 | €80,990 | €74,446 | ▼ 8.1% |
| Contributions10/11 | €6,197 | €6,197 | €8,057 | €6,197 | €6,197 | = |
| Reserves13 | €15,940 | €12,970 | €8,140 | €72,582 | €65,082 | ▼ 10.3% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Tax-exempt reserves132 | €5,940 | €2,970 | - | €72,582 | €65,082 | ▼ 10.3% |
| Distributable reserves133 | €8,140 | €8,140 | €8,140 | - | - | - |
| Profit (loss) carried forward14 | €37,465 | €8,564 | €5,356 | €2,211 | €3,167 | ▲ 43.3% |
| Provisions and deferred taxes16 | €3,060 | €1,530 | - | €24,194 | €21,694 | ▼ 10.3% |
| Deferred taxes168 | €3,060 | €1,530 | - | €24,194 | €21,694 | ▼ 10.3% |
| Amounts payable17/49 | €282,852 | €370,034 | €491,241 | €791,852 | €768,216 | ▼ 3.0% |
| Amounts payable after more than one year17 | €102,998 | €37,982 | €98,315 | €469,829 | €399,470 | ▼ 15.0% |
| Financial debts170/4 | €102,998 | €37,982 | €98,315 | €469,829 | €399,470 | ▼ 15.0% |
| Amounts payable within one year42/48 | €179,854 | €332,053 | €392,926 | €322,023 | €368,746 | ▲ 14.5% |
| Current portion of amounts payable after more than one year42 | €72,274 | €42,010 | €44,101 | €92,934 | €89,948 | ▼ 3.2% |
| Trade debts44 | €23,274 | €39,320 | €27,238 | €13,288 | €44,448 | ▲ 235% |
| Suppliers440/4 | €23,274 | €39,320 | €27,238 | €13,288 | €44,448 | ▲ 235% |
| Advances received on contracts in progress46 | €8,000 | €35,000 | - | €29,000 | €49,962 | ▲ 72.3% |
| Taxes, remuneration and social security45 | €35,280 | €54,882 | €82,931 | €24,178 | €29,188 | ▲ 20.7% |
| Taxes450/3 | €20,082 | €47,439 | €73,332 | €14,546 | €18,611 | ▲ 27.9% |
| Remuneration and social security454/9 | €15,198 | €7,442 | €9,600 | €9,631 | €10,577 | ▲ 9.8% |
| Other amounts payable47/48 | €41,025 | €160,840 | €238,657 | €162,623 | €155,200 | ▼ 4.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €48,778 | €128,129 | €168,821 | €149,437 | €148,456 | ▼ 0.7% |
| + Depreciation and write-downs630 | €82,536 | €62,891 | €65,772 | €66,350 | €102,556 | ▲ 54.6% |
| Operating cash flow (approximation) | €131,314 | €191,020 | €234,594 | €215,786 | €251,012 | ▲ 16.3% |
| Investment in fixed assets (approximation) | - | €5,452 | -€124,346 | -€511,566 | -€37,684 | ▲ 92.6% |
| Change in cash | - | €123,579 | €85,641 | -€75,214 | -€32,443 | ▲ 56.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-09
State Gazette act
Resignation: Elliot Klepper (director)2 facts ▸
State Gazette act
Resignation: Elliot Klepper (director)
2 facts ▸
- General meeting, 31-08-2026
- Director resignation, Elliot Klepper (director)
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €168,821 ▲31.8%
Operating result €230,572, net result €168,821, both a record.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 29 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 61 days late
2019
31-12
Financial
Back to profitnet €58,269
Net result €58,269 after one loss-making year.
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 153 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 6 acts read
About the unread acts
Of the 6 Belgian State Gazette acts we know for this company, 1 has been read. The other 5 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
no sitting director, last change in 2026
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.
Not every act has been read: a resignation may be missing here
5 of this company's 6 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Neufchâteau · 1 establishment unit since 1998
Ground area
1,574 m²
Building footprint
369 m²
Volume, LiDAR
2,080 m³
Parcel 84026B0160/00M000, Wallonia · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Haut Faing,OFF 5, 6840 Neufchâteau
since 19982.087.584.906
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84026B0160/00M000 | Wallonia | 1,574 m² | 1 · 369 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Elliot Klepper |
|
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Of 8,578 companies in sector 43410 we hold annual accounts for 4,369. 3,800 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded01-04-1998
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
Contact
Website
www.toituresklepper.be
E-mail
klepper.pascal@skynet.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0463015840
Registered
19-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.