PABLO EN ZONEN
ActiveSummary
PABLO EN ZONEN has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €-2k. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 41% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▼-33
Solvency62▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.47 against 2.82 in 2024; short-term debt: 26.3% of total assets), but 62.7% of the assets are financed with debt.
Credit advice 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
37.3%
Return on assets
-2.4%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
29 d late
2023
14 d late
2022
28 d late
2021
32 d early
2020
2 d early
2019
39 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, abbreviated schema
Equity
€34k▼ 6.1%
2024 · €36k
2018: €30k
2019: €14k
2020: €26k
2021: €36k
2022: €30k
2023: €31k
2024: €36k
2018 → 2025
Total assets
€91k▼ 5.6%
2024 · €97k
2018: €162k
2019: €119k
2020: €116k
2021: €111k
2022: €104k
2023: €97k
2024: €97k
2018 → 2025
Net result
€-2k
2024 · €5k
2018: €-21k
2019: €-17k
2020: €13k
2021: €10k
2022: €-6k
2023: €923
2024: €5k
2018 → 2025
Working capital
€35k▼ 6.2%
2024 · €38k
2018: €16k
2019: €3k
2020: €25k
2021: €37k
2022: €32k
2023: €33k
2024: €38k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€36k-€30k▼ 15.5%€31k▲ 3.0%€36k▲ 15.9%€34k▼ 6.1%
Operating result€13k-€-3k€3k€7k▲ 133%€-257
Net result€10k-€-6k€923€5k▲ 439%€-2k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €257 after €7k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €91k
Fixed assets
€32k ▼ 16.5%
Current assets
€59k ▲ 1.6%
Equity and liabilities €91k
Equity
€34k ▼ 6.1%
Debt
€57k ▼ 5.3%
Debt's share of the balance-sheet total rises from 62.5% to 62.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€6k▼
2024 · €14k
Cash flow
€4k▼
2024 · €11k
Current ratio
2.47▼
2024 · 2.82
Debt to equity
1.68▲
2024 · 1.67
ROE
-6.5%▼
2024 · 13.7%
ROA
-2.4%▼
2024 · 5.1%
Interest coverage
3.11▼
2024 · 6.68
Debt ≤ 1 year
€24k▲
2024 · €21k
Debt > 1 year
€33k▼
2024 · €40k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€97k€91k▼
Fixed assets21/28€38k€32k▼
Tangible fixed assets22/27€38k€32k▼
Land and buildings22€38k€32k▼
Current assets29/58€58k€59k▲
Amounts receivable within one year40/41€58k€59k▲
Trade receivables40€6k€8k▲
Other amounts receivable41€51k€51k▼
Deferred charges and accrued income490/1€601€654▲
Equity and liabilities
Total equity and liabilities10/49€97k€91k▼
Equity10/15€36k€34k▼
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€27k€27k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€16k€16k=
Distributable reserves133€9k€9k=
Profit (loss) carried forward14€3k€726▼
Amounts payable17/49€61k€57k▼
Amounts payable after more than one year17€40k€33k▼
Financial debts170/4€40k€33k▼
Amounts payable within one year42/48€21k€24k▲
Current portion of amounts payable after more than one year42€6k€7k▲
Financial debts43€5k€8k▲
Credit institutions430/8€5k€2k▼
Other loans439-€5k
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€260-
Taxes450/3€260-
Other amounts payable47/48€6k€6k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€15k€8k▼
Operating profit (loss)9901€7k€-257▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€5k€-2k▼
Income taxes67/77€260-
Profit (loss) for the period9904€5k€-2k▼
Profit (loss) for the period to be appropriated9905€5k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€726▼
Profit (loss) brought forward from the previous period14P€3k€3k=
Transfer to equity691/2€5k-
To the legal reserve6920€5k-
The notes to these accounts (4 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial
Back to profitnet €923
Net result €923 after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
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
4 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 · 1 establishment unit since 2011
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.
Louis Wanbecqstraat 202100 AntwerpenGround area
328 m²
Building footprint
120 m²
Volume, LiDAR
1,071 m³
Parcel 11343A0589/00W016, Flanders · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PABLO EN ZONEN
since 20112.199.540.821
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11343A0589/00W016 | Flanders | 328 m² | 1 · 120 m² | 10.1 m · 3 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
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DAVA
BE 0797.532.713
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VAN POUCKE KENNY
BE 0886.389.958
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ENTREPRISES DE NORA
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Of 4,012 companies in sector 43310 we hold annual accounts for 1,745. 1,471 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
Founded20-04-2011
Fiscal year end31-12
Activities, NACEBEL 2025
43310Plastering work
43120Site preparation
43422Screed work
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.