Summary
PACLA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €695k and a net result of €2k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 63% of 9863 sector peers (fiscal year 2024). The company has been active since 2003 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-07-2025, 14 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
14 d early
2023
3 d early
2022
2 d early
2021
59 d late
2020
102 d late
2019
90 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€695k▲ 0.3%
2023 · €693k
2018: €447k
2019: €376k
2020: €506k
2021: €607k
2022: €645k
2023: €693k
2018 → 2024
Net result
€2k▼ 95.2%
2023 · €48k
2018: €132k
2019: €-71k
2020: €130k
2021: €101k
2022: €38k
2023: €48k
2018 → 2024
Total assets
€1.03M▼ 5.1%
2023 · €1.08M
2018: €1.81M
2019: €1.58M
2020: €1.38M
2021: €1.17M
2022: €1.11M
2023: €1.08M
2018 → 2024
Solvency
67.7%▲ 3.7pp
2023 · 64.0%
2018: 24.7%
2019: 23.8%
2020: 36.7%
2021: 51.8%
2022: 58.1%
2023: 64.0%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€506k-€607k▲ 20.0%€645k▲ 6.3%€693k▲ 7.4%€695k▲ 0.3%
Operating result€181k-€162k▼ 10.4%€61k▼ 62.2%€74k▲ 20.6%€13k▼ 82.2%
Net result€130k-€101k▼ 22.2%€38k▼ 62.3%€48k▲ 26.0%€2k▼ 95.2%
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 falls in 2024; 2024 is 82% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.03M
Fixed assets
€845k ▲ 10.3%
Current assets
€183k ▼ 42.3%
Equity and liabilities €1.03M
Equity
€695k ▲ 0.3%
Debt
€332k ▼ 14.8%
Debt's share of the balance-sheet total falls from 36.0% to 32.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
0.3%▼
2023 · 6.9%
ROA
0.2%▼
2023 · 4.4%
Debt ≤ 1 year
€78k▼
2023 · €84k
Debt > 1 year
€254k▼
2023 · €306k
Income taxes
€5k▼
2023 · €24k
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 · 2024 against 2023 · 46 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.08M€1.03M▼
Fixed assets21/28€766k€845k▲
Tangible fixed assets22/27€766k€845k▲
Land and buildings22€757k€838k▲
Plant, machinery and equipment23€8k€7k▼
Furniture and vehicles24€2k€762▼
Current assets29/58€317k€183k▼
Amounts receivable within one year40/41€10k€25k▲
Trade receivables40€4k€3k▼
Other amounts receivable41€6k€22k▲
Current investments50/53€100k€50k▼
Cash at bank and in hand54/58€188k€108k▼
Deferred charges and accrued income490/1€19k€0▼
Equity and liabilities
Total equity and liabilities10/49€1.08M€1.03M▼
Equity10/15€693k€695k▲
Contributions10/11€100k€100k=
Reserves13€593k€595k▲
Tax-exempt reserves132€7k€7k=
Distributable reserves133€586k€588k▲
Amounts payable17/49€390k€332k▼
Amounts payable after more than one year17€306k€254k▼
Financial debts170/4€306k€254k▼
Amounts payable within one year42/48€84k€78k▼
Current portion of amounts payable after more than one year42€52k€54k▲
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Advances received on contracts in progress46-€6k
Taxes, remuneration and social security45€22k€5k▼
Taxes450/3€19k€5k▼
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€3k€9k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€36k▲
Other operating charges640/8€4k€7k▲
Gross operating margin9900€110k€56k▼
Operating profit (loss)9901€74k€13k▼
Financial income75/76B€9k€4k▼
Recurring financial income75€9k€4k▼
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€73k€7k▼
Income taxes67/77€24k€5k▼
Profit (loss) for the period9904€48k€2k▼
Profit (loss) for the period to be appropriated9905€48k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€2k▼
Transfer to equity691/2€48k€2k▼
To other reserves6921€48k€2k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 59 days late
2021
10-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 102 days late
2020
31-12
Financial
Back to profitnet €130k
Net result €130k after one loss-making year.
31-12
Financial
Equity above €500kEq €506k ▲34.5%
Equity rises from €376k to €506k.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 90 days late
2019
31-12
Financial
Weakest financial yearnet €-71k
Net result drops to €-71k, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Lanaken · 1 establishment unit since 2003
Ground area
1,196 m²
Building footprint
202 m²
Volume, LiDAR
735 m³
Parcel 73042D0509/00P000, Flanders · tallest building 6.2 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
PACLA
since 20032.133.681.878
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73042D0509/00P000 | Flanders | 1,196 m² | 1 · 202 m² | 6.2 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 435 EUR awarded · 435 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 435 EUR | 435 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 13,326 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
Founded25-03-2003
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.