Summary
PADEBIE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €19k and a net result of €164k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 113 sector peers (fiscal year 2026). The company has been active since 2015 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 113 sector peers (2026).
NBB · sector comparisonPosition among 113 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 05-05-2026, 179 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
179 d early
2025
36 d early
2024
42 d early
2023
181 d early
2022
33 d early
2021
53 d early
2020
52 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 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€19k=
2025 · €19k
2019: €11k
2020: €90k
2021: €175k
2022: €42k
2023: €20k
2024: €109k
2025: €19k
2019 → 2026
Net result
€164k▲ 79.0%
2025 · €92k
2019: €-10k
2020: €93k
2021: €77k
2022: €104k
2023: €118k
2024: €114k
2025: €92k
2019 → 2026
Total assets
€210k▼ 19.6%
2025 · €262k
2019: €32k
2020: €125k
2021: €189k
2022: €288k
2023: €174k
2024: €164k
2025: €262k
2019 → 2026
Solvency
8.8%▲ 1.7pp
2025 · 7.1%
2019: 34.7%
2020: 72.2%
2021: 92.4%
2022: 14.7%
2023: 11.7%
2024: 66.3%
2025: 7.1%
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€42k-€20k▼ 51.8%€109k▲ 433%€19k▼ 82.9%€19k=
Operating result€132k-€153k▲ 15.9%€149k▼ 2.5%€119k▼ 20.4%€213k▲ 79.2%
Net result€104k-€118k▲ 12.9%€114k▼ 3.5%€92k▼ 19.2%€164k▲ 79.0%
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 2026; 2026 is 79% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €210k
Fixed assets
€56k ▼ 8.0%
Current assets
€155k ▼ 23.1%
Equity and liabilities €210k
Equity
€19k =
Debt
€192k ▼ 21.1%
Debt's share of the balance-sheet total falls from 92.9% to 91.2%. Debt is lower.
Key figures and ratios
ROE
882.6%▲
2025 · 493.1%
ROA
78.1%▲
2025 · 35.1%
Debt ≤ 1 year
€191k▼
2025 · €240k
Income taxes
€49k▲
2025 · €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 · 2026 against 2025 · 48 lines
Balance sheet
Code20252026
Assets
Total assets20/58€262k€210k▼
Fixed assets21/28€60k€56k▼
Tangible fixed assets22/27€60k€56k▼
Furniture and vehicles24€60k€46k▼
Other tangible fixed assets26-€10k
Current assets29/58€201k€155k▼
Amounts receivable within one year40/41€24k€26k▲
Trade receivables40€20k€25k▲
Other amounts receivable41€4k€1k▼
Cash at bank and in hand54/58€177k€128k▼
Deferred charges and accrued income490/1€280€294▲
Equity and liabilities
Total equity and liabilities10/49€262k€210k▼
Equity10/15€19k€19k=
Contributions10/11€19k€19k=
Reserves13€0-
Distributable reserves133€0-
Profit (loss) carried forward14€0€0=
Amounts payable17/49€243k€192k▼
Amounts payable within one year42/48€240k€191k▼
Financial debts43€1k€169▼
Credit institutions430/8€0-
Other loans439€1k€169▼
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€10k€17k▲
Taxes450/3€8k€15k▲
Remuneration and social security454/9€3k€3k▼
Other amounts payable47/48€225k€169k▼
Accrued charges and deferred income492/3€3k€712▼
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€15k▲
Other operating charges640/8€966€1k▲
Non-recurring operating charges66A€589€0▼
Gross operating margin9900€133k€229k▲
Operating profit (loss)9901€119k€213k▲
Financial income75/76B€784€600▼
Recurring financial income75€784€600▼
Financial charges65/66B€3k€103▼
Recurring financial charges65€3k€103▼
Profit (loss) for the period before taxes9903€116k€213k▲
Income taxes67/77€24k€49k▲
Profit (loss) for the period9904€92k€164k▲
Profit (loss) for the period to be appropriated9905€92k€164k▲
Appropriation of the result
Profit (loss) to be appropriated9906€92k€164k▲
Transfer from equity791/2€90k€0▼
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€182k€164k▼
Return on contributions (dividend)694€182k€164k▼
The notes to these accounts (8 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 2027, expected by
2026
05-05
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-03
Financial
Highest result since 2019net €164k ▲79%
Operating result €213k, net result €164k, both a record.
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 2.94
Current ratio from 1.14 to 2.94; short-term debt falls from €152k to €55k.
31-03
Financial
Equity above €100kEq €109k ▲433%
5 profitable years in a row build equity to €109k.
2023
03-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
08-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Liquidity quadruplescurrent ratio 14.46
Current ratio from 3.63 to 14.46; short-term debt falls from €34k to €13k.
31-03
Financial
Equity above €150kEq €175k ▲93.6%
2 profitable years in a row build equity to €175k.
2020
09-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
31-03
Financial
Back to profitnet €93k
Net result €93k after one loss-making year.
31-03
Financial
Liquidity triplescurrent ratio 3.63
Current ratio from 1.44 to 3.63.
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
03-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
25-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro 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, Kluisbergen · 1 establishment unit since 2015
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.
Ommeslagestraat 29690 KluisbergenGround area
6,483 m²
Building footprint
160 m²
Volume, LiDAR
902 m³
Parcel 45058A1219/00F000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PADEBIE
since 20152.241.951.892
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45058A1219/00F000 | Flanders | 6,483 m² | 1 · 160 m² | 8.4 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.
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SOLLERTIS CONSULT
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 7,170 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
Founded12-05-2015
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
46190Agents in non-specialised wholesale trade
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.