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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of PAK 786 is 2.7% (moderate). The 2024 annual accounts show equity of €10k and a net result of €6k. Its solvency ranks better than 43% of 6698 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 13 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-06-2025, 36 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 25-06-2025 | 36 d early | 2025-00176741 |
| 31-12-2023 | 31-07-2024 | 31-08-2024 | 31 d late | 2024-00425706 |
| 31-12-2022 | 31-07-2023 | 28-08-2023 | 28 d late | 2023-00400258 |
| 31-12-2021 | 31-07-2022 | 01-06-2023 | 305 d late | 2023-00106942 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.7%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Multiple establishment units
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€634k
EBIT margin1.2%
Net result€6k
Working capital€2k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 25-06-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 14.3% | 20.4% | |
| Net result | €6k | €4k | |
| Equity | €10k | €16k | |
| Gross operating margin | €19k | €24k | |
| Staff costs | €9k | €33k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | €634k |
| EBITDA | - |
| Net profit | €6k |
| Cash flow | - |
| Staff costs | €9k |
| Income taxes | €1k |
| Dividends | - |
| Total assets | €73k |
| Equity | €10k |
| Debt | €63k |
| of which ≤ 1y | €63k |
| of which > 1y | - |
| Working capital | €2k |
| Employees (FTE) | 0.5 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.03 |
| Quick ratio | 0.76 |
| Working capital ratio | 2.6% |
| Solvency | 14.3% |
| Debt / equity | 6.02 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | 2.9% |
| Net margin | 1.0% |
| ROA | 8.3% |
| ROE | 58.4% |
| EBITDA margin | - |
| Days sales outstanding | 20d |
| Days payable outstanding | 34d |
| Inventory turnover | 35.90 |
| Days inventory (DSI) | 10d |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €73k |
| Fixed assets | 21/28 | €9k |
| Financial fixed assets | 28 | €9k |
| Current assets | 29/58 | €65k |
| Stocks & contracts in progress | 3 | €17k |
| Amounts receivable within one year | 40/41 | €35k |
| Cash & bank | 54/58 | €12k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €73k |
| Equity | 10/15 | €10k |
| Contributions / capital | 10/11 | €3k |
| Reserves | 13 | €169 |
| Accumulated profits (losses) | 14 | €7k |
| Amounts payable | 17/49 | €63k |
| Amounts payable within one year | 42/48 | €63k |
| Trade debts payable within one year | 44 | €57k |
| Income statement | ||
| Turnover | 70 | €634k |
| Gross operating margin | 9900 | €19k |
| Operating result | 9901 | €8k |
| Financial charges | 65 | €404 |
| Result before taxes | 9903 | €7k |
| Income taxes | 67/77 | €1k |
| Net result for the period | 9904 | €6k |
| Result to be appropriated | 9905 | €6k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed55
/ 100
Fair
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
2 locationsJ&B NACHT WINKEL
since 20202.306.873.202
J&B DAG WINKEL
since 20232.353.248.011
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area613 m²
Buildings2
Building footprint372 m²
Volume (LiDAR)2,508 m³
Tallest building13.0 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45028B0675/00R003 | Flanders | 375 m² | 1 · 228 m² | 10.8 m · 2 fl. |
| 45028A0553/00H000 | Flanders | 238 m² | 1 · 143 m² | 13.0 m · 3 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
2 acts Capital history · 2
07-08-2023
Capital change
23-02-2022
Capital change
All acts · 2
updated 3 years ago
2023
07-08-2023 Transaction in capital or shares
2022
23-02-2022 Transaction in capital or shares
Analysis
Snowflake analysis
financial profile on 5 axes55
/ 100
Mixed profile: strong on stability, weaker on solvency.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
55
Profitability
65
Solvency
21
Growth
-
Stability
79
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Company registry
Company registry (CBE)
Crossroads BankActivities
Overige detailhandel in voedingsmiddelen, neg47279Overige detailhandel in voedingsmiddelen in gespecialiseerde winkels, n.e.g.47299
Primary activity highlighted.
Names & trade names
| Legal nameNL | PAK 786 |
Registered office
Stationsstraat 62
9660 Brakel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.