PALJ SERVICES
ActivePALJ SERVICES has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €7k. Equity is growing by ~20.5% per year across the filed fiscal years. Its solvency ranks better than 89% of 4354 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 5.02 against 6.5 in 2024), and 17.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
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
82.4%
Return on assets
32.3%
Age of the figures
8 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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 · 8 filingsDeviation from the deadline
2025
14 d late
2024
30 d late
2023
28 d late
2022
11 d late
2021
27 d late
2020
29 d late
2019
26 d late
← before the deadline
after the deadline →
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
09-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€17k▲ 64.6%
2024 · €10k
2018: €3k
2019: €4k
2020: €10k
2021: €8k
2022: €9k
2023: €5k
2024: €10k
2018 → 2025
Total assets
€21k▲ 76.7%
2024 · €12k
2018: €6k
2019: €10k
2020: €11k
2021: €10k
2022: €11k
2023: €9k
2024: €12k
2018 → 2025
Net result
€7k▲ 34.3%
2024 · €5k
2018: €-3k
2019: €380
2020: €6k
2021: €-2k
2022: €1k
2023: €-4k
2024: €5k
2018 → 2025
Working capital
€15k▲ 96.5%
2024 · €7k
2018: €81
2019: €1k
2020: €9k
2021: €7k
2022: €9k
2023: €3k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€9k▲ 18.2%€5k▼ 42.5%€10k▲ 92.7%€17k▲ 64.6%
Operating result€-2k-€2k€-4k€6k€9k▲ 62.9%
Net result€-2k-€1k€-4k€5k€7k▲ 34.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 63% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €21k
Fixed assets
€2k▼ 16.6%
Current assets
€18k▲ 108%
Equity and liabilities €21k
Equity
€17k▲ 64.6%
Debt
€4k▲ 169%
The debt ratio rises from 11.6% to 17.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€10k▲
2024 · €6k
Cash flow
€7k▲
2024 · €5k
Solvency
82.4%▼
2024 · 88.4%
Current ratio
5.02▼
2024 · 6.50
Quick ratio
5.02▼
2024 · 6.50
Debt / equity
0.21▲
2024 · 0.13
ROE
39.3%▼
2024 · 48.1%
ROA
32.3%▼
2024 · 42.6%
Interest coverage
70.99▲
2024 · 46.47
Debt
€4k▲
2024 · €1k
Debt ≤ 1 year
€4k▲
2024 · €1k
Income taxes
€3k▲
2024 · €721
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€12k€21k▲
Formation expenses20€0€0=
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€507€325▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€9k€18k▲
Amounts receivable within one year40/41€786€5k▲
Trade receivables40€786€5k▲
Cash at bank and in hand54/58€7k€12k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€12k€21k▲
Equity10/15€10k€17k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€4k€11k▲
Amounts payable17/49€1k€4k▲
Amounts payable within one year42/48€1k€4k▲
Trade debts44-€176
Suppliers440/4-€176
Taxes, remuneration and social security45€1k€3k▲
Taxes450/3€1k€3k▲
Accrued charges and deferred income492/3-€5
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€339€482▲
Other operating charges640/8€793€914▲
Gross operating margin9900€7k€11k▲
Operating profit (loss)9901€6k€9k▲
Financial charges65/66B€133€140▲
Recurring financial charges65€133€140▲
Profit (loss) for the period before taxes9903€6k€9k▲
Income taxes67/77€721€3k▲
Profit (loss) for the period9904€5k€7k▲
Profit (loss) for the period to be appropriated9905€5k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€11k▲
Profit (loss) brought forward from the previous period14P€-838€4k▲
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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
31-12
Financial
Highest result since 2018net €7k ▲34.3%
Operating result €9k, net result €7k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 6.50
Current ratio from 1.71 to 6.50; short-term debt falls from €4k to €1k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €-4k ▼377%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
31-12
Financial
Liquidity times 12current ratio 15.28
Current ratio from 1.24 to 15.28; short-term debt falls from €6k to €632.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Back to profitnet €380
Net result €380 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Charleroi · 1 establishment unit since 2018
Ground area
109 m²
Building footprint
91 m²
Volume, LiDAR
2,395 m³
Parcel 52011B0239/00V084, Wallonia · tallest building 27.6 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
PALJ SERVICES
since 20182.273.114.529
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011B0239/00V084 | Wallonia | 109 m² | 1 · 91 m² | 27.6 m · 9 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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Of 21,144 companies in sector 81300 we hold annual accounts for 4,343. 2,981 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-02-2018
Fiscal year end31-12
Activities, NACEBEL
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.