Pascal Verloove
ActivePascal Verloove has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €62k and a net result of €83k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 70% of 11323 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency92▲+86
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.08 against 0.76 in 2024; short-term debt: 32.9% and cash: 62.3% of total assets), and 32.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 46
Relative position
BE, all sectors
reference
Sector 46
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
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
67.1%
Return on assets
89.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-12-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
7 d early
2023
43 d early
2022
on the day
2021
on the day
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€62k
2024 · €-21k
2019: €-116k
2020: €-15k
2021: €-34k
2022: €-79k
2023: €-126k
2024: €-21k
2019 → 2025
Total assets
€92k▼ 15.0%
2024 · €108k
2019: €423k
2020: €501k
2021: €52k
2022: €55k
2023: €356k
2024: €108k
2019 → 2025
Net result
€83k▼ 21.7%
2024 · €105k
2019: €-30k
2020: €101k
2021: €-19k
2022: €-45k
2023: €-47k
2024: €105k
2019 → 2025
Working capital
€33k
2024 · €-31k
2019: €-122k
2020: €190k
2021: €-58k
2022: €-113k
2023: €147k
2024: €-31k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-34k-€-79k▼ 131%€-126k▼ 59.3%€-21k▲ 83.6%€62k
Operating result€-17k-€-44k▼ 150%€-54k▼ 23.9%€112k€103k▼ 8.4%
Net result€-19k-€-45k▼ 135%€-47k▼ 4.7%€105k€83k▼ 21.7%
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 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €92k
Fixed assets
€29k▲ 173%
Current assets
€63k▼ 35.4%
Equity and liabilities €92k
Equity
€62k
Debt
€30k
Debt finances 32.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€114k▼
2024 · €126k
Cash flow
€94k▼
2024 · €119k
Solvency
67.1%▲
2024 · -19.2%
Current ratio
2.08▲
2024 · 0.76
Quick ratio
2.08▲
2024 · 0.76
Debt / equity
0.49▲
2024 · -6.22
ROE
133.6%
ROA
89.6%▼
2024 · 97.3%
Interest coverage
225.15▼
2024 · 255.23
Debt
€30k▼
2024 · €129k
Debt ≤ 1 year
€30k▼
2024 · €129k
Income taxes
€28k▲
2024 · €6k
Staff costs
€154▼
2024 · €16k
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€108k€92k▼
Fixed assets21/28€11k€29k▲
Intangible fixed assets21€3k€733▼
Tangible fixed assets22/27€8k€28k▲
Land and buildings22€746€622▼
Plant, machinery and equipment23€422€0▼
Furniture and vehicles24€7k€27k▲
Financial fixed assets28€250€250=
Current assets29/58€98k€63k▼
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€8k€2k▼
Trade receivables40€8k€36▼
Other amounts receivable41€401€2k▲
Current investments50/53€0-
Cash at bank and in hand54/58€86k€57k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€108k€92k▼
Equity10/15€-21k€62k▲
Contributions10/11€13k€13k=
Reserves13€96k€96k=
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€94k€96k▲
Profit (loss) carried forward14€-129k€-47k▲
Amounts payable17/49€129k€30k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€129k€30k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€2k€265▼
Suppliers440/4€2k€265▼
Taxes, remuneration and social security45€6k€0▼
Taxes450/3€6k€0▼
Remuneration and social security454/9€0-
Other amounts payable47/48€121k€30k▼
Income statement
Code20242025
Remuneration, social security and pensions62€16k€154▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€11k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€143k€116k▼
Operating profit (loss)9901€112k€103k▼
Financial income75/76B€0€8k▲
Recurring financial income75€0€5▲
Non-recurring financial income76B€0€8k▲
Financial charges65/66B€493€506▲
Recurring financial charges65€493€506▲
Profit (loss) for the period before taxes9903€112k€111k▼
Income taxes67/77€6k€28k▲
Profit (loss) for the period9904€105k€83k▼
Profit (loss) for the period to be appropriated9905€105k€83k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-129k€-47k▲
Profit (loss) brought forward from the previous period14P€-235k€-129k▲
The notes to these accounts (16 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
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Liquidity triplescurrent ratio 2.08
Current ratio from 0.76 to 2.08; short-term debt falls from €129k to €30k.
24-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €105k
Net result €105k after 3 loss-making years.
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €-47k
Net result drops to €-47k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity times 12current ratio 1.80
Current ratio from 0.15 to 1.80.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Back to profitnet €101k
Net result €101k after one loss-making year.
30-06
Financial
Liquidity doublescurrent ratio 1.65
Current ratio from 0.77 to 1.65; short-term debt falls from €538k to €292k.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 18 days late
2018
16-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Gent · 1 establishment unit since 2010
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.
Frans Louwersstraat 129032 GentGround area
796 m²
Building footprint
154 m²
Parcel 44074C0088/00M000, Flanders. Linked by address, not a title deed.
1 establishment unit
PASCAL VERLOOVE
since 20102.193.854.344
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44074C0088/00M000 | Flanders | 796 m² | 1 · 154 m² | - |
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
2022 · 1 entry · 149 EUR awarded · 149 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 149 EUR | 149 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,963 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-07-2010
Fiscal year end30-06
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
46130Agents in the wholesale of timber and building materials
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
68110Buying and selling of own real estate
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.