PATRICK VANBECELAERE
PATRICK VANBECELAERE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2023 annual accounts show equity of €329k and a net result of €47k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 70% of 619 sector peers (fiscal year 2023). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €329k |
| Net result | €47k |
| Staff (FTE) | 1 |
| Better than sector | 70% |
Strong profile, led by stability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 63.1% | 38.1% | |
| Net result | €47k | €23k | |
| Equity | €329k | €52k | |
| Gross operating margin | €138k | €67k | |
| Staff costs | €60k | €69k |
Show 5 other metrics
| Fiscal year | 2023 |
|---|---|
| Deposit | micro |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €47k |
| Cash flow | n/a |
| Staff costs | €60k |
| Income taxes | €19k |
| Dividends | €16k |
| Total assets | €521k |
| Equity | €329k |
| Debt | €192k |
| of which ≤ 1y | €139k |
| of which > 1y | €51k |
| Working capital | n/a |
| Employees (FTE) | 1.0 |
| 2023 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 63.1% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 9.0% |
| ROE | 14.2% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Full annual accounts (25 line items)
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €521k |
| Fixed assets | 21/28 | €204k |
| Intangible fixed assets | 21 | €6k |
| Tangible fixed assets | 22/27 | €198k |
| Current assets | 29/58 | €317k |
| Amounts receivable within one year | 40/41 | €105k |
| Investments | 50/53 | €193k |
| Cash & bank | 54/58 | €16k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €521k |
| Equity | 10/15 | €329k |
| Contributions / capital | 10/11 | €123k |
| Reserves | 13 | €205k |
| Accumulated profits (losses) | 14 | €0 |
| Amounts payable | 17/49 | €192k |
| Amounts payable after one year | 17 | €51k |
| Amounts payable within one year | 42/48 | €139k |
| Trade debts payable within one year | 44 | €11k |
| Income statement | ||
| Gross operating margin | 9900 | €138k |
| Operating result | 9901 | €64k |
| Financial income | 75 | €3k |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €65k |
| Income taxes | 67/77 | €19k |
| Net result for the period | 9904 | €47k |
| Result to be appropriated | 9905 | €47k |
-
PATRICK VANBECELAEREDirectorState Gazette act 23484471 (28-12-2023)Current28-12-2023 → present
2 events
- 28-12-2023 Appointed· Director
- 01-01-2020 Resigned· Director
| NACE primary | Activiteiten van verzekeringsagenten en -makelaars(66220) |
| Legal form | Private limited company(610) |
| Incorporation | 10-01-2002 |
| Status | Active |
| Postal code | 8630 |
Parcels 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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38025A0571/00H000 | Flanders | 625 m² | 1 · 253 m² | 12.8 m · 4 fl. |
| 38025A0071/02K000 | Flanders | 155 m² | 1 · 151 m² | 12.1 m · 2 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
30-12-2024 Articles of association amended, translation of the articles, coordination of the articles and amendment of specific articles
Technical details
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"articles_modified": [
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"summary": "Artikel drie der statuten is aangepast om het nieuwe voorwerp van de vennootschap te weergeven.",
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},
"co_filed_documents": [
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],
"shareholder_rights": null,
"voorwerp_change_summary": "De vennootschap heeft tot voorwerp het uitvoeren van activiteiten van verzekeringsdistributie als verzekeringssubagent voor verzekeringssubagent BV Surtout en het algemeen alles wat enig verband met dit beheer houdt, inclusief het stellen van alle roerende, onroerende, financi\u00EBle, commerci\u00EBle en industri\u00EBle handelingen die rechtstreeks of onrechtstreeks betrekking hebben op haar voorwerp.",
"capital_structure_change": null,
"coordinated_text_lineage": null
}28-12-2023 2 directors appointed, 1 resigning
- PATRICK VANBECELAERE, Bestuurder
- Patrick VANBECELAERE, Bestuurder
- Patrick VANBECELAERE, Bestuurder
Technical details
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"expeditie van de akte dd. 14 december 2023",
"geco\u00F6rdineerde statuten dd. 22 december 2023"
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}| Legal nameNL | PATRICK VANBECELAERE |