paypuce
ActiveSummary
paypuce has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39k and a net result of €6k. Its solvency ranks better than 13% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70▼-10
Solvency32▼-4
Growth52
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.82 against 1.05 in 2024; short-term debt: 92.6% and cash: 7.9% of total assets), and 92.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
7.4%
Return on assets
1.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 17090 sector peers (2025).
NBB · sector comparisonPosition among 17090 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2012
8 d late
2010
29 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▲ 17.5%
2024 · €33k
2024: €33k
2025: €39k▲ +17.5% vs 2024
2024 → 2025
Total assets
€522k▲ 67.8%
2024 · €311k
2024: €311k
2025: €522k▲ +67.8% vs 2024
2024 → 2025
Net result
€6k▼ 78.7%
2024 · €27k
2024: €27k
2025: €6k▼ -78.7% vs 2024
2024 → 2025
Working capital
€-85k
2024 · €14k
2024: €14k
2025: €-85k▼ -694% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€33k-€39k▲ 17.5%
2024: €33k
2025: €39k▲ +17.5% vs 2024
Operating result€38k-€7k▼ 80.8%
2024: €38k
2025: €7k▼ -80.8% vs 2024
Net result€27k-€6k▼ 78.7%
2024: €27k
2025: €6k▼ -78.7% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 81% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €522k
Fixed assets
€124k ▲ 564%
Current assets
€398k ▲ 36.2%
Equity and liabilities €522k
Equity
€39k ▲ 17.5%
Debt
€483k ▲ 73.8%
Debt's share of the balance-sheet total rises from 89.4% to 92.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€13k▼
2024 · €46k
Cash flow
€12k▼
2024 · €35k
Current ratio
0.82▼
2024 · 1.05
Quick ratio
0.82▼
2024 · 1.04
Debt to equity
12.49▲
2024 · 8.44
ROE
14.9%▼
2024 · 82.2%
ROA
1.1%▼
2024 · 8.7%
Interest coverage
10.79▼
2024 · 22.55
Debt ≤ 1 year
€483k▲
2024 · €278k
Income taxes
€372▼
2024 · €9k
Staff costs
€335k▲
2024 · €212k
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 · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€311k€522k▲
Fixed assets21/28€19k€124k▲
Intangible fixed assets21€358-
Tangible fixed assets22/27€16k€121k▲
Plant, machinery and equipment23€2k€29k▲
Furniture and vehicles24€8k€7k▼
Other tangible fixed assets26€6k€4k▼
Assets under construction and advance payments27-€81k
Financial fixed assets28€3k€3k=
Current assets29/58€292k€398k▲
Stocks and contracts in progress3€3k€4k▲
Stocks30/36€3k€4k▲
Amounts receivable within one year40/41€207k€318k▲
Trade receivables40€157k€255k▲
Other amounts receivable41€50k€63k▲
Current investments50/53€13k€20k▲
Cash at bank and in hand54/58€60k€41k▼
Deferred charges and accrued income490/1€10k€15k▲
Equity and liabilities
Total equity and liabilities10/49€311k€522k▲
Equity10/15€33k€39k▲
Contributions10/11€1k€1k=
Reserves13€100€100=
Non-distributable reserves130/1€100€100=
Reserves not available under the articles1311€100€100=
Profit (loss) carried forward14€32k€38k▲
Amounts payable17/49€278k€483k▲
Amounts payable within one year42/48€278k€483k▲
Trade debts44€160k€250k▲
Suppliers440/4€160k€250k▲
Taxes, remuneration and social security45€45k€86k▲
Taxes450/3€18k€18k▼
Remuneration and social security454/9€26k€69k▲
Other amounts payable47/48€73k€148k▲
Income statement
Code20242025
Remuneration, social security and pensions62€212k€335k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€6k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€260k€350k▲
Operating profit (loss)9901€38k€7k▼
Financial income75/76B€640€113▼
Recurring financial income75€640€113▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€36k€6k▼
Income taxes67/77€9k€372▼
Profit (loss) for the period9904€27k€6k▼
Profit (loss) for the period to be appropriated9905€27k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€38k▼
Profit (loss) brought forward from the previous period14P€43k€32k▼
Profit to be distributed694/7€38k-
Return on contributions (dividend)694€38k-
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €212k | €335k | ▲ 58.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €6k | ▼ 21.1% |
| Other operating charges640/8 | €3k | €2k | ▼ 32.1% |
| Gross operating margin9900 | €260k | €350k | ▲ 34.5% |
| Operating profit (loss)9901 | €38k | €7k | ▼ 80.8% |
| Financial income75/76B | €640 | €113 | ▼ 82.3% |
| Recurring financial income75 | €640 | €113 | ▼ 82.3% |
| Financial charges65/66B | €2k | €1k | ▼ 38.5% |
| Recurring financial charges65 | €2k | €1k | ▼ 38.5% |
| Profit (loss) for the period before taxes9903 | €36k | €6k | ▼ 83.2% |
| Income taxes67/77 | €9k | €372 | ▼ 96.0% |
| Profit (loss) for the period9904 | €27k | €6k | ▼ 78.7% |
| Profit (loss) for the period to be appropriated9905 | €27k | €6k | ▼ 78.7% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €311k | €522k | ▲ 67.8% |
| Fixed assets21/28 | €19k | €124k | ▲ 564% |
| Intangible fixed assets21 | €358 | - | - |
| Tangible fixed assets22/27 | €16k | €121k | ▲ 673% |
| Plant, machinery and equipment23 | €2k | €29k | ▲ 1,587% |
| Furniture and vehicles24 | €8k | €7k | ▼ 12.8% |
| Other tangible fixed assets26 | €6k | €4k | ▼ 28.4% |
| Assets under construction and advance payments27 | - | €81k | - |
| Financial fixed assets28 | €3k | €3k | = |
| Current assets29/58 | €292k | €398k | ▲ 36.2% |
| Stocks and contracts in progress3 | €3k | €4k | ▲ 12.3% |
| Stocks30/36 | €3k | €4k | ▲ 12.3% |
| Amounts receivable within one year40/41 | €207k | €318k | ▲ 53.9% |
| Trade receivables40 | €157k | €255k | ▲ 62.2% |
| Other amounts receivable41 | €50k | €63k | ▲ 27.5% |
| Current investments50/53 | €13k | €20k | ▲ 56.2% |
| Cash at bank and in hand54/58 | €60k | €41k | ▼ 30.5% |
| Deferred charges and accrued income490/1 | €10k | €15k | ▲ 51.4% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €311k | €522k | ▲ 67.8% |
| Equity10/15 | €33k | €39k | ▲ 17.5% |
| Contributions10/11 | €1k | €1k | = |
| Reserves13 | €100 | €100 | = |
| Non-distributable reserves130/1 | €100 | €100 | = |
| Reserves not available under the articles1311 | €100 | €100 | = |
| Profit (loss) carried forward14 | €32k | €38k | ▲ 18.1% |
| Amounts payable17/49 | €278k | €483k | ▲ 73.8% |
| Amounts payable within one year42/48 | €278k | €483k | ▲ 73.8% |
| Trade debts44 | €160k | €250k | ▲ 55.6% |
| Suppliers440/4 | €160k | €250k | ▲ 55.6% |
| Taxes, remuneration and social security45 | €45k | €86k | ▲ 92.5% |
| Taxes450/3 | €18k | €18k | ▼ 4.1% |
| Remuneration and social security454/9 | €26k | €69k | ▲ 160% |
| Other amounts payable47/48 | €73k | €148k | ▲ 102% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €27k | €6k | ▼ 78.7% |
| + Depreciation and write-downs630 | €8k | €6k | ▼ 21.1% |
| Operating cash flow (approximation) | €35k | €12k | ▼ 65.8% |
| Investment in fixed assets (approximation) | - | €-111k | - |
| Change in cash | - | €-18k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2013
08-08
NBB filing
Annual accounts filed
fiscal year 2012 · full schema · 8 days late
2011
29-08
NBB filing
Annual accounts filed
fiscal year 2010 · full schema · 29 days late
NBB filing
0 of 5 acts read
About the unread acts
We know of 5 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
5 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 2014
Ground area
1,078 m²
Building footprint
79 m²
Volume, LiDAR
361 m³
Parcel 52058B0562/00R257, Wallonia · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PAYPUCE
since 20142.301.375.874
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52058B0562/00R257indicative | Wallonia | 1,078 m² | 1 · 79 m² | 6.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
BIBIT.BE
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VNCT
BE 0646.918.338
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KDNS
BE 0755.684.933
Schilde · Eq €38,758
Custom Code
BE 0804.614.505
Geraardsbergen · Eq €38,664
Uddan IT Belgium
BE 0646.696.327
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Of 16,879 companies in sector 62100 we hold annual accounts for 8,771. 6,630 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-03-2008
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
Scores and ratios are computed by Checked and are not a credit decision.