Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 1 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
PACFIN from Anthisnes, company number BE0469482275, closed financial year 2025 with a result of € 10,768 after tax. For that financial year PACFIN recorded a gross margin of € 48,078 and equity of € 153,420. Compared with financial year 2024, the result moved from € 12,455 to € 10,768. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 29, 2026.
€ 153,420
▲ 8% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 10,768
▼ 14% vs 2024
Profit after tax over the fiscal year.
€ 1,491
▲ € 1,120 vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 132,969.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
€ 116,188
▼ 21% vs 2024
€ 25,185 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 7,860
▲ 75% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 51,779 | € 44,513 | € 46,997 | € 48,078 | ▲ 2% |
| Profit after taxes | € 18,526 | € 11,749 | € 12,455 | € 10,768 | ▼ 14% |
| Equity | € 118,448 | € 130,197 | € 142,652 | € 153,420 | ▲ 8% |
| Total debts | € 232,072 | € 218,713 | € 224,717 | € 195,599 | ▼ 13% |
| Cash | € 370 | € 99 | € 371 | € 1,491 | ▲ € 1,120 |
| Land & buildings | € 326,680 | € 317,337 | € 332,585 | € 317,484 | ▼ 5% |
| Retained profit | € 99,856 | € 109,746 | € 122,201 | € 132,969 | ▲ 9% |
| Bank debt | € 149,502 | € 131,450 | € 147,730 | € 116,188 | ▼ 21% |
| Balance sheet total | € 350,520 | € 348,910 | € 367,370 | € 349,019 | ▼ 5% |
Key figures of PACFIN, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to PACFIN?
What happened at PACFIN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 10,768 (▼ 14% vs 2024). Source: NBB ↗
- Christian PAQUOT stepped down as director. NBB
- Bernard PAQUOT became a director. NBB
- Christian PAQUOT became a director. NBB
- New establishment in Waterloo. KBO
- Start of the company according to the CBE. KBO
In short
From € 18,526 profit in 2022 to € 10,768 profit in 2025.
Paid € 23,425 in corporate taxes since 2022.
Best year ever: 2022, with € 18,526 profit.
Management
Behind PACFIN is Bernard PAQUOT. Bernard PAQUOT is also behind LOCAPRO LOCAMAT.
Directors
According to the 2025 annual accounts
since 2015
Christian PAQUOT
Director
since 2004 · until 2025
Establishments
Establishment units
Physical locations of this company
Basse Voie 8
4163 Anthisnes
Drève du Méreault 5
1410 Waterloo
Active since 29 March 2000
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0469.482.275
- VAT number
- BE 0469.482.275
- Registered office
- Basse Voie 8, 4163 Anthisnes
- Names & denominations
- PACFIN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 11 January 2000
- Peppol
- Active · Active since 24 Oct 2025