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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Negative equity NBB
More debt than assets in 1 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 26 % of short-term debt in 2025; threshold 65 %.
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Board fully replaced NBB
No director from three years ago is still active according to annual account 2025.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
PACT TEXTILE from Charleroi, company number BE0780639469, closed financial year 2025 with a result of € -18,012 after tax. For that financial year PACT TEXTILE recorded a gross margin of € -3,369 and equity of € -11,620. Compared with financial year 2024, the result moved from € -11,817 to € -18,012. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 1, 2026.
€ -11,620
▼ € 18,012 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -18,012
▼ 52 % more loss than in 2024
Profit after tax over the fiscal year.
€ 3,946
▼ 46% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -28,620.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 5,463
▲ 132% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 178
▼ 99% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -3,640 | € 6,755 | € 1,155 | € -3,369 | ▼ € 4,524 |
| Profit after taxes | € -3,717 | € 4,926 | € -11,817 | € -18,012 | ▼ € 6,195 |
| Equity | € 13,283 | € 18,209 | € 6,392 | € -11,620 | ▼ € 18,012 |
| Total debts | € 8,261 | € 8,866 | € 25,780 | € 15,635 | ▼ 39% |
| Cash | € 5,961 | € 1,727 | € 7,331 | € 3,946 | ▼ 46% |
| Retained profit | € -3,717 | € 1,209 | € -10,608 | € -28,620 | ▼ € 18,012 |
| Balance sheet total | € 21,543 | € 27,075 | € 32,172 | € 4,014 | ▼ 88% |
Key figures of PACT TEXTILE, 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 PACT TEXTILE?
What happened at PACT TEXTILE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 18,012. Source: NBB ↗
- Antoine Van't Westeinde became a director. NBB
- Arthur Frateur became a director. NBB
- Florence Jacquet stepped down as director. NBB
- New establishment in Charleroi. KBO
- Florence Jacquet became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 3,717 loss in 2022 to € 18,012 loss in 2025.
Paid € 13,063 in corporate taxes since 2022.
Best year ever: 2023, with € 4,926 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind PACT TEXTILE are Antoine Van't Westeinde and Arthur Frateur.
Directors
According to the 2025 annual accounts
Antoine Van't Westeinde
Managing director
since 2025
Arthur Frateur
Managing director
since 2025
since 2022 · until 2025
Establishments
Establishment units
Physical locations of this company
Rue Alexandre 43
6001 Charleroi
Rue Champeau 20
6061 Charleroi
Active since 19 January 2022
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
- 0780.639.469
- VAT number
- BE 0780.639.469
- Registered office
- Rue Alexandre 43, 6001 Charleroi
- Names & denominations
- PACT TEXTILE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 19 January 2022
- Peppol
- Not registered
- Contact
- maisonog.be [email protected]
- Activities · NACE
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