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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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 0 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
34 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
PARAPH'S from Mont-Saint-Guibert, company number BE0806657839, closed financial year 2025 with a result of € -50,613 after tax. For that financial year PARAPH'S recorded a gross margin of € 159,598 and equity of € 1.8 million. Compared with financial year 2024, the result moved from € -155,088 to € -50,613. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 9, 2026.
€ 1.8 million
▼ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -50,613
▲ 67 % less loss than in 2024
Profit after tax over the fiscal year.
€ 1,803
▲ € 1,642 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 1.8 million.
Debts at end 2025
€ 3.7 million
Loans from banks and other lenders, long and short.
€ 55,623
▲ 136% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 222,624 | € 294,059 | € 132,477 | € 159,598 | ▲ 20% |
| Profit after taxes | € 112,458 | € 48,713 | € -155,088 | € -50,613 | ▲ € 104,476 |
| Equity | € 1,958,853 | € 2,007,566 | € 1,852,478 | € 1,801,865 | ▼ 3% |
| Total debts | € 3,774,196 | € 3,718,924 | € 3,712,593 | € 3,926,463 | ▲ 6% |
| Cash | € 397,853 | € 14,426 | € 161 | € 1,803 | ▲ € 1,642 |
| Retained profit | € 1,938,853 | € 1,987,566 | € 1,832,478 | € 1,781,865 | ▼ 3% |
| Bank debt | € 3,685,000 | € 3,685,000 | € 3,685,000 | € 3,685,000 | |
| Balance sheet total | € 5,733,049 | € 5,726,491 | € 5,565,070 | € 5,728,328 | ▲ 3% |
Key figures of PARAPH'S, 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 PARAPH'S?
What happened at PARAPH'S in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 50,613. Source: NBB ↗
- Francis Lagarde became a director. NBB
- Séverine Spinosa became a director. NBB
- Bernard Jacquet became a director. NBB
- New establishment in Mont-Saint-Guibert. KBO
- Start of the company according to the CBE. KBO
In short
From € 112,458 profit in 2022 to € 50,613 loss in 2025.
Paid € 59,017 in corporate taxes since 2022.
Best year ever: 2022, with € 112,458 profit.
Management
The stake of B.W. Promo comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
PARAPH'SBehind PARAPH'S are Bernard Jacquet, Francis Lagarde and Séverine Spinosa. The shares are held by B.W. Promo (100%).
Directors
According to the 2025 annual accounts
since 2014
since 2014
Séverine Spinosa
Director
Also active at: IN-RED, IMMOGUM, BUILDING DEVELOPMENT REAL ESTATE, LA DODANE, TIM INVEST, MONT WALDIN, IMMOBILIERE DUMONT 2
since 2014
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue du Fond Cattelain 1 box 1
1435 Mont-Saint-Guibert
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 34 companies are registered at this address.
All companies at this address →AUTO - ECOLE PRO-PERMIS
€ 1 million gross margin · 2025
B.W. Promo same network
€ 732,206 gross margin · 2025
Lafiduciaire Conseils
€ 225,604 gross margin · 2025
B.W. CENTER same network
€ -4,797 gross margin · 2025
CAMPAGNE DU PETIT BAULERS
€ 1.3 million revenue · 2025
+29 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0806.657.839
- VAT number
- BE 0806.657.839
- Registered office
- Rue du Fond Cattelain 1 bus 1, 1435 Mont-Saint-Guibert
- Names & denominations
- PARAPH'S
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 24 September 2008
- Peppol
- Active · Active since 22 Dec 2025
- Activities · NACE
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