ACTIVE

PACTO INVEST

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Financial year 2025 · closed on 31/12/2025

Net result

622,3 k €

-16.9% YoY

Gross margin

1,1 M €

-17.7% YoY

Equity

4,1 M €

+17.8% YoY

Workforce

0,3 ETP

0.0% YoY

What does PACTO INVEST do?

PACTO INVEST is a Public limited company incorporated in 1988. Its main activity is: Construction of buildings. Its registered office is in Antwerpen. It employs on average 0,3 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0433.056.894

Incorporation

19/01/1988

Legal form

Public limited company

Registered office

Stefaniestraat 20
2018 Antwerpen · FlandreSee on map

Contributed capital

250 000,29 €

Latest accounts

31/12/2025

Average workforce

0,3 ETP

Activities (NACE)

41002Construction of buildings· main 41202Construction of residential and non-residential buildings 46170Agents involved in the sale of food, beverages and tobacco 46170Agents involved in the sale of food, beverages and tobacco 51170Passenger air transport 41001Construction of buildings+3

Joint committees (1)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

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✦ Verdict · Analyst summary

Financials

Trend over 20 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	1,1 M €	-17.7%	1,3 M €	+1.4%	1,3 M €	+26.1%	1 M €	+86.4%	539,3 k €	+28.7%	418,9 k €	-8.2%	456,3 k €	+172%	167,8 k €	+181%	59,7 k €	+31.7%	45,3 k €	-12.8%	52 k €	-10.4%	58 k €	+55.3%	37,3 k €	-26.5%	50,8 k €	+41.2%	35,9 k €	-16.1%	42,9 k €	-8.3%	46,7 k €	+18.5%	39,4 k €	-0.5%	39,6 k €	+12.7%	35,2 k €
EBITDA	1 M €	-19.6%	1,2 M €	+1.2%	1,2 M €	+26.8%	971,2 k €	+92.9%	503,4 k €	+29.7%	388,3 k €	-11.8%	440,1 k €	+176%	159,4 k €	+214%	50,8 k €	+38.6%	36,7 k €	-16.1%	43,7 k €	-9.8%	48,4 k €	+86.6%	26 k €	-34.8%	39,8 k €	+55.3%	25,6 k €	+63.5%	15,7 k €	+37.6%	11,4 k €	+189%	3,9 k €	+277%	-2,2 k €	+64.9%	-6,3 k €
Operating result	837,8 k €	-21.9%	1,1 M €	-7.6%	1,2 M €	+28.8%	901,4 k €	+106%	436,8 k €	+35.8%	321,6 k €	+32.1%	243,4 k €	+52.7%	159,4 k €	+218%	50,2 k €	+39.2%	36,1 k €	+0.2%	36 k €	-25.7%	48,4 k €	+89.8%	25,5 k €	-34.7%	39,1 k €	+57.6%	24,8 k €	+1529%	-1,7 k €	-235%	1,3 k €	-63.8%	3,6 k €	+253%	-2,3 k €	+80.6%	-12 k €
Net result	622,3 k €	-16.9%	749,1 k €	-10.9%	841 k €	-38.2%	1,4 M €	+320%	323,8 k €	+53.5%	211 k €	+10.6%	190,8 k €	+44.4%	132,2 k €	+282%	34,6 k €	+18.3%	29,2 k €	+3.9%	28,1 k €	-40.8%	47,6 k €	+73.6%	27,4 k €	-28.9%	38,5 k €	+64.1%	23,5 k €	+328%	-10,3 k €	-3406%	-293,2 €	-126%	1,1 k €	+107%	-17 k €	-14.2%	-14,9 k €
Balance sheet
Equity	4,1 M €	+17.8%	3,5 M €	+27.3%	2,7 M €	+44.1%	1,9 M €	+95.6%	975,5 k €	+49.7%	651,7 k €	+47.9%	440,7 k €	+18.5%	371,8 k €	+34.2%	277,1 k €	+14.2%	242,6 k €	+13.7%	213,3 k €	+15.2%	185,2 k €	+34.5%	137,6 k €	+19.4%	115,2 k €	+50.2%	76,7 k €	+44.1%	53,2 k €	-16.2%	63,5 k €	-0.5%	63,8 k €	+1.8%	62,7 k €	-16.0%	74,7 k €
Total assets	7,3 M €	+31.4%	5,6 M €	+7.9%	5,2 M €	+26.4%	4,1 M €	+91.2%	2,1 M €	+12.5%	1,9 M €	+4.3%	1,8 M €	+145%	745,3 k €	+25.1%	595,9 k €	+6.0%	562,3 k €	+9.5%	513,3 k €	+137%	216,9 k €	+48.8%	145,7 k €	+19.8%	121,7 k €	+51.4%	80,4 k €	+45.0%	55,4 k €	-21.0%	70,2 k €	-3.5%	72,7 k €	-4.8%	76,4 k €	-15.0%	89,9 k €
Cash	877,6 k €	+18.6%	739,8 k €	+10.6%	668,7 k €	+6.4%	628,6 k €	+2474%	24,4 k €	-63.7%	67,2 k €	+176%	24,3 k €	+170%	9 k €	-74.0%	34,8 k €	+708%	4,3 k €	-88.7%	38,1 k €	-75.9%	158,1 k €	+29.6%	122 k €	+72.0%	70,9 k €	+111%	33,6 k €	+932%	3,3 k €	-50.2%	6,5 k €		0 €		0 €	-100%	5,3 k €
Debts	3,2 M €	+54.4%	2,1 M €	-14.2%	2,4 M €	+10.9%	2,2 M €	+87.5%	1,2 M €	-7.0%	1,2 M €	-9.6%	1,4 M €	+270%	373,6 k €	+17.2%	318,8 k €	-0.3%	319,7 k €	+6.6%	299,9 k €	+845%	31,7 k €	+292%	8,1 k €	+26.1%	6,4 k €	+76.2%	3,6 k €	+68.0%	2,2 k €	-67.3%	6,6 k €	-25.2%	8,9 k €	-35.1%	13,7 k €	+89.0%	7,2 k €
Other
Workforce	0,3 ETP	0.0%	0,3 ETP	0.0%	0,3 ETP	+50.0%	0,2 ETP	0.0%	0,2 ETP	0.0%	0,2 ETP	0.0%	0,2 ETP		–		–		–		0,1 ETP	0.0%	0,1 ETP	0.0%	0,1 ETP	0.0%	0,1 ETP	0.0%	0,1 ETP	-66.7%	0,3 ETP	-40.0%	0,5 ETP	0.0%	0,5 ETP	0.0%	0,5 ETP	-28.6%	0,7 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 5 M€ and 10 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 5 ended

Active mandates

Isis Verbist

Director · until 20 juin 2024

Active

Thomas Pacco

Managing director · until 20 juin 2024

Active

Ended mandates

Isis Verbist

Director · since 30 septembre 2014 · until 29 septembre 2020

Ended

Thomas Pacco

Managing director · since 30 septembre 2014 · until 29 septembre 2020

Ended

Isis Verbist

Mandate

Ended

Rita Vanechelpoel

Mandate

Ended

At this address

Other companies at this address

Company	CBE no.
ACADEMIA INVEST● Active	0712.727.096
Atelier Twist● Active	0766.877.842
AVE BUILDING● Active	0778.236.839

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	17/07/2026	18/07/2025	17/07/2024	17/07/2023	15/07/2022	22/07/2021
General meeting	20/06/2026	20/06/2025	20/06/2024	20/06/2023	20/06/2022	20/06/2021
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Ratios

Financial ratios

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Filings

Annual accounts filings

20 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	20/06/2026	17/07/2026	Dutch	PDF
Abridged model	31/12/2024	20/06/2025	18/07/2025	Dutch	PDF
Abridged model	31/12/2023	20/06/2024	17/07/2024	Dutch	PDF
Abridged model	31/12/2022	20/06/2023	17/07/2023	Dutch	PDF
Abridged model	31/12/2021	20/06/2022	15/07/2022	Dutch	PDF
Abridged model	31/12/2020	20/06/2021	22/07/2021	Dutch	PDF
Abridged model	31/12/2019	20/06/2020	21/08/2020	Dutch	PDF
Micro model	31/12/2018	20/06/2019	17/07/2019	Dutch	PDF
Micro model	31/12/2017	20/06/2018	28/06/2018	Dutch	PDF
Micro model	31/12/2016	20/06/2017	24/06/2017	Dutch	PDF
Abridged model	31/12/2015	20/06/2016	05/07/2016	Dutch	PDF
Abridged model	31/12/2014	20/06/2015	23/06/2015	Dutch	PDF
Abridged model	31/12/2013	20/06/2014	26/06/2014	Dutch	PDF
Abridged model	31/12/2012	20/06/2013	07/07/2013	Dutch	PDF
Abridged model	31/12/2011	20/06/2012	24/06/2012	Dutch	PDF
Abridged model	31/12/2010	20/06/2011	11/07/2011	Dutch	PDF
Abridged model	31/12/2009	07/06/2010	16/06/2010	Dutch	PDF
Abridged model	31/12/2008	08/06/2009	06/07/2009	Dutch	PDF
Abridged model	31/12/2007	09/06/2008	08/07/2008	Dutch	PDF
Abridged model	31/12/2006	11/06/2007	09/07/2007	Dutch	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 5 M€ and 10 M€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 5 ended

Active mandates

Isis Verbist

Director · until 20 juin 2024

Active

Thomas Pacco

Managing director · until 20 juin 2024

Active

Ended mandates

Isis Verbist

Director · since 30 septembre 2014 · until 29 septembre 2020

Ended

Thomas Pacco

Managing director · since 30 septembre 2014 · until 29 septembre 2020

Ended

Isis Verbist

Mandate

Ended

Rita Vanechelpoel

Mandate

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Restructuring20/11/2024
BENAMING - ONTSLAGEN - BENOEMINGEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Restructuring24/07/2024
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Mandates18/02/2021
MAATSCHAPPELIJKE ZETEL - ONTSLAGEN - BENOEMINGEN
PDF
Capital / shares05/12/2019
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - KAPITAAL - AANDELEN
PDF
Mandates28/08/2019
KAPITAAL - AANDELEN - ONTSLAGEN - BENOEMINGEN
PDF
Mandates24/10/2014
ONTSLAGEN - BENOEMINGEN
PDF
Other06/07/2011
ALGEMENE VERGADERING
PDF
Capital / shares06/04/2011
DOEL - KAPITAAL - AANDELEN
PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

2025
Annual accounts 2025622,3 k €↓
2024
Annual accounts 2024749,1 k €↓
2024
Name changePacto Invest
2023
Annual accounts 2023841 k €↓
2022
Annual accounts 20221,4 M €↑
2021
Annual accounts 2021323,8 k €↑
2020
Annual accounts 2020211 k €↑
2019
Annual accounts 2019190,8 k €↑
2018
Annual accounts 2018132,2 k €↑
2017
Annual accounts 201734,6 k €↑
2016
Annual accounts 201629,2 k €↑
2015
Annual accounts 201528,1 k €↓
2014
Annual accounts 201447,6 k €↑
2013
Annual accounts 201327,4 k €↓
2012
Annual accounts 201238,5 k €↑
2011
Annual accounts 201123,5 k €↑
2010
Annual accounts 2010-10,3 k €↓
2009
Annual accounts 2009-293,2 €↓
2008
Annual accounts 20081,1 k €↑
2007
Annual accounts 2007-17 k €↓
2006
Annual accounts 2006-14,9 k €
2006
Name changeHARTO INTERNATIONAL
19/01/1988
IncorporationPublic limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

PACTO INVEST

Overview

What does PACTO INVEST do?

Trend over 20 financial years

Indicative valuation

Board of directors

Other companies at this address

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline