ACTIVE

PAO FINANCES

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Financial year 2025 · Closed on 31/12/2025

Net result276,5 k €-16,9 %over 1 year

Gross margin713,6 k €-5,7 %over 1 year

Equity128,2 k €+26,1 %over 1 year

Workforce3,8 ETP-9,5 %over 1 year

Identity

Source · BCE/KBO

PAO FINANCES is a Private limited company incorporated in 1994. Its main activity is: Other credit granting. Its registered office is in Namur. It employs on average 3,8 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0453.886.457
Incorporation: 24/11/1994
Legal form: Private limited company
Registered office: Route de Saint-Gérard(WP) 165
5100 Namur · WallonieSee on map
Contributed capital: 18 600,00 €
Latest accounts: 31/12/2025
Average workforce: 3,8 ETP

Activities (NACE)

64922Other credit granting· main 64922Other credit granting 65222Reinsurance 66191Other activities auxiliary to financial services, except insurance and pension funding 66191Other activities auxiliary to financial services, except insurance and pension funding 66220Activities of insurance agents and brokers+1

Joint committees (2)

Signals

ProfitableLow riskPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 21 filings

Trend over 20 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	713,6 k €	-5.7%	756,5 k €	+7.9%	701,2 k €	+21.3%	578,1 k €	-21.2%	734 k €
EBITDA	325,1 k €	-12.0%	369,5 k €	+9.2%	338,5 k €	-1.8%	344,9 k €	-30.5%	496 k €
Operating result	295,8 k €	-15.7%	351 k €	+9.5%	320,5 k €	+2.2%	313,6 k €	-33.7%	472,9 k €
Net result	276,5 k €	-16.9%	332,6 k €	+11.7%	297,7 k €	+5.4%	282,4 k €	-25.9%	381 k €
Balance sheet
Equity	128,2 k €	+26.1%	101,6 k €	+47.2%	69 k €	+224%	21,3 k €	-94.3%	371,9 k €
Total assets	592 k €	-5.4%	625,9 k €	+34.6%	465 k €	-40.5%	781,9 k €	+7.9%	724,4 k €
Cash	198,2 k €	+7.8%	183,8 k €	+6.9%	171,9 k €	-65.2%	494,3 k €	+28.6%	384,5 k €
Debts	463,6 k €	-11.5%	523,8 k €	+32.5%	395,4 k €	-48.0%	760,2 k €	+116%	352,5 k €
Other
Workforce	3,8 ETP	-9.5%	4,2 ETP	+2.4%	4,1 ETP	+32.3%	3,1 ETP	-16.2%	3,7 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 1 M€ and 2,5 M€

See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

1 active · 7 ended

Active mandates

FCAP Invest

Director · 0757.743.808

Represented by Alina-Olivia Prunianu

Active

Ended mandates

FCAP Invest

Director · since 01 janvier 2021 · 0757.743.808

Represented by Alina Prunianu

Ended

FCAP Invest

Director · since 01 janvier 2021 · 0757.743.808

Represented by ALINA-OLIVIA PRUNIANU

Ended

Alina Prunianu

Director · since 01 janvier 2011 · until 01 janvier 2021

Ended

Alina Prunianu

Director · since 01 janvier 2011

Ended

Other companies at this address

Route de Saint-Gérard(WP) 165 5100 Namur

Company	CBE no.
FCAP Invest● Active	0757.743.808
UNITÉ FCAP INVEST - PAO FINANCES● Active	0770.664.109

Full financial information

Source · NBB

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Micro 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	23/07/2026	13/08/2025	14/06/2024	06/06/2023	19/05/2022	15/10/2021
General meeting	21/05/2026	15/05/2025	16/05/2024	18/05/2023	19/05/2022	20/05/2021
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

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 21 filings

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	21/05/2026	23/07/2026	French	PDF
Abridged model	31/12/2024	15/05/2025	13/08/2025	French	PDF
Abridged model	31/12/2023	16/05/2024	14/06/2024	French	PDF
Abridged model	31/12/2022	18/05/2023	06/06/2023	French	PDF
Abridged model	31/12/2021	19/05/2022	19/05/2022	French	PDF
Micro modelCorrection	31/12/2020	20/05/2021	15/10/2021	French	PDF
Micro model	31/12/2020	20/05/2021	21/06/2021	French	PDF
Micro model	31/12/2019	22/05/2020	22/06/2020	French	PDF
Micro model	31/12/2018	16/05/2019	18/06/2019	French	PDF
Micro model	31/12/2017	09/07/2018	09/07/2018	French	PDF
Micro model	31/12/2016	10/07/2017	13/07/2017	French	PDF
Abridged model	31/12/2015	19/05/2016	31/05/2016	French	PDF
Abridged model	31/12/2014	23/06/2015	29/06/2015	French	PDF
Abridged model	31/12/2013	17/06/2014	24/06/2014	French	PDF
Abridged model	31/12/2012	30/06/2013	30/07/2013	French	PDF
Abridged model	31/12/2011	28/06/2012	20/07/2012	French	PDF
Abridged model	31/12/2010	26/05/2011	18/07/2011	French	PDF
Abridged model	31/12/2009	20/05/2010	03/12/2010	French	PDF
Abridged model	31/12/2008	21/05/2009	03/12/2010	French	PDF
Abridged model	31/12/2007	15/05/2008	04/07/2008	French	PDF
Abridged model	31/12/2006	18/05/2007	10/07/2007	French	PDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 1 M€ and 2,5 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.

Board of directors

Source · NBB, accounts to 31/12/2025

1 active · 7 ended

Active mandates

FCAP Invest

Director · 0757.743.808

Represented by Alina-Olivia Prunianu

Active

Ended mandates

FCAP Invest

Director · since 01 janvier 2021 · 0757.743.808

Represented by Alina Prunianu

Ended

FCAP Invest

Director · since 01 janvier 2021 · 0757.743.808

Represented by ALINA-OLIVIA PRUNIANU

Ended

Alina Prunianu

Director · since 01 janvier 2011 · until 01 janvier 2021

Ended

Alina Prunianu

Director · since 01 janvier 2011

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates11/05/2021
DEMISSIONS, NOMINATIONS
PDF
Mandates16/01/2020
DEMISSIONS, NOMINATIONS
PDF
Mandates02/08/2019
MODIFICATION FORME JURIDIQUE - DENOMINATION - OBJET - DEMISSIONS, NOMINATIONS
PDF
Registered office07/11/2016
SIEGE SOCIAL
PDF
Mandates28/03/2011
CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF

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

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Timeline

2025
Annual accounts 2025276,5 k €↓
2024
Annual accounts 2024332,6 k €↑
2023
Annual accounts 2023297,7 k €↑
2022
Annual accounts 2022282,4 k €↓
2021
Annual accounts 2021381 k €↑
2020
Annual accounts 2020315,5 k €↑
2019
Annual accounts 2019188 k €↓
2018
Annual accounts 2018238,9 k €↑
2017
Annual accounts 2017197,5 k €↑
2016
Annual accounts 2016190,3 k €↓
2015
Annual accounts 2015202,4 k €↑
2014
Annual accounts 2014198,2 k €↓
2013
Annual accounts 2013234,8 k €↑
2012
Annual accounts 2012140,6 k €↑
2011
Annual accounts 2011114,6 k €↑
2010
Annual accounts 201091,7 k €↑
2009
Annual accounts 200976,2 k €↓
2008
Annual accounts 200879,3 k €↓
2007
Annual accounts 200780,1 k €↓
2006
Annual accounts 200685,3 k €
24/11/1994
IncorporationPrivate limited company

PAO FINANCES

Overview

Identity

Financials

Valuation

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

Timeline