PAC & FIN
0671.626.713 · rovalta.com · 09/11/2026
ACTIVE
PAC & FIN
Financial year 2025 · Closed on 31/12/2025
Net result153,3 k €+477,3 %over 1 year
Gross margin194,4 k €+525,8 %over 1 year
Equity293,6 k €+95,3 %over 1 year
Workforce0,0 ETP
Overview
Identity
Source · BCE/KBOPAC & FIN is a Private company with limited liability incorporated in 2017. Its main activity is: Management consultancy activities. Its registered office is in Clavier.
- Legal situation
- Normal situation
- BCE/KBO no. / VAT
- BE 0671.626.713
- Incorporation
- 20/02/2017
- Legal form
- Private company with limited liability
- Registered office
- Rue de la Gendarmerie 53
4560 Clavier · WallonieSee on map - Contributed capital
- 18 600,00 €
- Latest accounts
- 31/12/2025
- Average workforce
- 0,0 ETP
Activities (NACE)
70200Management consultancy activities· main70220Business and other management consultancy activities66191Other activities auxiliary to financial services, except insurance and pension funding66191Other activities auxiliary to financial services, except insurance and pension funding66199Other activities auxiliary to financial services, except insurance and pension funding66199Other activities auxiliary to financial services, except insurance and pension funding+2
Signals
ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDA
Financials
Source · NBB, 8 filingsTrend over 8 financial years
| 2025 | 2024 | 2023 | 2022 | 2021 | |||||
|---|---|---|---|---|---|---|---|---|---|
| Income statement | |||||||||
| Gross margin | 194,4 k € | +526% | 31,1 k € | -19.6% | 38,6 k € | -1.9% | 39,4 k € | -2.0% | 40,2 k € |
| EBITDA | 192,5 k € | +537% | 30,2 k € | -19.7% | 37,7 k € | -1.9% | 38,4 k € | -1.5% | 39 k € |
| Operating result | 185,5 k € | +691% | 23,5 k € | -24.1% | 30,9 k € | -2.3% | 31,6 k € | -9.8% | 35 k € |
| Net result | 153,3 k € | +477% | 26,5 k € | +24.9% | 21,3 k € | +2.2% | 20,8 k € | -14.3% | 24,3 k € |
| Balance sheet | |||||||||
| Equity | 293,6 k € | +95.3% | 150,4 k € | -0.7% | 151,4 k € | +16.3% | 130,1 k € | +19.0% | 109,3 k € |
| Total assets | 343 k € | +122% | 154,7 k € | -9.9% | 171,7 k € | -4.2% | 179,2 k € | -1.1% | 181,1 k € |
| Cash | 132,3 k € | +459% | 23,7 k € | +1436% | 1,5 k € | -79.3% | 7,4 k € | +151% | 3 k € |
| Debts | 48,7 k € | +1024% | 4,3 k € | -78.6% | 20,3 k € | -58.7% | 49,1 k € | -31.6% | 71,8 k € |
| Other | |||||||||
| Workforce | 0,0 ETP | – | – | – | – | ||||
Valuation
Indicative valuation
As an indication, this company is worth
between 500 k€ and 1 M€
See the valuationBoard of directors
Source · NBB, accounts to 31/12/20251 active
Active mandates
| Director | Mandates in this company | Period | Other mandatescurrentendedstruck offbankruptcies |
|---|---|---|---|
MARIE-CHRISTINE LAVAL | Directorsince 29/05/2024Manager2019 accountsended |
Other companies at this address
Rue de la Gendarmerie 53 4560 Clavier| Company | CBE no. |
|---|---|
BWCG● Active | 1026.434.105 |
CONDROZ CONSULT● Active | 0535.884.418 |
CONDROZ CONSULT ASSURANCES● Active | 0548.851.437 |
GROUPE D.J.● Active | 0655.929.341 |
Financials
Full financial information
Source · NBB| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Type of account | Abridged model | Micro model | Micro model | Micro model | Micro 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 | 15/07/2026 | 09/06/2025 | 05/08/2024 | 25/08/2023 | 09/08/2022 | 26/08/2021 |
| General meeting | 18/06/2026 | 09/05/2025 | 10/05/2024 | 12/05/2023 | 13/05/2022 | 14/05/2021 |
| 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 · NBBLooking for more information about this company?
Try for freeAnnual accounts filings
Source · NBB, 8 filings| Model | Closing | General meeting | Filed | Language | Document |
|---|---|---|---|---|---|
| Abridged model | 31/12/2025 | 18/06/2026 | 15/07/2026 | French | |
| Micro model | 31/12/2024 | 09/05/2025 | 09/06/2025 | French | |
| Micro model | 31/12/2023 | 10/05/2024 | 05/08/2024 | French | |
| Micro model | 31/12/2022 | 12/05/2023 | 25/08/2023 | French | |
| Micro model | 31/12/2021 | 13/05/2022 | 09/08/2022 | French | |
| Micro model | 31/12/2020 | 14/05/2021 | 26/08/2021 | French | |
| Micro model | 31/12/2019 | 08/05/2020 | 19/08/2020 | French | |
| Micro model | 31/12/2018 | 10/05/2019 | 16/08/2019 | French |
Valuation
Indicative valuation
Order of magnitude
As an indication, this company is worth
between 500 k€ and 1 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.
Disclaimer
Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.
Directors & structure
Board of directors
Source · NBB, accounts to 31/12/20251 active
Active mandates
| Director | Mandates in this company | Period | Other mandatescurrentendedstruck offbankruptcies |
|---|---|---|---|
MARIE-CHRISTINE LAVAL | Directorsince 29/05/2024Manager2019 accountsended |
Ownership and network
Looking for more information about this company?
Try for freePublications
Belgian Official Gazette publications
Source · Belgian Official Gazette- Registered office24/03/2025TRANSFERT DU SIEGE SOCIAL
- Mandates29/02/2024DEMISSIONS, NOMINATIONS, STATUTS (TRADUCTION, COORDINATION,
- Mandates14/12/2017DENOMINATION - OBJET - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
- Other22/02/2017RUBRIQUE CONSTITUTION (NOUVELLE PERSONNE MORALE, OUVERTURE SUCCURSALE, ETC...)
Similar companies
Similar companies
A company's peers, by sector and size, are included in the Business plan.
See the Business planTimeline
Timeline
Source · CBE, NBB annual accountsYear
Identity
Incorporation
Name
Registered office
Annual accounts
Filings8 filings
Mandates
Marie-Christine Laval
2017201820192020202120222023202420252026
PAC & FIN
Rue de la Gendarmerie 53, 4560 ClavierRoute du Condroz 105 bte -, 4550 Nandrin
Director
CurrentPlanned, not yet servedEndedAccounts filedToday
Registered offices
Source · NBB annual accounts, CBE| Registered address | Period | Source |
|---|---|---|
| Rue de la Gendarmerie 53, 4560 ClavierCurrent | accounts 2025 | Accounts 2025 · 2026-00295128 |
| Route du Condroz 105 bte -, 4550 Nandrin | accounts 2021 → 2024 | Accounts 2024 · 2025-00125821 |
Company names
Source · NBB annual accounts, CBE| Name | Period | Source |
|---|---|---|
| PAC & FINCurrent | accounts 2018 → 2025 | Accounts 2025 · 2026-00295128 |
Events
- 2025Annual accounts 2025153,3 k €↑
- 2024Annual accounts 202426,5 k €↑
- 2023Annual accounts 202321,3 k €↑
- 2022Annual accounts 202220,8 k €↓
- 2021Annual accounts 202124,3 k €↑
- 2020Annual accounts 202020,1 k €↑
- 2019Annual accounts 201918,2 k €↓
- 2018Annual accounts 201828,2 k €
- 20/02/2017IncorporationPrivate company with limited liability