DE PAMEI
ActiveSummary
DE PAMEI has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €740,355 and a net result of €69,591. Equity is growing by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 82% of 31958 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability79▲+1
Solvency100▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60,000 at 30 days acceptable
Liquidity ample (current ratio 6.74 against 3.13 in 2024; short-term debt: 14.6% and cash: 16.4% of total assets), and 15% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
85%
Return on assets
8%
Age of the figures
15 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
26 d early
2024
17 d early
2023
23 d early
2022
on the day
2021
40 d early
2020
1 d late
2019
17 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 17 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 8 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€740,355▼ 3.9%
2024 · €770,764
Total assets
€870,694▼ 22.9%
2024 · €1.1m
Net result
€69,591▼ 17.3%
2024 · €84,180
Working capital
€728,930▼ 3.5%
2024 · €755,225
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€534,373▼ 0.2%€203,633▼ 61.9%€89,134▼ 56.2%€105,488▲ 18.3%€87,543▼ 17.0%
Net result€366,830above the sector's middle half▲ 1.3%€140,616above the sector's middle half▼ 61.7%€64,877above the sector's middle half▼ 53.9%€84,180above the sector's middle half▲ 29.8%€69,591above the sector's middle half▼ 17.3%
Equity€820,603above the sector's middle half▲ 80.8%€961,219above the sector's middle half▲ 17.1%€1.0mabove the sector's middle half▲ 6.7%€770,764above the sector's middle half▼ 24.9%€740,355above the sector's middle half▼ 3.9%
Total assets€869,324above the sector's middle half▲ 9.7%€992,916above the sector's middle half▲ 14.2%€1.1mabove the sector's middle half▲ 6.7%€1.1mabove the sector's middle half▲ 6.7%€870,694above the sector's middle half▼ 22.9%
Debt€48,721▼ 85.6%€31,697▼ 34.9%€32,854▲ 3.7%€358,785▲ 992%€130,340▼ 63.7%
Working capital€820,702above the sector's middle half▲ 90.3%€939,880above the sector's middle half▲ 14.5%€1.0mabove the sector's middle half▲ 6.8%€755,225above the sector's middle half▼ 24.8%€728,930above the sector's middle half▼ 3.5%
Solvency94.4%above the sector's middle half▲ 37.2pp96.8%above the sector's middle half▲ 2.4pp96.9%above the sector's middle half▲ 0.1pp68.2%within the sector's middle half▼ 28.7pp85.0%above the sector's middle half▲ 16.8pp
Current ratio17.91above the sector's middle half▲ 15.6230.82above the sector's middle half▲ 12.9134.97above the sector's middle half▲ 4.163.13within the sector's middle half▼ 31.846.74above the sector's middle half▲ 3.61
Return on assets (ROA)42.2%above the sector's middle half▼ 3.5pp14.2%within the sector's middle half▼ 28.0pp6.1%within the sector's middle half▼ 8.0pp7.5%within the sector's middle half▲ 1.3pp8.0%within the sector's middle half▲ 0.5pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €870,694
Fixed assets
€14,685 ▼ 24.3%
Current assets
€856,009 ▼ 22.9%
Equity and liabilities €870,694
Equity
€740,355 ▼ 3.9%
Debt
€130,340 ▼ 63.7%
Debt's share of the balance-sheet total falls from 31.8% to 15.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€93,463▼
2024 · €111,369
Cash flow
€75,512▼
2024 · €90,061
Debt to equity
0.18▼
2024 · 0.47
ROE
9.4%▼
2024 · 10.9%
Interest coverage
82.86▼
2024 · 198.73
Debt ≤ 1 year
€127,079▼
2024 · €354,932
Income taxes
€38,613▼
2024 · €43,564
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,811 companies that looked in July 2024 the way this one looks now, 0.3% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.3%
went bankrupt
3.2%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,811 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €19,000 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,814 | €304 | €5,482 | €5,881 | €5,921 | ▲ 0.7% |
| Other operating charges640/8 | - | €1,267 | €1,758 | €1,804 | €1,605 | ▼ 11.0% |
| Gross operating margin9900 | €548,380 | €205,204 | €96,374 | €113,173 | €95,068 | ▼ 16.0% |
| Operating profit (loss)9901 | €534,373 | €203,633 | €89,134 | €105,488 | €87,543 | ▼ 17.0% |
| Financial income75/76B | - | €2,717 | €9,701 | €22,816 | €21,789 | ▼ 4.5% |
| Recurring financial income75 | €7,969 | €2,717 | €9,701 | €22,816 | €21,789 | ▼ 4.5% |
| Financial charges65/66B | - | €649 | €861 | €560 | €1,128 | ▲ 101% |
| Recurring financial charges65 | €126 | €649 | €861 | €560 | €1,128 | ▲ 101% |
| Profit (loss) for the period before taxes9903 | €542,216 | €205,701 | €97,974 | €127,744 | €108,204 | ▼ 15.3% |
| Income taxes67/77 | €175,386 | €65,085 | €33,097 | €43,564 | €38,613 | ▼ 11.4% |
| Profit (loss) for the period9904 | €366,830 | €140,616 | €64,877 | €84,180 | €69,591 | ▼ 17.3% |
| Profit (loss) for the period to be appropriated9905 | €366,830 | €140,616 | €64,877 | €84,180 | €69,591 | ▼ 17.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €869,324 | €992,916 | €1.1m | €1.1m | €870,694 | ▼ 22.9% |
| Fixed assets21/28 | €74 | €21,513 | €25,347 | €19,391 | €14,685 | ▼ 24.3% |
| Tangible fixed assets22/27 | - | €21,439 | €25,272 | €19,391 | €14,685 | ▼ 24.3% |
| Plant, machinery and equipment23 | - | - | €11,701 | €10,446 | €9,190 | ▼ 12.0% |
| Furniture and vehicles24 | - | €18,196 | €13,571 | €8,946 | €5,495 | ▼ 38.6% |
| Assets under construction and advance payments27 | - | €3,243 | - | - | - | - |
| Financial fixed assets28 | €74 | €74 | €74 | €0 | - | - |
| Current assets29/58 | €869,250 | €971,403 | €1.0m | €1.1m | €856,009 | ▼ 22.9% |
| Amounts receivable within one year40/41 | €92,414 | €6,715 | €7,995 | €1,462 | €3,098 | ▲ 112% |
| Trade receivables40 | - | €3,549 | €1,501 | €1,305 | €2,979 | ▲ 128% |
| Other amounts receivable41 | - | €3,166 | €6,495 | €158 | €119 | ▼ 24.6% |
| Current investments50/53 | - | - | €850,000 | €950,000 | €700,000 | ▼ 26.3% |
| Cash at bank and in hand54/58 | €774,693 | €943,644 | €150,290 | €137,192 | €142,688 | ▲ 4.0% |
| Deferred charges and accrued income490/1 | - | €21,043 | €25,318 | €21,502 | €10,223 | ▼ 52.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €869,324 | €992,916 | €1.1m | €1.1m | €870,694 | ▼ 22.9% |
| Equity10/15 | €820,603 | €961,219 | €1.0m | €770,764 | €740,355 | ▼ 3.9% |
| Contributions10/11 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €808,203 | €948,819 | €1.0m | €758,364 | €727,955 | ▼ 4.0% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | - | €946,959 | €1.0m | €758,364 | €727,955 | ▼ 4.0% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €48,721 | €31,697 | €32,854 | €358,785 | €130,340 | ▼ 63.7% |
| Amounts payable within one year42/48 | €48,547 | €31,523 | €29,555 | €354,932 | €127,079 | ▼ 64.2% |
| Trade debts44 | €2,605 | €10,763 | €10,994 | €1,829 | €4,483 | ▲ 145% |
| Suppliers440/4 | - | €10,763 | €10,994 | €1,829 | €4,483 | ▲ 145% |
| Taxes, remuneration and social security45 | - | €20,760 | €18,561 | €12,937 | €8,377 | ▼ 35.2% |
| Taxes450/3 | - | €18,975 | €17,813 | €12,937 | €8,377 | ▼ 35.2% |
| Remuneration and social security454/9 | - | €1,785 | €748 | €0 | - | - |
| Other amounts payable47/48 | - | - | - | €340,166 | €114,220 | ▼ 66.4% |
| Accrued charges and deferred income492/3 | - | €174 | €3,299 | €3,853 | €3,260 | ▼ 15.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €366,830 | €140,616 | €64,877 | €84,180 | €69,591 | ▼ 17.3% |
| + Depreciation and write-downs630 | €12,814 | €304 | €5,482 | €5,881 | €5,921 | ▲ 0.7% |
| Operating cash flow (approximation) | €379,644 | €140,921 | €70,358 | €90,061 | €75,512 | ▼ 16.2% |
| Investment in fixed assets (approximation) | - | -€21,743 | -€9,315 | €74 | -€1,214 | ▼ 1,731% |
| Change in cash | - | €168,952 | -€793,355 | -€13,098 | €5,496 | ▲ 142% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Liquidity doublescurrent ratio 6.74
Current ratio from 3.13 to 6.74; short-term debt falls from €354,932 to €127,079.
14-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €64,877 ▼53.9%
Net result drops to €64,877, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €1mEq €1.0m ▲6.7%
5 profitable years in a row build equity to €1.0m.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Highest result since 2019net €366,830 ▲1.3%
Net result €366,830, the highest in the series.
30-06
Financial
Liquidity times 8current ratio 17.91
Current ratio from 2.28 to 17.91; short-term debt falls from €336,314 to €48,547.
30-06
Financial
Equity above €500,000Eq €820,603 ▲80.8%
3 profitable years in a row build equity to €820,603.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
Show earlier events
2020
14-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
12-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
18-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
14-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Asse · 1 establishment unit since 2008
Ground area
1,103 m²
Building footprint
210 m²
Volume, LiDAR
1,013 m³
Parcel 23002F0409/00X003, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DE PAMEI
since 20082.174.028.732
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23002F0409/00X003 | Flanders | 1,103 m² | 1 · 210 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,641 companies in sector 70200 we hold annual accounts for 52,623. 31,047 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-10-2008
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0807150559
Also
9925:BE0807150559
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.