P.A.M.B.
ActiveThe computed 12-month bankruptcy probability of P.A.M.B. is 3.7% (moderate). The 2025 annual accounts show negative equity (€-16k) and a net result of €6k. Equity is shrinking by ~57% per year across the filed fiscal years. Its solvency ranks better than 8% of 10345 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+84
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.64 against 0.48 in 2024; short-term debt: 131.7% and cash: 68.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-32.6%
Return on assets
12%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 10345 sector peers (2025).
NBB · sector comparisonPosition among 10345 sector peers
Solvency
better than 8%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
11 d early
2024
2 d early
2023
2 d early
2022
33 d early
2021
4 d early
2020
31 d early
2019
37 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€6k
2024 · €-32k
2019: €19k
2020: €22k
2021: €13k
2022: €-46k
2023: €-15k
2024: €-32k
2019 → 2025
Working capital
€-23k▲ 30.6%
2024 · €-33k
2019: €32k
2020: €45k
2021: €54k
2022: €8k
2023: €-5k
2024: €-33k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€73k-€26k▼ 63.7%€11k▼ 57.6%€-21k€-16k▲ 26.9%
Operating result€19k-€-44k€-14k▲ 68.7%€-31k▼ 126%€6k
Net result€13k-€-46k€-15k▲ 67.1%€-32k▼ 113%€6k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €31k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€8k▼ 33.6%
Current assets
€40k▲ 32.5%
Key figures and ratios
EBITDA
€11k▲
2024 · €-23k
Cash flow
€10k▲
2024 · €-24k
Solvency
-32.6%▲
2024 · -50.9%
Current ratio
0.64▲
2024 · 0.48
Quick ratio
0.64▲
2024 · 0.48
Debt / equity
-4.07▼
2024 · -2.97
ROA
12.0%▲
2024 · -77.7%
Interest coverage
49.40▲
2024 · -35.79
Debt
€63k▲
2024 · €63k
Debt ≤ 1 year
€63k▼
2024 · €63k
Income taxes
€450▲
2024 · €430
Staff costs
€32k▲
2024 · €26k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€42k€48k▲
Fixed assets21/28€12k€8k▼
Tangible fixed assets22/27€9k€5k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€3k€535▼
Financial fixed assets28€3k€3k=
Current assets29/58€30k€40k▲
Amounts receivable within one year40/41€2k€7k▲
Trade receivables40€2k€7k▲
Cash at bank and in hand54/58€27k€33k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€42k€48k▲
Equity10/15€-21k€-16k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-42k€-36k▲
Amounts payable17/49€63k€63k▲
Amounts payable within one year42/48€63k€63k▼
Current portion of amounts payable after more than one year42€3k-
Trade debts44€7k€10k▲
Suppliers440/4€7k€10k▲
Taxes, remuneration and social security45€15k€6k▼
Taxes450/3€12k€2k▼
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€38k€47k▲
Accrued charges and deferred income492/3-€412
Income statement
Code20242025
Remuneration, social security and pensions62€26k€32k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€4k▼
Other operating charges640/8€703€788▲
Gross operating margin9900€3k€43k▲
Operating profit (loss)9901€-31k€6k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€648€220▼
Recurring financial charges65€648€220▼
Profit (loss) for the period before taxes9903€-32k€6k▲
Income taxes67/77€430€450▲
Profit (loss) for the period9904€-32k€6k▲
Profit (loss) for the period to be appropriated9905€-32k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-42k€-36k▲
Profit (loss) brought forward from the previous period14P€-9k€-42k▼
Social balance
Average headcount (FTE)90871.01.1▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €6k
Net result €6k after 3 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-46k ▼459%
Net result drops to €-46k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2019net €22k ▲12%
Operating result €29k, net result €22k, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Elsene · 1 establishment unit since 2019
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Darwinstraat 601050 ElseneGround area
192 m²
Building footprint
102 m²
Volume, LiDAR
1,793 m³
Parcel 21447B0309/00Y007, Brussels · tallest building 21.4 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Villa d'Este
since 20192.289.518.615
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0309/00Y007 | Brussels | 192 m² | 1 · 102 m² | 21.4 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 3,387 companies in sector 47761 we hold annual accounts for 1,156. 485 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-04-2019
Fiscal year end31-12
Activities, NACEBEL
47761Retail sale of flowers, plants, seeds and fertilisers
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.