Pagaderke
ActiveThe annual accounts of Pagaderke for fiscal year 2025 show a net loss of 75% of the equity at the start of that year. The 2025 annual accounts show equity of €8k and a net result of €-25k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 384 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▼-57
Solvency26▼-6
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.99 against 1.01 in 2024; short-term debt: 96.9% and cash: 0% of total assets), and 98.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 88
Relative position
BE, all sectors
reference
Sector 88
lower
← fewer bankruptcies
more bankruptcies →
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
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
1.2%
Return on assets
-3.7%
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 384 sector peers (2025).
NBB · sector comparisonPosition among 384 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 27-07-2026, 4 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
4 d early
2024
27 d early
2023
35 d early
2022
on the day
2021
120 d late
2020
8 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€8k▼ 75.4%
2024 · €33k
2020: €46k
2021: €196k
2022: €142k
2023: €-8k
2024: €33k
2020 → 2025
Total assets
€685k▲ 40.7%
2024 · €487k
2020: €108k
2021: €230k
2022: €288k
2023: €349k
2024: €487k
2020 → 2025
Net result
€-25k
2024 · €42k
2020: €27k
2021: €150k
2022: €-55k
2023: €-150k
2024: €42k
2020 → 2025
Working capital
€-10k
2024 · €3k
2020: €-583
2021: €169k
2022: €127k
2023: €-35k
2024: €3k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€196k-€142k▼ 27.8%€-8k€33k€8k▼ 75.4%
Operating result€184k-€-55k€-148k▼ 169%€40k€21k▼ 47.2%
Net result€150k-€-55k€-150k▼ 175%€42k€-25k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 47% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €685k
Fixed assets
€31k▼ 20.9%
Current assets
€654k▲ 46.1%
Equity and liabilities €685k
Equity
€8k▼ 75.4%
Debt
€677k▲ 49.2%
The debt ratio rises from 93.1% to 98.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€31k▼
2024 · €53k
Cash flow
€-15k▼
2024 · €55k
Solvency
1.2%▼
2024 · 6.9%
Current ratio
0.99▼
2024 · 1.01
Quick ratio
0.99▼
2024 · 1.01
Debt / equity
82.26▲
2024 · 13.54
ROE
-307.0%▼
2024 · 125.2%
ROA
-3.7%▼
2024 · 8.6%
Interest coverage
0.50▼
2024 · 5.45
Debt
€677k▲
2024 · €454k
Debt ≤ 1 year
€664k▲
2024 · €445k
Debt > 1 year
€13k▲
2024 · €9k
Income taxes
€415
Staff costs
€1.04M▲
2024 · €840k
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€487k€685k▲
Fixed assets21/28€39k€31k▼
Intangible fixed assets21€26k€23k▼
Tangible fixed assets22/27€13k€8k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€1k€513▼
Other tangible fixed assets26€12k€6k▼
Current assets29/58€448k€654k▲
Amounts receivable within one year40/41€444k€653k▲
Trade receivables40€62k€277k▲
Other amounts receivable41€383k€376k▼
Cash at bank and in hand54/58€3k€93▼
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€487k€685k▲
Equity10/15€33k€8k▼
Reserves13€33k€33k=
Tax-exempt reserves132€2k€2k=
Distributable reserves133€31k€31k=
Profit (loss) carried forward14-€-25k
Amounts payable17/49€454k€677k▲
Amounts payable after more than one year17€9k€13k▲
Financial debts170/4€9k€13k▲
Amounts payable within one year42/48€445k€664k▲
Current portion of amounts payable after more than one year42€8k€13k▲
Financial debts43€10k€11k▲
Credit institutions430/8€10k€11k▲
Trade debts44€245k€15k▼
Suppliers440/4€245k€15k▼
Taxes, remuneration and social security45€161k€590k▲
Taxes450/3-€103k
Remuneration and social security454/9€161k€487k▲
Other amounts payable47/48€20k€34k▲
Income statement
Code20242025
Remuneration, social security and pensions62€840k€1.04M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€10k▼
Other operating charges640/8€718€20k▲
Gross operating margin9900€893k€1.09M▲
Operating profit (loss)9901€40k€21k▼
Financial income75/76B€12k€16k▲
Recurring financial income75€12k€16k▲
Financial charges65/66B€10k€61k▲
Recurring financial charges65€10k€61k▲
Profit (loss) for the period before taxes9903€42k€-25k▼
Income taxes67/77-€415
Profit (loss) for the period9904€42k€-25k▼
Profit (loss) for the period to be appropriated9905€42k€-25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-163k€-25k▲
Profit (loss) brought forward from the previous period14P€-205k-
Transfer from equity791/2€163k-
Social balance
Average headcount (FTE)908717.920.6▲
The notes to these accounts (10 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €42k
Net result €42k after 2 loss-making years.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-150k
Net result drops to €-150k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 120 days late
2021
31-12
Financial
Highest result since 2020net €150k ▲461%
Operating result €184k, net result €150k, both a record.
31-12
Financial
Liquidity times 6current ratio 6.07
Current ratio from 0.99 to 6.07; short-term debt falls from €62k to €33k.
31-12
Financial
Equity above €150kEq €196k ▲327%
2 profitable years in a row build equity to €196k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2021
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-10-2021
Sandra Balemans: Resigned as Director
31-01-2021
Rudy Van Deuren: Resigned as Manager
06-07-2020
Sandra Balemans: Resigned as Director
06-07-2020
VAN DEUREN Rudy Ludo Lisette: Resigned as Director
Location & real-estate footprint
Registered office, Kontich · 4 establishment units since 2015
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.
Zwarthoutstraat 112550 KontichGround area
5.4 ha
Building footprint
7,292 m²
Volume, LiDAR
64,143 m³
5 parcels, Flanders · tallest building 20.8 m, ±4 floors. Linked by address, not a title deed.
4 establishment units
Dapper maantje rijkevorsel
since 20152.242.556.658
Dapper Maantje Malle
since 20222.338.374.149
Dapper maantje Zoersel
since 20232.354.752.105
Dapper maantje Westmalle
since 20252.376.815.348
5 parcels
Flanders
5
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11049D0196/00L000 | Flanders | 4.8 ha | 1 · 6,134 m² | 20.8 m · 4 fl. |
| 11048B0307/00W000 | Flanders | 2,017 m² | 1 · 319 m² | 4.8 m · 1 fl. |
| 11032D0376/00W000 | Flanders | 1,677 m² | 1 · 394 m² | 10.1 m · 1 fl. |
| 11055A0133/00L002 | Flanders | 1,360 m² | 1 · 224 m² | - |
| 13037H0439/00F000 | Flanders | 1,111 m² | 1 · 222 m² | 7.6 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 4
5 of 5 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
3 connected companiesNetwork connections
Shared address
→
Shared address
→
Shared address
→
Public money · subsidies and aid
Flemish government
2022 to 2025 · 9 entries · 2,859,468 EUR awarded · 2,862,603 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 1,047,029 EUR | 1,050,164 EUR |
| 2024 | 2 | 956,616 EUR | 956,616 EUR |
| 2023 | 3 | 595,960 EUR | 595,960 EUR |
| 2022 | 2 | 259,863 EUR | 259,863 EUR |
Schemes
Subsidies voorschoolse kinderopvang
Subsidie aan instellingen in het beleidsdomein Welzijn, Volksgezondheid en Gezin voor de tussenkomst in de energiekost in 2023
Inkomenstarief kinderopvang
Recognitions · licences · registrations
Food safety, FASFC
3 sitesMalle2.338.374.149
Rijkevorsel2.242.556.658
Zoersel2.354.752.105
Care and welfare
5 services · 4 liveDapper maantje Malle
Dapper maantje Rijkevorsel
Dapper maantje Westmalle
Dapper maantje Zoersel
Show 1 more services
Pagaderke
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Of 1,590 companies in sector 88911 we hold annual accounts for 705. 256 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-04-2014
Fiscal year end31-12
Activities, NACEBEL
88911Day nurseries and crèches
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
5 entriesWebsite:www.pagaderke.be
E-mail:info.dappermaantje@gmail.com
E-mail:info@pagaderke.be
Phone:0472255969