PAGOMA
ActiveFor PAGOMA, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €380k and a net result of €25k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 18389 sector peers (fiscal year 2023). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability77▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
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 2023Solvency, return and age of the figures
Solvency
96.1%
Return on assets
6.3%
Age of the figures
33 mo
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline21-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 28-08-2024, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
28 d late
2022
28 d early
2021
74 d late
2020
89 d late
2019
112 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Turnover
€56k
EBIT margin
28.9%
Net result
€25k▼ 3.9%
2022 · €26k
2018: €13k
2019: €24k
2020: €27k
2021: €31k
2022: €26k
2018 → 2023
Working capital
€291k▲ 12.1%
2022 · €259k
2018: €146k
2019: €173k
2020: €202k
2021: €233k
2022: €259k
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Equity€271k-€298k▲ 9.9%€329k▲ 10.3%€355k▲ 7.9%€380k▲ 7.1%
Operating result€22k-€20k▼ 6.9%€29k▲ 44.3%€21k▼ 29.0%€22k▲ 3.2%
Net result€24k-€27k▲ 13.9%€31k▲ 14.5%€26k▼ 15.4%€25k▼ 3.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2023; 2023 is 3% above 2022.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €396k
Fixed assets
€93k▼ 3.3%
Current assets
€303k▲ 9.7%
Equity and liabilities €396k
Equity
€380k▲ 7.1%
Debt
€16k▼ 7.9%
The debt ratio falls from 4.5% to 3.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€25k▲
2022 · €24k
Cash flow
€28k▼
2022 · €29k
Solvency
96.1%▲
2022 · 95.5%
Current ratio
24.49▲
2022 · 16.40
Quick ratio
24.49▲
2022 · 16.40
Debt / equity
0.04▼
2022 · 0.05
ROE
6.6%▼
2022 · 7.4%
ROA
6.3%▼
2022 · 7.0%
Interest coverage
63.06▲
2022 · 55.85
Debt
€16k▼
2022 · €17k
Debt ≤ 1 year
€12k▼
2022 · €17k
Income taxes
€9k▼
2022 · €9k
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€372k€396k▲
Fixed assets21/28€96k€93k▼
Tangible fixed assets22/27€96k€93k▼
Land and buildings22€96k€93k▼
Current assets29/58€276k€303k▲
Amounts receivable within one year40/41€276k€299k▲
Other amounts receivable41€276k€299k▲
Current investments50/53€5€5=
Cash at bank and in hand54/58€0€4k▲
Equity and liabilities
Total equity and liabilities10/49€372k€396k▲
Equity10/15€355k€380k▲
Contributions10/11€149k€149k=
Capital10€149k€149k=
Issued capital100€149k€149k=
Reserves13€207k€232k▲
Non-distributable reserves130/1€10k€11k▲
Legal reserve130€10k€11k▲
Distributable reserves133€197k€221k▲
Amounts payable17/49€17k€16k▼
Amounts payable within one year42/48€17k€12k▼
Current portion of amounts payable after more than one year42€4k€4k▼
Financial debts43€845€0▼
Other loans439€845€0▼
Trade debts44€2k€384▼
Suppliers440/4€2k€384▼
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€10k€8k▼
Accrued charges and deferred income492/3€33€3k▲
Income statement
Code20222023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€7k€8k▲
Gross operating margin9900€31k€32k▲
Operating profit (loss)9901€21k€22k▲
Financial income75/76B€15k€13k▼
Recurring financial income75€15k€13k▼
Financial charges65/66B€429€391▼
Recurring financial charges65€429€391▼
Profit (loss) for the period before taxes9903€35k€34k▼
Income taxes67/77€9k€9k▼
Profit (loss) for the period9904€26k€25k▼
Profit (loss) for the period to be appropriated9905€26k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€25k▼
Transfer to equity691/2€26k€25k▼
To the legal reserve6920€1k€1k▼
To other reserves6921€25k€24k▼
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 74 days late
2021
31-12
Financial
Highest result since 2018net €31k ▲14.5%
Operating result €29k, net result €31k, both a record.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 112 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 57 days late
05-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 189 days late
2016
19-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 19 days late
2015
28-07
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 acts for this company are 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, Genk · 1 establishment unit since 1991
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.
Bochtlaan 53600 GenkGround area
575 m²
Building footprint
568 m²
Volume, LiDAR
4,722 m³
Parcel 71016I1411/00X006, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bochtlaan 5, 3600 Genk
since 19912.052.806.149
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71016I1411/00X006 | Flanders | 575 m² | 1 · 568 m² | 11.8 m · 3 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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AMBITIONS POUR L'EMPLOI
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IMMOBILIERE-RURALE
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DILIN
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Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 4,986 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-04-1991
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.