Turnover
≈ €780,000 estimated
The accounts state no turnover.
PALAMA
Lifetime
16 annual accounts with figures on one time axispeak €547,149 (2025)
€547,149
lowest -€68,114 (2019)
€282,763
peak €425,175 (2025)
€425,175
€11,828
peak 1 FTE (2019)
-not published
Board1 name since 2021
Documentsfilings and deeds
28-04-20261 day before the deadline
2025micro format
No figures for the year before
Key points
from the 2025 annual accountsInvestments
€56,423 16.8 × depreciation
Green is investment, beige is depreciation.
Position in the sector
97.3%
Higher solvency than 95% of companies in head offices and management consultancy. Sector median 55.5% · 39,376 companies.
Checked score
99
Excellent
Financially stronger than 89% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,572 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025lowest value
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: 0.1%▲ +0.1 percentage points vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.2%▲ +0.1 percentage points vs 11-2025highest value
01-2026: 0.1%▼ -0.1 percentage points vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: < 0.1%▼ -0.1 percentage points vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 32.32, cash €259,518
Equity €425,175 (97.3% of total assets)
Sector: Activities of head offices; management consultancy activities (NACE 70)
Size: total assets €437,003
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 86% of them on solvency, 97% on liquidity and 84% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 29-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as PALAMA has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of PALAMA itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for PALAMA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €40,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 32.32 (7.92 in 2023), above the usual 1.5. Short-term debt is 2.7% and cash 59.4% of total assets. 2.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 29-09-2025 was due by 29-04-2026 and was filed on 28-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 day early
2023
on the day
2022
2 days early
2021
1 day early
2020
28 days late
2019
27 days late
2018
27 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 11 days after the deadline. In the sector (NACE 70), the median for financial year 2023 was 7 days before the deadline, and 34% of those companies filed late.
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0898092316
Boekjaar
Gazette deed
Change of role: LABIS Pascal Gérard Bernard Adrien René Jacques, from manager to director
Director discharge: LABIS Pascal Gérard Bernard Adrien René Jacques · General meeting of 08-11-2023 · Gazette deed
Incorporation
published on 27-05-2008 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PALAMA Bonheiden | €437,003 | €547,149 | 97.3% | - |
| Crowe Vandelanotte HR & Payroll Services Antwerp | €445,458 | €533,171 | 29.6% | 7.7 |
| L&L INVEST Schoten | €422,198 | €487,061 | -2.1% | - |
| Focus Consulting Services Sint-Truiden | €460,258 | €512,821 | 59.8% | - |
| Delphy Belgium Beringen | €465,448 | €581,975 | 20.0% | 4 |
| HABEAS Awans | €467,330 | €510,543 | 34.6% | 6.9 |
| MINDSETTING Ypres | €429,009 | €536,735 | 33.8% | 4.8 |
These companies have the same main activity as PALAMA: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €422,000 and €467,000, founded between 2006 and 2011.
Official details
Source: KBO- Status
- Active since 23-05-2008Normal situation
- Activity
- Business and other management consultancyNACE 70200and 1 other
- Establishment unit
- 2.174.017.8442820 Bonheiden, since 23-05-2008
- Financial year end
- 29 September
- Peppol
- Reachable since 19-12-2025
Annual accounts to 29-09-2025
- €437,003
- Employeeson 29-09-2025
- 1
- Filing
- Filed on 28-04-2026, 1 day before the end of the filing period
Insights on PALAMA
PALAMA files the micro format. That format states no turnover. The gross margin rose from €41,588 in 2009 to €547,149 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PALAMA
- What is the company number of PALAMA?
- The company number of PALAMA is 0898.092.316. The VAT number is the same number with BE in front: BE 0898.092.316.
- Where is PALAMA based?
- The registered office is at Molenlei 26, 2820 Bonheiden.Company details
- What does PALAMA do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of PALAMA?
- PALAMA is a private limited company (BV).
- When was PALAMA founded?
- PALAMA was founded on 23-05-2008.
- Is PALAMA still active?
- Yes, PALAMA is an active enterprise in the KBO register.
- How many employees does PALAMA have?
- PALAMA had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of PALAMA?
- The turnover in financial year 2025 is ≈ €780,000. This figure is estimated from the gross margin of €547,149 and 95 comparable companies (NACE 70200). It probably lies between €650,000 and €1.4m.
- Is PALAMA profitable?
- In financial year 2025, PALAMA made a profit of €282,763.
- Where can I find the annual accounts of PALAMA?
- PALAMA filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
Next steps
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