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PALLADIO

Active
Public limited companyfounded 198937 years activeDonkerstraat 2, 2820 Bonheiden, BelgiumKBO/BCE: BE 0438.051.406
Summary

PALLADIO has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.0m and a net result of €4,251. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 89% of 2,716 sector peers (NACE 41, fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Activity
General construction of residential buildings
NACE 41001
#6 company by equity in Bonheiden, Construction sector1 site
Size
€1.3mtotal assets 2025
Equity
€1.0m
Profit
€4,251
Turnover not published (abridged schema)Net result -99%: 12-month year
Financial health
92 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
Accounts filed 2 days late0 of 4 deeds read
Why 92- Sector Construction of residential and non-residential buildings (NACE 41)+ Size: total assets €1.3m+ Founded in 1989+ Equity €1.0m (81.5% of total assets)Show the evidence

Checked score

Score 2025
92 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 52% of its sector peers (NACE 41, micro)
Financial strength · tick = 2024
Strong
Solvency 100=
equity 81.5% of total assets
Liquidity 54+7
short-term debt 15.8% · cash 5.9%
Profitability 45-55
return on assets 0.3%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,362 companies)
Last 24 months 11-2024: 0.8% 12-2024: 1.1%▲ +0.3 percentage points vs 11-2024 01-2025: 2.2%▲ +1.1 percentage points vs 12-2024highest value 02-2025: 0.1%▼ -2.1 percentage points vs 01-2025 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%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.2%▲ +0.1 percentage points vs 12-2025 02-2026: 0.3%▲ +0.1 percentage points vs 01-2026 03-2026: 0.1%▼ -0.2 percentage points vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026lowest value 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026
Credit up to €90,000 at 30 days acceptable
Liquidity ample (current ratio 3.54 against 2.99 in 2024; short-term debt: 15.8% and cash: 5.9% of total assets), and 18.5% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 41, micro): better than 92% on solvency, 58% on liquidity, 26% on profitability and 31% on growth.

The bankruptcy probability was computed on 07-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
−lowers risk+raises risk○neutral
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
KBO
lowers risk · Size: total assets €1.3m
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
lowers risk · Founded in 1989
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
lowers risk · Equity €1.0m (81.5% of total assets)
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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 filings
Deviation from the deadline
2025
2 days late
2024
9 days early
2022
23 days late
2021
26 days late
2020
31 days late
2019
59 days early
2018
41 days 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 4 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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.
Companies Code · seven months
Position in the running window
30-06-2026 close08-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Highest result since 2018net €746,829 ▲1,877%

Key points

  • Result fell in 202512-month fiscal year ▼ 99.4% View
  • Positive: Among the best 12% on solvencysector median 38.6% · 2,716 companies 81.5% View
  • Active since 1989founded 26-07-1989 37 years View

By topic

Financials

Fiscal year
2025
Total assets
€1.3m
Profit
€4,251
Solvency
81.5%
Total assets▼ 7.5%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2016
Next accounts
by 31-01-2027
  1. 30-06-2024Liquidity times 5
  2. 30-06-2024Equity above €1m
  3. 23-08-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
General construction of residential buildingsNACE 41001
Founded
26-07-1989
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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