PALOMA
ActiveSummary
PALOMA has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €225,914 and a net result of €1,373. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 44% of 19923 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability69▲+2
Solvency86▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18,000 at 30 days acceptable
Liquidity ample (current ratio 2.06 against 1.86 in 2023; short-term debt: 8.1% and cash: 7.2% of total assets), and 38.7% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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
29 d late
2023
30 d late
2022
3 d late
2021
40 d early
2020
18 d early
2019
55 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 9 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
In the rankings
#6 oldest company in Tervuren, Health and social work sector
Equity
€225,914▼ 3.3%
2023 · €233,702
Total assets
€368,682▼ 5.2%
2023 · €388,812
Net result
€1,373
2023 · -€4,522
Working capital
€31,522▲ 11.8%
2023 · €28,195
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€1,634▲ 82.0%€4,201€13,207▲ 214%€1,041▼ 92.1%€7,139▲ 586%
Net result-€2,423below the sector's middle half▲ 75.0%€3,810below the sector's middle half€11,852below the sector's middle half▲ 211%-€4,522below the sector's middle half€1,373below the sector's middle half
Equity€222,562within the sector's middle half▼ 1.1%€226,372within the sector's middle half▲ 1.7%€238,223within the sector's middle half▲ 5.2%€233,702within the sector's middle half▼ 1.9%€225,914within the sector's middle half▼ 3.3%
Total assets€250,534below the sector's middle half▼ 6.4%€262,005within the sector's middle half▲ 4.6%€255,086within the sector's middle half▼ 2.6%€388,812within the sector's middle half▲ 52.4%€368,682within the sector's middle half▼ 5.2%
Debt€27,869▼ 34.5%€35,507▲ 27.4%€16,725▼ 52.9%€154,973▲ 827%€142,631▼ 8.0%
Working capital€57,976within the sector's middle half▲ 10.2%€84,029within the sector's middle half▲ 44.9%€83,288within the sector's middle half▼ 0.9%€28,195within the sector's middle half▼ 66.1%€31,522within the sector's middle half▲ 11.8%
Solvency88.8%above the sector's middle half▲ 4.8pp86.4%above the sector's middle half▼ 2.4pp93.4%above the sector's middle half▲ 7.0pp60.1%within the sector's middle half▼ 33.3pp61.3%within the sector's middle half▲ 1.2pp
Current ratio5.60within the sector's middle half▲ 0.418.44above the sector's middle half▲ 2.8415.11above the sector's middle half▲ 6.661.86within the sector's middle half▼ 13.252.06within the sector's middle half▲ 0.20
Return on assets (ROA)-1.0%below the sector's middle half▲ 2.7pp1.5%below the sector's middle half▲ 2.4pp4.6%below the sector's middle half▲ 3.2pp-1.2%below the sector's middle half▼ 5.8pp0.4%below the sector's middle half▲ 1.5pp
Staff (FTE)0.41▲ 150%
above
within
below
the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
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 recovers in 2024; 2024 is 586% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €368,682
Fixed assets
€307,425 ▼ 6.2%
Current assets
€61,257 ▲ 0.2%
Equity and liabilities €368,682
Equity
€225,914 ▼ 3.3%
Provisions
€138 =
Debt
€142,631 ▼ 8.0%
Debt's share of the balance-sheet total falls from 39.9% to 38.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€31,699▼
2023 · €38,785
Cash flow
€25,933▼
2023 · €33,222
Debt to equity
0.63▼
2023 · 0.66
ROE
0.6%▲
2023 · -1.9%
Interest coverage
7.52▼
2023 · 8.17
Debt ≤ 1 year
€29,735▼
2023 · €32,922
Debt > 1 year
€105,509▼
2023 · €119,077
Income taxes
€1,556▲
2023 · €1,014
Staff costs
€52,508▲
2023 · €36,443
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,027 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,027 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €942 | €3,119 | ▲ 231% |
| Remuneration, social security and pensions62 | - | - | - | €36,443 | €52,508 | ▲ 44.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25,537 | €24,049 | €19,184 | €37,744 | €24,560 | ▼ 34.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €122 | €1,509 | €49 | ▼ 96.8% |
| Other operating charges640/8 | - | - | €1,749 | €4,891 | €2,503 | ▼ 48.8% |
| Gross operating margin9900 | €26,070 | €29,372 | €34,263 | €81,628 | €86,759 | ▲ 6.3% |
| Operating profit (loss)9901 | -€1,634 | €4,201 | €13,207 | €1,041 | €7,139 | ▲ 586% |
| Financial income75/76B | - | - | - | €201 | €5 | ▼ 97.5% |
| Recurring financial income75 | €2 | €5 | - | €201 | €5 | ▼ 97.5% |
| Financial charges65/66B | - | - | €149 | €4,750 | €4,215 | ▼ 11.3% |
| Recurring financial charges65 | €608 | €242 | €149 | €4,750 | €4,215 | ▼ 11.3% |
| Profit (loss) for the period before taxes9903 | -€2,240 | €3,963 | €13,059 | -€3,508 | €2,929 | ▲ 183% |
| Transfer to deferred taxes680 | - | - | €12 | - | - | - |
| Income taxes67/77 | €161 | €131 | €1,195 | €1,014 | €1,556 | ▲ 53.5% |
| Profit (loss) for the period9904 | -€2,423 | €3,810 | €11,852 | -€4,522 | €1,373 | ▲ 130% |
| Transfer to tax-exempt reserves689 | - | - | €49 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | -€2,512 | €3,721 | €11,802 | -€4,522 | €1,373 | ▲ 130% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €250,534 | €262,005 | €255,086 | €388,812 | €368,682 | ▼ 5.2% |
| Fixed assets21/28 | €179,956 | €166,684 | €165,894 | €327,696 | €307,425 | ▼ 6.2% |
| Intangible fixed assets21 | €1,210 | - | - | - | - | - |
| Tangible fixed assets22/27 | €178,684 | €166,622 | €165,832 | €327,634 | €307,363 | ▼ 6.2% |
| Land and buildings22 | - | - | €162,027 | €324,147 | €301,390 | ▼ 7.0% |
| Plant, machinery and equipment23 | - | - | €1,684 | €1,896 | €1,115 | ▼ 41.2% |
| Furniture and vehicles24 | - | - | €2,121 | €1,591 | €4,858 | ▲ 205% |
| Financial fixed assets28 | €62 | €62 | €62 | €62 | €62 | = |
| Current assets29/58 | €70,578 | €95,320 | €89,193 | €61,117 | €61,257 | ▲ 0.2% |
| Amounts receivable within one year40/41 | €26,379 | €34,231 | €36,644 | €31,327 | €33,625 | ▲ 7.3% |
| Trade receivables40 | - | - | €35,892 | €30,817 | €33,115 | ▲ 7.5% |
| Other amounts receivable41 | - | - | €753 | €510 | €510 | = |
| Cash at bank and in hand54/58 | €42,697 | €59,285 | €51,024 | €28,919 | €26,472 | ▼ 8.5% |
| Deferred charges and accrued income490/1 | - | - | €1,524 | €870 | €1,159 | ▲ 33.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €250,534 | €262,005 | €255,086 | €388,812 | €368,682 | ▼ 5.2% |
| Equity10/15 | €222,562 | €226,372 | €238,223 | €233,702 | €225,914 | ▼ 3.3% |
| Contributions10/11 | - | - | €238,382 | €238,382 | €238,382 | = |
| Reserves13 | €12,617 | €12,707 | €12,756 | €12,756 | €3,595 | ▼ 71.8% |
| Non-distributable reserves130/1 | - | - | €781 | €656 | - | - |
| Reserves not available under the articles1311 | - | - | €656 | €656 | - | - |
| Other1319 | - | - | €125 | - | - | - |
| Tax-exempt reserves132 | - | - | €3,470 | €3,470 | €3,470 | = |
| Distributable reserves133 | - | - | €8,505 | €8,630 | €125 | ▼ 98.6% |
| Profit (loss) carried forward14 | -€28,438 | -€24,717 | -€12,915 | -€17,436 | -€16,063 | ▲ 7.9% |
| Provisions and deferred taxes16 | €103 | €126 | €138 | €138 | €138 | = |
| Deferred taxes168 | - | - | €138 | €138 | €138 | = |
| Amounts payable17/49 | €27,869 | €35,507 | €16,725 | €154,973 | €142,631 | ▼ 8.0% |
| Amounts payable after more than one year17 | €1,171 | - | - | €119,077 | €105,509 | ▼ 11.4% |
| Financial debts170/4 | - | - | - | €119,077 | €105,509 | ▼ 11.4% |
| Amounts payable within one year42/48 | €12,602 | €11,291 | €5,904 | €32,922 | €29,735 | ▼ 9.7% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €6,908 | - |
| Trade debts44 | €2,479 | €3,395 | €4,710 | €10,465 | €7,811 | ▼ 25.4% |
| Suppliers440/4 | - | - | €4,710 | €10,465 | €7,811 | ▼ 25.4% |
| Taxes, remuneration and social security45 | - | - | €1,195 | €10,070 | €10,170 | ▲ 1.0% |
| Taxes450/3 | - | - | €1,195 | €1,014 | €3,027 | ▲ 199% |
| Remuneration and social security454/9 | - | - | - | €9,056 | €7,143 | ▼ 21.1% |
| Other amounts payable47/48 | - | - | - | €12,388 | €4,845 | ▼ 60.9% |
| Accrued charges and deferred income492/3 | - | - | €10,821 | €2,974 | €7,387 | ▲ 148% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,423 | €3,810 | €11,852 | -€4,522 | €1,373 | ▲ 130% |
| + Depreciation and write-downs630 | €25,537 | €24,049 | €19,184 | €37,744 | €24,560 | ▼ 34.9% |
| Operating cash flow (approximation) | €23,114 | €27,859 | €31,036 | €33,222 | €25,933 | ▼ 21.9% |
| Investment in fixed assets (approximation) | - | -€10,777 | -€18,393 | -€199,546 | -€4,290 | ▲ 97.9% |
| Change in cash | - | €16,588 | -€8,261 | -€22,105 | -€2,447 | ▲ 88.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €1,373
Net result €1,373 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
31-03
Financial
Highest result since 2019net €11,852 ▲211%
Operating result €13,207, net result €11,852, both a record.
2021
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €3,810
Net result €3,810 after 2 loss-making years.
2020
13-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
06-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2017
05-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2015
18-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2014
25-09
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Tervuren · 1 establishment unit since 2001
Ground area
9.8 ha
Building footprint
73 m²
Volume, LiDAR
556 m³
2 parcels, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PALOMA
since 20012.181.971.448
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24114B0376/00F000 | Flanders | 9.8 ha | - | - |
| 24104C0111/00H009 | Flanders | 73 m² | 1 · 73 m² | 11.7 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 1,080 EUR awarded · 1,080 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 540 EUR |
| 2024 | 1 | 1,080 EUR | 540 EUR |
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Of 388 companies in sector 86996 we hold annual accounts for 47. 24 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-03-2001
Fiscal year end31-12
Activities, NACEBEL 2025
86996Human health activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0474433235
Also
9925:BE0474433235
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.