Equity
-€11,088
Debts exceed assets in financial year 2025.
PAM
Lifetime
7 annual accounts with figures on one time axispeak €7,925 (2023)
€5,079
lowest -€8,551 (2018)
€633
peak €10,049 (2018)
-€11,088
€62,278
Board2 names since 2018
2 directors and 1 other
Documentsfilings and deeds
31-08-202631 days late
2025micro format
No annual accounts filed for 2024
Key points
from the 2025 annual accountsTurnover
≈ €20,000 estimated
The micro format states no turnover.
Debts
€62,278 122% of the balance sheet
After one year 1%Within one year 99%
Of this, €61,456 falls due within a year.
Filings
7 annual accounts 7 late
The 2021 accounts came latest: 153 days after the end of the period.
Starting capital
€18,600 100 shares
Position in the sector
-21.7%
Lower solvency than 90% of companies in real estate. Sector median 31.0% · 19,803 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 907 companies had the same profile as PAM has now. Each dot stands for 3 companies, two years later.
89.3%
were still trading
4.2%
stopped another way
6.1%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,762 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 907 companies, not a prediction for PAM. 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
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Board and ownership
Manager
Manager
- 50 sharesdeed of 08-03-2018
- 50 sharesdeed of 08-03-2018
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0691778264
Resignations & appointments
General meeting of 04-07-2018 · Gazette deed
Incorporation
Founding capital of €18,600, 100 shares · Founders: and · Appointments: (manager) and (manager) · published on 08-03-2018 · Gazette deed
First establishment
Congreslaan 20, Ghent
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PAM Ghent | €51,189 | €5,079 | -21.7% | - |
| TI.AGO Lasne | €70,826 | €4,103 | 94.3% | - |
| BOMONA Leuven | €51,646 | €6,862 | 85.9% | - |
| Ter Palle Invest Lebbeke | €53,525 | €9,938 | 2.8% | - |
| VOLCKAERT PROPERTY MANAGEMENT Herzele | €62,176 | €8,018 | 30.8% | - |
| CURUBA Wavre | €96,249 | €6,548 | 52.3% | - |
| SER & CO Nieuwpoort | €50,215 | €3,985 | 92.2% | - |
These companies have the same main activity as PAM: property management for co-owned buildings (syndics) (NACE 68321). They are comparable in size and age: total assets between €50,200 and €96,200, founded between 2014 and 2021.
Official details
Source: KBO- Status
- Active since 06-03-2018Normal situation
- Activity
- Property management for co-owned buildings (syndics)NACE 68321
- Establishment unit
- 2.274.191.6259000 Ghent, since 06-03-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 04-01-2026
Insights on PAM
PAM files the micro format. That format states no turnover. The gross margin rose from -€3,788 in 2018 to €5,079 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 PAM
- What is the company number of PAM?
- The company number of PAM is 0691.778.264. The VAT number is the same number with BE in front: BE 0691.778.264.
- Where is PAM based?
- The registered office is at Congreslaan 20, 9000 Ghent.Company details
- What does PAM do?
- According to the KBO register, the main activity is property management for co-owned buildings (syndics) (NACE 68321).
- What is the legal form of PAM?
- PAM is a private limited company (pre-2019) (BVBA).
- When was PAM founded?
- PAM was founded on 06-03-2018.
- Is PAM still active?
- Yes, PAM is an active enterprise in the KBO register.
- What is the turnover of PAM?
- The turnover in financial year 2025 is ≈ €20,000. This figure is estimated from the gross margin of €5,079 and 42 comparable companies (NACE 683). It probably lies between €7,600 and €38,000. It is a rough estimate.Financials
- Is PAM profitable?
- In financial year 2025, PAM made a profit of €633.
- Where can I find the annual accounts of PAM?
- PAM filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PAM due?
- PAM must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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