PAM CONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €130k and a net result of €9k. Equity is growing by ~18.2% per year across the filed fiscal years. Its solvency ranks better than 35% of 5498 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
75 d late
2023
16 d early
2022
4 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€130k▲ 7.6%
2024 · €121k
2022: €52k
2023: €106k
2024: €121k
2022 → 2025
Net result
€9k▼ 39.5%
2024 · €15k
2022: €48k
2023: €54k
2024: €15k
2022 → 2025
Total assets
€378k▲ 7.3%
2024 · €352k
2022: €61k
2023: €136k
2024: €352k
2022 → 2025
Solvency
34.5%▲ 0.1pp
2024 · 34.4%
2022: 84.2%
2023: 77.8%
2024: 34.4%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€52k-€106k▲ 105%€121k▲ 14.3%€130k▲ 7.6%
Operating result€62k-€73k▲ 17.4%€35k▼ 52.3%€31k▼ 12.0%
Net result€48k-€54k▲ 13.6%€15k▼ 72.1%€9k▼ 39.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 12% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €378k
Fixed assets
€251k▼ 1.6%
Current assets
€127k▲ 30.7%
Equity and liabilities €378k
Equity
€130k▲ 7.6%
Debt
€247k▲ 7.1%
The debt ratio falls from 65.6% to 65.5%. Equity and debt are higher.
Key figures and ratios
Solvency
34.5%▲
2024 · 34.4%
ROE
7.0%▼
2024 · 12.5%
ROA
2.4%▼
2024 · 4.3%
Debt
€247k▲
2024 · €231k
Debt ≤ 1 year
€72k▲
2024 · €45k
Debt > 1 year
€175k▼
2024 · €186k
Income taxes
€13k▼
2024 · €14k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€352k€378k▲
Fixed assets21/28€255k€251k▼
Tangible fixed assets22/27€255k€251k▼
Land and buildings22€236k€228k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€13k€11k▼
Other tangible fixed assets26€3k€10k▲
Current assets29/58€97k€127k▲
Amounts receivable within one year40/41€48k€60k▲
Trade receivables40€32k€25k▼
Other amounts receivable41€16k€35k▲
Cash at bank and in hand54/58€36k€60k▲
Deferred charges and accrued income490/1€12k€7k▼
Equity and liabilities
Total equity and liabilities10/49€352k€378k▲
Equity10/15€121k€130k▲
Contributions10/11€4k€4k=
Reserves13€117k€126k▲
Distributable reserves133€117k€126k▲
Amounts payable17/49€231k€247k▲
Amounts payable after more than one year17€186k€175k▼
Financial debts170/4€186k€175k▼
Amounts payable within one year42/48€45k€72k▲
Current portion of amounts payable after more than one year42€10k€11k▲
Financial debts43€808€464▼
Credit institutions430/8€808€464▼
Trade debts44€7k€39k▲
Suppliers440/4€7k€39k▲
Taxes, remuneration and social security45€27k€22k▼
Taxes450/3€23k€22k▼
Remuneration and social security454/9€4k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€14k▲
Other operating charges640/8€1k€610▼
Gross operating margin9900€48k€45k▼
Operating profit (loss)9901€35k€31k▼
Financial income75/76B€939€1k▲
Recurring financial income75€939€1k▲
Financial charges65/66B€7k€10k▲
Recurring financial charges65€7k€10k▲
Profit (loss) for the period before taxes9903€29k€22k▼
Income taxes67/77€14k€13k▼
Profit (loss) for the period9904€15k€9k▼
Profit (loss) for the period to be appropriated9905€15k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€9k▼
Transfer to equity691/2€15k€9k▼
To other reserves6921€15k€9k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €9k ▼39.5%
Net result drops to €9k, the lowest in the series.
14-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 75 days late
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2022net €54k ▲13.6%
Operating result €73k, net result €54k, both a record.
31-12
Financial
Equity above €100kEq €106k ▲105%
2 profitable years in a row build equity to €106k.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zedelgem · 1 establishment unit since 2022
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.
Koning Albertstraat 1278210 ZedelgemGround area
1,601 m²
Building footprint
146 m²
Volume, LiDAR
363 m³
Parcel 31036F0413/00C003, Flanders · tallest building 6.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PAM CONSULTING
since 20222.325.956.961
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31036F0413/00C003 | Flanders | 1,601 m² | 1 · 146 m² | 6.7 m · 1 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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BE 0783.377.938
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IPC BENELUX
BE 0678.902.505
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Nebbio
BE 1000.738.112
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PUBRA INVEST
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 12,939 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2022
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.