PAMA DECOR 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 €54k and a net result of €7k. Equity is growing by ~55.2% per year across the filed fiscal years. Its solvency ranks better than 17% of 7980 sector peers (fiscal year 2025). The company has been active since 2011 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 7980 sector peers (2025).
NBB · sector comparisonPosition among 7980 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
17 d early
2023
29 d late
2022
13 d early
2021
18 d early
2020
24 d late
2019
31 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, micro schema
Equity
€54k▲ 15.0%
2024 · €47k
2018: €-16k
2019: €-15k
2020: €4k
2021: €13k
2022: €21k
2023: €30k
2024: €47k
2018 → 2025
Net result
€7k▼ 59.0%
2024 · €17k
2018: €-10k
2019: €474
2020: €19k
2021: €8k
2022: €9k
2023: €8k
2024: €17k
2018 → 2025
Total assets
€507k▼ 6.0%
2024 · €539k
2018: €195k
2019: €183k
2020: €228k
2021: €206k
2022: €185k
2023: €472k
2024: €539k
2018 → 2025
Solvency
10.7%▲ 2.0pp
2024 · 8.7%
2018: -8.0%
2019: -8.2%
2020: 1.8%
2021: 6.1%
2022: 11.5%
2023: 6.3%
2024: 8.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€21k▲ 69.4%€30k▲ 39.6%€47k▲ 57.9%€54k▲ 15.0%
Operating result€17k-€18k▲ 6.8%€11k▼ 36.7%€22k▲ 93.0%€13k▼ 40.6%
Net result€8k-€9k▲ 3.9%€8k▼ 3.4%€17k▲ 104%€7k▼ 59.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €507k
Fixed assets
€492k▼ 6.8%
Current assets
€15k▲ 27.8%
Equity and liabilities €507k
Equity
€54k▲ 15.0%
Debt
€453k▼ 8.0%
The debt ratio falls from 91.3% to 89.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
10.7%▲
2024 · 8.7%
ROE
13.1%▼
2024 · 36.7%
ROA
1.4%▼
2024 · 3.2%
Debt
€453k▼
2024 · €492k
Debt ≤ 1 year
€445k▼
2024 · €481k
Debt > 1 year
€7k▼
2024 · €12k
Income taxes
€4k▲
2024 · €2k
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€539k€507k▼
Fixed assets21/28€527k€492k▼
Tangible fixed assets22/27€527k€492k▼
Land and buildings22€464k€443k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€60k€46k▼
Assets under construction and advance payments27€0-
Current assets29/58€12k€15k▲
Stocks and contracts in progress3€235€116▼
Stocks30/36€235€116▼
Amounts receivable within one year40/41€5k€7k▲
Trade receivables40€4k€7k▲
Other amounts receivable41€606€606=
Cash at bank and in hand54/58€5k€7k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€539k€507k▼
Equity10/15€47k€54k▲
Contributions10/11€13k€13k=
Reserves13€34k€41k▲
Distributable reserves133€34k€41k▲
Amounts payable17/49€492k€453k▼
Amounts payable after more than one year17€12k€7k▼
Financial debts170/4€12k€7k▼
Amounts payable within one year42/48€481k€445k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€2k€620▼
Suppliers440/4€2k€620▼
Taxes, remuneration and social security45€3k€7k▲
Taxes450/3€3k€7k▲
Other amounts payable47/48€470k€433k▼
Accrued charges and deferred income492/3€25€1k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€40k▲
Other operating charges640/8€5k€4k▼
Non-recurring operating charges66A€0€7▲
Gross operating margin9900€57k€56k▼
Operating profit (loss)9901€22k€13k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€20k€11k▼
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€17k€7k▼
Profit (loss) for the period to be appropriated9905€17k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€7k▼
Transfer to equity691/2€17k€7k▼
To other reserves6921€17k€7k▼
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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Highest result since 2018net €19k ▲3963%
Operating result €27k, net result €19k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €474
Net result €474 after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Aubel · 1 establishment unit since 2011
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.
Les Terrasses 44880 AubelGround area
4,711 m²
Building footprint
515 m²
Volume, LiDAR
4,452 m³
2 parcels, Wallonia · tallest building 14.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Outre-Cour 28, 4651 Herve
since 20112.246.557.315
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63003B0637/00R000 | Wallonia | 3,642 m² | 1 · 319 m² | 14.3 m · 4 fl. |
| 63006D0652/00N004 | Wallonia | 1,069 m² | 1 · 196 m² | 8.6 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHerve2.246.557.315
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 10,651 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2011
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.