PAMABO
ActivePAMABO has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.20M and a net result of €78k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 95% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500k at 30 days acceptable
Liquidity ample (current ratio 80.03 against 86.62 in 2024; short-term debt: 0.5% and cash: 9.7% of total assets), and 0.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
99.3%
Return on assets
1.2%
Age of the figures
9 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
8 d early
2023
20 d early
2022
27 d early
2021
6 d early
2020
33 d early
2019
24 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€6.20M▲ 1.3%
2024 · €6.12M
2018: €6.10M
2019: €6.20M
2020: €6.19M
2021: €6.20M
2022: €6.02M
2023: €5.99M
2024: €6.12M
2018 → 2025
Total assets
€6.24M▲ 1.3%
2024 · €6.17M
2018: €7.67M
2019: €6.25M
2020: €6.22M
2021: €6.22M
2022: €6.09M
2023: €6.00M
2024: €6.17M
2018 → 2025
Net result
€78k▼ 38.0%
2024 · €126k
2018: €984k
2019: €100k
2020: €-7k
2021: €4k
2022: €-172k
2023: €-29k
2024: €126k
2018 → 2025
Working capital
€2.56M▲ 2.7%
2024 · €2.50M
2018: €2.08M
2019: €3.09M
2020: €3.12M
2021: €3.21M
2022: €3.15M
2023: €3.20M
2024: €2.50M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6.20M-€6.02M▼ 2.8%€5.99M▼ 0.5%€6.12M▲ 2.1%€6.20M▲ 1.3%
Operating result€-18k-€-84k▼ 359%€-75k▲ 10.0%€56k€8k▼ 85.5%
Net result€4k-€-172k€-29k▲ 83.1%€126k€78k▼ 38.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 86% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.24M
Fixed assets
€3.65M▲ 0.2%
Current assets
€2.59M▲ 2.8%
Equity and liabilities €6.24M
Equity
€6.20M▲ 1.3%
Debt
€46k▲ 0.1%
The debt ratio stays at 0.7%.
Key figures and ratios
EBITDA
€160k▼
2024 · €177k
Cash flow
€230k▼
2024 · €247k
Solvency
99.3%=
2024 · 99.3%
Current ratio
80.03▼
2024 · 86.62
Quick ratio
78.62▼
2024 · 85.06
Debt / equity
0.01▼
2024 · 0.01
ROE
1.3%▼
2024 · 2.1%
ROA
1.2%▼
2024 · 2.0%
Interest coverage
184.48▲
2024 · 106.41
Debt
€46k▲
2024 · €46k
Debt ≤ 1 year
€32k▲
2024 · €29k
Income taxes
€1k▲
2024 · €139
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€6.17M€6.24M▲
Fixed assets21/28€3.64M€3.65M▲
Tangible fixed assets22/27€3.48M€3.49M▲
Land and buildings22€2.87M€2.90M▲
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€18k€26k▲
Other tangible fixed assets26€586k€558k▼
Financial fixed assets28€164k€164k=
Current assets29/58€2.52M€2.59M▲
Stocks and contracts in progress3€45k€45k=
Stocks30/36€45k€45k=
Amounts receivable within one year40/41€41k€54k▲
Trade receivables40€27k€27k▲
Other amounts receivable41€14k€27k▲
Current investments50/53€1.85M€1.87M▲
Cash at bank and in hand54/58€583k€608k▲
Deferred charges and accrued income490/1€4k€18k▲
Equity and liabilities
Total equity and liabilities10/49€6.17M€6.24M▲
Equity10/15€6.12M€6.20M▲
Contributions10/11€19k€19k=
Reserves13€3.29M€3.29M=
Distributable reserves133€3.29M€3.29M=
Profit (loss) carried forward14€2.81M€2.89M▲
Amounts payable17/49€46k€46k▲
Amounts payable within one year42/48€29k€32k▲
Trade debts44€9k€22k▲
Suppliers440/4€9k€22k▲
Taxes, remuneration and social security45€20k€8k▼
Taxes450/3€20k€8k▼
Other amounts payable47/48-€2k
Accrued charges and deferred income492/3€17k€14k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€121k€152k▲
Other operating charges640/8€23k€24k▲
Gross operating margin9900€199k€184k▼
Operating profit (loss)9901€56k€8k▼
Financial income75/76B€72k€72k▲
Recurring financial income75€72k€72k▲
Financial charges65/66B€2k€869▼
Recurring financial charges65€2k€869▼
Profit (loss) for the period before taxes9903€126k€79k▼
Income taxes67/77€139€1k▲
Profit (loss) for the period9904€126k€78k▼
Profit (loss) for the period to be appropriated9905€126k€78k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.81M€2.89M▲
Profit (loss) brought forward from the previous period14P€2.69M€2.81M▲
The notes to these accounts (10 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €126k
Net result €126k after 2 loss-making years.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity times 13current ratio 870.08
Current ratio from 65.05 to 870.08; short-term debt falls from €49k to €4k.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-172k ▼4155%
Net result drops to €-172k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity times 9current ratio 1446.09
Current ratio from 153.21 to 1446.09; short-term debt falls from €20k to €2k.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity times 20current ratio 153.21
Current ratio from 7.63 to 153.21; short-term debt falls from €314k to €20k.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 57 days late
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 421 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Maldegem · 1 establishment unit since 2006
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.
Rootweg 89991 MaldegemGround area
1,562 m²
Building footprint
427 m²
Volume, LiDAR
1,597 m³
Parcel 43001H0388/00M000, Flanders · tallest building 4.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PAMABO
since 20062.156.394.429
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43001H0388/00M000 | Flanders | 1,562 m² | 1 · 427 m² | 4.5 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.
Similar companies · same sector, comparable size
ELANJI
BE 0772.353.986
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WTSS PARC MOUSCRON
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Tondelier Development
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LIEGE OFFICE CENTER
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LIVING STONE PROMOTIONS
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Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 1,630 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-06-2006
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
70111
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.