PaMe
ActivePaMe has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-129k) and a net result of €-84k. Equity is shrinking by ~73.7% per year across the filed fiscal years. Its solvency ranks better than 5% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-34
Solvency0▼-21
Growth32▼-26
Track record94
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 5.06 against 0.08 in 2023; short-term debt: 13.3% and cash: 27.3% of total assets), but equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-72.7%
Return on assets
-47.4%
Age of the figures
12 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
222325
2022 to 2025 · latest year €-129k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-01-2026, 104 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
104 d early
2023
35 d early
2022
26 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€-129k▼ 187%
2023 · €-45k
2022: €-30k
2023: €-45k
2022 → 2025
Total assets
€178k▼ 82.3%
2023 · €1.00M
2022: €258k
2023: €1.00M
2022 → 2025
Net result
€-84k▼ 449%
2023 · €-15k
2022: €-30k
2023: €-15k
2022 → 2025
Working capital
€96k
2023 · €-695k
2022: €73k
2023: €-695k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232025Trend
Equity€-30k-€-45k▼ 51.6%€-129k▼ 187%
Operating result€-25k-€-6k▲ 74.9%€-27k▼ 334%
Net result€-30k-€-15k▲ 48.4%€-84k▼ 449%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €-27k in 2025, compared with €-6k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €178k
Fixed assets
€58k▼ 93.8%
Current assets
€119k▲ 86.5%
Key figures and ratios
Solvency
-72.7%▼
2023 · -4.5%
Current ratio
5.06▲
2023 · 0.08
Quick ratio
5.06▲
2023 · 0.08
Debt / equity
-2.38▲
2023 · -23.30
ROA
-47.4%▼
2023 · -1.5%
Debt
€307k▼
2023 · €1.05M
Debt ≤ 1 year
€24k▼
2023 · €759k
Debt > 1 year
€275k=
2023 · €275k
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 2023
Balance sheet
Code20232025
Assets
Total assets20/58€1.00M€178k▼
Fixed assets21/28€940k€58k▼
Tangible fixed assets22/27€940k€58k▼
Land and buildings22€150k€58k▼
Assets under construction and advance payments27€790k-
Current assets29/58€64k€119k▲
Amounts receivable within one year40/41€14k€53k▲
Trade receivables40€10k€53k▲
Other amounts receivable41€4k€64▼
Cash at bank and in hand54/58€49k€48k▼
Deferred charges and accrued income490/1€1k€17k▲
Equity and liabilities
Total equity and liabilities10/49€1.00M€178k▼
Equity10/15€-45k€-129k▼
Contributions10/11€1€1=
Profit (loss) carried forward14€-45k€-129k▼
Amounts payable17/49€1.05M€307k▼
Amounts payable after more than one year17€275k€275k=
Other amounts payable178/9€275k€275k=
Amounts payable within one year42/48€759k€24k▼
Trade debts44€44k€24k▼
Suppliers440/4€44k€24k▼
Other amounts payable47/48€715k-
Accrued charges and deferred income492/3€15k€8k▼
Income statement
Code20232025
Non-recurring operating income76A-€2.27M
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A-€2.27M
Gross operating margin9900€-4k€2.25M▲
Operating profit (loss)9901€-6k€-27k▼
Financial income75/76B€8k-
Recurring financial income75€8k-
Financial charges65/66B€17k€57k▲
Recurring financial charges65€17k€57k▲
Profit (loss) for the period before taxes9903€-15k€-84k▼
Profit (loss) for the period9904€-15k€-84k▼
Profit (loss) for the period to be appropriated9905€-15k€-84k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-45k€-129k▼
Profit (loss) brought forward from the previous period14P€-30k€-45k▼
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
2026
16-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Weakest financial yearnet €-84k
Net result drops to €-84k, the lowest in the series.
30-09
Financial
Liquidity times 60current ratio 5.06
Current ratio from 0.08 to 5.06; short-term debt falls from €759k to €24k.
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Lummen · 1 establishment unit since 2021
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.
Pastorijstraat 1A3560 LummenGround area
2,325 m²
Building footprint
106 m²
Volume, LiDAR
888 m³
2 parcels, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PaMe
since 20212.331.212.480
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71038D0059/00E000 | Flanders | 1,577 m² | - | - |
| 71038D0100/00F000 | Flanders | 749 m² | 1 · 106 m² | 11.7 m · 3 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.
Similar companies · same sector and region
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 9,140 companies in sector 68201 we hold annual accounts for 6,769.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-2021
Fiscal year end30-09
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.