Equity
-€129,170
Debts exceed assets in financial year 2025.
PaMe
Lifetime
3 annual accounts with figures on one time axisGross marginpeak €2.2m (2025)
€2.2m
Resultlowest -€84,151 (2025)
-€84,151
Equitypeak -€29,697 (2022)
-€129,170
Debts
€306,832
Board6 names since 2021
3 directorsIVO MARECHAL and 2 others
Owners
100%ABO GLOBAL
Documentsfilings and deeds
16-01-2026104 days before the deadline
2025abbreviated format
Loss of €84,151Registered office moved within Lummen 25-03No figures for the year before
Key points
from the 2025 annual accountsLosses
-€129,171 in three years
Every financial year from 2022 to 2025 closed with a loss. 2025 was the heaviest.
Turnover
≈ €2.3m estimated
The abbreviated format states no turnover.
Debts
€306,832 173% of the balance sheet
After one year 92%Within one year 8%
Of this, €23,582 falls due within a year.
Filings
3 annual accounts since 2022
The last three annual accounts were filed 26 to 104 days before the end of the period.
Position in the sector
-72.7%
Lower solvency than 95% of companies in real estate. Sector median 30.7% · 11,271 companies.
Checked score
54
Fair
Financially stronger than 32% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,627 companies (NACE 68, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.7%
01-2025: 0.7%● unchanged vs 12-2024lowest value
02-2025: 0.7%● unchanged vs 01-2025
03-2025: 0.7%● unchanged vs 02-2025
04-2025: 3.2%▲ +2.5 percentage points vs 03-2025
05-2025: 3.5%▲ +0.3 percentage points vs 04-2025
06-2025: 3.5%● unchanged vs 05-2025
07-2025: 1.0%▼ -2.5 percentage points vs 06-2025
08-2025: 1.4%▲ +0.4 percentage points vs 07-2025
09-2025: 1.7%▲ +0.3 percentage points vs 08-2025
10-2025: 2.6%▲ +0.9 percentage points vs 09-2025
11-2025: 2.7%▲ +0.1 percentage points vs 10-2025
12-2025: 3.0%▲ +0.3 percentage points vs 11-2025
01-2026: 3.8%▲ +0.8 percentage points vs 12-2025highest value
02-2026: 1.2%▼ -2.6 percentage points vs 01-2026
03-2026: 1.2%● unchanged vs 02-2026
04-2026: 1.3%▲ +0.1 percentage points vs 03-2026
05-2026: 1.3%● unchanged vs 04-2026
06-2026: 1.3%● unchanged vs 05-2026
07-2026: 1.3%● unchanged vs 06-2026
08-2026: 1.3%● unchanged vs 07-2026
09-2026: 1.3%● unchanged vs 08-2026
10-2026: 1.3%● unchanged vs 09-2026
11-2026: 1.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€129,170
Loss of €84,151, the second in a row (financial year 2025)
1 change of registered office in 24 months
lowers risk
Sector: Real estate activities (NACE 68)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 5% of them on solvency, 87% on liquidity and 4% on profitability.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 7,639 companies had the same profile as PaMe has now. Each dot stands for 20 companies, two years later.
84.8%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of PaMe itself is lower: 1.3% within 12 months. It rests on far more data about PaMe than the profile alone.
Test of the method
The method was tested on the 497,446 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 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 7,639 companies, not a prediction for PaMe. 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
No credit on open account
Liquidity is ample, with a current ratio of 5.06 (0.08 in 2023), above the usual 1.5. Short-term debt is 13.3% and cash 27.3% of total assets. However, equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
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 -€129,170
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 days early
2023
35 days early
2022
26 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 55 days before the deadline. In the sector (NACE 68), the median for financial year 2023 was 5 days before the deadline, and 38% of those companies filed late.
Searched, nothing found (1)
Board and ownership
PB
Power2Create BV
Director, since 13-03-2023
- ABO GLOBAL 100%score 94equity €5.5m (2025) · 30-09-2025 annual accounts of ABO GLOBAL
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0777959497
Registered office moved within Lummen
New registered office: Pastorijstraat 1A/1B, 3560 Lummen · Previous registered office: Dellestraat 30, 3560 Lummen, België · Board meeting of 17-02-2025 · Gazette deed
Permanent representatives: ALENUS Jeffrey and JACOBS Bart
General meeting of 05-11-2024 · Gazette deed
Appointment: PKF Bofidi Audit BV (statutory auditor)
Permanent representative: Jacobs Bart · General meeting of 05-09-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| PaMe Lummen | €177,662 | €2.2m | -72.7% | - |
| UNEST STUDENT HOUSING Watermael-Boitsfort | €299,903 | €0.9m | 25.2% | 1 |
| Vicinity Services Watermael-Boitsfort | €233,359 | €0.4m | 49.1% | 7.1 |
| The GCK Company Lier | €254,480 | €0.4m | 43.8% | - |
| Immobilière des Combattants Wavre | €156,446 | - | 74.9% | - |
| DIAZ INVEST Wavre | €77,193 | €0.4m | 42.5% | - |
| KLEPIERRE MANAGEMENT BELGIQUE Ottignies-Louvain-la-Neuve | €461,027 | €0.6m | 42.4% | 3.9 |
These companies have the same main activity as PaMe: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €77,200 and €461,000, founded between 2016 and 2023.
Official details
Source: KBO- Status
- Active since 02-12-2021Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201and 2 others
- Establishment unit
- 2.331.212.4803560 Lummen, since 02-12-2021
- Financial year end
- 30 September
- Peppol
- Reachable since 08-12-2025
Annual accounts to 30-09-2025
- Total assets
- €177,662
- Filing
- Filed on 16-01-2026, 104 days before the end of the filing period
Insights on PaMe
PaMe files the abbreviated format. That format states no turnover. The gross margin rose from -€5,832 in 2022 to €2.2m in 2025.
The balance sheet grew most in 2023 through fixed assets.
ABO GLOBAL holds all the shares.
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 PaMe
- What is the company number of PaMe?
- The company number of PaMe is 0777.959.497. The VAT number is the same number with BE in front: BE 0777.959.497.
- Where is PaMe based?
- The registered office is at Pastorijstraat 1A, 3560 Lummen.Company details
- What does PaMe do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of PaMe?
- PaMe is a private limited company (BV).
- When was PaMe founded?
- PaMe was founded on 02-12-2021.
- Is PaMe still active?
- Yes, PaMe is an active enterprise in the KBO register.
- What is the turnover of PaMe?
- The turnover in financial year 2025 is ≈ €2.3m. This figure is estimated from the gross margin of €2.2m and 31 comparable companies (NACE 68201). It probably lies between €2.1m and €2.5m.Financials
- Is PaMe profitable?
- In financial year 2025, PaMe made a loss of €84,151.
- Where can I find the annual accounts of PaMe?
- PaMe filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
Next steps
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