PAMEER
ActiveSummary
PAMEER has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €66,469 and a net result of €5,763. Equity is growing by ~22.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability55▼-11
Solvency100=
Growth80▼-1
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 4.75 against 4.69 in 2023; short-term debt: 20.7% and cash: 32.2% of total assets), and 20.7% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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 2024Solvency, return and age of the figures
Solvency
79.3%
Return on assets
6.9%
Age of the figures
21 mo
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 25-06-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
7 d late
2023
12 d late
2022
31 d late
2021
31 d late
2020
46 d early
2019
21 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 3 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 13 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema, 2025 accounts filed, figures not processed yet
Turnover
€159,873▲ 12.7%
2023 · €141,807
EBIT margin
4.5%▼ 3.1pp
2023 · 7.5%
Net result
€5,763▼ 33.7%
2023 · €8,692
Working capital
€65,269▲ 9.7%
2023 · €59,506
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€142,186▲ 10.8%€93,446▼ 34.3%€147,794▲ 58.2%€141,807▼ 4.1%€159,873▲ 12.7%
Operating result€23,409▲ 165%€12,825▼ 45.2%€8,762▼ 31.7%€10,698▲ 22.1%€7,152▼ 33.1%
Net result€22,766within the sector's middle half▲ 167%€10,688within the sector's middle half▼ 53.1%€6,023within the sector's middle half▼ 43.6%€8,692within the sector's middle half▲ 44.3%€5,763within the sector's middle half▼ 33.7%
EBIT margin16.5%▲ 9.6pp13.7%▼ 2.7pp5.9%▼ 7.8pp7.5%▲ 1.6pp4.5%▼ 3.1pp
Equity€35,303below the sector's middle half▲ 182%€45,991within the sector's middle half▲ 30.3%€52,014within the sector's middle half▲ 13.1%€60,706within the sector's middle half▲ 16.7%€66,469within the sector's middle half▲ 9.5%
Total assets€43,105below the sector's middle half▲ 28.5%€51,157below the sector's middle half▲ 18.7%€68,274within the sector's middle half▲ 33.5%€76,846within the sector's middle half▲ 12.6%€83,861within the sector's middle half▲ 9.1%
Debt€7,802▼ 62.9%€5,166▼ 33.8%€16,260▲ 215%€16,140▼ 0.7%€17,392▲ 7.8%
Working capital€33,092within the sector's middle half▲ 189%€44,041within the sector's middle half▲ 33.1%€50,814within the sector's middle half▲ 15.4%€59,506within the sector's middle half▲ 17.1%€65,269within the sector's middle half▲ 9.7%
Solvency81.9%above the sector's middle half▲ 44.5pp89.9%above the sector's middle half▲ 8.0pp76.2%above the sector's middle half▼ 13.7pp79.0%above the sector's middle half▲ 2.8pp79.3%above the sector's middle half▲ 0.3pp
Current ratio5.53above the sector's middle half▲ 3.929.52above the sector's middle half▲ 3.994.13above the sector's middle half▼ 5.404.69above the sector's middle half▲ 0.564.75above the sector's middle half▲ 0.07
Return on assets (ROA)52.8%above the sector's middle half▲ 27.4pp20.9%above the sector's middle half▼ 31.9pp8.8%within the sector's middle half▼ 12.1pp11.3%within the sector's middle half▲ 2.5pp6.9%within the sector's middle half▼ 4.4pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 33% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €83,861
Fixed assets
€1,200 =
Current assets
€82,661 ▲ 9.3%
Equity and liabilities €83,861
Equity
€66,469 ▲ 9.5%
Debt
€17,392 ▲ 7.8%
Debt's share of the balance-sheet total falls from 21.0% to 20.7%. Equity and debt are higher.
Key figures and ratios
Quick ratio
2.61▲
2023 · 2.15
Debt to equity
0.26▼
2023 · 0.27
ROE
8.7%▼
2023 · 14.3%
Debt ≤ 1 year
€17,392▲
2023 · €16,140
Income taxes
€1,441▼
2023 · €2,173
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,371 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,371 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €142,186 | €93,446 | €147,794 | €141,807 | €159,873 | ▲ 12.7% |
| Goods, raw materials, services and sundry goods60/61 | - | €126,868 | €174,844 | €166,321 | €190,606 | ▲ 14.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €806 | €761 | €750 | - | - | - |
| Other operating charges640/8 | - | €44 | €433 | €182 | €192 | ▲ 5.5% |
| Gross operating margin9900 | €24,468 | €13,630 | €9,945 | €10,880 | €7,345 | ▼ 32.5% |
| Operating profit (loss)9901 | €23,409 | €12,825 | €8,762 | €10,698 | €7,152 | ▼ 33.1% |
| Financial income75/76B | - | €77 | €78 | €648 | €579 | ▼ 10.5% |
| Recurring financial income75 | - | €77 | €78 | €648 | €579 | ▼ 10.5% |
| Financial charges65/66B | - | €1,628 | €1,325 | €481 | €528 | ▲ 9.7% |
| Recurring financial charges65 | €642 | €1,628 | €1,325 | €481 | €528 | ▲ 9.7% |
| Profit (loss) for the period before taxes9903 | €22,766 | €11,273 | €7,515 | €10,865 | €7,204 | ▼ 33.7% |
| Income taxes67/77 | - | €586 | €1,492 | €2,173 | €1,441 | ▼ 33.7% |
| Profit (loss) for the period9904 | €22,766 | €10,688 | €6,023 | €8,692 | €5,763 | ▼ 33.7% |
| Profit (loss) for the period to be appropriated9905 | €22,766 | €10,688 | €6,023 | €8,692 | €5,763 | ▼ 33.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €43,105 | €51,157 | €68,274 | €76,846 | €83,861 | ▲ 9.1% |
| Fixed assets21/28 | €2,711 | €1,950 | €1,200 | €1,200 | €1,200 | = |
| Tangible fixed assets22/27 | €1,511 | €750 | - | - | - | - |
| Furniture and vehicles24 | - | €750 | - | - | - | - |
| Financial fixed assets28 | €1,200 | €1,200 | €1,200 | €1,200 | €1,200 | = |
| Current assets29/58 | €40,394 | €49,207 | €67,074 | €75,646 | €82,661 | ▲ 9.3% |
| Stocks and contracts in progress3 | €26,263 | €31,539 | €24,651 | €40,910 | €37,215 | ▼ 9.0% |
| Stocks30/36 | - | €31,539 | €24,651 | €40,910 | €37,215 | ▼ 9.0% |
| Amounts receivable within one year40/41 | €6,250 | €4,514 | €13,444 | €13,853 | €18,409 | ▲ 32.9% |
| Other amounts receivable41 | - | €4,514 | €13,444 | €13,853 | €18,409 | ▲ 32.9% |
| Cash at bank and in hand54/58 | €7,881 | €13,155 | €28,979 | €20,883 | €27,038 | ▲ 29.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €43,105 | €51,157 | €68,274 | €76,846 | €83,861 | ▲ 9.1% |
| Equity10/15 | €35,303 | €45,991 | €52,014 | €60,706 | €66,469 | ▲ 9.5% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €5,336 | €5,336 | €5,336 | €5,336 | €5,336 | = |
| Non-distributable reserves130/1 | - | €553 | €553 | €553 | €553 | = |
| Reserves not available under the articles1311 | - | €553 | €553 | €553 | €553 | = |
| Distributable reserves133 | - | €4,782 | €4,782 | €4,782 | €4,782 | = |
| Profit (loss) carried forward14 | €11,368 | €22,055 | €28,078 | €36,770 | €42,534 | ▲ 15.7% |
| Amounts payable17/49 | €7,802 | €5,166 | €16,260 | €16,140 | €17,392 | ▲ 7.8% |
| Amounts payable within one year42/48 | €7,302 | €5,166 | €16,260 | €16,140 | €17,392 | ▲ 7.8% |
| Financial debts43 | - | €1,384 | €2,402 | - | - | - |
| Credit institutions430/8 | - | €1,384 | €2,402 | - | - | - |
| Trade debts44 | €5,865 | €1,867 | €10,068 | €6,768 | €13,482 | ▲ 99.2% |
| Suppliers440/4 | - | €1,867 | €10,068 | €6,768 | €13,482 | ▲ 99.2% |
| Taxes, remuneration and social security45 | - | €1,916 | €3,790 | €9,372 | €3,910 | ▼ 58.3% |
| Taxes450/3 | - | €994 | €2,868 | €4,358 | €2,988 | ▼ 31.4% |
| Remuneration and social security454/9 | - | €922 | €922 | €5,014 | €922 | ▼ 81.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22,766 | €10,688 | €6,023 | €8,692 | €5,763 | ▼ 33.7% |
| + Depreciation and write-downs630 | €806 | €761 | €750 | - | - | - |
| Operating cash flow (approximation) | €23,572 | €11,449 | €6,773 | €8,692 | €5,763 | ▼ 33.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €5,274 | €15,824 | -€8,095 | €6,154 | ▲ 176% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €22,766 ▲167%
Operating result €23,409, net result €22,766, both a record.
31-12
Financial
Liquidity triplescurrent ratio 5.53
Current ratio from 1.61 to 5.53; short-term debt falls from €18,599 to €7,302.
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
31-12
Financial
Back to profitnet €8,514
Net result €8,514 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2001
Ground area
216 m²
Building footprint
109 m²
Volume, LiDAR
934 m³
Parcel 44816K0564/00K000, Flanders · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bevrijdingslaan 141, 9000 Gent
since 20012.098.321.915
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44816K0564/00K000 | Flanders | 216 m² | 1 · 109 m² | 13.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 6,000 EUR awarded · 6,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.098.321.915
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Of 2,471 companies in this sector we hold annual accounts for 950. 795 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company (pre-2019)
Founded12-04-2001
Fiscal year end31-12
Activities, NACEBEL 2025
47279Other retail sale of food
56301Cafés and bars
Contact
E-mail
pameer.bvba@gmail.comGent
Phone
0486/36 48 15Gent
E-invoicing
Reachable via Peppol
Peppol ID
0208:0474589029
Also
9925:BE0474589029
Registered
12-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.