PAMELA CREATION
ActiveSummary
PAMELA CREATION has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €144k and a net result of €13k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 57% of 956 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+2
Solvency85▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.38 against 0.21 in 2024; short-term debt: 40.2% and cash: 7.1% of total assets), and 40.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 18
Relative position
BE, all sectors
reference
Sector 18
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
38 d early
2023
6 d late
2022
21 d early
2021
10 d early
2020
45 d early
2019
35 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€13k▲ 50.0%
2024 · €9k
2019: €4k
2020: €3k
2021: €2k
2022: €8k
2023: €8k
2024: €9k
2019 → 2025
Working capital
€-60k▲ 19.5%
2024 · €-74k
2019: €-100k
2020: €-96k
2021: €-95k
2022: €-87k
2023: €-79k
2024: €-74k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€106k-€114k▲ 7.5%€122k▲ 7.0%€131k▲ 7.1%€144k▲ 10.0%
Operating result€3k-€12k▲ 364%€12k▼ 1.9%€13k▲ 11.1%€21k▲ 58.8%
Net result€2k-€8k▲ 373%€8k▼ 0.2%€9k▲ 9.5%€13k▲ 50.0%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 59% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €240k
Fixed assets
€203k ▼ 0.7%
Current assets
€37k ▲ 80.8%
Equity and liabilities €240k
Equity
€144k ▲ 10.0%
Debt
€96k ▲ 2.0%
Debt's share of the balance-sheet total falls from 42.0% to 40.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€22k▲
2024 · €13k
Cash flow
€14k▲
2024 · €9k
Current ratio
0.38▲
2024 · 0.21
Quick ratio
0.37▲
2024 · 0.21
Debt to equity
0.67▼
2024 · 0.72
ROE
9.1%▲
2024 · 6.7%
ROA
5.4%▲
2024 · 3.9%
Interest coverage
152.24▼
2024 · 180.93
Debt ≤ 1 year
€96k▲
2024 · €95k
Income taxes
€8k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€225k€240k▲
Fixed assets21/28€205k€203k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€4k€3k▼
Financial fixed assets28€201k€201k=
Current assets29/58€20k€37k▲
Stocks and contracts in progress3€420€1k▲
Stocks30/36€420€1k▲
Amounts receivable within one year40/41€18k€18k▲
Trade receivables40€18k€18k▲
Cash at bank and in hand54/58€2k€17k▲
Deferred charges and accrued income490/1€134€137▲
Equity and liabilities
Total equity and liabilities10/49€225k€240k▲
Equity10/15€131k€144k▲
Contributions10/11€31k€31k=
Capital10€31k€31k=
Issued capital100€31k€31k=
Reserves13€69k€82k▲
Non-distributable reserves130/1€3k€3k=
Legal reserve130€3k€3k=
Distributable reserves133€66k€79k▲
Profit (loss) carried forward14€30k€30k=
Amounts payable17/49€95k€96k▲
Amounts payable within one year42/48€95k€96k▲
Trade debts44€822€5k▲
Suppliers440/4€822€5k▲
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€5k€9k▲
Other amounts payable47/48€89k€83k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€104€1k▲
Other operating charges640/8€534€680▲
Gross operating margin9900€14k€23k▲
Operating profit (loss)9901€13k€21k▲
Financial income75/76B€6€13▲
Recurring financial income75€6€13▲
Financial charges65/66B€73€146▲
Recurring financial charges65€73€146▲
Profit (loss) for the period before taxes9903€13k€21k▲
Income taxes67/77€4k€8k▲
Profit (loss) for the period9904€9k€13k▲
Profit (loss) for the period to be appropriated9905€9k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€44k▲
Profit (loss) brought forward from the previous period14P€30k€30k=
Transfer to equity691/2€9k€13k▲
To other reserves6921€9k€13k▲
The notes to these accounts (4 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €13k ▲50%
Operating result €21k, net result €13k, both a record.
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
06-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2022
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
21-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
31-03
Financial
Weakest financial yearnet €2k ▼48.6%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
2020
16-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
26-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
14-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Tubize · 1 establishment unit since 1993
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.
Rue d'Oisquercq 1511480 TubizeGround area
1,627 m²
Building footprint
395 m²
Volume, LiDAR
4,036 m³
2 parcels, Wallonia · tallest building 14.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Ernest Simonet 21, 1480 Tubize
since 19932.062.218.812
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25105B0158/00T006 | Wallonia | 1,011 m² | 1 · 342 m² | 14.1 m · 3 fl. |
| 25077A0068/00P000 | Wallonia | 616 m² | 1 · 53 m² | 10.3 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.
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FINGERPRINT PRODUCTION COMPANY
BE 0866.447.748
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DP MARKETING & COMMUNICATION
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GRAPHCOM.BE
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Of 2,855 companies in sector 18130 we hold annual accounts for 832. 672 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-04-1993
Fiscal year end31-03
Activities, NACEBEL 2025
18130Pre-press and pre-media services
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.