PAMM
ActivePAMM has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €82k and a net result of €-3k. Equity is growing by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▼-4
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
short-term debt: 0.6% and cash: 38.4% of total assets, and 0.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
28 d early
2023
51 d early
2022
18 d early
2021
6 d early
2020
37 d early
2019
53 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€82k▼ 3.0%
2024 · €85k
2018: €54k
2019: €59k
2020: €68k
2021: €71k
2022: €75k
2023: €85k
2024: €85k
2018 → 2025
Total assets
€83k▼ 2.9%
2024 · €85k
2018: €73k
2019: €68k
2020: €73k
2021: €71k
2022: €76k
2023: €86k
2024: €85k
2018 → 2025
Net result
€-3k
2024 · €130
2018: €8k
2019: €5k
2020: €8k
2021: €3k
2022: €4k
2023: €9k
2024: €130
2018 → 2025
Working capital
€61k▲ 2.8%
2024 · €59k
2018: €46k
2019: €55k
2020: €68k
2022: €75k
2023: €52k
2024: €59k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€75k▲ 6.0%€85k▲ 12.6%€85k▲ 0.2%€82k▼ 3.0%
Operating result€5k-€7k▲ 34.0%€14k▲ 99.7%€1k▼ 89.9%€-2k
Net result€3k-€4k▲ 39.1%€9k▲ 122%€130▼ 98.6%€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €1k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€21k▼ 16.5%
Current assets
€61k▲ 3.0%
Equity and liabilities €83k
Equity
€82k▼ 3.0%
Debt
€461▲ 36.5%
The debt ratio rises from 0.4% to 0.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€5k▼
2024 · €8k
Cash flow
€5k▼
2024 · €7k
Solvency
99.4%▼
2024 · 99.6%
Debt / equity
0.01▲
2024 · 0.00
ROE
-3.1%▼
2024 · 0.2%
ROA
-3.1%▼
2024 · 0.2%
Interest coverage
65.95▼
2024 · 153.24
Debt
€461▲
2024 · €337
Debt ≤ 1 year
€461▲
2024 · €337
Income taxes
€778▼
2024 · €2k
A ratio outside any meaningful range has been withheld (balance sheet total €83k, equity €82k).
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€85k€83k▼
Fixed assets21/28€26k€21k▼
Tangible fixed assets22/27€26k€21k▼
Furniture and vehicles24€26k€21k▼
Current assets29/58€59k€61k▲
Amounts receivable within one year40/41€21k€27k▲
Trade receivables40€5k€3k▼
Other amounts receivable41€16k€24k▲
Cash at bank and in hand54/58€37k€32k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€85k€83k▼
Equity10/15€85k€82k▼
Contributions10/11€6k€6k=
Reserves13€78k€78k=
Non-distributable reserves130/1€78k€78k=
Other1319€78k€78k=
Profit (loss) carried forward14-€-3k
Amounts payable17/49€337€461▲
Amounts payable within one year42/48€337€461▲
Trade debts44€337€461▲
Suppliers440/4€337€461▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€842€867▲
Non-recurring operating charges66A€59€53▼
Gross operating margin9900€9k€6k▼
Operating profit (loss)9901€1k€-2k▼
Financial income75/76B€443€779▲
Recurring financial income75€443€779▲
Financial charges65/66B€55€74▲
Recurring financial charges65€55€74▲
Profit (loss) for the period before taxes9903€2k€-2k▼
Income taxes67/77€2k€778▼
Profit (loss) for the period9904€130€-3k▼
Profit (loss) for the period to be appropriated9905€130€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€130€-3k▼
Transfer to equity691/2€130-
To other reserves6921€130-
The notes to these accounts (8 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-3k ▼2075%
Net result drops to €-3k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 175.89
Current ratio from 43.27 to 175.89; short-term debt falls from €1k to €337.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €9k ▲122%
Net result €9k, the highest in the series.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 8.16
Current ratio from 3.51 to 8.16; short-term debt falls from €18k to €8k.
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2014
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.
Vrasenestraat(BEV) 329120 Beveren-Kruibeke-ZwijndrechtGround area
301 m²
Building footprint
112 m²
Parcel 46502D0180/00F000, Flanders. Linked by address, not a title deed.
1 establishment unit
PAMM
since 20142.235.452.694
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46502D0180/00F000 | Flanders | 301 m² | 1 · 112 m² | - |
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.
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4-ABACUS
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LAETITIA VAN HOVE
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,184 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-09-2014
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68321Property management for co-owned buildings (syndics)
68322Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.