PAMUS
ActiveThe computed 12-month bankruptcy probability of PAMUS is 1.5% (moderate). The 2025 annual accounts show equity of €79k and a net result of €40k. Equity is growing by ~142% per year across the filed fiscal years. Its solvency ranks better than 36% of 11238 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-17
Solvency48▼-15
Growth78=
Track record94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 1.51 in 2024; short-term debt: 76.7% and cash: 4% of total assets), and 76.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
23.3%
Return on assets
11.7%
Age of the figures
9 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 01-07-2026, 30 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
30 d early
2024
71 d late
2023
372 d late
2022
121 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€79k▲ 100%
2024 · €39k
2022: €6k
2023: €12k
2024: €39k
2022 → 2025
Total assets
€339k▲ 225%
2024 · €104k
2022: €7k
2023: €16k
2024: €104k
2022 → 2025
Net result
€40k▲ 44.8%
2024 · €27k
2022: €-2k
2023: €6k
2024: €27k
2022 → 2025
Working capital
€49k▲ 48.8%
2024 · €33k
2022: €6k
2023: €6k
2024: €33k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€6k-€12k▲ 94.0%€39k▲ 226%€79k▲ 100%
Operating result€-2k-€9k€40k▲ 339%€62k▲ 54.9%
Net result€-2k-€6k€27k▲ 366%€40k▲ 44.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 55% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €339k
Fixed assets
€30k▲ 358%
Current assets
€309k▲ 216%
Equity and liabilities €339k
Equity
€79k▲ 100%
Debt
€260k▲ 300%
The debt ratio rises from 62.2% to 76.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€70k▲
2024 · €41k
Cash flow
€47k▲
2024 · €28k
Solvency
23.3%▼
2024 · 37.8%
Current ratio
1.19▼
2024 · 1.51
Quick ratio
1.19▼
2024 · 1.51
Debt / equity
3.29▲
2024 · 1.64
ROE
50.1%▼
2024 · 69.3%
ROA
11.7%▼
2024 · 26.2%
Interest coverage
118.64▼
2024 · 122.02
Debt
€260k▲
2024 · €65k
Debt ≤ 1 year
€260k▲
2024 · €65k
Income taxes
€22k▲
2024 · €13k
Staff costs
€188k▲
2024 · €15k
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€104k€339k▲
Fixed assets21/28€7k€30k▲
Tangible fixed assets22/27€6k€28k▲
Furniture and vehicles24€6k€28k▲
Financial fixed assets28€417€2k▲
Current assets29/58€98k€309k▲
Amounts receivable within one year40/41€96k€292k▲
Trade receivables40€90k€275k▲
Other amounts receivable41€5k€17k▲
Cash at bank and in hand54/58€2k€14k▲
Deferred charges and accrued income490/1€172€3k▲
Equity and liabilities
Total equity and liabilities10/49€104k€339k▲
Equity10/15€39k€79k▲
Contributions10/11€8k€8k=
Reserves13€27k€67k▲
Distributable reserves133€27k€67k▲
Profit (loss) carried forward14€4k€4k▲
Amounts payable17/49€65k€260k▲
Amounts payable within one year42/48€65k€260k▲
Trade debts44€47k€111k▲
Suppliers440/4€47k€111k▲
Taxes, remuneration and social security45€18k€146k▲
Taxes450/3€16k€112k▲
Remuneration and social security454/9€2k€33k▲
Other amounts payable47/48-€3k
Income statement
Code20242025
Remuneration, social security and pensions62€15k€188k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€342€7k▲
Other operating charges640/8€9k€6k▼
Gross operating margin9900€65k€263k▲
Operating profit (loss)9901€40k€62k▲
Financial income75/76B-€42
Recurring financial income75-€42
Financial charges65/66B€333€586▲
Recurring financial charges65€333€586▲
Profit (loss) for the period before taxes9903€40k€62k▲
Income taxes67/77€13k€22k▲
Profit (loss) for the period9904€27k€40k▲
Profit (loss) for the period to be appropriated9905€27k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€44k▲
Profit (loss) brought forward from the previous period14P€4k€4k▲
Transfer to equity691/2€27k€40k▲
To other reserves6921€27k€40k▲
The notes to these accounts (13 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €40k ▲44.8%
Operating result €62k, net result €40k, both a record.
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 372 days late
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 121 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2022
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
04-01-2022
Resigned as Director
Location & real-estate footprint
Registered office, Charleroi · 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.
Chaussée Impériale 126060 CharleroiGround area
350 m²
Building footprint
133 m²
Volume, LiDAR
1,754 m³
Parcel 52026D0500/00W002, Wallonia · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
PAMUS
since 20212.326.455.918
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52026D0500/00W002 | Wallonia | 350 m² | 1 · 133 m² | 15.5 m · 4 fl. |
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.
Similar companies · same sector, comparable size
GENESE
BE 0442.097.294
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BE 0672.709.252
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MOLYDUVAL
BE 0464.790.742
Turnhout · Eq €79k
Interhal Select Belux
BE 0831.093.228
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BP MEDICAL
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Of 4,426 companies in sector 46180 we hold annual accounts for 1,886. 1,406 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-07-2021
Fiscal year end31-12
Activities, NACEBEL
45112
46180Agents specialised in the wholesale of other particular products
42220Construction of utility projects for electricity and telecommunications
43240Other construction installation
43299Specialised construction activities
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47812Retail trade
62020IT consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
73200Market research and public opinion polling
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.