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PARDAF

Active
Private limited company (pre-2019)founded 1983active for 42 yearsGemeentestraat 8, 2060 Antwerp, BelgiumKBO/BCE: BE 0425.156.938
Summary

PARDAF has been active since 1983 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€639) and a net result of €35,688. Equity has been shrinking by about 45% per year since 2018. Its solvency ranks better than 22% of 22,793 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Official details

Source: KBO
Status
Active since 01-12-1983 Normal situation
Activity
Retail sale of second-hand clothing NACE 47792and 1 other
Establishment unit
2.023.613.604 2060 Antwerp, since 01-01-1984
Financial year end
31 December
Peppol
Reachable since 05-06-2025

Board and ownership

Board
  • Vrydaghs CharlotteDirector

Financial position

57 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Annual accounts 2025
Gross margin
€194,884
▼ 3.5%
Turnover
≈ €620,000
estimated
Profit
€35,688
▲ 347%
Equity
-€639
▲ 98.2%
Total assets
€114,290
▲ 40.9%
Employees on 31-12-2025
10
  • Negative equity on 31-12-2025
Score breakdownraises riskCapped at 59: negative equitySector: Retail trade (NACE 47)Negative equity -€639lowers riskSize: total assets €114,290Liquidity: current ratio 0.74, cash €84,673Show the evidence

Checked score

Score 2025
57 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 65% of micro companies in retail trade (NACE 47)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Strong
Solvency 24+24
equity -0.6% of total assets
Liquidity 50=
short-term debt 100.6% · cash 74.1%
Profitability 100+33
return on assets 31.2%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,278 companies, NACE 47, micro)
Last 24 months 12-2024: 1.0%highest value 01-2025: 1.0%● unchanged vs 12-2024 02-2025: 1.0%● unchanged vs 01-2025 03-2025: 1.0%● unchanged vs 02-2025 04-2025: 0.9%▼ -0.1 percentage points vs 03-2025 05-2025: 0.9%● unchanged vs 04-2025 06-2025: 0.9%● unchanged vs 05-2025 07-2025: 0.5%▼ -0.4 percentage points vs 06-2025 08-2025: 0.5%● unchanged vs 07-2025 09-2025: 0.5%● unchanged vs 08-2025 10-2025: 0.5%● unchanged vs 09-2025 11-2025: 0.5%● unchanged vs 10-2025 12-2025: 0.5%● unchanged vs 11-2025 01-2026: 0.5%● unchanged vs 12-2025 02-2026: 0.5%● unchanged vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.4%▼ -0.1 percentage points vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.5%▲ +0.1 percentage points vs 06-2026 08-2026: 0.3%▼ -0.2 percentage points vs 07-2026lowest value 09-2026: 0.3%● unchanged vs 08-2026lowest value 10-2026: 0.3%● unchanged vs 09-2026lowest value 11-2026: 0.3%● unchanged vs 10-2026lowest value
No credit on open account
Liquidity is insufficient, with a current ratio of 0.74 (0.47 in 2024), below 1. Short-term debt is 100.6% and cash 74.1% of total assets. Equity is negative.
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 47, micro). It does better than 19% of them on solvency, 52% on liquidity, 96% on profitability and 92% on growth.

The bankruptcy probability was computed on 04-11-2026 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 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Negative equity -€639
NBB · annual accounts
lowers risk · Size: total assets €114,290
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 0.74, cash €84,673
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 22793 sector peers (2025).
NBB · sector comparison
Position among 22793 sector peers
Solvency
better than 22%
← weakest strongest →
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
8 days early
2024
31 days early
2023
29 days late
2022
30 days late
2021
29 days late
2020
89 days late
2019
137 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 39 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (4 of the last 5 accounts filed within 37 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€639 View
  • Positive: Higher net result than 83% of companies in retail tradesector median €5,085 · 22,775 companies €35,688 View

Comparable companies

These companies have the same main activity as PARDAF: retail sale of second-hand clothing (NACE 47792). They are comparable in size and age: total assets between €48,200 and €184,000, founded between 1980 and 1998.

CompanyTotal assetsGross margin
PARDAF Antwerp€114,290€194,884
SCRUPLES Antwerp€89,923€96,669
WELZIJNSSCHAKEL PUURS Puurs-Sint-Amands€127,165€79,770
NAKASESO Uccle€122,375€88,314
EVASIONS Brussels€149,215€206,442
Proost Brecht€48,155€61,666
NACRI Forest€184,075€58,018
Full comparison

Key facts about PARDAF

What is the company number of PARDAF?
The company number of PARDAF is 0425.156.938. The VAT number is the same number with BE in front: BE 0425.156.938.
Where is PARDAF based?
The registered office is at Gemeentestraat 8, 2060 Antwerp.Company details
What does PARDAF do?
According to the KBO register, the main activity is retail sale of second-hand clothing (NACE 47792).
What is the legal form of PARDAF?
PARDAF is a private limited company (pre-2019) (BVBA).
When was PARDAF founded?
PARDAF was founded on 01-12-1983.
Is PARDAF still active?
Yes, PARDAF is an active enterprise in the KBO register.
How many employees does PARDAF have?
PARDAF had an average of 5.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of PARDAF?
The turnover in financial year 2025 is ≈ €620,000. This figure is estimated from the gross margin of €194,884 and 32 comparable companies (NACE 477). It probably lies between €420,000 and €1.2m.
Is PARDAF profitable?
In financial year 2025, PARDAF made a profit of €35,688.
Where can I find the annual accounts of PARDAF?
PARDAF filed 42 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of PARDAF due?
PARDAF must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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