Pardia
ActiveSummary
Pardia has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €449,325 and a net result of -€14,467. Equity remains stable across the filed fiscal years (±1.3% per year). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability29▼-5
Solvency100=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 25.51 against 20.33 in 2024; short-term debt: 0.9% and cash: 6.4% of total assets), and 19.1% 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
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 2025Solvency, return and age of the figures
Solvency
80.9%
Return on assets
-2.6%
Age of the figures
18 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-11-2025, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
15 d late
2023
28 d late
2022
6 d early
2021
37 d early
2020
2 d early
2019
37 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 2 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
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 close26-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€449,325▼ 3.1%
2024 · €463,792
Total assets
€555,614▼ 2.7%
2024 · €571,023
Net result
-€14,467▼ 339%
2024 · -€3,295
Working capital
€116,503▲ 3.8%
2024 · €112,212
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€1,210€15,241▲ 1,160%-€6,537€2,059-€11,677
Net result-€6,486€6,165-€11,856-€3,295▲ 72.2%-€14,467▼ 339%
Equity€472,779▼ 5.7%€478,943▲ 1.3%€467,087▼ 2.5%€463,792▼ 0.7%€449,325▼ 3.1%
Total assets€611,148▼ 25.4%€611,089=€583,985▼ 4.4%€571,023▼ 2.2%€555,614▼ 2.7%
Debt€138,370▼ 56.5%€132,145▼ 4.5%€116,898▼ 11.5%€107,231▼ 8.3%€106,289▼ 0.9%
Working capital€161,972▼ 56.1%€174,292▲ 7.6%€109,031▼ 37.4%€112,212▲ 2.9%€116,503▲ 3.8%
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 €11,677 after €2,059 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €555,614
Fixed assets
€434,357 ▼ 4.1%
Current assets
€121,257 ▲ 2.7%
Equity and liabilities €555,614
Equity
€449,325 ▼ 3.1%
Debt
€106,289 ▼ 0.9%
Debt's share of the balance-sheet total rises from 18.8% to 19.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€6,971▼
2024 · €8,275
Cash flow
€4,180▲
2024 · €2,921
Current ratio
25.51▲
2024 · 20.33
Debt to equity
0.24▲
2024 · 0.23
ROE
-3.2%▼
2024 · -0.7%
ROA
-2.6%▼
2024 · -0.6%
Interest coverage
1.58▼
2024 · 1.88
Debt ≤ 1 year
€4,754▼
2024 · €5,806
Debt > 1 year
€95,000=
2024 · €95,000
Income taxes
€979▲
2024 · €958
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28,930 | €12,443 | €18,914 | €6,216 | €18,648 | ▲ 200% |
| Other operating charges640/8 | - | €5,027 | €5,549 | €4,894 | €5,082 | ▲ 3.8% |
| Gross operating margin9900 | €35,184 | €32,711 | €17,926 | €13,169 | €12,053 | ▼ 8.5% |
| Operating profit (loss)9901 | €1,210 | €15,241 | -€6,537 | €2,059 | -€11,677 | ▼ 667% |
| Financial income75/76B | - | €111 | €2 | - | €2,606 | - |
| Recurring financial income75 | €5,278 | €111 | €2 | - | €2,606 | - |
| Financial charges65/66B | - | €4,463 | €4,419 | €4,396 | €4,418 | ▲ 0.5% |
| Recurring financial charges65 | €11,471 | €4,463 | €4,419 | €4,396 | €4,418 | ▲ 0.5% |
| Profit (loss) for the period before taxes9903 | -€4,984 | €10,889 | -€10,954 | -€2,337 | -€13,488 | ▼ 477% |
| Income taxes67/77 | €1,502 | €4,725 | €902 | €958 | €979 | ▲ 2.2% |
| Profit (loss) for the period9904 | -€6,486 | €6,165 | -€11,856 | -€3,295 | -€14,467 | ▼ 339% |
| Profit (loss) for the period to be appropriated9905 | -€6,486 | €6,165 | -€11,856 | -€3,295 | -€14,467 | ▼ 339% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €611,148 | €611,089 | €583,985 | €571,023 | €555,614 | ▼ 2.7% |
| Fixed assets21/28 | €418,169 | €405,726 | €459,221 | €453,005 | €434,357 | ▼ 4.1% |
| Tangible fixed assets22/27 | €418,169 | €405,726 | €459,221 | €453,005 | €434,357 | ▼ 4.1% |
| Land and buildings22 | - | €405,726 | €458,476 | €452,351 | €433,976 | ▼ 4.1% |
| Plant, machinery and equipment23 | - | - | €745 | €654 | €381 | ▼ 41.7% |
| Current assets29/58 | €192,980 | €205,362 | €124,764 | €118,018 | €121,257 | ▲ 2.7% |
| Amounts receivable within one year40/41 | €5,154 | €79,194 | - | - | €752 | - |
| Trade receivables40 | - | €79,194 | - | - | - | - |
| Other amounts receivable41 | - | - | - | - | €752 | - |
| Current investments50/53 | €105,064 | €13,950 | €11,450 | €83,200 | €80,700 | ▼ 3.0% |
| Cash at bank and in hand54/58 | €79,720 | €97,898 | €110,002 | €31,340 | €35,739 | ▲ 14.0% |
| Deferred charges and accrued income490/1 | - | €14,321 | €3,312 | €3,478 | €4,065 | ▲ 16.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €611,148 | €611,089 | €583,985 | €571,023 | €555,614 | ▼ 2.7% |
| Equity10/15 | €472,779 | €478,943 | €467,087 | €463,792 | €449,325 | ▼ 3.1% |
| Contributions10/11 | - | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Reserves13 | €322,779 | €328,943 | €317,087 | €313,792 | €299,325 | ▼ 4.6% |
| Non-distributable reserves130/1 | - | €15,000 | - | - | - | - |
| Reserves not available under the articles1311 | - | €15,000 | - | - | - | - |
| Distributable reserves133 | - | €313,943 | €317,087 | €313,792 | €299,325 | ▼ 4.6% |
| Amounts payable17/49 | €138,370 | €132,145 | €116,898 | €107,231 | €106,289 | ▼ 0.9% |
| Amounts payable after more than one year17 | €95,000 | €95,000 | €95,000 | €95,000 | €95,000 | = |
| Financial debts170/4 | - | €95,000 | €95,000 | €95,000 | €95,000 | = |
| Amounts payable within one year42/48 | €31,008 | €31,070 | €15,733 | €5,806 | €4,754 | ▼ 18.1% |
| Trade debts44 | €1,520 | €11,986 | €2,223 | €182 | €184 | ▲ 1.3% |
| Suppliers440/4 | - | €11,986 | €2,223 | €182 | €184 | ▲ 1.3% |
| Taxes, remuneration and social security45 | - | €5,209 | €2,774 | €118 | €120 | ▲ 1.9% |
| Taxes450/3 | - | €5,209 | €2,774 | €118 | €120 | ▲ 1.9% |
| Other amounts payable47/48 | - | €13,875 | €10,737 | €5,506 | €4,449 | ▼ 19.2% |
| Accrued charges and deferred income492/3 | - | €6,075 | €6,165 | €6,425 | €6,535 | ▲ 1.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,486 | €6,165 | -€11,856 | -€3,295 | -€14,467 | ▼ 339% |
| + Depreciation and write-downs630 | €28,930 | €12,443 | €18,914 | €6,216 | €18,648 | ▲ 200% |
| Operating cash flow (approximation) | €22,444 | €18,607 | €7,057 | €2,921 | €4,180 | ▲ 43.1% |
| Investment in fixed assets (approximation) | - | €0 | -€72,408 | €0 | €0 | - |
| Change in cash | - | €18,178 | €12,104 | -€78,662 | €4,399 | ▲ 106% |
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
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
31-03
Financial
Weakest financial yearnet -€14,467
Net result drops to -€14,467, the lowest in the series.
2024
15-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 15 days late
31-03
Financial
Liquidity triplescurrent ratio 20.33
Current ratio from 7.93 to 20.33; short-term debt falls from €15,733 to €5,806.
2023
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2022
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €6,165
Net result €6,165 after one loss-making year.
2021
24-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Back to profitnet €28,219
Net result €28,219 after one loss-making year.
31-03
Financial
Equity above €500,000Eq €501,554 ▲6%
Equity rises from €473,335 to €501,554.
2019
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
17-11
State Gazette act
General meeting · Director resignation
Permanent representative · Director discharge
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2013
18-06
State Gazette act
General meeting · Approval
Director discharge · Director reappointment · Frederic OPSOMER
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Gent · 1 establishment unit since 2000
Ground area
832 m²
Building footprint
198 m²
Volume, LiDAR
1,613 m³
Parcel 44809I0539/00T000, Flanders · tallest building 16.2 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
IRIS
since 20002.099.794.830
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44809I0539/00T000 | Flanders | 832 m² | 1 · 198 m² | 16.2 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.
Structure & network
Connections & network
3 connected companiesThis company
Company
Director
Shareholding
+N: links not shown yet
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Linked via shared directors
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
Identification & contact
Identification
Legal formPrivate limited company
Founded18-08-2000
Fiscal year end31-03
Activities, NACEBEL 2025
46412Wholesale of household textiles and bedding
46425Wholesale trade
46498Wholesale trade
47512Retail sale of household textiles and bedding
47722Retail trade
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.