Pardia
ActiveSummary
Pardia has been active since 2000 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €449,325 and a net result of -€14,467. Equity has been stable since 2019 (±1.3% per year). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 18-08-2000 Normal situation
- Activity
- Wholesale of household textiles and bedding NACE 46412and 11 others
- Establishment unit
- 2.099.794.830 9000 Gent, since 28-09-2000
- Financial year end
- 31 March
- Peppol
- Reachable since 03-12-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.2%
- Gross margin
- €12,053
- ▼ 8.5%
- Turnover
- ≈ €92,000
- estimated
- Loss
- €14,467
- ▲ 339%
- Equity
- €449,325
- ▼ 3.1%
- Total assets
- €555,614
- ▼ 2.7%
- 2026 accounts not filed, 2 days past the deadline
Score breakdownraises riskFigures for financial year 2025 (filed on 03-12-2025)1 financial year not filed after the legal deadline; last filed accounts filed 28 days latelowers riskSize: total assets €555,614Equity €449,325 (80.9% of total assets)Show the evidence
Checked score
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 (no NACE code, micro). It does better than 81% of them on solvency, 55% on liquidity, 20% on profitability and 35% on growth.
The bankruptcy probability was computed on 01-11-2026 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.
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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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 6 accounts on average 4 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (1)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 28 days after the deadline Filed on 28 November 2025, deadline 31 October 2025 (7 months after the close on 31 March 2025, Companies Code art. 3:10). Source: NBB, 2025-00574865.
Annual accounts 2025 filed on 28-11-2025 PDF all 24 filings
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result for 2025 is a loss of €11,677, after a profit of €2,059 in 2024. It is the lowest result since 2021.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
Use the arrow keys on the chart for the figures per year.
Investments
| Item | 31-03-2022 | 31-03-2023 | 31-03-2024 | 31-03-2025 |
|---|---|---|---|---|
| Tangible fixed assets | - | €72,408 | - | - |
| Depreciation and write-downs of the year | €12,443 | €18,914 | €6,216 | €18,648 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28,432 | €28,625 | €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 | €36,622 | €27,454 | €35,184 | €32,711 | €17,926 | €13,169 | €12,053 | ▼ 8.5% |
| Operating profit (loss)9901 | €4,402 | -€6,164 | €1,210 | €15,241 | -€6,537 | €2,059 | -€11,677 | - |
| Financial income75/76B | - | - | - | €111 | €2 | - | €2,606 | - |
| Recurring financial income75 | €1,599 | €54,150 | €5,278 | €111 | €2 | - | €2,606 | - |
| Financial charges65/66B | - | - | - | €4,463 | €4,419 | €4,396 | €4,418 | ▲ 0.5% |
| Recurring financial charges65 | €13,552 | €13,329 | €11,471 | €4,463 | €4,419 | €4,396 | €4,418 | ▲ 0.5% |
| Profit (loss) for the period before taxes9903 | -€7,551 | €34,657 | -€4,984 | €10,889 | -€10,954 | -€2,337 | -€13,488 | ▼ 477% |
| Income taxes67/77 | €1,146 | €6,438 | €1,502 | €4,725 | €902 | €958 | €979 | ▲ 2.2% |
| Profit (loss) for the period9904 | -€8,697 | €28,219 | -€6,486 | €6,165 | -€11,856 | -€3,295 | -€14,467 | ▼ 339% |
| Profit (loss) for the period to be appropriated9905 | -€8,697 | €28,219 | -€6,486 | €6,165 | -€11,856 | -€3,295 | -€14,467 | ▼ 339% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €796,089 | €819,436 | €611,148 | €611,089 | €583,985 | €571,023 | €555,614 | ▼ 2.7% |
| Fixed assets21/28 | €470,592 | €442,545 | €418,169 | €405,726 | €459,221 | €453,005 | €434,357 | ▼ 4.1% |
| Tangible fixed assets22/27 | €470,592 | €442,545 | €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 | €325,497 | €376,891 | €192,980 | €205,362 | €124,764 | €118,018 | €121,257 | ▲ 2.7% |
| Amounts receivable within one year40/41 | €8,236 | €6,449 | €5,154 | €79,194 | - | - | €752 | - |
| Trade receivables40 | - | - | - | €79,194 | - | - | - | - |
| Other amounts receivable41 | - | - | - | - | - | - | €752 | - |
| Current investments50/53 | €294,456 | €139,289 | €105,064 | €13,950 | €11,450 | €83,200 | €80,700 | ▼ 3.0% |
| Cash at bank and in hand54/58 | €19,685 | €228,123 | €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 | €796,089 | €819,436 | €611,148 | €611,089 | €583,985 | €571,023 | €555,614 | ▼ 2.7% |
| Equity10/15 | €473,335 | €501,554 | €472,779 | €478,943 | €467,087 | €463,792 | €449,325 | ▼ 3.1% |
| Contributions10/11 | €150,000 | - | - | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Reserves13 | €323,335 | €351,554 | €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 | €322,754 | €317,882 | €138,370 | €132,145 | €116,898 | €107,231 | €106,289 | ▼ 0.9% |
| Amounts payable after more than one year17 | €295,000 | €295,000 | €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 | €12,545 | €7,882 | €31,008 | €31,070 | €15,733 | €5,806 | €4,754 | ▼ 18.1% |
| Trade debts44 | €2,870 | €2,163 | €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 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€8,697 | €28,219 | -€6,486 | €6,165 | -€11,856 | -€3,295 | -€14,467 | ▼ 339% |
| + Depreciation and write-downs630 | €28,432 | €28,625 | €28,930 | €12,443 | €18,914 | €6,216 | €18,648 | ▲ 200% |
| Operating cash flow (approximation) | €19,736 | €56,844 | €22,444 | €18,607 | €7,057 | €2,921 | €4,180 | ▲ 43.1% |
| Investment in fixed assets (approximation) | - | -€578 | -€4,554 | €0 | -€72,408 | €0 | €0 | - |
| Change in cash | - | €208,439 | -€148,404 | €18,178 | €12,104 | -€78,662 | €4,399 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 8,617 companies had the same profile as Pardia has now. Two years later, 0.4% had gone bankrupt and 94.1% were still going.
- Small
- 20 years or older
- solvency 30% or more
- a small loss
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Pardia itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 8,617 companies, not a prediction for Pardia. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Latest 10 of 24 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-03-2025 | micro format | 28-11-2025 | 2025-00574865 | |
| 31-03-2024 | micro format | 15-11-2024 | 2024-00600527 | |
| 31-03-2023 | micro format | 28-11-2023 | 2023-00518341 | |
| 31-03-2022 | micro format | 25-10-2022 | 2022-20479560 | |
| 31-03-2021 | micro format | 24-09-2021 | 2021-68400369 | |
| 31-03-2020 | micro format | 29-10-2020 | 2020-65300398 | |
| 31-03-2019 | micro format | 24-09-2019 | 2019-65700088 | |
| 31-03-2018 | micro format | 28-09-2018 | 2018-66000435 | |
| 31-03-2017 | micro format | 28-09-2017 | 2017-64100152 | |
| 31-03-2016 | abbreviated format | 27-09-2016 | 2016-62100448 |
Board & ownership
Directors
Owners and capital
Owners
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| Herman Paridaens |
|
Network & group
Board mandates elsewhere
2 board mandatesCompanies at the same address
1 other companyConnections & network
3 connected companiesTimeline
Acts, filings and financial milestones
08-04
Gazette deed
Change of role: Herman Paridaens, from statutory manager to statutory directorCapital conversion · Reserve release · Amendment of the articles7 points ▸
- General meeting, 02-04-2022
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Reserve release, “opheffing, statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Amendment of the articles
- Director resignation, Herman Paridaens (statutory manager)
- Director appointment, Herman Paridaens (statutory director)
- Director discharge, Herman Paridaens (ontslagnemende zaakvoerder)
Show earlier events
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Codes under NACEBEL 2003
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 44809I0539/00T000 | Flanders | 832 m² | 1 · 198 m² | 16.2 m · 3 |