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PARGIMMO

Active
Private limited companyfounded 201510 yrs activeChaussée de Tirlemont 75, 5030 Gembloux, BelgiumKBO/BCE: BE 0643.461.673
Summary

PARGIMMO has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€294,997) and a net result of -€183,484. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 9294 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Checked score

Score 2025
44 / 100
Weak
Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▼-4
Solvency14▼-8
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 4.1 against 13.02 in 2024; short-term debt: 7.6% and cash: 27.6% of total assets), but equity is negative.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
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 2025
Solvency, return and age of the figures
Solvency
-10.8%
Return on assets
-6.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
19202122232425
2019 to 2025 · latest year -€294,997
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 filings
Deviation from the deadline
2025
26 d late
2024
26 d late
2023
23 d late
2022
24 d late
2021
3 d early
2020
10 d late
2019
68 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 25 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
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 months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 19 November 2015, PARGIMMO was incorporated.1 Total assets went from EUR 1.3 million in 2019 to EUR 2.7 million in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019 and 2025

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Financials · fiscal year 2025, abbreviated schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€183,484▼ 26.6%
2024 · -€144,882
Working capital
€640,489▼ 67.8%
2024 · €2.0m
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€601,234▲ 3,322%-€174,481-€75,589▲ 56.7%-€81,101▼ 7.3%-€100,956▼ 24.5%
Net result€490,595-€176,042-€70,068▲ 60.2%-€144,882▼ 107%-€183,484▼ 26.6%
Equity€287,081€111,039▼ 61.3%€33,369▼ 69.9%-€111,513-€294,997▼ 165%
Total assets€405,864▼ 69.4%€1.8m▲ 350%€1.8m▼ 1.5%€3.9m▲ 118%€2.7m▼ 30.4%
Debt€24,719▼ 98.4%€1.6m▲ 6,470%€1.7m▲ 3.3%€3.9m▲ 135%€2.9m▼ 25.5%
Working capital€381,145-€1.5m€62,154€2.0m▲ 3,104%€640,489▼ 67.8%
Why a figure moved sharply
  • 2025 Equity -165% on 2024. Cause not known from the registers.
  • 2024 Total assets +118% on 2023. Cause not known from the registers.
  • 2023 Net result +60% on 2022. Cause not known from the registers.
  • 2022 Equity -61%, Total assets +350% on 2021. Cause not known from the registers.
  • 2021 Total assets -69% on 2020. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
-€200,000€0€200,000€400,000€600,000Operating result 2021: €601,234€601,234Net result 2021: €490,595€490,595Operating result 2022: -€174,481-€174,481Net result 2022: -€176,042-€176,042Operating result 2023: -€75,589-€75,589Net result 2023: -€70,068-€70,068Operating result 2024: -€81,101-€81,101Net result 2024: -€144,882-€144,882Operating result 2025: -€100,956-€100,956Net result 2025: -€183,484-€183,48420212022202320242025-€200,000-€150,000-€100,000-€50,000€0Operating result 2023: -€75,589-€75,600Net result 2023: -€70,068-€70,100Operating result 2024: -€81,101-€81,100Net result 2024: -€144,882-€145,000Operating result 2025: -€100,956-€101,000Net result 2025: -€183,484-€183,000202320242025
The operating result stays negative: a loss of €100,956 in 2025 against €81,101 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.7m
Fixed assets €1.9m ▲ 6.6%
Current assets €847,026 ▼ 60.7%
Key figures and ratios
2025 value · change against 2024
EBITDA
-€26,353▼
2024 · -€22,636
Cash flow
-€108,881▼
2024 · -€86,417
Solvency
-10.8%▼
2024 · -2.8%
Current ratio
4.10▼
2024 · 13.02
Debt to equity
-9.98▲
2024 · -35.41
ROA
-6.7%▼
2024 · -3.7%
Interest coverage
-0.25▲
2024 · -0.32
Debt ≤ 1 year
€206,537▲
2024 · €165,757
Debt > 1 year
€2.7m▼
2024 · €3.7m
Income taxes
€4,626▲
2024 · €1,699
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 1,217 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 96% are still going.

  • Small
  • 10 to 20 years old
  • negative equity
  • a small loss
1.2% went bankrupt
2.6% stopped otherwise
96% still going

A further 0.7% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 1,217 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet Code20242025
Assets
Total assets20/58€3.9m€2.7m▼
Formation expenses20€0€0=
Fixed assets21/28€1.8m€1.9m▲
Tangible fixed assets22/27€1.8m€1.9m▲
Land and buildings22€1.8m€1.9m▲
Financial fixed assets28-€3,450
Current assets29/58€2.2m€847,026▼
Amounts receivable within one year40/41€71,349€94,706▲
Trade receivables40-€2,000
Other amounts receivable41€71,349€92,706▲
Current investments50/53€2.1m-
Cash at bank and in hand54/58€16,120€752,320▲
Equity and liabilities
Total equity and liabilities10/49€3.9m€2.7m▼
Equity10/15-€111,513-€294,997▼
Contributions10/11€18,600€18,600=
Reserves13€253,575€240,178▼
Tax-exempt reserves132€253,575€240,178▼
Profit (loss) carried forward14-€383,688-€553,774▼
Provisions and deferred taxes16€84,525€80,105▼
Deferred taxes168€84,525€80,105▼
Amounts payable17/49€3.9m€2.9m▼
Amounts payable after more than one year17€3.7m€2.7m▼
Financial debts170/4€3.7m€2.7m▼
Amounts payable within one year42/48€165,757€206,537▲
Current portion of amounts payable after more than one year42€129,380€129,380=
Trade debts44€26,377€67,157▲
Suppliers440/4€26,377€67,157▲
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€10,000€10,000=
Accrued charges and deferred income492/3€53,014€43,137▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58,465€74,603▲
Other operating charges640/8€4,241€4,395▲
Gross operating margin9900-€18,395-€21,959▼
Operating profit (loss)9901-€81,101-€100,956▼
Financial income75/76B€5,663€21,082▲
Recurring financial income75€5,663€21,082▲
Financial charges65/66B€71,546€103,403▲
Recurring financial charges65€71,546€103,403▲
Profit (loss) for the period before taxes9903-€146,984-€183,278▼
Transfer from deferred taxes780€3,801€4,420▲
Income taxes67/77€1,699€4,626▲
Profit (loss) for the period9904-€144,882-€183,484▼
Transfer from tax-exempt reserves789€11,403€13,398▲
Profit (loss) for the period to be appropriated9905-€133,479-€170,086▼
Appropriation of the result
Profit (loss) to be appropriated9906-€383,688-€553,774▼
Profit (loss) brought forward from the previous period14P-€250,209-€383,688▼

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Non-recurring operating income76A€576,521-----
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,695€125,368€48,632€58,465€74,603▲ 27.6%
Other operating charges640/8€3,816€4,824€3,530€4,241€4,395▲ 3.6%
Gross operating margin9900€607,745-€44,289-€23,427-€18,395-€21,959▼ 19.4%
Operating profit (loss)9901€601,234-€174,481-€75,589-€81,101-€100,956▼ 24.5%
Financial income75/76B--€0€5,663€21,082▲ 272%
Recurring financial income75--€0€5,663€21,082▲ 272%
Financial charges65/66B€16,575€3,498€5,882€71,546€103,403▲ 44.5%
Recurring financial charges65€16,575€3,498€5,882€71,546€103,403▲ 44.5%
Profit (loss) for the period before taxes9903€584,659-€177,979-€81,471-€146,984-€183,278▼ 24.7%
Transfer from deferred taxes780-€1,937€11,403€3,801€4,420▲ 16.3%
Transfer to deferred taxes680€94,064-----
Income taxes67/77--€0€1,699€4,626▲ 172%
Profit (loss) for the period9904€490,595-€176,042-€70,068-€144,882-€183,484▼ 26.6%
Transfer from tax-exempt reserves789-€5,811€3,801€11,403€13,398▲ 17.5%
Transfer to tax-exempt reserves689€282,191-----
Profit (loss) for the period to be appropriated9905€208,404-€170,231-€66,267-€133,479-€170,086▼ 27.4%
Line20212022202320242025Change
Assets
Total assets20/58€405,864€1.8m€1.8m€3.9m€2.7m▼ 30.4%
Formation expenses20--€0€0€0-
Fixed assets21/28-€1.7m€1.7m€1.8m€1.9m▲ 6.6%
Tangible fixed assets22/27-€1.7m€1.7m€1.8m€1.9m▲ 6.4%
Land and buildings22-€1.7m€1.7m€1.8m€1.9m▲ 6.4%
Financial fixed assets28----€3,450-
Current assets29/58€405,864€91,935€70,880€2.2m€847,026▼ 60.7%
Amounts receivable within one year40/41€223,024€67,874€62,497€71,349€94,706▲ 32.7%
Trade receivables40€165,000---€2,000-
Other amounts receivable41€58,024€67,874€62,497€71,349€92,706▲ 29.9%
Current investments50/53€896€896€896€2.1m--
Cash at bank and in hand54/58€175,303€17,907€2,035€16,120€752,320▲ 4,567%
Deferred charges and accrued income490/1€6,642€5,258€5,452---
Equity and liabilities
Total equity and liabilities10/49€405,864€1.8m€1.8m€3.9m€2.7m▼ 30.4%
Equity10/15€287,081€111,039€33,369-€111,513-€294,997▼ 165%
Contributions10/11€18,600€18,600€18,600€18,600€18,600=
Reserves13€282,191€276,381€264,978€253,575€240,178▼ 5.3%
Tax-exempt reserves132€282,191€276,381€264,978€253,575€240,178▼ 5.3%
Profit (loss) carried forward14-€13,710-€183,942-€250,209-€383,688-€553,774▼ 44.3%
Provisions and deferred taxes16€94,064€92,127€88,326€84,525€80,105▼ 5.2%
Deferred taxes168€94,064€92,127€88,326€84,525€80,105▼ 5.2%
Amounts payable17/49€24,719€1.6m€1.7m€3.9m€2.9m▼ 25.5%
Amounts payable after more than one year17--€1.7m€3.7m€2.7m▼ 27.8%
Financial debts170/4--€1.7m€3.7m€2.7m▼ 27.8%
Amounts payable within one year42/48€24,719€1.6m€8,726€165,757€206,537▲ 24.6%
Current portion of amounts payable after more than one year42---€129,380€129,380=
Trade debts44€24,269€5,412€5,580€26,377€67,157▲ 155%
Suppliers440/4€24,269€5,412€5,580€26,377€67,157▲ 155%
Taxes, remuneration and social security45--€3,146€0--
Taxes450/3--€3,146€0--
Other amounts payable47/48€450€1.6m-€10,000€10,000=
Accrued charges and deferred income492/3-€352€1,267€53,014€43,137▼ 18.6%
Line20212022202320242025Change
Profit (loss) for the period9904€490,595-€176,042-€70,068-€144,882-€183,484▼ 26.6%
+ Depreciation and write-downs630€2,695€125,368€48,632€58,465€74,603▲ 27.6%
Operating cash flow (approximation)€493,290-€50,674-€21,436-€86,417-€108,881▼ 26.0%
Investment in fixed assets (approximation)---€42,445-€93,955-€191,465▼ 104%
Change in cash--€157,396-€15,872€14,085€736,200▲ 5,127%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
26-08
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
31-12
Financial Weakest financial yearnet -€183,484
Net result drops to -€183,484, the lowest in the series.
26-08
NBB filing Annual accounts filed
fiscal year 2024 · full schema · 26 days late
2024
23-08
NBB filing Annual accounts filed
fiscal year 2023 · full schema · 23 days late
2023
31-12
Financial Liquidity times 143current ratio 8.12
Current ratio from 0.06 to 8.12; short-term debt falls from €1.6m to €8,726.
24-08
NBB filing Annual accounts filed
fiscal year 2022 · full schema · 24 days late
2022
28-07
NBB filing Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial Back to profitnet €490,595
Net result €490,595 after 2 loss-making years.
31-12
Financial Liquidity times 72current ratio 16.42
Current ratio from 0.23 to 16.42; short-term debt falls from €96,534 to €24,719.
31-12
Financial Equity above €200,000Eq €287,081
Equity rises from -€203,514 to €287,081.
10-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
07-10
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
Show earlier events
2019
26-07
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing Annual accounts filed
fiscal year 2017 · full schema
2017
27-09
NBB filing Annual accounts filed
fiscal year 2016 · full schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
3 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, Gembloux
exact location from the address register On OpenStreetMap
Ground area
7.8 ha
Building footprint
1.4 ha
Parcel 92253D0287/00F000, Wallonia. Linked by address, not a title deed.
136 companies at this address See who is registered here
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92253D0287/00F000 Wallonia 7.8 ha 1 · 1.4 ha -
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

Part of the group PARCOFIN 58 companies Group, risk and exposure

Owners and holdings

1 owner

Chain of control

  1. PARCOFIN 100%
  2. PARDIS 100%
  3. PARGIMMO

Highest known parent: PARCOFIN. The sources do not say who stands above it.

Owners 1

Stated earlier (1)

An older source named these owners; newer accounts no longer list them.

Holdings 0

The accounts to 31-12-2025 list no holdings, and no other source names one.

According to the 2025 annual accounts of PARGIMMO and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 7,326 companies in sector 68110 we hold annual accounts for 5,384. 2,956 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded19-11-2015
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
69109Other legal services
E-invoicing
Reachable via Peppol
Peppol ID 0208:0643461673
Also 9925:BE0643461673
Registered 06-11-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.