PAT - DRIE
ActiveSummary
PAT - DRIE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. For PAT - DRIE, one filing cycle of the annual accounts is missing. The 2024 annual accounts show equity of €682,783 and a net result of €68,953. Equity is growing by about 16% per year across the filed financial years. Its solvency ranks better than 88% of 6,630 sector peers (NACE 64, financial year 2025). The company has been active since 1992 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Other financial services
NACE 64999
3rd oldest company in Veurne, Finance and insurance sector1 site
Size
€1.4mtotal assets 2024
- Equity
- €682,783
- Profit
- €68,953
Turnover not published (abbreviated format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
Accounts 80 days overdue0 of 3 deeds read
Signalsraises riskAnnual accounts not filedneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Filing: One filing cycle is missing
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Two signals.
raises riskneutral
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 80 days later.
NBB · 10 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline19-10-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-06-2025, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
42 days early
2023
12 days early
2022
23 days early
2021
16 days early
2020
16 days early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 18 days before the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (1)
- General meeting · Director resignationDirector appointment · Permanent representative
- Annual accounts filedfinancial year 2024 · abbreviated…
- Annual accounts filedfinancial year 2023 · abbreviated…
Financials · financial year 2024, abbreviated format
In the rankings
#3 oldest company in Veurne, Finance and insurance sector
2025 annual accounts filed late (72 days) Filed on 11 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00554104.
Equity
€682,783▼ 49.2%
2023 · €1.3m
Net result
€68,953▼ 66.6%
2023 · €206,387
Total assets
€1.4m▲ 1.6%
2023 · €1.4m
Solvency
49.1%▼ 49.2pp
2023 · 98.3%
Trend over the years
2020 to 2024, 5 financial years 2018 to 2024, 7 financial years
The operating result has fallen two years in a row; 2024 is 67% below 2023.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€0.1m
2024
Net result€0.07m
2024
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€1.4m
2024
Equity€0.7m
2024
Debt€0.7m
2024
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€0.4m
2024
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)5.0%
2024
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency49.1%
2024
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio1.54
2024
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line2018201920202021202220232024
Operating result€0.05m-€0.02m▼ 56.9%€0.06m▲ 176%€0.2m▲ 258%€0.3m▲ 55.2%€0.3m▼ 6.8%€0.1m▼ 67.1%
Net result€0.03m-€0.7m▲ 2,590%€0.04mwithin the sector's middle half▼ 94.3%€0.1mwithin the sector's middle half▲ 251%€0.2mabove the sector's middle half▲ 56.1%€0.2mabove the sector's middle half▼ 6.2%€0.07mwithin the sector's middle half▼ 66.6%
Equity€0.4m-€1.1m▲ 185%€0.8mwithin the sector's middle half▼ 22.7%€1.0mwithin the sector's middle half▲ 16.8%€1.1mwithin the sector's middle half▲ 16.1%€1.3mwithin the sector's middle half▲ 18.1%€0.7mwithin the sector's middle half▼ 49.2%
Total assets€0.7m-€1.3m▲ 85.3%€1.4mwithin the sector's middle half▲ 4.4%€1.2mwithin the sector's middle half▼ 11.2%€1.2mwithin the sector's middle half▲ 1.9%€1.4mwithin the sector's middle half▲ 11.8%€1.4mwithin the sector's middle half▲ 1.6%
Debt€0.3m-€0.2m▼ 33.8%€0.5m▲ 144%€0.2m▼ 57.0%€0.09m▼ 61.2%€0.02m▼ 72.4%€0.7m▲ 2,886%
Working capital-€0.2m-€0.8m€0.5mabove the sector's middle half▼ 32.3%€0.7mabove the sector's middle half▲ 26.8%€0.8mabove the sector's middle half▲ 19.6%€1.0mabove the sector's middle half▲ 26.5%€0.4mabove the sector's middle half▼ 62.2%
Solvency54.5%-83.7%▲ 29.2pp62.0%within the sector's middle half▼ 21.7pp81.6%above the sector's middle half▲ 19.6pp93.0%above the sector's middle half▲ 11.4pp98.3%above the sector's middle half▲ 5.3pp49.1%within the sector's middle half▼ 49.2pp
Current ratio0.19-6.45▲ 6.262.09within the sector's middle half▼ 4.364.02above the sector's middle half▲ 1.9310.31above the sector's middle half▲ 6.2943.54above the sector's middle half▲ 33.231.54within the sector's middle half▼ 42.00
Return on assets (ROA)3.7%-54.3%▲ 50.6pp3.0%within the sector's middle half▼ 51.4pp11.7%above the sector's middle half▲ 8.8pp18.0%above the sector's middle half▲ 6.2pp15.1%above the sector's middle half▼ 2.9pp5.0%within the sector's middle half▼ 10.1pp
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated format does not require them.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.4m
Fixed assets
€301,946 ▼ 10.2%
Current assets
€1.1m ▲ 5.5%
Equity and liabilities €1.4m
Equity
€682,783 ▼ 49.2%
Debt
€707,766 ▲ 2,886%
Debt's share of the balance-sheet total rises from 1.7% to 50.9%. Equity is lower and debt is higher.
Key figures and ratios
ROE
10.1%▼
2023 · 15.4%
Debt ≤ 1 year
€707,766▲
2023 · €23,699
Income taxes
€26,212▼
2023 · €88,758
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €32,801 | €32,801 | €32,801 | €31,587 | €26,921 | €33,858 | €37,690 | ▲ 11.3% |
| Other operating charges640/8 | - | - | - | €2,881 | €2,778 | €3,046 | €3,139 | ▲ 3.1% |
| Gross operating margin9900 | €82,446 | €55,854 | €90,948 | €235,497 | €341,660 | €327,552 | €136,346 | ▼ 58.4% |
| Operating profit (loss)9901 | €47,051 | €20,302 | €56,101 | €201,029 | €311,961 | €290,648 | €95,518 | ▼ 67.1% |
| Financial income75/76B | - | - | - | - | €207 | €4,829 | - | - |
| Recurring financial income75 | - | €764,606 | €6,772 | - | €207 | €4,829 | - | - |
| Financial charges65/66B | - | - | - | €1,245 | €562 | €332 | €352 | ▲ 6.0% |
| Recurring financial charges65 | €10,886 | €9,238 | €8,026 | €1,245 | €562 | €332 | €352 | ▲ 6.0% |
| Profit (loss) for the period before taxes9903 | €36,165 | €775,670 | €54,847 | €199,784 | €311,606 | €295,145 | €95,166 | ▼ 67.8% |
| Income taxes67/77 | €9,980 | €71,277 | €14,714 | €58,873 | €91,690 | €88,758 | €26,212 | ▼ 70.5% |
| Profit (loss) for the period9904 | €26,186 | €704,393 | €40,133 | €140,911 | €219,916 | €206,387 | €68,953 | ▼ 66.6% |
| Profit (loss) for the period to be appropriated9905 | €26,186 | €704,393 | €40,133 | €140,911 | €219,916 | €206,387 | €68,953 | ▼ 66.6% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €0.7m | €1.3m | €1.4m | €1.2m | €1.2m | €1.4m | €1.4m | ▲ 1.6% |
| Fixed assets21/28 | €0.7m | €0.4m | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | ▼ 10.2% |
| Tangible fixed assets22/27 | €0.4m | €0.4m | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | ▼ 10.2% |
| Land and buildings22 | - | - | - | €0.3m | €0.3m | €0.3m | €0.3m | ▼ 9.8% |
| Plant, machinery and equipment23 | - | - | - | €0.003m | €0.001m | €153 | - | - |
| Furniture and vehicles24 | - | - | - | - | - | €0.01m | €0.007m | ▼ 22.4% |
| Financial fixed assets28 | €0.2m | - | - | - | - | - | - | - |
| Current assets29/58 | €0.04m | €0.9m | €1.0m | €0.9m | €0.9m | €1.0m | €1.1m | ▲ 5.5% |
| Amounts receivable after more than one year29 | - | - | - | - | €0.3m | €0.3m | €0.3m | ▼ 19.0% |
| Trade receivables290 | - | - | - | - | €0.3m | €0.3m | €0.3m | ▼ 19.0% |
| Amounts receivable within one year40/41 | €0.006m | €0.6m | €0.5m | €0.6m | €0.08m | €0.2m | €0.1m | ▼ 50.9% |
| Trade receivables40 | - | - | - | €0.2m | €0.07m | €0.2m | €0.08m | ▼ 55.9% |
| Other amounts receivable41 | - | - | - | €0.4m | €0.02m | €0.02m | €0.02m | ▲ 6.8% |
| Cash at bank and in hand54/58 | €0.03m | €0.3m | €0.5m | €0.3m | €0.5m | €0.5m | €0.7m | ▲ 42.7% |
| Deferred charges and accrued income490/1 | - | - | - | €0.006m | €0.006m | €0.006m | €0.006m | ▲ 0.6% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €0.7m | €1.3m | €1.4m | €1.2m | €1.2m | €1.4m | €1.4m | ▲ 1.6% |
| Equity10/15 | €0.4m | €1.1m | €0.8m | €1.0m | €1.1m | €1.3m | €0.7m | ▼ 49.2% |
| Contributions10/11 | €0.3m | €0.3m | - | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Reserves13 | €0.1m | €0.8m | €0.9m | €1.0m | €1.2m | €1.4m | €0.7m | ▼ 48.7% |
| Non-distributable reserves130/1 | - | - | - | €0.03m | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €0.03m | - | - | - | - |
| Tax-exempt reserves132 | - | - | - | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Distributable reserves133 | - | - | - | €0.9m | €1.1m | €1.3m | €0.7m | ▼ 49.3% |
| Profit (loss) carried forward14 | -€0.03m | -€0.03m | -€0.03m | -€0.03m | -€0.03m | -€0.03m | -€0.03m | = |
| Amounts payable17/49 | €0.3m | €0.2m | €0.5m | €0.2m | €0.09m | €0.02m | €0.7m | ▲ 2,886% |
| Amounts payable after more than one year17 | €0.1m | €0.06m | €0.03m | - | - | - | - | - |
| Amounts payable within one year42/48 | €0.2m | €0.1m | €0.5m | €0.2m | €0.09m | €0.02m | €0.7m | ▲ 2,886% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.03m | - | - | - | - |
| Trade debts44 | €63 | €0.001m | €0.003m | €0.2m | €247 | €0.002m | €0.001m | ▼ 16.7% |
| Suppliers440/4 | - | - | - | €0.2m | €247 | €0.002m | €0.001m | ▼ 16.7% |
| Taxes, remuneration and social security45 | - | - | - | €0.02m | €0.02m | €0.02m | €0.03m | ▲ 20.1% |
| Taxes450/3 | - | - | - | €0.02m | €0.02m | €0.02m | €0.03m | ▲ 20.1% |
| Other amounts payable47/48 | - | - | - | - | €0.06m | - | €0.7m | - |
| Accrued charges and deferred income492/3 | - | - | - | €283 | €150 | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26,186 | €704,393 | €40,133 | €140,911 | €219,916 | €206,387 | €68,953 | ▼ 66.6% |
| + Depreciation and write-downs630 | €32,801 | €32,801 | €32,801 | €31,587 | €26,921 | €33,858 | €37,690 | ▲ 11.3% |
| Operating cash flow (approximation) | €58,987 | €737,194 | €72,934 | €172,498 | €246,837 | €240,245 | €106,643 | ▼ 55.6% |
| Investment in fixed assets (approximation) | - | €247,894 | €0 | €0 | -€54,319 | -€28,736 | -€3,309 | ▲ 88.5% |
| Change in cash | - | €310,388 | €159,523 | -€223,860 | €201,994 | €33,837 | €217,958 | ▲ 544% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 33 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2024 | abbreviated format | 19-06-2025 | 2025-00153508 |
| 31-12-2023 | abbreviated format | 19-07-2024 | 2024-00266013 |
| 31-12-2022 | abbreviated format | 08-07-2023 | 2023-00218534 |
| 31-12-2021 | abbreviated format | 15-07-2022 | 2022-20189646 |
| 31-12-2020 | abbreviated format | 15-07-2021 | 2021-35300550 |
| 31-12-2019 | abbreviated format | 31-07-2020 | 2020-36800458 |
| 31-12-2018 | abbreviated format | 24-07-2019 | 2019-36500582 |
| 31-12-2017 | abbreviated format | 27-07-2018 | 2018-38300041 |
| 31-12-2016 | abbreviated format | 18-07-2017 | 2017-31900390 |
| 31-12-2015 | abbreviated format | 12-08-2016 | 2016-41800296 |
Similar companies · same sector, comparable size
DWV INVEST
BE 0713.754.308
Putte · equity €669,079
APRIL BELGIUM
BE 0627.678.387
Waterloo · equity €657,205
LEBON
BE 0474.837.269
Oudergem · equity €654,485
Finco Utilitas
BE 0805.251.141
Temse · equity €680,996
GSD Invest
BE 0758.995.405
Amel · equity €652,775
Of the 792 active companies whose main activity is other financial services (NACE 64999), figures are known for 485. 276 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
No directors read yet: 0 of 3 Gazette acts processed. See the directors and other office holders in the KBO →
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
2026
17-07
Gazette deed
General meeting · Director resignation
Director appointment · Permanent representative
2025
19-06
NBB filing
Annual accounts filed
financial year 2024 · abbreviated format
2024
19-07
NBB filing
Annual accounts filed
financial year 2023 · abbreviated format
2023
31-12
Financial
Liquidity more than quadruplescurrent ratio 43.54
Current ratio from 10.31 to 43.54; short-term debt falls from €85,577 to €23,699.
08-07
NBB filing
Annual accounts filed
financial year 2022 · abbreviated format
2022
31-12
Financial
Liquidity more than doubledcurrent ratio 10.31
Current ratio from 4.02 to 10.31; short-term debt falls from €220,729 to €85,577.
31-12
Financial
Equity above €1mequity €1.1m ▲16.1%
A profit in every financial year since 2018 builds equity to €1.1m.
15-07
NBB filing
Annual accounts filed
financial year 2021 · abbreviated format
2021
15-07
NBB filing
Annual accounts filed
financial year 2020 · abbreviated format
2020
31-07
NBB filing
Annual accounts filed
financial year 2019 · abbreviated format
2019
31-12
Financial
Highest result from 2018 to 2024net €704,393 ▲2,590%
Net result €704,393, the highest in the series.
31-12
Financial
Liquidity more than 33 timescurrent ratio 6.45
Current ratio from 0.19 to 6.45; short-term debt falls from €215,145 to €142,451.
Show earlier events
31-12
Financial
Equity above €1mequity €1.1m ▲185%
A profit in every financial year since 2018 builds equity to €1.1m.
24-07
NBB filing
Annual accounts filed
financial year 2018 · abbreviated format
2018
27-07
NBB filing
Annual accounts filed
financial year 2017 · abbreviated format
2017
18-07
NBB filing
Annual accounts filed
financial year 2016 · abbreviated format
2016
12-08
NBB filing
Annual accounts filed
financial year 2015 · abbreviated format · 12 days late
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 33 annual accounts filed, the latest 10 are here; all 33 are under Financials.
0 of 3 deeds read
About the unread acts
We know of 3 Belgian Official 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.
Register details
Identification
Legal formPrivate limited company
Founded15-05-1992
Financial year end31-12
Activities, NACEBEL 2025
64999Other financial services
68201Renting and operating of own or leased residential real estate, excluding social housing
68202Real estate activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0447440313
Also
9925:BE0447440313
Registered
10-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 18 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Veurne · 1 establishment unit since 1992
Ground area
5,431 m²
Building footprint
2,261 m²
Building volume
11,631 m³
2 parcels, Flanders · tallest building 8.2 m. Linked by address, not a title deed.
1 establishment unit
PAT-DRIE BVBA
since 1992unit no. 2.057.756.713
2 parcels
Flanders
2
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 38025C0203/00M000 | Flanders | 4,581 m² | 1 · 2,015 m² | 8.2 m · 2 |
| 38025B0040/00Z000 | Flanders | 850 m² | 1 · 246 m² | 5.3 m · 1 |
How the parcels are linked
Good to know
Both parcels match the address exactly.