Pat & Mo
ActiveThe computed 12-month bankruptcy probability of Pat & Mo is 2.4% (moderate). The 2025 annual accounts show equity of €15k and a net result of €2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 11200 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability83▼-17
Solvency22▼-69
Growth32▼-46
Stability100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.14 against 1.91 in 2024), and 88% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
12%
Return on assets
2%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 5 filingsDeviation from the deadline
2025
21 d late
2024
97 d late
2023
142 d late
2022
108 d early
2021
48 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▼ 74.2%
2024 · €57k
2021: €24k
2022: €10k
2023: €474
2024: €57k
2021 → 2025
Total assets
€123k▲ 2.3%
2024 · €121k
2021: €28k
2022: €22k
2023: €42k
2024: €121k
2021 → 2025
Net result
€2k▼ 95.7%
2024 · €57k
2021: €16k
2022: €-14k
2023: €-9k
2024: €57k
2021 → 2025
Working capital
€15k▼ 74.2%
2024 · €57k
2021: €20k
2022: €7k
2023: €474
2024: €57k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€10k▼ 58.8%€474▼ 95.2%€57k▲ 12,008%€15k▼ 74.2%
Operating result€19k-€-14k€-9k▲ 32.5%€57k€2k▼ 95.7%
Net result€16k-€-14k€-9k▲ 33.3%€57k€2k▼ 95.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 96% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €123k
Equity
€15k▼ 74.2%
Debt
€109k▲ 71.5%
The debt ratio rises from 52.5% to 88.0%: debt grows while equity shrinks.
Key figures and ratios
Solvency
12.0%▼
2024 · 47.5%
Current ratio
1.14▼
2024 · 1.91
Quick ratio
1.14▼
2024 · 1.91
Debt / equity
7.33▲
2024 · 1.10
ROE
16.7%▼
2024 · 99.2%
ROA
2.0%▼
2024 · 47.1%
Debt
€109k▲
2024 · €63k
Debt ≤ 1 year
€109k▲
2024 · €63k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€121k€123k▲
Current assets29/58€121k€123k▲
Amounts receivable within one year40/41€117k€123k▲
Trade receivables40€103k€118k▲
Other amounts receivable41€14k€5k▼
Cash at bank and in hand54/58€3k-
Equity and liabilities
Total equity and liabilities10/49€121k€123k▲
Equity10/15€57k€15k▼
Contributions10/11€2k€2k=
Reserves13€8k€8k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€47k€5k▼
Amounts payable17/49€63k€109k▲
Amounts payable within one year42/48€63k€109k▲
Trade debts44€58k€103k▲
Suppliers440/4€58k€103k▲
Taxes, remuneration and social security45€5k€5k=
Taxes450/3€5k€5k=
Income statement
Code20242025
Other operating charges640/8-€150
Gross operating margin9900€57k€3k▼
Operating profit (loss)9901€57k€2k▼
Profit (loss) for the period before taxes9903€57k€2k▼
Profit (loss) for the period9904€57k€2k▼
Profit (loss) for the period to be appropriated9905€57k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€5k▼
Profit (loss) brought forward from the previous period14P€-9k€2k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
05-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 97 days late
2024
31-12
Financial
Back to profitnet €57k
Net result €57k after 2 loss-making years.
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 142 days late
2023
14-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-14k ▼191%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Sint-Agatha-Berchem · 1 establishment unit since 2019
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Groot-Bijgaardenstraat 141082 Sint-Agatha-BerchemGround area
290 m²
Building footprint
293 m²
Volume, LiDAR
2,049 m³
Parcel 21342B0043/00F003, Brussels · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Groot-Bijgaardenstraat 14, 1082 Sint-Agatha-Berchem
since 20192.291.427.535
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21342B0043/00F003 | Brussels | 290 m² | 1 · 293 m² | 10.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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CAR ONE BELGIUM
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BE 0887.226.237
Moorslede · Eq €15k
Peter Van Loon Transport
BE 1002.898.935
Lille · Eq €15k
MB SOLUTION
BE 0704.929.187
Sint-Joost-ten-Node · Eq €15k
Manatec Europe
BE 0779.771.815
Zele · Eq €14k
Of 1,743 companies in sector 46720 we hold annual accounts for 1,079. 268 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2019
Fiscal year end31-12
Activities, NACEBEL
45310
46720Wholesale of motor vehicle parts and accessories
46411Wholesale trade
46412Wholesale of household textiles and bedding
46419Wholesale trade
46421Wholesale trade
46422Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:chezpatetmo@gmail.com
E-mail:tluigi055@gmail.com
Phone:0465544990