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Pat & Mo

Active
Private limited companyfounded 2019active for 7 yearsGroot-Bijgaardenstraat 14, 1082 Sint-Agatha-Berchem, BelgiumKBO/BCE: BE 0730.575.987

From the official registers: KBO 5 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of Pat & Mo is 7.6% (elevated). The 2025 annual accounts show equity of €14,817 and a net result of €2,470. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 28% of 13,716 sector peers (NACE 46, financial year 2025). The company has been active since 2019 and the Belgian Official Gazette contains no insolvency signals. The KBO does carry 1 administrative register entry.

Overview

Official details

KBO
Status
Active since 10-07-2019 Normal situation
Registered office
304 active companies are registered at this address 50 started in the 12 months before. Source: KBO register, as of 1 November 2026.
Activity
Wholesale of motor vehicle parts and accessories NACE 46720and 5 others
Establishment unit
2.291.427.535 1082 Sint-Agatha-Berchem, since 10-07-2019
Financial year end
31 December
Peppol
Reachable since 07-12-2025

Board and ownership

Board

Financial position

32 Weak Checked score 2025
Bankruptcy probabilitywithin 12 months
7.6%
Annual accounts 2025
Gross margin
€2,620
▼ 95.4%
Turnover
≈ €80,000
estimated
Profit
€2,470
▼ 95.7%
Equity
€14,817
▼ 74.2%
Total assets
€123,379
▲ 2.3%
Filed on 21-08-2026, 21 days after the deadlineat the National Bank
Score breakdownraises riskLast filed accounts filed 21 days late; 2 of the last 3 accounts lateEx-officio strike-off in the KBOLiquidity: current ratio 1.141 change of registered office in 24 monthsShow the evidence

Checked score

Score 2025
32 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially stronger than 18% of micro companies in wholesale trade (NACE 46)
Financial strength · tick: 2024
Weak
Solvency 37-36
equity 12.0% of total assets
Liquidity 3-24
short-term debt 88.0%
Profitability 43-57
return on assets 2.0%
Bankruptcy probability within 12 months
7.6% Elevated
0%0.5%1.5%4%10%≥ 25%

About 8 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,900 companies, NACE 46, micro)
Last 24 months 11-2024: 19.9% 12-2024: 21.7%▲ +1.8 percentage points vs 11-2024highest value 01-2025: 18.3%▼ -3.4 percentage points vs 12-2024 02-2025: 18.4%▲ +0.1 percentage points vs 01-2025 03-2025: 16.6%▼ -1.8 percentage points vs 02-2025 04-2025: 16.6%● unchanged vs 03-2025 05-2025: 16.6%● unchanged vs 04-2025 06-2025: 16.7%▲ +0.1 percentage points vs 05-2025 07-2025: 16.7%● unchanged vs 06-2025 08-2025: 16.7%● unchanged vs 07-2025 09-2025: 16.7%● unchanged vs 08-2025 10-2025: 15.3%▼ -1.4 percentage points vs 09-2025 11-2025: 15.1%▼ -0.2 percentage points vs 10-2025 12-2025: 15.1%● unchanged vs 11-2025 01-2026: 15.0%▼ -0.1 percentage points vs 12-2025 02-2026: 15.0%● unchanged vs 01-2026 03-2026: 14.9%▼ -0.1 percentage points vs 02-2026 04-2026: 15.3%▲ +0.4 percentage points vs 03-2026 05-2026: 15.1%▼ -0.2 percentage points vs 04-2026 06-2026: 13.4%▼ -1.7 percentage points vs 05-2026 07-2026: 13.6%▲ +0.2 percentage points vs 06-2026 08-2026: 9.3%▼ -4.3 percentage points vs 07-2026 09-2026: 7.6%▼ -1.7 percentage points vs 08-2026lowest value 10-2026: 7.6%● unchanged vs 09-2026lowest value
No publishable credit limit, so credit only on tighter terms
Liquidity is tight, with a current ratio of 1.14 (1.91 in 2024), below the usual 1.5. Short-term debt is 88% of total assets. 88% of the assets are financed with debt and provisions.
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 (NACE 46, micro). It does better than 25% of them on solvency, 5% on liquidity, 34% on profitability and 7% on growth.

The bankruptcy probability was computed on 31-10-2026 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

Six signals.
raises risk
raises risk · Last filed accounts filed 21 days late; 2 of the last 3 accounts late
NBB · filings
raises risk · Ex-officio strike-off in the KBO
KBO publications
raises risk · Liquidity: current ratio 1.14
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · 2025 accounts filed 21 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filings
Deviation from the deadline
2025
21 days late
2024
97 days late
2023
142 days late
2022
108 days early
2021
48 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 5 accounts on average 21 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

raises risk · Administrative warnings in the KBO publications
The FPS Economy published 1 notice about the company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publications
Publications
Address struck
Searched, nothing found (1)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 21 August (4 of the last 5 accounts filed within 122 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline

Key points

  • Caution: Result fell in 2025from €56,874 to €2,470 ▼ 95.7% View

Comparable companies

These companies have the same main activity as Pat & Mo: wholesale of motor vehicle parts and accessories (NACE 46720). They are comparable in size and age: total assets between €43,000 and €257,000, founded between 2010 and 2023.

CompanyTotal assetsGross margin
Pat & Mo Sint-Agatha-Berchem€123,379€2,620
ExpressParts Vilvoorde€115,133-€70,687
AZM Manage€257,069€4,293
MD2 DISTRIBUTION Pelt€102,418-€40,922
Alianco Trading Brussel€81,945€12,163
NADAF-AUTO Schaarbeek€69,332€5,653
INTERNESS BELGIQUE Ukkel€42,991-€31,398
Full comparison

Documents

Annual accounts at the NBB

All 5 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about Pat & Mo

What is the company number of Pat & Mo?
The company number of Pat & Mo is 0730.575.987. The VAT number is the same number with BE in front: BE 0730.575.987.
Where is Pat & Mo based?
The registered office is at Groot-Bijgaardenstraat 14, 1082 Sint-Agatha-Berchem.Company details
What does Pat & Mo do?
According to the KBO register, the main activity is wholesale of motor vehicle parts and accessories (NACE 46720).
What is the legal form of Pat & Mo?
The legal form of Pat & Mo is Private limited company (BV).
When was Pat & Mo founded?
Pat & Mo was founded on 10-07-2019.
Is Pat & Mo still active?
Yes, Pat & Mo is an active enterprise in the KBO register.
What is the turnover of Pat & Mo?
The turnover in financial year 2025 is ≈ €80,000. This figure is estimated from the gross margin of €2,620 and 34 comparable companies (NACE 467). It probably lies between €29,000 and €250,000. It is a rough estimate.Financials
Is Pat & Mo profitable?
In financial year 2025, Pat & Mo made a profit of €2,470.
Where can I find the annual accounts of Pat & Mo?
Pat & Mo filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of Pat & Mo due?
Pat & Mo must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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