Pátoma
ActivePátoma is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €243k and a net result of €98k. Equity is growing by ~63.4% per year across the filed fiscal years. Its solvency ranks better than 40% of 7971 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
25 d early
2024
45 d early
2023
16 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€243k▲ 67.3%
2024 · €145k
2023: €59k
2024: €145k
2023 → 2025
Net result
€98k▲ 13.3%
2024 · €86k
2023: €54k
2024: €86k
2023 → 2025
Total assets
€630k▲ 16.1%
2024 · €543k
2023: €82k
2024: €543k
2023 → 2025
Solvency
38.5%▲ 11.8pp
2024 · 26.7%
2023: 72.0%
2024: 26.7%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€59k-€145k▲ 146%€243k▲ 67.3%
Operating result€70k-€133k▲ 91.1%€151k▲ 13.1%
Net result€54k-€86k▲ 60.1%€98k▲ 13.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 13% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €630k
Fixed assets
€466k▼ 0.8%
Current assets
€165k▲ 124%
Equity and liabilities €630k
Equity
€243k▲ 67.3%
Debt
€388k▼ 2.5%
The debt ratio falls from 73.3% to 61.5%: equity grows while debt is paid down.
Key figures and ratios
Solvency
38.5%▲
2024 · 26.7%
ROE
40.2%▼
2024 · 59.4%
ROA
15.5%▼
2024 · 15.9%
Debt
€388k▼
2024 · €398k
Debt ≤ 1 year
€188k▲
2024 · €148k
Debt > 1 year
€200k▼
2024 · €250k
Income taxes
€35k▲
2024 · €34k
Staff costs
€3k▼
2024 · €9k
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€543k€630k▲
Fixed assets21/28€470k€466k▼
Tangible fixed assets22/27€20k€16k▼
Furniture and vehicles24€20k€16k▼
Financial fixed assets28€450k€450k=
Current assets29/58€73k€165k▲
Amounts receivable within one year40/41€23k€60k▲
Trade receivables40€15k€47k▲
Other amounts receivable41€8k€13k▲
Cash at bank and in hand54/58€51k€105k▲
Equity and liabilities
Total equity and liabilities10/49€543k€630k▲
Equity10/15€145k€243k▲
Contributions10/11€5k€5k=
Reserves13€140k€238k▲
Distributable reserves133€140k€238k▲
Amounts payable17/49€398k€388k▼
Amounts payable after more than one year17€250k€200k▼
Financial debts170/4€250k€200k▼
Amounts payable within one year42/48€148k€188k▲
Current portion of amounts payable after more than one year42€50k€50k=
Financial debts43€50k€50k=
Credit institutions430/8€50k€50k=
Trade debts44€6k€120▼
Suppliers440/4€6k€120▼
Taxes, remuneration and social security45€42k€88k▲
Taxes450/3€42k€88k▲
Income statement
Code20242025
Remuneration, social security and pensions62€9k€3k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8€511€1k▲
Gross operating margin9900€146k€159k▲
Operating profit (loss)9901€133k€151k▲
Financial charges65/66B€13k€18k▲
Recurring financial charges65€13k€18k▲
Profit (loss) for the period before taxes9903€120k€133k▲
Income taxes67/77€34k€35k▲
Profit (loss) for the period9904€86k€98k▲
Profit (loss) for the period to be appropriated9905€86k€98k▲
Appropriation of the result
Profit (loss) to be appropriated9906€86k€98k▲
Transfer to equity691/2€86k€98k▲
To other reserves6921€86k€98k▲
The notes to these accounts (7 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €98k ▲13.3%
Operating result €151k, net result €98k, both a record.
31-12
Financial
Equity above €200kEq €243k ▲67.3%
3 profitable years in a row build equity to €243k.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €145k ▲146%
2 profitable years in a row build equity to €145k.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Wervik · 1 establishment unit since 2022
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.
Menensesteenweg 28940 WervikGround area
3,989 m²
Building footprint
435 m²
Volume, LiDAR
2,369 m³
Parcel 33029B0656/00K000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pátoma
since 20222.338.850.241
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33029B0656/00K000 | Flanders | 3,989 m² | 1 · 435 m² | 8.1 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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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 13,568 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2022
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.