Summary
PATOU 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 €17,640 and a net result of €69,760. Equity is growing by ~39.1% per year across the filed fiscal years. Its solvency ranks better than 29% of 5565 sector peers (fiscal year 2025). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
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.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 filingsDeviation from the deadline
2025
29 d late
2024
30 d late
2023
27 d late
2022
31 d late
2021
28 d late
2020
47 d late
2019
92 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 41 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€17,640▼ 63.2%
2024 · €47,879
Net result
€69,760▲ 65.6%
2024 · €42,126
Total assets
€62,101▲ 26.0%
2024 · €49,272
Solvency
28.4%▼ 68.8pp
2024 · 97.2%
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€27,789▼ 8.1%€31,846▲ 14.6%€32,775▲ 2.9%€42,257▲ 28.9%€86,830▲ 105%
Net result€26,152€31,472▲ 20.3%€32,495▲ 3.3%€42,126▲ 29.6%€69,760▲ 65.6%
Equity-€58,214▲ 31.0%-€26,742▲ 54.1%€5,754€47,879▲ 732%€17,640▼ 63.2%
Total assets€26,727▼ 12.6%€34,892▲ 30.6%€31,701▼ 9.1%€49,272▲ 55.4%€62,101▲ 26.0%
Debt€84,940▼ 26.1%€61,633▼ 27.4%€25,948▼ 57.9%€1,393▼ 94.6%€44,461▲ 3,093%
Working capital-€80,214▲ 24.6%-€48,742▲ 39.2%-€16,246▲ 66.7%€25,879€12,640▼ 51.2%
Solvency-217.8%▲ 57.9pp-76.6%▲ 141.2pp18.1%▲ 94.8pp97.2%▲ 79.0pp28.4%▼ 68.8pp
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 105% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62,101
Fixed assets
€5,000 ▼ 77.3%
Current assets
€57,101 ▲ 109%
Equity and liabilities €62,101
Equity
€17,640 ▼ 63.2%
Debt
€44,461 ▲ 3,093%
Debt's share of the balance-sheet total rises from 2.8% to 71.6%. Equity is lower and debt is higher.
Key figures and ratios
ROE
395.5%▲
2024 · 88.0%
ROA
112.3%▲
2024 · 85.5%
Debt ≤ 1 year
€44,461▲
2024 · €1,393
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | €55 | - | - | - | - |
| Gross operating margin9900 | €27,789 | €31,901 | €32,775 | €42,257 | €86,830 | ▲ 105% |
| Operating profit (loss)9901 | €27,789 | €31,846 | €32,775 | €42,257 | €86,830 | ▲ 105% |
| Financial income75/76B | - | €2 | - | €0 | €54 | ▲ 17,860% |
| Recurring financial income75 | - | €2 | - | €0 | €54 | ▲ 17,860% |
| Financial charges65/66B | €340 | €375 | €280 | €132 | €17,123 | ▲ 12,851% |
| Recurring financial charges65 | €340 | €375 | €280 | €132 | €123 | ▼ 6.7% |
| Non-recurring financial charges66B | - | - | - | - | €17,000 | - |
| Profit (loss) for the period before taxes9903 | €27,449 | €31,472 | €32,495 | €42,126 | €69,760 | ▲ 65.6% |
| Income taxes67/77 | €1,297 | - | - | - | - | - |
| Profit (loss) for the period9904 | €26,152 | €31,472 | €32,495 | €42,126 | €69,760 | ▲ 65.6% |
| Profit (loss) for the period to be appropriated9905 | €26,152 | €31,472 | €32,495 | €42,126 | €69,760 | ▲ 65.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €26,727 | €34,892 | €31,701 | €49,272 | €62,101 | ▲ 26.0% |
| Fixed assets21/28 | €22,000 | €22,000 | €22,000 | €22,000 | €5,000 | ▼ 77.3% |
| Tangible fixed assets22/27 | - | €0 | €0 | €0 | €0 | - |
| Furniture and vehicles24 | - | €0 | €0 | €0 | €0 | - |
| Financial fixed assets28 | €22,000 | €22,000 | €22,000 | €22,000 | €5,000 | ▼ 77.3% |
| Current assets29/58 | €4,727 | €12,892 | €9,701 | €27,272 | €57,101 | ▲ 109% |
| Amounts receivable within one year40/41 | €2,468 | €11,031 | €9,320 | €25,534 | €41,378 | ▲ 62.0% |
| Trade receivables40 | €2,468 | €11,031 | €9,320 | €13,167 | €41,378 | ▲ 214% |
| Other amounts receivable41 | - | - | - | €12,367 | - | - |
| Current investments50/53 | €11 | €11 | €11 | - | - | - |
| Cash at bank and in hand54/58 | €2,247 | €1,849 | €371 | €1,738 | €15,723 | ▲ 805% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €26,727 | €34,892 | €31,701 | €49,272 | €62,101 | ▲ 26.0% |
| Equity10/15 | -€58,214 | -€26,742 | €5,754 | €47,879 | €17,640 | ▼ 63.2% |
| Contributions10/11 | €575,000 | €575,000 | €575,000 | €575,000 | €475,000 | ▼ 17.4% |
| Capital10 | €575,000 | €575,000 | €575,000 | €575,000 | - | - |
| Issued capital100 | €575,000 | €575,000 | €575,000 | €575,000 | - | - |
| Profit (loss) carried forward14 | -€633,214 | -€601,742 | -€569,246 | -€527,121 | -€457,360 | ▲ 13.2% |
| Amounts payable17/49 | €84,940 | €61,633 | €25,948 | €1,393 | €44,461 | ▲ 3,093% |
| Amounts payable within one year42/48 | €84,940 | €61,633 | €25,948 | €1,393 | €44,461 | ▲ 3,093% |
| Trade debts44 | €2 | - | - | - | €217 | - |
| Suppliers440/4 | €2 | - | - | - | €217 | - |
| Taxes, remuneration and social security45 | €853 | €698 | €685 | €1,393 | €7,858 | ▲ 464% |
| Taxes450/3 | €853 | €698 | €685 | €1,393 | €7,858 | ▲ 464% |
| Other amounts payable47/48 | €84,085 | €60,935 | €25,263 | - | €36,386 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26,152 | €31,472 | €32,495 | €42,126 | €69,760 | ▲ 65.6% |
| Operating cash flow (approximation) | €26,152 | €31,472 | €32,495 | €42,126 | €69,760 | ▲ 65.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €17,000 | - |
| Change in cash | - | -€398 | -€1,478 | €1,367 | €13,985 | ▲ 923% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
31-12
Financial
Highest result since 2018net €69,760 ▲65.6%
Operating result €86,830, net result €69,760, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
2024
31-12
Financial
Liquidity times 52current ratio 19.58
Current ratio from 0.37 to 19.58; short-term debt falls from €25,948 to €1,393.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
31-12
Financial
Back to profitnet €26,152
Net result €26,152 after one loss-making year.
16-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 47 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
31-12
Financial
Back to profitnet €31,702
Net result €31,702 after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Chaudfontaine · 1 establishment unit since 2002
Ground area
6,737 m²
Building footprint
798 m²
Volume, LiDAR
5,965 m³
2 parcels, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Croix André 28, 4550 Nandrin
since 20022.099.122.956
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61043C0148/00P000 | Wallonia | 5,690 m² | 1 · 675 m² | 10.2 m · 3 fl. |
| 62012B0180/00L004 | Wallonia | 1,047 m² | 1 · 123 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
20%
According to the 2025 annual accounts of PATOU 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
Lupi
BE 0600.938.160
Wellen · Eq €17,634
JAMD Management
BE 0680.776.187
Lanaken · Eq €17,619
PANAMCO
BE 0536.291.224
Brugge · Eq €17,664
INGENIOR
BE 0478.332.734
Diest · Eq €17,597
BOLLEN MOTOR STORE
BE 0784.395.943
Braine-l'Alleud · Eq €17,684
Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 6,975 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
Founded06-06-2002
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0477698175
Registered
14-01-2026
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.