PATRIMA
ActiveSummary
PATRIMA has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €220k and a net result of €72k. Equity is growing by ~39.3% per year across the filed fiscal years. Its solvency ranks better than 53% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▼-7
Solvency84▼-16
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 2.42 against 12.74 in 2024; short-term debt: 40.7% and cash: 24.4% of total assets), and 41% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
59%
Return on assets
19.4%
Age of the figures
9 mo
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 16-04-2026, 106 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
106 d early
2024
71 d early
2023
120 d early
2022
103 d early
2021
115 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€220k▼ 26.1%
2024 · €298k
2021: €44k
2022: €129k
2023: €214k
2024: €298k
2021 → 2025
Total assets
€373k▲ 15.2%
2024 · €324k
2021: €55k
2022: €138k
2023: €224k
2024: €324k
2021 → 2025
Net result
€72k▼ 13.4%
2024 · €84k
2021: €39k
2022: €84k
2023: €85k
2024: €84k
2021 → 2025
Working capital
€216k▼ 26.3%
2024 · €293k
2021: €40k
2022: €122k
2023: €210k
2024: €293k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€44k-€129k▲ 191%€214k▲ 66.2%€298k▲ 39.1%€220k▼ 26.1%
Operating result€50k-€107k▲ 115%€106k▼ 1.0%€103k▼ 2.6%€98k▼ 4.9%
Net result€39k-€84k▲ 115%€85k▲ 0.9%€84k▼ 2.0%€72k▼ 13.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €373k
Fixed assets
€5k ▼ 7.6%
Current assets
€368k ▲ 15.6%
Equity and liabilities €373k
Equity
€220k ▼ 26.1%
Debt
€153k ▲ 489%
Debt's share of the balance-sheet total rises from 8.0% to 41.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€101k▼
2024 · €106k
Cash flow
€75k▼
2024 · €86k
Current ratio
2.42▼
2024 · 12.74
Debt to equity
0.70▲
2024 · 0.09
ROE
32.9%▲
2024 · 28.1%
ROA
19.4%▼
2024 · 25.8%
Interest coverage
141.13▼
2024 · 255.13
Debt ≤ 1 year
€152k▲
2024 · €25k
Income taxes
€25k▲
2024 · €22k
Staff costs
€614▲
2024 · €480
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€324k€373k▲
Fixed assets21/28€5k€5k▼
Tangible fixed assets22/27€5k€5k▼
Furniture and vehicles24€5k€5k▼
Current assets29/58€318k€368k▲
Amounts receivable within one year40/41€85k€277k▲
Trade receivables40€84k€75k▼
Other amounts receivable41€795€202k▲
Cash at bank and in hand54/58€233k€91k▼
Equity and liabilities
Total equity and liabilities10/49€324k€373k▲
Equity10/15€298k€220k▼
Contributions10/11€5k€5k=
Reserves13€293k€215k▼
Distributable reserves133€293k€215k▼
Amounts payable17/49€26k€153k▲
Amounts payable within one year42/48€25k€152k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€22k€20k▼
Taxes450/3€22k€20k▼
Other amounts payable47/48€2k€129k▲
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€480€614▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€562€876▲
Gross operating margin9900€107k€103k▼
Operating profit (loss)9901€103k€98k▼
Financial income75/76B€3k€21▼
Recurring financial income75€3k€21▼
Financial charges65/66B€416€718▲
Recurring financial charges65€416€718▲
Profit (loss) for the period before taxes9903€106k€98k▼
Income taxes67/77€22k€25k▲
Profit (loss) for the period9904€84k€72k▼
Profit (loss) for the period to be appropriated9905€84k€72k▼
Appropriation of the result
Profit (loss) to be appropriated9906€84k€72k▼
Transfer from equity791/2-€150k
Transfer to equity691/2€84k€72k▼
To other reserves6921€84k€72k▼
Profit to be distributed694/7-€150k
Return on contributions (dividend)694-€150k
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
16-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €85k ▲0.9%
Net result €85k, the highest in the series.
31-12
Financial
Equity above €200kEq €214k ▲66.2%
3 profitable years in a row build equity to €214k.
19-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 16.26
Current ratio from 5.30 to 16.26; short-term debt falls from €9k to €8k.
31-12
Financial
Equity above €100kEq €129k ▲191%
2 profitable years in a row build equity to €129k.
07-04
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
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, Ieper · 1 establishment unit since 2021
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.
Kruiskalsijdestraat 168900 IeperGround area
2.0 ha
Building footprint
182 m²
Volume, LiDAR
1,014 m³
Parcel 33302B0132/00F000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Patrima
since 20212.312.292.829
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33302B0132/00F000 | Flanders | 2.0 ha | 1 · 182 m² | 9.5 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.
Similar companies · same sector, comparable size
GAMEC
BE 0895.525.279
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ALYA MANAGEMENT
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Peter Heerwegh
BE 0553.790.420
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FRIETBROERS
BE 0798.356.916
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Gravenbos Farma
BE 0769.920.078
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Of 5,699 companies in sector 70100 we hold annual accounts for 3,494. 2,353 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70100Activities of head offices
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.