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PATRIMMO

Active
Public limited companyfounded 197748 yrs activeHerestraat 5, 3000 Leuven, BelgiumKBO/BCE: BE 0417.577.278
Summary

PATRIMMO has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €445,125 and a net result of €5,202. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 95% of 10466 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
PATRIMMOActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
Real estate agency activities
NACE 68310NACE 68311NACE 70311
#7 oldest company in Leuven, Real estate sector1 site
Size
€458,062total assets 2025
Equity
€445,125
Profit
€5,202
Turnover not published (abridged schema)
Financial health
94 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Board
1 member
Accounts 23 d early2 of 10 deeds read
Why 94- Liquidity: current ratio 31.79, cash €2,680+ Size: total assets €458,062+ Equity €445,125 (97.2% of total assets)+ Founded in 1977Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Better than 54% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 100=
equity 97.2% of total assets
Liquidity 51=
short-term debt 2.8% · cash 0.6%
Profitability 20-1
return on assets 1.1%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,417 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%▼ -4.1% vs 12-2024 02-2025: 0.2%▲ +1.6% vs 01-2025 03-2025: 0.2%▼ -0.5% vs 02-2025 04-2025: 0.2%▼ -1.0% vs 03-2025 05-2025: 0.2%▲ +3.2% vs 04-2025 06-2025: 0.2%● 0.0% vs 05-2025 07-2025: 0.3%▲ +47.2% vs 06-2025 08-2025: 0.4%▲ +44.3% vs 07-2025highest value 09-2025: 0.1%▼ -75.6% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -4.0% vs 12-2025 02-2026: 0.1%▲ +2.1% vs 01-2026 03-2026: 0.1%● 0.0% vs 02-2026 04-2026: 0.1%▲ +3.0% vs 03-2026 05-2026: 0.1%▲ +3.9% vs 04-2026 06-2026: 0.1%● 0.0% vs 05-2026 07-2026: 0.1%▲ +10.4% vs 06-2026 08-2026: 0.1%▼ -29.1% vs 07-2026lowest value 09-2026: 0.1%● 0.0% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 31.79, cash €2,680 raises the probability
  • Size: total assets €458,062 lowers the probability for this profile
  • Equity €445,125 (97.2% of total assets) lowers the probability
  • Founded in 1977 lowers the probability for this profile
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 31.79 against 37.87 in 2024; short-term debt: 2.8% and cash: 0.6% of total assets), and 2.8% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 91%, liquidity 55%, profitability 20%, growth against the median 49%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 31.79, cash €2,680
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Size: total assets €458,062
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Equity €445,125 (97.2% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1977
In the bankruptcy model this factor lowers the probability for this profile.
KBO
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
23 d early
2024
28 d late
2023
6 d early
2022
on the day
2021
31 d late
2020
24 d early
2019
8 d early
← 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 on the deadline day; the sector median for financial year 2024 is 7 days before the deadline, and 36% 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. Usually files around 31 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Appointment: Wim Smeulders (managing director)State Gazette act
  2. Resignation: Jan Smeulders (non-statutory director)Appointment: Wim Smeulders (non-statutory director)…
  3. Annual accounts filedfiscal year 2025 · abbreviated…

Key points

  • Positive: Among the best 5% on solvencysector median 31.2% · 10,466 companies 97.2% View
  • Caution: Board changedlatest change 08-05-2026 · 1 in office 1 joined · 1 left View
  • Active since 1977founded 03-10-1977 49 years View

By topic

Financials

Fiscal year
2025
Total assets
€458,062
Profit
€5,202
Solvency
97.2%
Total assets▲ 1.7%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-07-2027
  1. 30-09-2026Appointment: Wim Smeulders (managing director)
  2. 19-08-2026Resignation: Jan Smeulders (non-statutory director)
  3. 08-07-2026Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Real estate agency activitiesNACE 68310
Founded
03-10-1977
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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