PATRIMMO VC
ActiveSummary
PATRIMMO VC has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €53k and a net result of €-36k. Its solvency ranks better than 28% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-15
Solvency31▼-24
Growth32
Track record82
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity short (current ratio 0.08 against 0.01 in 2024; short-term debt: 42% and cash: 2% of total assets), and 93.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
6.3%
Return on assets
-4.2%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2425
2024 to 2025 · latest year €-36k
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 13-07-2026, 18 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
18 d early
2024
22 d late
← 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
€53k▼ 40.0%
2024 · €89k
2024: €89k
2024 → 2025
Total assets
€842k▲ 185%
2024 · €295k
2024: €295k
2024 → 2025
Net result
€-36k▼ 220%
2024 · €-11k
2024: €-11k
2024 → 2025
Working capital
€-325k▼ 59.4%
2024 · €-204k
2024: €-204k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€89k-€53k▼ 40.0%
Operating result€-11k-€-27k▼ 142%
Net result€-11k-€-36k▼ 220%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €27k in 2025 against €11k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €842k
Fixed assets
€813k ▲ 178%
Current assets
€29k ▲ 1,041%
Equity and liabilities €842k
Equity
€53k ▼ 40.0%
Debt
€789k ▲ 282%
Debt's share of the balance-sheet total rises from 69.9% to 93.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-8k
Cash flow
€-17k
Current ratio
0.08▲
2024 · 0.01
Debt to equity
14.78▲
2024 · 2.32
ROE
-66.6%▼
2024 · -12.5%
ROA
-4.2%▼
2024 · -3.8%
Interest coverage
-0.88
Debt ≤ 1 year
€354k▲
2024 · €207k
Debt > 1 year
€426k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€295k€842k▲
Fixed assets21/28€293k€813k▲
Tangible fixed assets22/27€293k€813k▲
Land and buildings22€293k€808k▲
Plant, machinery and equipment23-€5k
Current assets29/58€3k€29k▲
Amounts receivable within one year40/41€2k€11k▲
Trade receivables40-€11k
Other amounts receivable41€2k€31▼
Cash at bank and in hand54/58€284€17k▲
Deferred charges and accrued income490/1€157€1k▲
Equity and liabilities
Total equity and liabilities10/49€295k€842k▲
Equity10/15€89k€53k▼
Contributions10/11€100k€100k=
Profit (loss) carried forward14€-11k€-47k▼
Amounts payable17/49€207k€789k▲
Amounts payable after more than one year17-€426k
Financial debts170/4-€426k
Amounts payable within one year42/48€207k€354k▲
Current portion of amounts payable after more than one year42-€23k
Trade debts44€95k€120k▲
Suppliers440/4€95k€120k▲
Other amounts payable47/48€111k€211k▲
Accrued charges and deferred income492/3-€9k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€18k
Other operating charges640/8€1k€5k▲
Gross operating margin9900€-10k€-3k▲
Operating profit (loss)9901€-11k€-27k▼
Financial income75/76B€8€945▲
Recurring financial income75€8€945▲
Financial charges65/66B€45€10k▲
Recurring financial charges65€45€10k▲
Profit (loss) for the period before taxes9903€-11k€-36k▼
Profit (loss) for the period9904€-11k€-36k▼
Profit (loss) for the period to be appropriated9905€-11k€-36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-47k▼
Profit (loss) brought forward from the previous period14P-€-11k
The notes to these accounts (6 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
NBB filing
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, Pajottegem · 1 establishment unit since 2023
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.
Steenweg Asse(HN) 2131540 PajottegemGround area
833 m²
Building footprint
244 m²
Volume, LiDAR
330 m³
Parcel 23031B0103/00E002, Flanders · tallest building 9.4 m. Linked by address, not a title deed.
1 establishment unit
PATRIMMO VC
since 20232.351.381.750
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23031B0103/00E002 | Flanders | 833 m² | 1 · 244 m² | 9.3 m |
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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BE 0420.999.497
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I.B.C.M
BE 0883.428.488
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KOOPVAARDIJ
BE 0831.620.194
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Of 12,022 companies in sector 68203 we hold annual accounts for 5,986. 3,165 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
Founded13-10-2023
Fiscal year end31-12
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.