Equity
-€259,351
Debts exceed assets in financial year 2025.
PATRIMMONIA
Lifetime
20 annual accounts with figures on one time axispeak €404,371 (2021)
€293,876▼ 23.4%
lowest -€447,442 (2025)
-€447,442▼ €259,192
peak €376,342 (2023)
-€259,351▼ €447,442
€1.8m▲ 63.3%
peak 8.8 FTE (2025)
8.8 FTE▲ 41.9%
Board4 names since 2014
1 directorVERRAES Wolfgang Pol Jozef
Owners2 names in the annual accounts
Documentsfilings and deeds
30-07-20261 day before the deadline
2025financial year
Gross margin from €383,451 to €293,876Loss of €447,442Staff from 6.2 FTE to 8.8 FTEEquity from €188,091 to -€259,351Debts from €1.1m to €1.8mInvestments €454,281
Key points
from the 2025 annual accountsResult
-€447,442 ▼ 138%
The result fell in 2025: different schema filed.
Debts
€1.8m 117% of the balance sheet
Financial debts 38%Suppliers 17%Taxes and wages 1%Other 44%
Of this, €1.4m falls due within a year.
Investments
€578,294 33.2 × depreciation
Green is investment, beige is depreciation. Machinery stands 331.0% higher than in 2024.
Staff
8 employees on 31-12-2025
In 2025, 6 people joined and 6 left.
Position in the sector
-€447,442
Lower net result than 92% of companies in real estate. Sector median €20,526 · 5,817 companies.
Checked score
46
Fair
Financially stronger than 8% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.8% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025lowest value
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.2%▲ +0.1 percentage points vs 06-2025
08-2025: 0.3%▲ +0.1 percentage points vs 07-2025
09-2025: 0.9%▲ +0.6 percentage points vs 08-2025
10-2025: 0.9%● unchanged vs 09-2025
11-2025: 0.9%● unchanged vs 10-2025
12-2025: 0.9%● unchanged vs 11-2025
01-2026: 0.9%● unchanged vs 12-2025
02-2026: 0.9%● unchanged vs 01-2026
03-2026: 0.9%● unchanged vs 02-2026
04-2026: 0.9%● unchanged vs 03-2026
05-2026: 0.9%● unchanged vs 04-2026
06-2026: 0.9%● unchanged vs 05-2026
07-2026: 0.9%● unchanged vs 06-2026
08-2026: 3.8%▲ +2.9 percentage points vs 07-2026highest value
09-2026: 3.8%● unchanged vs 08-2026highest value
10-2026: 3.8%● unchanged vs 09-2026highest value
11-2026: 3.8%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Negative equity -€259,351
Loss of €447,442, the second in a row (financial year 2025)
Founded in 2005
Size: 8.8 FTE, total assets €1.5m
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 11% of them on solvency, 14% on liquidity, 4% on profitability and 3% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,619 companies had the same profile as PATRIMMONIA has now. Each dot stands for 17 companies, two years later.
84.5%
were still trading
10.0%
stopped another way
4.5%
went bankrupt
Another 1.0% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of PATRIMMONIA itself: 3.8% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,619 companies, not a prediction for PATRIMMONIA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.66 (1.02 in 2024), below 1. Short-term debt is 90.1% and cash 13.3% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€259,351
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 day early
2024
1 day early
2023
2 days early
2022
14 days early
2021
11 days late
2020
2 days early
2019
83 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 11 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Vennootschap voor Distributiebevordering van Meubelen 74.91%score 91equity €444,979 (2025) · 2025 annual accounts of Vennootschap voor Distributiebevordering van Meubelen
Shares in 2 companies, THE TIMBER FACTORY and EWOOD
Board & ownershipRecent changes
Amendment of the articles · Resignations & appointments
Resignation: VERRAES Wolfgang Pol Jozef (director) · Reappointment: VERRAES Wolfgang Pol Jozef (sole director) · VENNOOTSCHAP VOOR DISTRIBUTIEBEVORDERING VAN MEUBELEN holds 3,491 shares · General meeting of 11-12-2023 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0876453792
Resignation: MINOLEON BV (director)
Permanent representative: Vervaet Karel · Gazette deed
1 director appointed, 1 resignation
Resignation: Vervaet Karel · Appointment: MINOLEON BV · Permanent representative: Vervaet Karel · General meeting of 08-03-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PATRIMMONIA Nazareth-De Pinte | €1.5m | €293,876 | -17.0% | 8.8 |
| UW-HUIS Beveren-Kruibeke-Zwijndrecht | €2.2m | €513,378 | 21.3% | 7.5 |
| ORALIS Ixelles | €2.0m | €326,876 | 43.5% | 5.7 |
| WSB Syndic Dilbeek | €1.5m | €502,818 | 29.7% | 6.4 |
| J&J Properties Woluwe-Saint-Pierre | €0.9m | €465,581 | 29.1% | 7.9 |
| LIKE IMMO Tournai | €1.4m | €528,627 | 22.5% | 6.5 |
| comme chez toi Schaerbeek | €1.6m | €741,149 | 18.5% | 9.8 |
These companies have the same main activity as PATRIMMONIA: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €887,000 and €2.2m, founded between 2004 and 2011.
Official details
Source: KBO- Status
- Active since 27-09-2005Normal situation
- Activity
- Real estate agency activitiesNACE 68310and 1 other
- Joint committees
- 124Construction
- 200Auxiliary committee for white-collar workers · annual accounts 2024
- Establishment units
- 2.149.498.9179840 Nazareth-De Pinte, since 19-10-2005
- 2.316.164.0209810 Nazareth, since 01-12-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 30-08-2023
Annual accounts 2025
- ≈ €720,000estimated
- €1.5m▲ 19.0%
- Employeeson 31-12-2025
- 8=
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on PATRIMMONIA
PATRIMMONIA has existed since 2005. In 2012 the gross margin rose from €16,962 to €135,777.
The gross margin has fallen every year since 2021. Solvency fell in 2025 from 14.7% to -17.0% because of the loss and higher long-term debts.
Vennootschap voor Distributiebevordering van Meubelen holds 74.91% of the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PATRIMMONIA
- What is the company number of PATRIMMONIA?
- The company number of PATRIMMONIA is 0876.453.792. The VAT number is the same number with BE in front: BE 0876.453.792.
- Where is PATRIMMONIA based?
- The registered office is at Den Beer 18, 9840 Nazareth-De Pinte.Company details
- What does PATRIMMONIA do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of PATRIMMONIA?
- PATRIMMONIA is a public limited company (NV).
- When was PATRIMMONIA founded?
- PATRIMMONIA was founded on 27-09-2005.
- Is PATRIMMONIA still active?
- Yes, PATRIMMONIA is an active enterprise in the KBO register.
- How many employees does PATRIMMONIA have?
- PATRIMMONIA had an average of 8.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does PATRIMMONIA fall under?
- In its 2024 annual accounts, PATRIMMONIA states joint committees 124 (Construction) and 200 (Auxiliary committee for white-collar workers).
- What is the turnover of PATRIMMONIA?
- The turnover in financial year 2025 is ≈ €720,000. This figure is estimated from the gross margin of €293,876 and 30 comparable companies (NACE 683). It probably lies between €500,000 and €920,000.
- Is PATRIMMONIA profitable?
- In financial year 2025, PATRIMMONIA made a loss of €447,442.
- Where can I find the annual accounts of PATRIMMONIA?
- PATRIMMONIA filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PATRIMMONIA due?
- PATRIMMONIA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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