Summary
PAUMA has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2020 annual accounts show equity of €5,857 and a net result of €6,608. Equity is growing by ~118.6% per year across the filed fiscal years. Its solvency ranks better than 29% of 1048 sector peers (fiscal year 2020). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
No current score
Figures too old
The available figures for FY 2020 are too old to assess current financial health.
Filing: Five or more filing cycles are missing. This points to a standstill, not an imminent failure.
Axes, FY 2020 · tick = 2019
Profitability70▲+11
Solvency47▲+25
Growth85=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2020Solvency, return and age of the figures
Solvency
21.5%
Return on assets
24.3%
Age of the figures
69 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · No filing for years
The last filed financial year closed on 31-12-2020. Since then, 5 financial years are missing. This points to a standstill, not an imminent failure.
NBB · 5 filingsPosition against the passed deadline
31-12-2021 close31-07-2022 deadline27-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2020 was due by 31-07-2021 and was filed on 17-06-2021, 44 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
not filed
2021
not filed
2020
44 d early
2019
67 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 56 days before the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2020, full schema
Turnover
€214,472▲ 44.2%
2019 · €148,687
EBIT margin
3.2%▲ 0.6pp
2019 · 2.6%
Net result
€6,608▲ 87.8%
2019 · €3,518
Working capital
-€3,528▲ 76.9%
2019 · -€15,261
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line201820192020
Turnover€98,520-€148,687▲ 50.9%€214,472▲ 44.2%
Operating result€3,167-€3,876▲ 22.4%€6,878▲ 77.4%
Net result€2,703-€3,518▲ 30.2%€6,608within the sector's middle half▲ 87.8%
EBIT margin3.2%-2.6%▼ 0.6pp3.2%▲ 0.6pp
Equity-€4,269--€751▲ 82.4%€5,857below the sector's middle half
Total assets€23,913-€22,849▼ 4.5%€27,229below the sector's middle half▲ 19.2%
Debt€28,183-€23,600▼ 16.3%€21,371▼ 9.4%
Working capital-€13,959--€15,261▼ 9.3%-€3,528▲ 76.9%
Solvency-17.9%--3.3%▲ 14.6pp21.5%within the sector's middle half▲ 24.8pp
above
within
below
the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2020 is 77% above 2019 and is the highest result in the available series.
Balance-sheet composition
2020 in colour, 2019 as the grey bar beneath
Assets €27,229
Fixed assets
€9,385 ▼ 35.3%
Current assets
€17,844 ▲ 114%
Equity and liabilities €27,229
Equity
€5,857
Debt
€21,371
Debt finances 78.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€12,003▲
2019 · €8,116
Cash flow
€11,733▲
2019 · €7,758
Current ratio
0.83▲
2019 · 0.35
ROE
112.8%
ROA
24.3%▲
2019 · 15.4%
Debt ≤ 1 year
€21,371▼
2019 · €23,600
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | Change |
|---|---|---|---|---|
| Turnover70 | €98,520 | €148,687 | €214,472 | ▲ 44.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,290 | €4,240 | €5,125 | ▲ 20.9% |
| Gross operating margin9900 | €9,457 | €8,201 | €15,003 | ▲ 82.9% |
| Operating profit (loss)9901 | €3,167 | €3,876 | €6,878 | ▲ 77.4% |
| Recurring financial charges65 | €363 | €358 | €270 | ▼ 24.6% |
| Profit (loss) for the period before taxes9903 | €2,703 | €3,518 | €6,608 | ▲ 87.8% |
| Profit (loss) for the period9904 | €2,703 | €3,518 | €6,608 | ▲ 87.8% |
| Profit (loss) for the period to be appropriated9905 | €2,703 | €3,518 | €6,608 | ▲ 87.8% |
| Line | 2018 | 2019 | 2020 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €23,913 | €22,849 | €27,229 | ▲ 19.2% |
| Fixed assets21/28 | €9,690 | €14,510 | €9,385 | ▼ 35.3% |
| Tangible fixed assets22/27 | €9,290 | €14,510 | €9,385 | ▼ 35.3% |
| Financial fixed assets28 | €400 | - | - | - |
| Current assets29/58 | €14,223 | €8,339 | €17,844 | ▲ 114% |
| Amounts receivable within one year40/41 | €13,785 | €7,306 | €12,960 | ▲ 77.4% |
| Cash at bank and in hand54/58 | - | - | €4,421 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €23,913 | €22,849 | €27,229 | ▲ 19.2% |
| Equity10/15 | -€4,269 | -€751 | €5,857 | ▲ 880% |
| Contributions10/11 | €500 | €500 | €500 | = |
| Reserves13 | €50 | €50 | €50 | = |
| Profit (loss) carried forward14 | -€4,819 | -€1,301 | €5,307 | ▲ 508% |
| Amounts payable17/49 | €28,183 | €23,600 | €21,371 | ▼ 9.4% |
| Amounts payable within one year42/48 | €28,183 | €23,600 | €21,371 | ▼ 9.4% |
| Trade debts44 | €16,752 | €13,660 | €1,826 | ▼ 86.6% |
| Line | 2018 | 2019 | 2020 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,703 | €3,518 | €6,608 | ▲ 87.8% |
| + Depreciation and write-downs630 | €6,290 | €4,240 | €5,125 | ▲ 20.9% |
| Operating cash flow (approximation) | €8,993 | €7,758 | €11,733 | ▲ 51.2% |
| Investment in fixed assets (approximation) | - | -€9,059 | €0 | ▲ 100% |
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
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €6,608 ▲87.8%
Operating result €6,878, net result €6,608, both a record.
25-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
10-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Jodoigne
Ground area
799 m²
Building footprint
156 m²
Volume, LiDAR
881 m³
Parcel 25085D0233/00L000, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25085D0233/00L000 | Wallonia | 799 m² | 1 · 156 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 11,577 companies in sector 71121 we hold annual accounts for 6,570. 2,102 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formGeneral partnership
Founded06-08-2015
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
Contact
E-mail
pauma@skynet.be
Phone
0471772715
E-invoicing
Reachable via Peppol
Peppol ID
0208:0634893308
Also
9925:BE0634893308
Registered
07-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.