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Complete company report
Generated 03-09-2026
Active BE 0476.688.979Private limited company

PAYMAN

Brugse Steenweg 69 ·8370 Blankenberge, Belgium· 24 yrs active
Sector: Activiteiten van industriële wasserijen (96101)
Conclusion Checked

PAYMAN has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-174k) and a net result of €-25k. The computed 12-month bankruptcy probability is 0.6% (low).

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €-174k
Net result €-25k
Staff (FTE) 3.8
Active 24 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health25Profitability72Solvency33Growth32Stability100
52 / 100

Mixed profile: strong on stability, weaker on health.

All 5 axes are computed from data Checked has read.

Health 25
Profitability 72
Solvency 33
Growth 32
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.6% Low
0%0,5%1,5%4%10%≥25%
Long track record −Multiple establishment units +

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 2002, 24 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score FY 2025 · computed
25 / 100 Weak
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview24 NBB filings
Annual accounts filed on 25-08-2026 with the NBB · fiscal year 2025 · micro schema
€-40k€-20k€0€20kOperating result 2024: €28k€28kNet result 2024: €25k€25kOperating result 2025: €-23k€-23kNet result 2025: €-25k€-25k20242025
Operating resultNet result
EBITDA
€22k
-68.4% 24-25
Net profit
€-25k
- 24-25
Cash flow
€21k
-69.5% 24-25
Total assets
€310k
-3.0% 24-25
Equity
€-174k
-16.7% 24-25
Working capital
€-364k
+5.4% 24-25
Employees (FTE)
4
-19.1% 24-25
Staff costs
€151k
-4.2% 24-25
Debt
€484k
+3.3% 24-25
Debt ≤ 1y
€484k
+3.3% 24-25
Debt > 1y
€0
- 24-25
Current ratio
0.25
+38.3% 24-25
Quick ratio
0.11
+181.7% 24-25
Solvency
-56.1%
-20.4% 24-25
Debt / equity
-2.78
+11.5% 24-25
ROE
14.3%
- 24-25
ROA
-8.0%
- 24-25
Interest coverage
14.44
-51.1% 24-25
Figures by fiscal year and ratios
Fiscal year2025
Depositmicro schema
Revenue-
EBITDA€22k
Net profit€-25k
Cash flow€21k
Staff costs€151k
Income taxes-
Dividends-
Total assets€310k
Equity€-174k
Debt€484k
of which ≤ 1y€484k
of which > 1y-
Working capital€-364k
Employees (FTE)3.8
Ratios (computed)
2025
Current ratio0.25
Quick ratio0.11
Working capital ratio-117.3%
Solvency-56.1%
Debt / equity-2.78
Long-term debt ratio-
Interest coverage14.44
Gross margin-
Net margin-
ROA-8.0%
ROE14.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€310k
Fixed assets 21/28€190k
Tangible fixed assets 22/27€188k
Financial fixed assets 28€2k
Current assets 29/58€120k
Stocks & contracts in progress 3€67k
Amounts receivable within one year 40/41€51k
Cash & bank 54/58€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€310k
Equity 10/15€-174k
Contributions / capital 10/11€110k
Reserves 13€123
Accumulated profits (losses) 14€-284k
Amounts payable 17/49€484k
Amounts payable within one year 42/48€484k
Trade debts payable within one year 44€56k
Income statement
Gross operating margin 9900€179k
Operating result 9901€-23k
Financial income 75€0
Financial charges 65€2k
Result before taxes 9903€-25k
Net result for the period 9904€-25k
Result to be appropriated 9905€-25k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 4 directors
Current directors & mandates
  • MOHAMDZEY Payam
    Director
    State Gazette act 23482029 (28-12-2023)
    Current
    28-12-2023 → present
  • Sorayia Eshaghzey
    Director
    State Gazette act 23482029 (28-12-2023)
    Current
    28-12-2023 → present
    3 events
    • 28-12-2023 Resigned· Director
    • 28-12-2023 Appointed· Director
    • 01-04-2022 Appointed· Director
Former directors (2)
  • Payman Mohamdzey
    Director
    State Gazette act 23482029 (28-12-2023)
    Former
    - → 28-12-2023
  • Mohamdzey Abdel
    Director
    State Gazette act 22052433 (26-04-2022)
    Former
    - → 31-03-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Activiteiten van industriële wasserijen(96101)
Legal form Private limited company(610)
Incorporation07-01-2002
StatusActive
Postal code8370
Establishment units 2 locations
PAYMAN
Brugse Steenweg 69, 8370 Blankenbergede groothandel in nieuwe en gebruikte auto's voor personenvervoer, inclusief die voor bijzondere doeleinden(vb ambulances)
since 20022.095.875.634
Payman
Kerkstraat 406, 8370 BlankenbergeGroothandel in kleding, met uitzondering van werk- en onderkleding
since 20232.342.165.166
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
31034D0018/03L000 Flanders 1,728 m² 1 · 168 m² 8.2 m · 1 fl.
31034B0505/00N003 Flanders 175 m² 1 · 107 m² 14.7 m · 3 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 12 events
2026
25-08-2026 NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08-2025 NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08-2024 NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
28-12-2023 State Gazette act Director changes
Frederik Vanden Driessche
21-08-2023 NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08-2022 NBB filing Annual accounts filed
fiscal year 2021 · micro schema
26-04-2022 State Gazette act Director changes
No further detail in the source.
2021
25-08-2021 NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
27-08-2020 NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
29-08-2019 NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
27-08-2018 NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08-2017 NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Belgian State Gazette reading coverage 0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 2 years ago
2023
28-12-2023 2 directors appointed, 2 resigning Director changes·Frederik Vanden Driessche
  • Sorayia Eshaghzey, Bestuurder
  • MOHAMDZEY Payam, Bestuurder
  • Sorayia Eshaghzey, Bestuurder
  • Payman Mohamdzey, Bestuurder
Notary: Frederik Vanden Driessche · De HaanFirm: NOTARIAAT NOBELS-VANDEN DRIESSCHE
Technical details 
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      "reason": null,
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      "statutory": "niet_statutair",
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    },
    {
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        "kind": "indefinite",
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      "rep_rotation_new_rep": null,
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      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "MOHAMDZEY Payam",
        "address": "8370 Blankenberge, Brugse Steenweg 69",
        "birth_date": "2003-12-04",
        "profession": null,
        "birth_place": "Brugge"
      },
      "reason": null,
      "subkind": null,
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      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
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      },
      "rep_rotation_new_rep": null,
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      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "decharge_pending",
      "role": "bestuurder",
      "person": {
        "rrn": null,
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        "address": null,
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      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "niet_statutair",
      "compensated": null,
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      "evidence_quote": "",
      "decharge_status": "pending_next_agm",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
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    },
    {
      "kind": "decharge_pending",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Payman Mohamdzey",
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      "reason": null,
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      "statutory": "niet_statutair",
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      "evidence_quote": "",
      "decharge_status": "pending_next_agm",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "substantive_delegation",
      "role": "bestuursorgaan",
      "person": null,
      "reason": null,
      "subkind": "additional",
      "via_org": {
        "kbo": null,
        "name": "bv Stemafisk",
        "address": "8490 Jabbeke, Gistelsteenweg 403",
        "country": "BE",
        "legal_form": "BV"
      },
      "statutory": null,
      "compensated": null,
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      "evidence_quote": "",
      "decharge_status": null,
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      "rep_rotation_new_rep": null,
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    }
  ],
  "notary": {
    "name": "Frederik Vanden Driessche",
    "firm_city": null,
    "firm_name": "NOTARIAAT NOBELS-VANDEN DRIESSCHE",
    "office_city": "De Haan",
    "is_associated": true
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-12-28",
    "filing_date": "2023-12-23",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2023-12-15",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0476.688.979",
    "name_full": "PAYMAN",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Frederik VANDEN DRIESSCHE",
    "org_rep_person_name": null,
    "person_role_at_subject": "Notaris"
  },
  "co_filed_documents": [
    "expeditie van het proces-verbaal dd. 15/12/2023",
    "de geco\u00F6rdineerde statuten met historiek"
  ],
  "corrected_publication_numac": null
}
2022
26-04-2022 1 director appointed, 1 resigning Director changes
  • Eshaghzey Sorayia, Bestuurder
  • Mohamdzey Abdel, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Mohamdzey Abdel",
        "address": "Brugse Steenweg 69 - 8370 Blankenberge",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2022-03-31",
      "evidence_quote": "Op de bijzondere algemene vergadering van 1 april 2022 werd met \u00E9\u00E9nparigheid van stemmen beslist om het ontslag als bestuurder te aanvaarden van de heer Mohamdzey Abdel, wonende te Brugse Steenweg 69 - 8370 Blankenberge en dit met ingang van 31 maart 2022.",
      "decharge_status": null,
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    },
    {
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      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
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      "compensated": null,
      "effective_date": "2022-04-01",
      "evidence_quote": "Tevens werd er met \u00E9\u00E9nparigheid van stemmen beslist om mevrouw Eshaghzey Sorayia, wonende te Brugse Steenweg 69- 8370 Blankenberge te benoemen als bestuurder en dit met ingang van 1 april 2022.",
      "decharge_status": null,
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  ],
  "notary": {
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  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2022-04-26",
    "filing_date": "2022-04-15",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
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      "body": "bijzondere_algemene_vergadering",
      "date": "2022-04-01",
      "unanimous": true
    },
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      "body": "bijzondere_algemene_vergadering",
      "date": "2022-04-01",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0476.688.979",
    "name_full": "PAYMAN",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
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    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": [],
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}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Algemene reiniging van gebouwen81210Activiteiten van industriële wasserijen96101Huishoudelijke persoonlijke dienstverlening96910Groothandel in auto's en lichte bestelwagens (<= 3,5 ton)46711Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Groothandel in kleding, met uitzondering van werk- en onderkleding46423Groothandel in kledingaccessoires46424Groothandel in schoeisel46425Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)47716Detailhandel in lederwaren en reisartikelen47722Groothandel in motorvoertuigen50101Detailhandel in motorvoertuigen50103Activiteiten van wasserettes en wassalons ten behoeve van particulieren96102
Primary activity highlighted.
Names & trade names
Legal nameNL PAYMAN
Registered office
Brugse Steenweg 69
8370 Blankenberge, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative