Overdue debts
€27,069 on 31-12-2025
The annual accounts state €21,203 of overdue tax debts and €5,866 of overdue social security (RSZ) debts on 31-12-2025.
PEMAR
Lifetime
20 annual accounts with figures on one time axis, 29 filings since 1997peak €265,572 (2023)
€114,424▼ 56.1%
lowest -€173,812 (2025)
-€173,812▼ €191,951
peak €369,641 (2024)
€195,830▼ 47.0%
€410,447▲ 82.0%
peak 8.2 FTE (2013)
-not published
Board2 names since 2021
2 directorsGEENS Martine and 1 other
Documentsfilings and deeds
31-08-202631 days late
2025abbreviated format
Gross margin from €260,637 to €114,424Loss of €173,812Equity from €369,641 to €195,830Debts from €225,497 to €410,447
Key points
from the 2025 annual accountsEquity
€195,830 from €369,641 in 2024
Equity fell by 47% in 1 year.
Result
-€173,812 -€173,812
From profit to loss in 2025, after a profit of €18,139 in 2024.
Debts
€410,447 ▲ 82.0%
Debts rose by €184,951 in 2025.
Filings
29 annual accounts since 1997
Seven of the last ten came late. The 2025 accounts came latest: 31 days after the end of the period.
Position in the sector
-€173,812
Lower net result than 95% of companies in food and beverage service. Sector median €10,299 · 4,836 companies.
Checked score
62
Healthy
Financially stronger than 23% of micro companies in food and beverage service (NACE 56)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.5% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,788 companies (NACE 56, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.3%▲ +0.1 percentage points vs 06-2025
08-2025: 0.6%▲ +0.3 percentage points vs 07-2025
09-2025: 0.2%▼ -0.4 percentage points vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026lowest value
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.3%▲ +0.1 percentage points vs 06-2026
08-2026: 0.6%▲ +0.3 percentage points vs 07-2026
09-2026: 1.5%▲ +0.9 percentage points vs 08-2026highest value
10-2026: 1.5%● unchanged vs 09-2026highest value
11-2026: 1.5%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Loss of €173,812 (financial year 2025)
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
Sector: Food and beverage service activities (NACE 56)
lowers risk
Size: total assets €606,277
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 56, micro). It does better than 53% of them on solvency, 14% on liquidity, 8% on profitability and 15% on growth.
The bankruptcy probability was computed on 08-11-2026 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 low class on 30-06-2025, 0.8% 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, 5,831 companies had the same profile as PEMAR has now. Each dot stands for 15 companies, two years later.
84.5%
were still trading
13.4%
stopped another way
1.7%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of PEMAR itself: 1.5% 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 5,831 companies, not a prediction for PEMAR. 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
Credit of up to €12,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.68 (1.22 in 2024), below 1. Short-term debt is 66.2% and cash 1.2% of total assets. 67.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
21 days late
2023
34 days early
2022
29 days late
2021
41 days early
2020
11 days early
2019
28 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 3 days after the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% 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 21 August (4 of the last 5 accounts filed within 54 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0458025585
Amendment of the articles · Resignations & appointments
Resignations: GEENS Peter (director) and GEENS Martine (director) · Reappointments: GEENS Peter (director) and GEENS Martine (director) · Gazette deed
Reappointments: Peter Geens (managing director) and Martine Geens (managing director)
General meeting of 27-05-2022 · Gazette deed
Capital increase of €50,000 to €111,500
Capital from €61,500 to €111,500, 296 new shares · Contribution: GEENS Peter · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PEMAR Aarschot | €606,277 | €114,424 | 32.3% | - |
| TER BEUKE Diepenbeek | €594,837 | €106,913 | 96.6% | - |
| FAN Bruges | €549,227 | €116,672 | 30.3% | - |
| NIEUWE CHINA CORNER Herk-de-Stad | €643,103 | €110,186 | 53.3% | - |
| TOBARA Ostend | €684,273 | €101,032 | 94.3% | - |
| ULTIME GATE Auderghem | €540,783 | €132,460 | 29.1% | - |
| DE LANGE MUUR Herentals | €574,048 | €91,735 | 95.8% | - |
These companies have the same main activity as PEMAR: full-service restaurants (NACE 56111). They are comparable in size and age: total assets between €541,000 and €684,000, founded between 1992 and 1999.
Official details
Source: KBO- Status
- Active since 21-05-1996Normal situation
- Activity
- Full-service restaurantsNACE 56111
- Establishment unit
- 2.081.422.0403202 Aarschot, since 17-04-1997
- Financial year end
- 31 December
- Peppol
- Reachable since 30-10-2025
Annual accounts 2025
- ≈ €350,000estimated
- €606,277▲ 1.9%
- Employeeson 31-12-2025
- 4=
- Filing
- Filed on 31-08-2026
Insights on PEMAR
PEMAR files the abbreviated format. That format states no turnover. The gross margin fell from €139,925 in 2006 to €114,424 in 2025.
The balance sheet grew most from 2016 to 2018 through fixed assets.
In July 2022, the Official Gazette published the appointment of GEENS Martine as managing director.
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 PEMAR
- What is the company number of PEMAR?
- The company number of PEMAR is 0458.025.585. The VAT number is the same number with BE in front: BE 0458.025.585.
- Where is PEMAR based?
- The registered office is at Diestsesteenweg 491, 3202 Aarschot.Company details
- What does PEMAR do?
- According to the KBO register, the main activity is full-service restaurants (NACE 56111).
- What is the legal form of PEMAR?
- PEMAR is a public limited company (NV).
- When was PEMAR founded?
- PEMAR was founded on 21-05-1996.
- Is PEMAR still active?
- Yes, PEMAR is an active enterprise in the KBO register.
- How many employees does PEMAR have?
- PEMAR had an average of 6.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of PEMAR?
- The turnover in financial year 2025 is ≈ €350,000. This figure is estimated from the gross margin of €114,424 and 31 comparable companies (NACE 56111). It probably lies between €290,000 and €380,000.
- Is PEMAR profitable?
- In financial year 2025, PEMAR made a loss of €173,812.
- Where can I find the annual accounts of PEMAR?
- PEMAR filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PEMAR due?
- PEMAR must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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