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PneumaPaidos

Active
Private limited companyfounded 20251 yr activeRue du Chepson(ML) 21, 5020 Namur, BelgiumKBO/BCE: BE 1021.035.262
Summary

The computed 12-month bankruptcy probability of PneumaPaidos is 1.9% (moderate). The 2025 annual accounts show equity of €25,194 and a net result of €20,194. The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability100
Solvency72
Growth-
Track record67
Bankruptcy probability, 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 1.88; short-term debt: 51.7% and cash: 60.4% of total assets), but 52.8% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
47.2%
Return on assets
37.9%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filing
Deviation from the deadline
2025
26 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 14 March 2025, PneumaPaidos was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€25,194
Total assets
€53,327
Net result
€20,194
Working capital
€24,396

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €53,327
Fixed assets €1,348
Current assets €51,978
Equity and liabilities €53,327
Equity €25,194
Debt €28,133
Debt finances 52.8% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€29,096
Cash flow
€23,520
Current ratio
1.88
Debt to equity
1.12
ROE
80.2%
ROA
37.9%
Interest coverage
164.76
Debt ≤ 1 year
€27,582
Income taxes
€5,400

Peer companies

Historical observation

Of the 11,280 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

For this company itself Checked computes a higher bankruptcy probability: 1.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 11,280 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 36 lines
Balance sheet Code2025
Assets
Total assets20/58€53,327
Fixed assets21/28€1,348
Tangible fixed assets22/27€1,348
Furniture and vehicles24€1,348
Current assets29/58€51,978
Cash at bank and in hand54/58€32,225
Deferred charges and accrued income490/1€19,753
Equity and liabilities
Total equity and liabilities10/49€53,327
Equity10/15€25,194
Contributions10/11€5,000
Reserves13€20,000
Distributable reserves133€20,000
Profit (loss) carried forward14€194
Amounts payable17/49€28,133
Amounts payable within one year42/48€27,582
Trade debts44€530
Suppliers440/4€530
Taxes, remuneration and social security45€20,400
Taxes450/3€20,400
Other amounts payable47/48€6,652
Accrued charges and deferred income492/3€551
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,326
Other operating charges640/8€469
Gross operating margin9900€29,565
Operating profit (loss)9901€25,770
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€177
Recurring financial charges65€177
Profit (loss) for the period before taxes9903€25,594
Income taxes67/77€5,400
Profit (loss) for the period9904€20,194
Profit (loss) for the period to be appropriated9905€20,194
Appropriation of the result
Profit (loss) to be appropriated9906€20,194
Transfer to equity691/2€20,000
To the legal reserve6920€20,000

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,326
Other operating charges640/8€469
Gross operating margin9900€29,565
Operating profit (loss)9901€25,770
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€177
Recurring financial charges65€177
Profit (loss) for the period before taxes9903€25,594
Income taxes67/77€5,400
Profit (loss) for the period9904€20,194
Profit (loss) for the period to be appropriated9905€20,194
Line2025
Assets
Total assets20/58€53,327
Fixed assets21/28€1,348
Tangible fixed assets22/27€1,348
Furniture and vehicles24€1,348
Current assets29/58€51,978
Cash at bank and in hand54/58€32,225
Deferred charges and accrued income490/1€19,753
Equity and liabilities
Total equity and liabilities10/49€53,327
Equity10/15€25,194
Contributions10/11€5,000
Reserves13€20,000
Distributable reserves133€20,000
Profit (loss) carried forward14€194
Amounts payable17/49€28,133
Amounts payable within one year42/48€27,582
Trade debts44€530
Suppliers440/4€530
Taxes, remuneration and social security45€20,400
Taxes450/3€20,400
Other amounts payable47/48€6,652
Accrued charges and deferred income492/3€551
Line2025
Profit (loss) for the period9904€20,194
+ Depreciation and write-downs630€3,326
Operating cash flow (approximation)€23,520

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
26-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Namur · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
4.9 ha
Building footprint
94 m²
Volume, LiDAR
732 m³
2 parcels, Wallonia · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PneumaPaidos
Boulevard de Patience et Beaujonc 9, 4000 LiègeSpecialist medical practice
since 20252.371.152.330
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62042B0366/00S011 Wallonia 4.7 ha - -
92082A0431/00H000 Wallonia 1,531 m² 1 · 94 m² 9.5 m · 3 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded14-03-2025
Fiscal year end31-12
Contact
E-mail michael.deltenre@skynet.be
Phone +320472660256
Phone 0472/66.02.56Liège
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.