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SCHUMACHER PAM

Active
Private limited companyfounded 2018active for 8 yearsAvenue Eugène Ysaye 34/120, 4053 Chaudfontaine, BelgiumKBO/BCE: BE 0712.616.735
Summary

The computed 12-month bankruptcy probability of SCHUMACHER PAM is 9.4% (elevated). The 2024 annual accounts show equity of €36,943 and a net result of €36,775. Equity fluctuates too strongly from year to year to read a trend from it. The company has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 26-10-2018 Normal situation
Activity
“L’exercicedeladentisterieetdetouteslesactivitéssimilaires,analoguesouconnexestellesque,notamment,l’orthodontie,lastomatologie,l’implantologie,lachirurgiemaxillo-faciale,laparodontologie,enconsultationprivéeouenpolycliniqueainsiquelafabricationetleplacementdeprothèsesdentairesettoutautreappareillageetaccessoirede dentisterie” (deed in French)From the articles, 5 activitiesNo NACE code in the KBO yet
Joint committee
330 Health institutions and services · annual accounts 2023
Establishment unit
2.282.590.340 4053 Chaudfontaine, since 26-10-2018
Financial year end
31 December
Peppol
Reachable since 01-09-2025

Board and ownership

Financial position

36 Weak Checked score 2024
Bankruptcy probabilitywithin 12 months
9.4%
Annual accounts 2024
Gross margin
€73,055
▲ 67.5%
Turnover
≈ €220,000
estimated
Profit
€36,775
Equity
€36,943
▲ 219×
Total assets
€54,993
▲ 42.7%
Staff
≈ 0.1 FTE
estimated
  • 2025 accounts filed 96 days after the deadline
Score breakdownraises risk1 change of registered office in 24 monthsFigures for financial year 2024 (filed on 03-10-2025)No main activity registered1 financial year not filed after the legal deadline; last filed accounts filed 61 days late; 2 of the last 3 accounts lateShow the evidence

Checked score

Score 2024
36 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially stronger than 72% of micro companies without a NACE code
Financial strength · tick: 2023
Strong
Solvency 92+67
equity 67.2% of total assets
Liquidity 86+52
short-term debt 32.8% · cash 45.7%
Profitability 75+70
return on assets 66.9%
Bankruptcy probability within 12 months
9.4% Elevated
0%0.5%1.5%4%10%≥ 25%

About 9 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 3.6% 01-2025: 3.2%▼ -0.4 percentage points vs 12-2024 02-2025: 3.2%● unchanged vs 01-2025 03-2025: 3.4%▲ +0.2 percentage points vs 02-2025 04-2025: 3.4%● unchanged vs 03-2025 05-2025: 3.5%▲ +0.1 percentage points vs 04-2025 06-2025: 3.5%● unchanged vs 05-2025 07-2025: 3.4%▼ -0.1 percentage points vs 06-2025 08-2025: 4.7%▲ +1.3 percentage points vs 07-2025 09-2025: 5.2%▲ +0.5 percentage points vs 08-2025 10-2025: 7.8%▲ +2.6 percentage points vs 09-2025 11-2025: 2.4%▼ -5.4 percentage points vs 10-2025 12-2025: 2.4%● unchanged vs 11-2025 01-2026: 2.4%● unchanged vs 12-2025lowest value 02-2026: 2.4%● unchanged vs 01-2026lowest value 03-2026: 2.4%● unchanged vs 02-2026 04-2026: 2.6%▲ +0.2 percentage points vs 03-2026 05-2026: 2.9%▲ +0.3 percentage points vs 04-2026 06-2026: 3.1%▲ +0.2 percentage points vs 05-2026 07-2026: 3.2%▲ +0.1 percentage points vs 06-2026 08-2026: 4.8%▲ +1.6 percentage points vs 07-2026 09-2026: 5.4%▲ +0.6 percentage points vs 08-2026 10-2026: 9.4%▲ +4.0 percentage points vs 09-2026highest value 11-2026: 9.4%● unchanged vs 10-2026highest value
Credit of up to €1,000 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is ample, with a current ratio of 2.46 (0.89 in 2023), above the usual 1.5. Short-term debt is 32.8% and cash 45.7% of total assets. 32.8% of the assets are financed with debt and provisions.
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 (no NACE code, micro). It does better than 56% of them on solvency, 77% on liquidity, 58% on profitability and 99% on growth.

The bankruptcy probability was computed on 04-11-2026 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 31-12-2024.

Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% 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).

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Signals

Six signals.
lowers riskraises risk
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · Figures for financial year 2024 (filed on 03-10-2025)
NBB · annual accounts
raises risk · No main activity registered
KBO
raises risk · 1 financial year not filed after the legal deadline; last filed accounts filed 61 days late; 2 of the last 3 accounts late
NBB · filings
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024
Equity per financial year
192021222324
2019 to 2024 · latest year €36,943
raises risk · 2025 accounts filed 96 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-11-2026, 96 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 7 filings
Deviation from the deadline
2025
96 days late
2024
61 days late
2023
30 days late
2022
84 days late
2021
61 days late
2020
31 days late
2019
11 days late
← before the deadline after the deadline →
tick = median of all Belgian filings

The company filed its last 7 accounts on average 53 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were 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 September (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Back in profit in 2024after a loss of €28,375 in 2023 €36,775 View

Recent changes

  1. · Gazette deed Registered office moved from Chaudfontaine to EmbourgNew registered office: Avenue Eugène Ysaye 34/120, 4053 Embourg · Previous registered office: Fosse aux Pierres 3, 4053 Chaudfontaine
  2. · Gazette deed Change of role: SCHUMACHER Paul Charles Marcel, from manager to directorDirector discharge: SCHUMACHER Paul Charles Marcel
  3. · Gazette deed Incorporation
All 15 events

Key facts about SCHUMACHER PAM

What is the company number of SCHUMACHER PAM?
The company number of SCHUMACHER PAM is 0712.616.735. The VAT number is the same number with BE in front: BE 0712.616.735.
Where is SCHUMACHER PAM based?
The registered office is at Avenue Eugène Ysaye 34/120, 4053 Chaudfontaine.Company details
What is the legal form of SCHUMACHER PAM?
SCHUMACHER PAM is a private limited company (BV).
When was SCHUMACHER PAM founded?
SCHUMACHER PAM was founded on 26-10-2018.
Is SCHUMACHER PAM still active?
Yes, SCHUMACHER PAM is an active enterprise in the KBO register.
How many employees does SCHUMACHER PAM have?
SCHUMACHER PAM had an average of 0.6 full-time equivalents in financial year 2021, according to the filed annual accounts.Financials
Which joint committee does SCHUMACHER PAM fall under?
In its 2023 annual accounts, SCHUMACHER PAM states joint committee 330 (Health institutions and services).
What is the turnover of SCHUMACHER PAM?
The turnover in financial year 2024 is ≈ €220,000. This figure is estimated from the gross margin of €73,055 and 2,663 comparable companies of the same size. It probably lies between €150,000 and €380,000. It is a rough estimate.
Is SCHUMACHER PAM profitable?
In financial year 2024, SCHUMACHER PAM made a profit of €36,775.
Where can I find the annual accounts of SCHUMACHER PAM?
SCHUMACHER PAM filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of SCHUMACHER PAM due?
SCHUMACHER PAM must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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