VAN PAMEL CHRISTOPHE

Active

Private limited companyfounded 20197 yrs activeDudzeelse Steenweg 493, 8380 Brugge, BelgiumKBO/BCE: BE 0729.539.374

The computed 12-month bankruptcy probability of VAN PAMEL CHRISTOPHE is 1.6% (moderate). The 2025 annual accounts show equity of €104k and a net result of €62k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 63% of 7415 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

74 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency81▼-14

Growth52=

Track record100

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity ample (current ratio 2.19 against 2.64 in 2024; short-term debt: 35.3% and cash: 24.4% of total assets), and 43.8% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

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

56.2%

Return on assets

33.2%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

31 d early

2024

29 d late

2023

on the day

2022

31 d late

2021

24 d late

2020

31 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

20-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€104k▲ 12.7%

2024 · €93k

2020: €91k 2021: €129k 2022: €175k 2023: €175k 2024: €93k

2020 → 2025

Total assets

€186k▲ 40.6%

2024 · €132k

2020: €156k 2021: €180k 2022: €215k 2023: €201k 2024: €132k

2020 → 2025

Net result

€62k▲ 3.8%

2024 · €59k

2020: €81k 2021: €37k 2022: €47k 2023: €-132 2024: €59k

2020 → 2025

Working capital

€78k▲ 21.0%

2024 · €65k

2020: €47k 2021: €33k 2022: €83k 2023: €90k 2024: €65k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€129k-€175k▲ 36.4%€175k▼ 0.1%€93k▼ 47.1%€104k▲ 12.7%

Operating result€45k-€58k▲ 27.9%€545▼ 99.1%€73k▲ 13,325%€84k▲ 14.4%

Net result€37k-€47k▲ 25.3%€-132€59k€62k▲ 3.8%

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

Result per fiscal year

Operating resultNet result

After the dip in 2023 the operating result has climbed two years in a row; 2025 is 14% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €186k

22.6%

77.4%

Fixed assets €42k▲ 49.5%

Current assets €144k▲ 38.2%

Equity and liabilities €186k

56.2%

43.8%

Equity €104k▲ 12.7%

Debt €81k▲ 106%

The debt ratio rises from 29.8% to 43.8%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€98k▲

2024 · €84k

Cash flow

€76k▲

2024 · €70k

Solvency

56.2%▼

2024 · 70.2%

Current ratio

2.19▼

2024 · 2.64

Quick ratio

2.16▼

2024 · 2.58

Debt / equity

0.78▲

2024 · 0.42

ROE

59.1%▼

2024 · 64.1%

ROA

33.2%▼

2024 · 45.0%

Interest coverage

20.93▼

2024 · 35.70

Debt

€81k▲

2024 · €39k

Debt ≤ 1 year

€66k▲

2024 · €39k

Debt > 1 year

€16k

Income taxes

€18k▲

2024 · €18k

Staff costs

€13k▲

2024 · €11k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€132k€186k▲

Fixed assets21/28€28k€42k▲

Intangible fixed assets21€11k€3k▼

Tangible fixed assets22/27€17k€38k▲

Land and buildings22-€11k

Plant, machinery and equipment23€13k€13k▲

Furniture and vehicles24€4k€14k▲

Financial fixed assets28€250€250=

Current assets29/58€104k€144k▲

Stocks and contracts in progress3€3k€2k▼

Stocks30/36€3k€2k▼

Amounts receivable within one year40/41€50k€96k▲

Trade receivables40€36k€92k▲

Other amounts receivable41€14k€4k▼

Cash at bank and in hand54/58€51k€45k▼

Deferred charges and accrued income490/1€367€541▲

Equity and liabilities

Total equity and liabilities10/49€132k€186k▲

Equity10/15€93k€104k▲

Contributions10/11€10k€10k=

Profit (loss) carried forward14€83k€94k▲

Amounts payable17/49€39k€81k▲

Amounts payable after more than one year17-€16k

Financial debts170/4-€16k

Amounts payable within one year42/48€39k€66k▲

Current portion of amounts payable after more than one year42€4k€6k▲

Trade debts44€17k€38k▲

Suppliers440/4€17k€38k▲

Advances received on contracts in progress46€3k€3k=

Taxes, remuneration and social security45€15k€12k▼

Taxes450/3€13k€12k▼

Remuneration and social security454/9€2k-

Other amounts payable47/48-€6k

Income statement Code20242025

Remuneration, social security and pensions62€11k€13k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€14k▲

Other operating charges640/8€3k€3k▼

Non-recurring operating charges66A€506-

Gross operating margin9900€98k€115k▲

Operating profit (loss)9901€73k€84k▲

Financial income75/76B€7k€1k▼

Recurring financial income75€7k€1k▼

Financial charges65/66B€2k€5k▲

Recurring financial charges65€2k€5k▲

Profit (loss) for the period before taxes9903€78k€80k▲

Income taxes67/77€18k€18k▲

Profit (loss) for the period9904€59k€62k▲

Profit (loss) for the period to be appropriated9905€59k€62k▲

Appropriation of the result

Profit (loss) to be appropriated9906€225k€144k▼

Profit (loss) brought forward from the previous period14P€165k€83k▼

Profit to be distributed694/7€142k€50k▼

Return on contributions (dividend)694€142k€50k▼

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 11Financial 5Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

30-06

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Equity above €100kEq €104k ▲12.7%

2 profitable years in a row build equity to €104k.

29-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 29 days late

2024

31-12

Financial Back to profitnet €59k

Net result €59k after one loss-making year.

31-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Weakest financial yearnet €-132 ▼100%

Net result drops to €-132, the lowest in the series; recovery starts the following year.

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

31-12

Financial Equity above €150kEq €175k ▲36.4%

3 profitable years in a row build equity to €175k.

24-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 24 days late

2021

31-12

Financial Equity above €100kEq €129k ▲41%

2 profitable years in a row build equity to €129k.

31-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 31 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Brugge · 1 establishment unit since 2019

establishment The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Dudzeelse Steenweg 4938380 Brugge

Ground area

1,471 m²

Building footprint

125 m²

Volume, LiDAR

117 m³

Parcel 31007E0776/00F003, Flanders · tallest building 4.8 m. Linked by address, not a title deed.

1 establishment unit

VAN PAMEL CHRISTOPHE

Dudzeelse Steenweg 493, 8380 BruggeManufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials

since 20192.290.582.942

1 parcel

Flanders 1 (100%)