Pardia
ActivePardia has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €449k and a net result of €-14k. Equity remains stable across the filed fiscal years (±1.3% per year). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
65
/ 100
Healthy▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 25.51 against 20.33 in 2024), and 19.1% of the assets are financed with debt.
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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
80.9%
Return on assets
-2.6%
Age of the figures
18 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-11-2025, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
15 d late
2023
28 d late
2022
6 d early
2021
37 d early
2020
2 d early
2019
37 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close15-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€449k▼ 3.1%
2024 · €464k
2019: €473k
2020: €502k
2021: €473k
2022: €479k
2023: €467k
2024: €464k
2019 → 2025
Total assets
€556k▼ 2.7%
2024 · €571k
2019: €796k
2020: €819k
2021: €611k
2022: €611k
2023: €584k
2024: €571k
2019 → 2025
Net result
€-14k▼ 339%
2024 · €-3k
2019: €-9k
2020: €28k
2021: €-6k
2022: €6k
2023: €-12k
2024: €-3k
2019 → 2025
Working capital
€117k▲ 3.8%
2024 · €112k
2019: €313k
2020: €369k
2021: €162k
2022: €174k
2023: €109k
2024: €112k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€473k-€479k▲ 1.3%€467k▼ 2.5%€464k▼ 0.7%€449k▼ 3.1%
Operating result€1k-€15k▲ 1,160%€-7k€2k€-12k
Net result€-6k-€6k€-12k€-3k▲ 72.2%€-14k▼ 339%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €12k after €2k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €556k
Fixed assets
€434k▼ 4.1%
Current assets
€121k▲ 2.7%
Equity and liabilities €556k
Equity
€449k▼ 3.1%
Debt
€106k▼ 0.9%
The debt ratio rises from 18.8% to 19.1%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€7k▼
2024 · €8k
Cash flow
€4k▲
2024 · €3k
Solvency
80.9%▼
2024 · 81.2%
Current ratio
25.51▲
2024 · 20.33
Quick ratio
25.51▲
2024 · 20.33
Debt / equity
0.24▲
2024 · 0.23
ROE
-3.2%▼
2024 · -0.7%
ROA
-2.6%▼
2024 · -0.6%
Interest coverage
1.58▼
2024 · 1.88
Debt
€106k▼
2024 · €107k
Debt ≤ 1 year
€5k▼
2024 · €6k
Debt > 1 year
€95k=
2024 · €95k
Income taxes
€979▲
2024 · €958
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€571k€556k▼
Fixed assets21/28€453k€434k▼
Tangible fixed assets22/27€453k€434k▼
Land and buildings22€452k€434k▼
Plant, machinery and equipment23€654€381▼
Current assets29/58€118k€121k▲
Amounts receivable within one year40/41-€752
Other amounts receivable41-€752
Current investments50/53€83k€81k▼
Cash at bank and in hand54/58€31k€36k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€571k€556k▼
Equity10/15€464k€449k▼
Contributions10/11€150k€150k=
Reserves13€314k€299k▼
Distributable reserves133€314k€299k▼
Amounts payable17/49€107k€106k▼
Amounts payable after more than one year17€95k€95k=
Financial debts170/4€95k€95k=
Amounts payable within one year42/48€6k€5k▼
Trade debts44€182€184▲
Suppliers440/4€182€184▲
Taxes, remuneration and social security45€118€120▲
Taxes450/3€118€120▲
Other amounts payable47/48€6k€4k▼
Accrued charges and deferred income492/3€6k€7k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€19k▲
Other operating charges640/8€5k€5k▲
Gross operating margin9900€13k€12k▼
Operating profit (loss)9901€2k€-12k▼
Financial income75/76B-€3k
Recurring financial income75-€3k
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€-2k€-13k▼
Income taxes67/77€958€979▲
Profit (loss) for the period9904€-3k€-14k▼
Profit (loss) for the period to be appropriated9905€-3k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-14k▼
Transfer from equity791/2€3k€14k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
31-03
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series.
2024
15-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 15 days late
31-03
Financial
Liquidity triplescurrent ratio 20.33
Current ratio from 7.93 to 20.33; short-term debt falls from €16k to €6k.
2023
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2022
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
2021
24-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
31-03
Financial
Equity above €500kEq €502k ▲6%
Equity rises from €473k to €502k.
2019
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
17-11
State Gazette act
General meeting · Director resignation
Permanent representative · Director discharge
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2013
18-06
State Gazette act
General meeting · Approval
Director discharge · Director reappointment · Frederic OPSOMER
Financial milestoneState Gazette actNBB 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, Gent · 1 establishment unit since 2000
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.
Cyriel Buyssestraat 99000 GentGround area
832 m²
Building footprint
198 m²
Volume, LiDAR
1,613 m³
Parcel 44809I0539/00T000, Flanders · tallest building 16.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
IRIS
since 20002.099.794.830
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44809I0539/00T000 | Flanders | 832 m² | 1 · 198 m² | 16.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
3 connected companiesNetwork connections
Shared director
→
Shared director
→
Shared director
→
Ownership & control
1 partyPardiaBE 0472.549.950
controls
Where this company holds controlthis company sits on their board1
1 location
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-08-2000
Fiscal year end31-03
Activities, NACEBEL
46412Wholesale of household textiles and bedding
46425Wholesale trade
46498Wholesale trade
47512Retail sale of household textiles and bedding
47722Retail trade
51410
52410
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.