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PAGAMAT

Active
Private limited companyfounded 2005active for 20 yearsParc Industriel 5, 6870 Saint-Hubert, BelgiumKBO/BCE: BE 0877.233.653
Summary

PAGAMAT has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €499,122 and a net result of €57,239. Equity has been stable since 2019 (±2% per year). Its solvency ranks better than 89% of 1,825 sector peers (NACE 77, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 14-11-2005 Normal situation
Activity
Rental and leasing activities NACE 77320
Establishment unit
2.150.478.221 6870 Saint-Hubert, since 30-11-2005
Financial year end
30 September
Peppol
Reachable since 03-09-2025

Financial position

97 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts to 30-09-2025
Gross margin
€136,800
▲ 22.6%
Turnover
≈ €340,000
estimated
Profit
€57,239
▲ 3.2%
Equity
€499,122
▲ 2.5%
Total assets
€603,605
▲ 4.1%
Filed on 20-03-2026, 41 days before the deadline
Score breakdownlowers riskLiquidity: current ratio 3.86, cash €136,630Equity €499,122 (82.7% of total assets)Founded in 2005Figures for financial year 2025 (filed on 24-03-2026)Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 75% of micro companies in rental and leasing (NACE 77)
Financial strength · tick: 2024
Strong
Solvency 100=
equity 82.7% of total assets
Liquidity 74-2
short-term debt 17.2% · cash 22.6%
Profitability 81=
return on assets 9.5%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (3,169 companies, NACE 77, micro)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026highest value 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026lowest value 11-2026: < 0.1%● unchanged vs 10-2026lowest value
Credit of up to €45,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.86 (3.48 in 2024), above the usual 1.5. Short-term debt is 17.2% and cash 22.6% of total assets. 17.3% 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 (NACE 77, micro). It does better than 92% of them on solvency, 83% on liquidity, 74% on profitability and 50% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskneutral
lowers risk · Liquidity: current ratio 3.86, cash €136,630
NBB · annual accounts
lowers risk · Equity €499,122 (82.7% of total assets)
NBB · annual accounts
lowers risk · Founded in 2005
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Figures for financial year 2025 (filed on 24-03-2026)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-03-2026, 41 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
41 days early
2024
30 days early
2023
40 days early
2022
19 days early
2021
25 days early
2020
3 days early
2019
29 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 18 days before the deadline. In the sector (NACE 77), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 31 March (5 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
30-09-2026 year end02-11-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: More equity than 92% of companies in rental and leasingsector median €45,941 · 1,831 companies €499,122 View
  • Positive: 7 profitable years in a rowprofit 2025: €57,239 7 years View
  • Positive: Filed on time since financial year 2020accounts within the deadline every year 6 years View

Recent changes

  1. · Gazette deed Legal-form change · Name · Resignations & appointmentsChange of role: LEJEUNE Georges Alphonse Joseph, from manager to director · Appointments: MEUNIER Anne-Marie Lucie Ghislaine (director) and LEJEUNE Pablo (director)
  2. · Gazette deed Incorporation
All 13 events

Comparable companies

These companies have the same main activity as PAGAMAT: rental and leasing activities (NACE 77320). They are comparable in size and age: total assets between €450,000 and €811,000, founded between 1998 and 2007.

CompanyTotal assetsGross margin
PAGAMAT Saint-Hubert€603,605€136,800
VMCT La Louvière€695,811€123,273
ALL STYLE Etterbeek€780,582€180,112
D.M.A. SALE & RENT Kruisem€522,608€139,655
BENJAMIN SERVICES Courcelles€449,726€144,238
DIAPOWER Roosdaal€810,563€162,721
Het Heistse Verhuurcenter Heist-op-den-Berg€610,560€139,471
Full comparison

Key facts about PAGAMAT

What is the company number of PAGAMAT?
The company number of PAGAMAT is 0877.233.653. The VAT number is the same number with BE in front: BE 0877.233.653.
Where is PAGAMAT based?
The registered office is at Parc Industriel 5, 6870 Saint-Hubert.Company details
What does PAGAMAT do?
According to the KBO register, the main activity is rental and leasing activities (NACE 77320).
What is the legal form of PAGAMAT?
The legal form of PAGAMAT is Private limited company (BV).
When was PAGAMAT founded?
PAGAMAT was founded on 14-11-2005.
Is PAGAMAT still active?
Yes, PAGAMAT is an active enterprise in the KBO register.
How many employees does PAGAMAT have?
PAGAMAT had an average of 0.3 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
What is the turnover of PAGAMAT?
The turnover in financial year 2025 is ≈ €340,000. This figure is estimated from the gross margin of €136,800 and 2,213 comparable companies of the same size. It probably lies between €230,000 and €530,000. It is a rough estimate.
Is PAGAMAT profitable?
In financial year 2025, PAGAMAT made a profit of €57,239.
Where can I find the annual accounts of PAGAMAT?
PAGAMAT filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of PAGAMAT due?
PAGAMAT must file the annual accounts for financial year 2026 by 30-04-2027.Timeline

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