PAMIRO
ActivePAMIRO has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €26k and a net result of €-2k. Equity is shrinking by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 43% of 18942 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2024
53
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability67▼-19
Solvency46▲+5
Growth58=
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.63 against 0.65 in 2023; short-term debt: 68.8% and cash: 23.8% of total assets), and 78.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
21.1%
Return on assets
-1.5%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
2 d early
2022
3 d early
2021
16 d early
2020
11 d early
2019
24 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€26k▼ 6.7%
2023 · €28k
2018: €39k
2019: €30k
2020: €10k
2021: €43k
2022: €59k
2023: €28k
2018 → 2024
Total assets
€124k▼ 28.0%
2023 · €171k
2018: €128k
2019: €129k
2020: €113k
2021: €106k
2022: €157k
2023: €171k
2018 → 2024
Net result
€-2k
2023 · €24k
2018: €-37k
2019: €-9k
2020: €-20k
2021: €33k
2022: €16k
2023: €24k
2018 → 2024
Working capital
€-32k▲ 27.2%
2023 · €-43k
2018: €3k
2019: €-46k
2020: €-57k
2021: €-12k
2022: €-17k
2023: €-43k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€10k-€43k▲ 337%€59k▲ 36.5%€28k▼ 52.4%€26k▼ 6.7%
Operating result€-18k-€36k€21k▼ 42.0%€29k▲ 40.9%€3k▼ 90.9%
Net result€-20k-€33k€16k▼ 52.7%€24k▲ 52.4%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 91% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €124k
Fixed assets
€70k▼ 22.1%
Current assets
€53k▼ 34.4%
Equity and liabilities €124k
Equity
€26k▼ 6.7%
Debt
€97k▼ 32.1%
The debt ratio falls from 83.7% to 78.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€27k▼
2023 · €45k
Cash flow
€22k▼
2023 · €40k
Solvency
21.1%▲
2023 · 16.3%
Current ratio
0.63▼
2023 · 0.65
Quick ratio
0.54▼
2023 · 0.57
Debt / equity
3.74▼
2023 · 5.14
ROE
-7.1%▼
2023 · 85.6%
ROA
-1.5%▼
2023 · 14.0%
Interest coverage
6.04▼
2023 · 9.24
Debt
€97k▼
2023 · €144k
Debt ≤ 1 year
€85k▼
2023 · €125k
Debt > 1 year
€12k▼
2023 · €19k
Income taxes
€322▼
2023 · €543
Staff costs
€107k=
2023 · €107k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€171k€124k▼
Fixed assets21/28€90k€70k▼
Tangible fixed assets22/27€73k€53k▼
Plant, machinery and equipment23€6k€9k▲
Furniture and vehicles24€44k€26k▼
Other tangible fixed assets26€23k€19k▼
Financial fixed assets28€17k€17k=
Current assets29/58€81k€53k▼
Stocks and contracts in progress3€10k€8k▼
Stocks30/36€10k€8k▼
Amounts receivable within one year40/41€35k€9k▼
Trade receivables40€14k€0▼
Other amounts receivable41€21k€9k▼
Current investments50/53€992€992=
Cash at bank and in hand54/58€27k€29k▲
Deferred charges and accrued income490/1€8k€6k▼
Equity and liabilities
Total equity and liabilities10/49€171k€124k▼
Equity10/15€28k€26k▼
Contributions10/11€19k€19k=
Reserves13€17k€17k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€17k€17k=
Profit (loss) carried forward14€-8k€-10k▼
Amounts payable17/49€144k€97k▼
Amounts payable after more than one year17€19k€12k▼
Financial debts170/4€19k€12k▼
Amounts payable within one year42/48€125k€85k▼
Current portion of amounts payable after more than one year42€6k€8k▲
Trade debts44€32k€28k▼
Suppliers440/4€32k€28k▼
Advances received on contracts in progress46€705€955▲
Taxes, remuneration and social security45€26k€18k▼
Taxes450/3€10k€7k▼
Remuneration and social security454/9€17k€11k▼
Other amounts payable47/48€59k€30k▼
Accrued charges and deferred income492/3€216€129▼
Income statement
Code20232024
Remuneration, social security and pensions62€107k€107k=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€24k▲
Other operating charges640/8€8k€9k▲
Non-recurring operating charges66A€3k€0▼
Gross operating margin9900€164k€144k▼
Operating profit (loss)9901€29k€3k▼
Financial income75/76B€232€271▲
Recurring financial income75€232€271▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€24k€-2k▼
Income taxes67/77€543€322▼
Profit (loss) for the period9904€24k€-2k▼
Profit (loss) for the period to be appropriated9905€24k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-10k▼
Profit (loss) brought forward from the previous period14P€-32k€-8k▲
Transfer from equity791/2€55k€0▼
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€55k€0▼
Return on contributions (dividend)694€55k€0▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €33k
Net result €33k after 3 loss-making years.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
23-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Leuven · 1 establishment unit since 1989
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.
Muntstraat 113000 LeuvenGround area
91 m²
Building footprint
105 m²
Volume, LiDAR
922 m³
Parcel 24502B0885/00C000, Flanders · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
QUO VADIS
since 19892.043.126.638
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24502B0885/00C000 | Flanders | 91 m² | 1 · 105 m² | 13.0 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteLeuven2.043.126.638
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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 4,060 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-1989
Fiscal year end31-12
Activities, NACEBEL
55301
55401
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.