PANDIMMO
ActiveSummary
PANDIMMO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €408k and a net result of €-600. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 81% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+6
Solvency99▲+3
Growth35=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity short (current ratio 0.96 against 0.36 in 2024; short-term debt: 2.7% and cash: 0.8% of total assets), and 25.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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
12 d late
2024
30 d late
2023
29 d early
2022
3 d late
2021
3 d late
2020
71 d early
2019
3 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€64k▼ 11.5%
2022 · €73k
2022: €73k
2022 → 2023
EBIT margin
28.2%▼ 22.3pp
2022 · 50.6%
2022: 50.6%
2022 → 2023
Net result
€-600
2024 · €2k
2018: €19k
2019: €18k
2020: €1k
2021: €23k
2022: €25k
2023: €11k
2024: €2k
2018 → 2025
Working capital
€-628▲ 97.5%
2024 · €-25k
2018: €-88k
2020: €-79k
2021: €-75k
2022: €-71k
2024: €-25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€73k€64k▼ 11.5%
Equity€372k-€396k▲ 6.6%€407k▲ 2.7%€409k▲ 0.4%€408k▼ 0.1%
Operating result€38k-€37k▼ 2.5%€18k▼ 50.6%€9k▼ 48.8%€5k▼ 49.3%
Net result€23k-€25k▲ 8.4%€11k▼ 55.7%€2k▼ 85.6%€-600
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 49% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €548k
Fixed assets
€534k ▼ 4.6%
Current assets
€14k ▲ 0.9%
Equity and liabilities €548k
Equity
€408k ▼ 0.1%
Debt
€140k ▼ 15.1%
Debt's share of the balance-sheet total falls from 28.8% to 25.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€30k▼
2024 · €35k
Cash flow
€25k▼
2024 · €27k
Current ratio
0.96▲
2024 · 0.36
Debt to equity
0.34▼
2024 · 0.40
ROE
-0.1%▼
2024 · 0.4%
ROA
-0.1%▼
2024 · 0.3%
Interest coverage
5.72▲
2024 · 4.91
Debt ≤ 1 year
€15k▼
2024 · €39k
Debt > 1 year
€125k=
2024 · €125k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€574k€548k▼
Fixed assets21/28€560k€534k▼
Tangible fixed assets22/27€560k€534k▼
Land and buildings22€560k€534k▼
Current assets29/58€14k€14k▲
Amounts receivable within one year40/41€11k€10k▼
Other amounts receivable41€11k€10k▼
Cash at bank and in hand54/58€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€574k€548k▼
Equity10/15€409k€408k▼
Contributions10/11€321k€321k=
Capital10€321k€321k=
Issued capital100€334k€334k=
Uncalled capital101€12k€12k=
Reserves13€4k€4k=
Non-distributable reserves130/1€4k€4k=
Legal reserve130€4k€4k=
Profit (loss) carried forward14€83k€83k▼
Amounts payable17/49€165k€140k▼
Amounts payable after more than one year17€125k€125k=
Financial debts170/4€125k€125k=
Amounts payable within one year42/48€39k€15k▼
Current portion of amounts payable after more than one year42€4k-
Taxes, remuneration and social security45€4k€471▼
Taxes450/3€4k€471▼
Other amounts payable47/48€30k€14k▼
Accrued charges and deferred income492/3€985-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€26k=
Other operating charges640/8€8k€8k▲
Gross operating margin9900€43k€38k▼
Operating profit (loss)9901€9k€5k▼
Financial charges65/66B€7k€5k▼
Recurring financial charges65€7k€5k▼
Profit (loss) for the period before taxes9903€2k€-600▼
Income taxes67/77€589-
Profit (loss) for the period9904€2k€-600▼
Profit (loss) for the period to be appropriated9905€2k€-600▼
Appropriation of the result
Profit (loss) to be appropriated9906€83k€83k▼
Profit (loss) brought forward from the previous period14P€82k€83k▲
Transfer to equity691/2€79-
To the legal reserve6920€79-
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
2026
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
31-12
Financial
Weakest financial yearnet €-600 ▼138%
Net result drops to €-600, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
31-12
Financial
Highest result since 2018net €25k ▲8.4%
Net result €25k, the highest in the series.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
21-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2018
01-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Elsene
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.
Florencestraat 261050 ElseneGround area
161 m²
Building footprint
103 m²
Volume, LiDAR
1,077 m³
Parcel 21447A0334/00S018, Brussels · tallest building 17.0 m, ±4 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447A0334/00S018 | Brussels | 161 m² | 1 · 103 m² | 17.0 m · 4 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.
Similar companies · same sector, comparable size
MAN ON THE MOON
BE 0861.773.041
Keerbergen · Eq €408,450
YES CONCEPT
BE 0870.775.928
Elsene · Eq €408,482
CALIECO
BE 0634.554.303
Kasterlee · Eq €408,512
J.A.A.L.C.
BE 0451.726.624
Mons · Eq €408,023
VERGA
BE 0423.900.391
Pelt · Eq €407,934
Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 5,052 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-07-2007
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.