PARDICO
ActiveSummary
PARDICO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-6k) and a net result of €14k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▲+31
Solvency19▲+4
Growth58=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.93 against 0.9 in 2024; short-term debt: 105.5% and cash: 29.7% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
-5.5%
Return on assets
11.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 8001 sector peers (2025).
NBB · sector comparisonPosition among 8001 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
29 d late
2023
30 d late
2022
10 d late
2021
24 d late
2020
9 d late
2019
24 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
Equity
€-6k▲ 68.0%
2024 · €-20k
2018: €5k
2019: €-21k
2020: €-39k
2021: €-41k
2022: €-16k
2023: €-19k
2024: €-20k
2018 → 2025
Total assets
€115k▼ 44.9%
2024 · €208k
2018: €411k
2019: €396k
2020: €440k
2021: €399k
2022: €296k
2023: €180k
2024: €208k
2018 → 2025
Net result
€14k
2024 · €-1k
2018: €-6k
2019: €-26k
2020: €-18k
2021: €-2k
2022: €20k
2023: €-2k
2024: €-1k
2018 → 2025
Working capital
€-8k▲ 62.4%
2024 · €-22k
2018: €-3k
2019: €-28k
2020: €-46k
2021: €-48k
2022: €-22k
2023: €-20k
2024: €-22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-41k-€-16k▲ 60.7%€-19k▼ 15.0%€-20k▼ 7.4%€-6k▲ 68.0%
Operating result€-2k-€23k€-2k€-3k▼ 63.9%€14k
Net result€-2k-€20k€-2k€-1k▲ 43.3%€14k
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 returns to profit in 2025: €14k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €115k
Fixed assets
€2k =
Current assets
€113k ▼ 45.2%
Key figures and ratios
Solvency
-5.5%▲
2024 · -9.6%
Current ratio
0.93▲
2024 · 0.90
Debt to equity
-19.03▼
2024 · -11.46
ROA
11.8%▲
2024 · -0.7%
Debt
€121k▼
2024 · €228k
Debt ≤ 1 year
€121k▼
2024 · €228k
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€208k€115k▼
Fixed assets21/28€2k€2k=
Financial fixed assets28€2k€2k=
Current assets29/58€207k€113k▼
Stocks and contracts in progress3€24k-
Stocks30/36€24k-
Amounts receivable within one year40/41€99k€79k▼
Trade receivables40€98k€79k▼
Other amounts receivable41€252-
Cash at bank and in hand54/58€85k€34k▼
Equity and liabilities
Total equity and liabilities10/49€208k€115k▼
Equity10/15€-20k€-6k▲
Contributions10/11€12k€12k=
Outside capital11€12k€12k=
Other1109/19€12k€12k=
Profit (loss) carried forward14€-32k€-19k▲
Amounts payable17/49€228k€121k▼
Amounts payable within one year42/48€228k€121k▼
Trade debts44€193k€101k▼
Suppliers440/4€193k€101k▼
Advances received on contracts in progress46€1k-
Taxes, remuneration and social security45-€3k
Taxes450/3-€3k
Other amounts payable47/48€34k€18k▼
Income statement
Code20242025
Other operating charges640/8€387€400▲
Gross operating margin9900€-3k€14k▲
Operating profit (loss)9901€-3k€14k▲
Financial income75/76B€3k-
Recurring financial income75€3k-
Financial charges65/66B€1k€483▼
Recurring financial charges65€1k€483▼
Profit (loss) for the period before taxes9903€-1k€14k▲
Profit (loss) for the period9904€-1k€14k▲
Profit (loss) for the period to be appropriated9905€-1k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-32k€-19k▲
Profit (loss) brought forward from the previous period14P€-31k€-32k▼
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
31-12
Financial
Back to profitnet €20k
Net result €20k after 4 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
31-12
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Wemmel · 1 establishment unit since 2016
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.
de Limburg Stirumlaan 2501780 WemmelGround area
4,299 m²
Building footprint
1,110 m²
Volume, LiDAR
10,332 m³
Parcel 22662B1011/00C000, Flanders · tallest building 13.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Sweet Line
since 20162.254.917.626
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B1011/00C000 | Flanders | 4,298 m² | 1 · 1,110 m² | 13.9 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.
Similar companies · same sector, comparable size
PYRAMID PRODUCTS
BE 1003.781.338
Herk-de-Stad · Eq €5,075
PHYTAL - CREA
BE 0442.018.409
Nazareth-De Pinte · Eq €5,347
Y & S Forever
BE 0716.766.751
Nivelles · Eq €4,958
ART OF SENSE
BE 0801.658.973
Schilde · Eq €5,518
HERSELF
BE 0644.440.185
Sint-Katelijne-Waver · Eq €4,850
Of 798 companies in sector 46450 we hold annual accounts for 452. 136 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 formPrivate limited company (pre-2019)
Founded11-07-2016
Fiscal year end31-12
Activities, NACEBEL 2025
46450Wholesale of perfume and cosmetics
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.