Pardimmo
ActiveSummary
Pardimmo has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €745k and a net result of €5k. Equity remains stable across the filed fiscal years (±0.4% per year). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability69▼-1
Solvency79▼-3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 2.65 against 10.6 in 2024; short-term debt: 10.7% and cash: 5.2% of total assets), and 46% 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 · 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
54%
Return on assets
0.4%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
14 d late
2024
1 d early
2023
1 d early
2022
31 d early
2021
27 d early
2020
1 d early
2019
30 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€745k▲ 0.7%
2024 · €740k
2018: €779khighest in 8 years
2019: €771k▼ -1.0% vs 2018
2020: €714k▼ -7.4% vs 2019lowest in 8 years
2021: €732k▲ +2.5% vs 2020
2022: €717k▼ -2.0% vs 2021
2023: €729k▲ +1.7% vs 2022
2024: €740k▲ +1.5% vs 2023
2025: €745k▲ +0.7% vs 2024
2018 → 2025
Total assets
€1.38M▲ 6.0%
2024 · €1.30M
2018: €979k
2019: €961k▼ -1.8% vs 2018lowest in 8 years
2020: €1.40M▲ +45.5% vs 2019highest in 8 years
2021: €1.38M▼ -1.4% vs 2020
2022: €1.39M▲ +0.5% vs 2021
2023: €1.33M▼ -4.1% vs 2022
2024: €1.30M▼ -2.2% vs 2023
2025: €1.38M▲ +6.0% vs 2024
2018 → 2025
Net result
€5k▼ 53.1%
2024 · €11k
2018: €490khighest in 8 years
2019: €-8k▼ -102% vs 2018
2020: €-57k▼ -638% vs 2019lowest in 8 years
2021: €18k▲ +131% vs 2020
2022: €-15k▼ -185% vs 2021
2023: €12k▲ +182% vs 2022
2024: €11k▼ -12.9% vs 2023
2025: €5k▼ -53.1% vs 2024
2018 → 2025
Working capital
€243k▼ 31.6%
2024 · €356k
2018: €750khighest in 8 years
2019: €743k▼ -0.8% vs 2018
2020: €451k▼ -39.3% vs 2019
2021: €474k▲ +5.1% vs 2020
2022: €357k▼ -24.6% vs 2021
2023: €358k▲ +0.3% vs 2022
2024: €356k▼ -0.8% vs 2023
2025: €243k▼ -31.6% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€732k-€717k▼ 2.0%€729k▲ 1.7%€740k▲ 1.5%€745k▲ 0.7%
2021: €732k
2022: €717k▼ -2.0% vs 2021lowest in 5 years
2023: €729k▲ +1.7% vs 2022
2024: €740k▲ +1.5% vs 2023
2025: €745k▲ +0.7% vs 2024highest in 5 years
Operating result€18k-€-16k€16k€16k▼ 5.2%€4k▼ 75.6%
2021: €18khighest in 5 years
2022: €-16k▼ -192% vs 2021lowest in 5 years
2023: €16k▲ +202% vs 2022
2024: €16k▼ -5.2% vs 2023
2025: €4k▼ -75.6% vs 2024
Net result€18k-€-15k€12k€11k▼ 12.9%€5k▼ 53.1%
2021: €18khighest in 5 years
2022: €-15k▼ -185% vs 2021lowest in 5 years
2023: €12k▲ +182% vs 2022
2024: €11k▼ -12.9% vs 2023
2025: €5k▼ -53.1% vs 2024
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 two years in a row; 2025 is 76% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.38M
Fixed assets
€989k ▲ 8.9%
Current assets
€391k ▼ 0.5%
Equity and liabilities €1.38M
Equity
€745k ▲ 0.7%
Provisions
€143k ▼ 3.9%
Debt
€492k ▲ 19.2%
Debt's share of the balance-sheet total rises from 31.7% to 35.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€34k▼
2024 · €45k
Cash flow
€36k▼
2024 · €40k
Current ratio
2.65▼
2024 · 10.60
Debt to equity
0.66▲
2024 · 0.56
ROE
0.7%▼
2024 · 1.4%
ROA
0.4%▼
2024 · 0.8%
Interest coverage
6.19▼
2024 · 7.73
Debt ≤ 1 year
€147k▲
2024 · €37k
Debt > 1 year
€343k▼
2024 · €376k
Income taxes
€9k▲
2024 · €7k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.30M€1.38M▲
Fixed assets21/28€909k€989k▲
Tangible fixed assets22/27€835k€915k▲
Land and buildings22€834k€915k▲
Plant, machinery and equipment23€497€192▼
Financial fixed assets28€74k€74k=
Current assets29/58€393k€391k▼
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Amounts receivable within one year40/41€25k€18k▼
Other amounts receivable41€25k€18k▼
Current investments50/53€299k€299k=
Cash at bank and in hand54/58€67k€72k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.30M€1.38M▲
Equity10/15€740k€745k▲
Contributions10/11€174k€174k=
Capital10€174k€174k=
Issued capital100€174k€174k=
Reserves13€566k€571k▲
Non-distributable reserves130/1€12k€13k▲
Legal reserve130€12k€13k▲
Tax-exempt reserves132€446k€429k▼
Distributable reserves133€108k€130k▲
Provisions and deferred taxes16€149k€143k▼
Deferred taxes168€149k€143k▼
Amounts payable17/49€413k€492k▲
Amounts payable after more than one year17€376k€343k▼
Financial debts170/4€371k€337k▼
Other amounts payable178/9€4k€6k▲
Amounts payable within one year42/48€37k€147k▲
Current portion of amounts payable after more than one year42€35k€35k▲
Trade debts44€545€907▲
Suppliers440/4€545€907▲
Taxes, remuneration and social security45€2k€7k▲
Taxes450/3€2k€7k▲
Other amounts payable47/48€401€104k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€31k▲
Other operating charges640/8€8k€9k▲
Gross operating margin9900€53k€44k▼
Operating profit (loss)9901€16k€4k▼
Financial income75/76B€2k€10k▲
Recurring financial income75€2k€10k▲
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€12k€8k▼
Transfer from deferred taxes780€6k€6k▼
Income taxes67/77€7k€9k▲
Profit (loss) for the period9904€11k€5k▼
Transfer from tax-exempt reserves789€17k€17k▼
Profit (loss) for the period to be appropriated9905€28k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€22k▼
Transfer to equity691/2€28k€22k▼
To the legal reserve6920€1k€1k▼
To other reserves6921€27k€21k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €32k | €0 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28k | €28k | €32k | €30k | €31k | ▲ 3.8% |
| Other operating charges640/8 | €6k | €33k | €8k | €8k | €9k | ▲ 19.0% |
| Gross operating margin9900 | €52k | €45k | €56k | €53k | €44k | ▼ 17.3% |
| Operating profit (loss)9901 | €18k | €-16k | €16k | €16k | €4k | ▼ 75.6% |
| Financial income75/76B | €981 | €981 | €4k | €2k | €10k | ▲ 356% |
| Recurring financial income75 | €981 | €981 | €4k | €2k | €10k | ▲ 356% |
| Financial charges65/66B | €6k | €4k | €13k | €6k | €6k | ▼ 4.7% |
| Recurring financial charges65 | €6k | €4k | €13k | €6k | €6k | ▼ 4.7% |
| Profit (loss) for the period before taxes9903 | €13k | €-20k | €8k | €12k | €8k | ▼ 33.4% |
| Transfer from deferred taxes780 | €5k | €5k | €5k | €6k | €6k | ▼ 0.7% |
| Income taxes67/77 | €212 | €239 | €244 | €7k | €9k | ▲ 23.9% |
| Profit (loss) for the period9904 | €18k | €-15k | €12k | €11k | €5k | ▼ 53.1% |
| Transfer from tax-exempt reserves789 | €14k | €14k | €14k | €17k | €17k | ▼ 0.7% |
| Profit (loss) for the period to be appropriated9905 | €32k | €-479 | €27k | €28k | €22k | ▼ 20.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.38M | €1.39M | €1.33M | €1.30M | €1.38M | ▲ 6.0% |
| Fixed assets21/28 | €866k | €982k | €935k | €909k | €989k | ▲ 8.9% |
| Tangible fixed assets22/27 | €777k | €892k | €861k | €835k | €915k | ▲ 9.6% |
| Land and buildings22 | €776k | €891k | €860k | €834k | €915k | ▲ 9.7% |
| Plant, machinery and equipment23 | €1k | €1k | €1k | €497 | €192 | ▼ 61.4% |
| Financial fixed assets28 | €89k | €89k | €74k | €74k | €74k | = |
| Current assets29/58 | €513k | €405k | €395k | €393k | €391k | ▼ 0.5% |
| Amounts receivable after more than one year29 | €30k | €30k | €15k | €0 | - | - |
| Other amounts receivable291 | €30k | €30k | €15k | €0 | - | - |
| Amounts receivable within one year40/41 | €27k | €27k | €27k | €25k | €18k | ▼ 28.2% |
| Other amounts receivable41 | €27k | €27k | €27k | €25k | €18k | ▼ 28.2% |
| Current investments50/53 | €299k | €299k | €299k | €299k | €299k | = |
| Cash at bank and in hand54/58 | €156k | €48k | €52k | €67k | €72k | ▲ 7.4% |
| Deferred charges and accrued income490/1 | €2k | €2k | €2k | €2k | €2k | ▲ 8.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.38M | €1.39M | €1.33M | €1.30M | €1.38M | ▲ 6.0% |
| Equity10/15 | €732k | €717k | €729k | €740k | €745k | ▲ 0.7% |
| Contributions10/11 | €174k | €174k | €174k | €174k | €174k | = |
| Capital10 | €174k | €174k | €174k | €174k | €174k | = |
| Issued capital100 | €174k | €174k | €174k | €174k | €174k | = |
| Reserves13 | €558k | €543k | €556k | €566k | €571k | ▲ 0.9% |
| Non-distributable reserves130/1 | €9k | €9k | €10k | €12k | €13k | ▲ 9.5% |
| Legal reserve130 | €9k | €9k | €10k | €12k | €13k | ▲ 9.5% |
| Tax-exempt reserves132 | €492k | €478k | €464k | €446k | €429k | ▼ 3.9% |
| Distributable reserves133 | €57k | €56k | €82k | €108k | €130k | ▲ 19.6% |
| Provisions and deferred taxes16 | €164k | €159k | €155k | €149k | €143k | ▼ 3.9% |
| Deferred taxes168 | €164k | €159k | €155k | €149k | €143k | ▼ 3.9% |
| Amounts payable17/49 | €483k | €510k | €446k | €413k | €492k | ▲ 19.2% |
| Amounts payable after more than one year17 | €444k | €461k | €410k | €376k | €343k | ▼ 8.8% |
| Financial debts170/4 | €440k | €457k | €406k | €371k | €337k | ▼ 9.4% |
| Other amounts payable178/9 | €5k | €4k | €4k | €4k | €6k | ▲ 41.8% |
| Amounts payable within one year42/48 | €39k | €47k | €36k | €37k | €147k | ▲ 298% |
| Current portion of amounts payable after more than one year42 | €29k | €36k | €34k | €35k | €35k | ▲ 1.0% |
| Trade debts44 | €3k | €2k | €395 | €545 | €907 | ▲ 66.3% |
| Suppliers440/4 | €3k | €2k | €395 | €545 | €907 | ▲ 66.3% |
| Taxes, remuneration and social security45 | €212 | €451 | €0 | €2k | €7k | ▲ 367% |
| Taxes450/3 | €212 | €451 | €0 | €2k | €7k | ▲ 367% |
| Other amounts payable47/48 | €7k | €9k | €2k | €401 | €104k | ▲ 25,955% |
| Accrued charges and deferred income492/3 | - | €2k | €0 | - | €2k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18k | €-15k | €12k | €11k | €5k | ▼ 53.1% |
| + Depreciation and write-downs630 | €28k | €28k | €32k | €30k | €31k | ▲ 3.8% |
| Operating cash flow (approximation) | €45k | €13k | €44k | €40k | €36k | ▼ 11.3% |
| Investment in fixed assets (approximation) | - | €-144k | €15k | €-3k | €-111k | ▼ 3,732% |
| Change in cash | - | €-108k | €4k | €15k | €5k | ▼ 66.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 14 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €18k
Net result €18k after 2 loss-making years.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-57k
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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 1946
Ground area
2,768 m²
Building footprint
710 m²
Volume, LiDAR
5,886 m³
2 parcels, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
Vaartdijk 5, 3018 Leuven
since 19462.002.930.333
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24038D0241/00P002 | Flanders | 2,421 m² | 1 · 363 m² | 8.7 m · 3 fl. |
| 24038C0171/00M007 | Flanders | 347 m² | 1 · 347 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPublic limited company
Founded01-01-1968
Fiscal year end31-12
Scores and ratios are computed by Checked and are not a credit decision.