Skip to content

Parfimo

Active
Public limited companyfounded 196956 yrs activeMerksplassesteenweg 18, 2310 Rijkevorsel, BelgiumKBO/BCE: BE 0406.968.844

Parfimo has been active since 1969 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €4.10M and a net result of €428k. Equity remains stable across the filed fiscal years (±0% per year). The computed 12-month bankruptcy probability is 0.5% (very low).

Checked score

Score 2024
76 / 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability52▼-48
Solvency92▲+7
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €310k at 30 days acceptable
Liquidity ample (current ratio 1.86 against 1.75 in 2023), but 50.4% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
elevated failure risk from 2 to 8 years 56 years 0 60 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
49.6%
Return on assets
5.2%
Age of the figures
20 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 18-06-2025, 43 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
43 d early
2023
28 d early
2022
26 d early
2021
27 d early
2020
36 d early
2019
3 d late
← before the deadline after the deadline →
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2024, abbreviated schema

Equity
€4.10M=
2023 · €4.10M
2018: €4.09M 2019: €4.09M 2020: €4.09M 2021: €4.09M 2022: €4.10M 2023: €4.10M
2018 → 2024
Total assets
€8.27M▼ 6.8%
2023 · €8.87M
2018: €7.74M 2019: €5.01M 2020: €4.92M 2021: €6.46M 2022: €9.21M 2023: €8.87M
2018 → 2024
Net result
€428k▼ 58.1%
2023 · €1.02M
2018: €264k 2019: €436k 2020: €751k 2021: €985k 2022: €1.76M 2023: €1.02M
2018 → 2024
Working capital
€3.58M▲ 0.5%
2023 · €3.56M
2018: €1.58M 2019: €3.25M 2020: €3.46M 2021: €4.14M 2022: €3.52M 2023: €3.56M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20202021202220232024Trend
Equity€4.09M-€4.09M=€4.10M=€4.10M▲ 0.1%€4.10M=
Operating result€1.02M-€1.33M▲ 29.7%€2.36M▲ 78.2%€1.43M▼ 39.3%€612k▼ 57.3%
Net result€751k-€985k▲ 31.1%€1.76M▲ 78.3%€1.02M▼ 41.9%€428k▼ 58.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
€0€1.00M€2.00MOperating result 2020: €1.02M€1.02MNet result 2020: €751k€751kOperating result 2021: €1.33M€1.33MNet result 2021: €985k€985kOperating result 2022: €2.36M€2.36MNet result 2022: €1.76M€1.76MOperating result 2023: €1.43M€1.43MNet result 2023: €1.02M€1.02MOperating result 2024: €612k€612kNet result 2024: €428k€428k20202021202220232024
The operating result has fallen two years in a row; 2024 is 57% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €8.27M
Fixed assets €533k▼ 4.2%
Current assets €7.73M▼ 6.9%
Equity and liabilities €8.27M
Equity €4.10M=
Debt €4.17M▼ 12.6%
The debt ratio falls from 53.8% to 50.4%: debt is paid down.
Key figures and ratios
2024 value · change against 2023
EBITDA
€635k
2023 · €1.46M
Cash flow
€451k
2023 · €1.04M
Solvency
49.6%
2023 · 46.2%
Current ratio
1.86
2023 · 1.75
Quick ratio
0.09
2023 · 0.19
Debt / equity
1.02
2023 · 1.16
ROE
10.4%
2023 · 24.9%
ROA
5.2%
2023 · 11.5%
Interest coverage
15.35
2023 · 20.48
Debt
€4.17M
2023 · €4.77M
Debt ≤ 1 year
€4.16M
2023 · €4.75M
Income taxes
€143k
2023 · €340k
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€8.87M€8.27M
Fixed assets21/28€556k€533k
Tangible fixed assets22/27€556k€533k
Other tangible fixed assets26€556k€533k
Current assets29/58€8.31M€7.73M
Stocks and contracts in progress3€7.39M€7.36M
Stocks30/36€7.39M€7.36M
Amounts receivable within one year40/41€749k€20k
Trade receivables40€739k€3k
Other amounts receivable41€10k€17k
Cash at bank and in hand54/58€167k€348k
Deferred charges and accrued income490/1€2k€1k
Equity and liabilities
Total equity and liabilities10/49€8.87M€8.27M
Equity10/15€4.10M€4.10M=
Contributions10/11€1.45M€1.45M=
Capital10€1.45M€1.45M=
Issued capital100€1.45M€1.45M=
Reserves13€2.65M€2.65M
Non-distributable reserves130/1€145k€145k=
Legal reserve130€145k€145k=
Distributable reserves133€2.51M€2.51M
Amounts payable17/49€4.77M€4.17M
Amounts payable within one year42/48€4.75M€4.16M
Financial debts43€500k-
Credit institutions430/8€500k-
Trade debts44€186€1k
Suppliers440/4€186€1k
Advances received on contracts in progress46-€91k
Other amounts payable47/48€4.25M€4.07M
Accrued charges and deferred income492/3€15k€9k
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€23k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€5k-
Other operating charges640/8€1k€3k
Non-recurring operating charges66A€210-
Gross operating margin9900€1.46M€638k
Operating profit (loss)9901€1.43M€612k
Financial charges65/66B€71k€41k
Recurring financial charges65€71k€41k
Profit (loss) for the period before taxes9903€1.36M€571k
Income taxes67/77€340k€143k
Profit (loss) for the period9904€1.02M€428k
Profit (loss) for the period to be appropriated9905€1.02M€428k
Appropriation of the result
Profit (loss) to be appropriated9906€1.02M€428k
Transfer to equity691/2€2k€2k
To other reserves6921€2k€2k
Profit to be distributed694/7€1.02M€426k
Return on contributions (dividend)694€1.02M€426k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

2025
18-06
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
03-07
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-07
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial Highest result since 2018net €1.76M ▲78.3%
Operating result €2.36M, net result €1.76M, both a record.
04-07
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-06
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
03-08
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema · 3 days late
2019
31-12
Financial Liquidity triplescurrent ratio 4.54
Current ratio from 1.43 to 4.54; short-term debt falls from €3.64M to €916k.
24-06
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-06
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-07
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
14-06
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
under verification, no change since 2023
This board is reconstructed from a single act (23469795). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
DE KEYSER Hendrik Adriaan
Director · since 21-12-2023
Current
GROEP DE KEYSER
Director · since 21-12-2023 · Public limited company · perm. rep.: DE KEYSER Wendy
Current
MINTEN Michaël Gaston Marcel
Director · since 21-12-2023
Current
SAVEC
Director · since 21-12-2023 · Private limited company · perm. rep.: DE KEYSER Sven
Current
21-12-2023 DE KEYSER Hendrik Adriaan: Appointed as Director
21-12-2023 GROEP DE KEYSER: Appointed as Director
21-12-2023 MINTEN Michaël Gaston Marcel: Appointed as Director
21-12-2023 SAVEC: Appointed as Director
Location & real-estate footprint
Registered office, Rijkevorsel · 1 establishment unit since 1969
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.

Merksplassesteenweg 182310 Rijkevorsel
Ground area
9,032 m²
Building footprint
1,213 m²
Volume, LiDAR
8,993 m³
Parcel 13502D0033/00L002, Flanders · tallest building 8.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PARFIMO
Merksplassesteenweg 18, 2310 RijkevorselInsurance, reinsurance and pension funding, except compulsory social security
since 19692.003.897.462
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
13502D0033/00L002 Flanders 9,032 m² 1 · 1,212 m² 8.4 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.

Company data · Crossroads Bank

Identification
Legal formPublic limited company
Founded24-12-1969
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.