Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
Financials
Financial year 2025
PAM et Cie from Charleroi, company number BE0461537777, closed financial year 2025 with a result of € -90,883 after tax. For that financial year PAM et Cie recorded a gross margin of € 88,921 and equity of € 1.2 million. Compared with financial year 2024, the result moved from € -85,097 to € -90,883. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on March 31, 2026.
€ 1.2 million
▼ 7% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -90,883
▼ 7 % more loss than in 2024
Profit after tax over the fiscal year.
€ 269,592
▲ 19% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 578,242.
People and assets in 2025
€ 51,050
▼ 32% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 73,918
▼ 13% vs 2024
€ 11,478 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 198
▼ 82% vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 78,872 | € 76,072 | € 87,052 | € 88,921 | ▲ 2% |
| Profit after taxes | € -95,121 | € -96,476 | € -85,097 | € -90,883 | ▼ € 5,786 |
| Equity | € 1,469,298 | € 1,372,822 | € 1,287,725 | € 1,196,842 | ▼ 7% |
| Total debts | € 112,833 | € 97,144 | € 86,787 | € 74,115 | ▼ 15% |
| Cash | € 211,401 | € 253,261 | € 226,506 | € 269,592 | ▲ 19% |
| Land & buildings | € 1,006,012 | € 958,182 | € 933,840 | € 894,058 | ▼ 4% |
| Retained profit | € 850,698 | € 754,222 | € 669,125 | € 578,242 | ▼ 14% |
| Bank debt | € 106,492 | € 95,935 | € 85,080 | € 73,918 | ▼ 13% |
| Balance sheet total | € 1,777,850 | € 1,656,889 | € 1,554,838 | € 1,444,685 | ▼ 7% |
Key figures of PAM et Cie, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to PAM et Cie?
What happened at PAM et Cie in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 90,883. Source: NBB ↗
- ANGELINA IULIANO became a director. NBB
- PATRICK MARECHAL became a director. NBB
- New establishment in Charleroi. KBO
- Start of the company according to the CBE. KBO
In short
From € 95,121 loss in 2022 to € 90,883 loss in 2025.
Paid € 40,722 in corporate taxes since 2022.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind PAM et Cie are ANGELINA IULIANO and PATRICK MARECHAL. It owns 48% of COURTIERS PARTENAIRES SRL itself.
Directors
According to the 2025 annual accounts
since 2019
PATRICK MARECHAL
Director
since 2019
Establishments
Establishment units
Physical locations of this company
Rue Chausteur 81
6042 Charleroi
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0461.537.777
- VAT number
- BE 0461.537.777
- Registered office
- Rue Chausteur 81, 6042 Charleroi
- Names & denominations
- PAM et Cie
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 September 1997
- Peppol
- Active · Active since 3 Dec 2025
- Contact
- nag.be [email protected] 071/381220