Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 42 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
STUDIEBUREAU PALMERS from Kapellen, company number BE0508631673, closed financial year 2025 with a result of € 3,342 after tax. For that financial year STUDIEBUREAU PALMERS recorded a gross margin of € 465,365 and equity of € 90,737. Compared with financial year 2024, the result moved from € -54,405 to € 3,342. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on January 29, 2026.
€ 90,737
▲ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 3,342
▲ still € 54,405 loss in 2024
Profit after tax over the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 83,487.
People and assets in 2025
5.9
▼ 0.9 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 299,069
▼ 23% vs 2024
€ 50,700 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 13,436
▲ 91% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1 million
▼ 8% vs 2024
€ 117,856 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 160,369
▲ 32% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 81,341
▼ 7% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 433,086 | € 495,968 | € 445,139 | € 465,365 | ▲ 5% |
| Profit after taxes | € -27,652 | € 36,466 | € -54,405 | € 3,342 | ▲ € 57,747 |
| Equity | € 105,335 | € 141,801 | € 87,396 | € 90,737 | ▲ 4% |
| Total debts | € 1,481,869 | € 1,385,570 | € 1,382,368 | € 1,414,016 | ▲ 2% |
| Cash | € 77,567 | € 24,949 | € 25,354 | - | |
| Land & buildings | € 1,199,553 | € 1,133,958 | € 1,066,806 | € 999,655 | ▼ 6% |
| Retained profit | € 98,085 | € 134,551 | € 80,146 | € 83,487 | ▲ 4% |
| Bank debt | € 1,202,333 | € 1,088,466 | € 1,095,233 | € 1,012,028 | ▼ 8% |
| Balance sheet total | € 1,587,204 | € 1,527,370 | € 1,469,764 | € 1,504,753 | ▲ 2% |
| Employees (FTE) | 6.7 | 6.7 | 6.8 | 5.9 | ▼ 0.9 |
Key figures of STUDIEBUREAU PALMERS, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to STUDIEBUREAU PALMERS?
What happened at STUDIEBUREAU PALMERS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 3,342. Source: NBB ↗
- Bart Odilon Palmers became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 27,652 loss in 2022 to € 3,342 profit in 2025.
Paid € 2,044 in corporate taxes since 2022.
Best year ever: 2023, with € 36,466 profit.
On average € 78,900 of value added per employee in 2025.
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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
The stake of TOPO KEYS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
STUDIEBUREAU PALMERSBehind STUDIEBUREAU PALMERS is Bart Odilon Palmers. The shares are held by TOPO KEYS (50%).
Directors
According to the 2025 annual accounts
since 2012
Shareholders
50%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Hoevensebaan 48
2950 Kapellen
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0508.631.673
- VAT number
- BE 0508.631.673
- Registered office
- Hoevensebaan 48, 2950 Kapellen
- Names & denominations
- STUDIEBUREAU PALMERS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 20 December 2012
- Peppol
- Active · Active since 13 Apr 2026
- Activities · NACE
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