5PANOTS
5PANOTS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €175k and a net result of €69k. Equity is growing by ~69.6% per year across the filed fiscal years. Its solvency ranks better than 78% of 1205 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €175k |
| Net result | €69k |
| Better than sector | 78% |
| Active | 2 yrs |
Strong profile, led by profitability.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 77.1% | 47.4% | |
| Net result | €69k | €43k | |
| Equity | €175k | €84k | |
| Gross operating margin | €94k | €70k | |
| Staff costs | €64 | €8k |
| Fiscal year | 2025 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €69k |
| Cash flow | n/a |
| Staff costs | €64 |
| Income taxes | €18k |
| Dividends | - |
| Total assets | €228k |
| Equity | €175k |
| Debt | €52k |
| of which ≤ 1y | €52k |
| of which > 1y | - |
| Working capital | n/a |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 77.1% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 30.5% |
| ROE | 39.6% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €228k |
| Fixed assets | 21/28 | €3k |
| Tangible fixed assets | 22/27 | €3k |
| Current assets | 29/58 | €224k |
| Amounts receivable within one year | 40/41 | €2k |
| Cash & bank | 54/58 | €222k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €228k |
| Equity | 10/15 | €175k |
| Contributions / capital | 10/11 | €2k |
| Accumulated profits (losses) | 14 | €173k |
| Amounts payable | 17/49 | €52k |
| Amounts payable within one year | 42/48 | €52k |
| Trade debts payable within one year | 44 | €430 |
| Income statement | ||
| Gross operating margin | 9900 | €94k |
| Operating result | 9901 | €91k |
| Financial charges | 65 | €3k |
| Result before taxes | 9903 | €88k |
| Income taxes | 67/77 | €18k |
| Net result for the period | 9904 | €69k |
| Result to be appropriated | 9905 | €69k |
| NACE primary | Financial services(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 19-07-2023 |
| Status | Active |
| Postal code | 2820 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12005D0228/00E002 | Flanders | 908 m² | 1 · 189 m² | - |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
17-10-2025 Registered office moved within Bonheiden
- Kasseiweg 14, 2820 Bonheiden → Dorstveld 1, 2820 Bonheiden
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "statutaire",
"new_address": {
"city": "Bonheiden",
"region": null,
"street": "Dorstveld",
"country": "BE",
"postcode": "2820",
"box_number": null,
"street_number": "1"
},
"old_address": {
"city": "Bonheiden",
"region": null,
"street": "Kasseiweg",
"country": "BE",
"postcode": "2820",
"box_number": null,
"street_number": "14"
},
"effective_date": "2025-01-08",
"evidence_quote": "De verplaatsing van het adres van de maatschappelijke zetel naar het volgende adres: Dorstveld 1-2820 Bonheiden met ingang vanaf 8 januari 2025."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0804.142.767",
"name_full": "5PANOTS",
"legal_form": "BV"
}
}24-07-2023 Incorporation of a new BV
Technical details
{
"kind": "oprichting",
"seat": "Kasseiweg 14, 2820 Bonheiden",
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"founders": [
{
"org": null,
"kind": "natural_person",
"person": {
"dob": null,
"name": "DE SMEDT David",
"niss": null,
"address": "3140 Keerbergen, Emiel Opdebeecklaan 53"
},
"share_class": "Ordinary",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 2000,
"holder_person_name": "DE SMEDT David",
"is_subscriber_only": true,
"n_shares_subscribed": 200,
"amount_subscribed_eur": 2000,
"is_anonymous_silent_partner": false
}
],
"capital_eur": 2000,
"subject_company": {
"kbo": "0804.142.767",
"name_full": "5PANOTS",
"legal_form": "BV"
},
"initial_directors": [],
"incorporation_date": "2023-07-19",
"post_incorporation_mandates": []
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameNL | 5PANOTS |