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APOTHEEK PANORAMA KERMT

Active
Public limited companyfounded 1991active for 35 yearsDiestersteenweg 172, 3510 Hasselt, BelgiumKBO/BCE: BE 0444.300.679
Summary

APOTHEEK PANORAMA KERMT has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35,162 and a net result of €1,751. Equity is growing by about 6.8% per year across the filed financial years. The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow ReportCompare
APOTHEEK PANORAMA KERMTActiveChecked score 88/100
Risk analysis ReportCompare

Overview

Activity
“Het waarnemen van het beheer in andere vennootschappen” (deed in Dutch)
From the articles, 4 activitiesNo NACE code in the KBO yet1 site
Size
≈ €51,000turnover 2025, estimated
Equity
€35,162
Profit
€1,751
Turnover estimated from the gross marginEquity -91%: branch of activity transferred
Financial health
88 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
Parent
GROEP PANORAMA APOTHEKEN · 100%
Auditor: Panorama Operations2025 accounts filed 13 days late3 of 10 deeds summarised
Why 88raises riskEquity €35,162 (6.0% of total assets)Liquidity: current ratio 1.03, cash €20,591, halvedlowers riskSize: total assets €584,634Figures for financial year 2025 (filed 13-08-2026)Show the evidence

Checked score

Score 2025
88 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 15% of its sector peers (no NACE code, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 31-28
equity 6.0% of total assets
Liquidity 4-56
short-term debt 92.9% · cash 3.5%
Profitability 38+14
return on assets 0.3%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.4%▲ +0.2 percentage points vs 07-2025 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.5%▲ +0.1 percentage points vs 05-2026 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 1.2%▲ +0.7 percentage points vs 07-2026highest value 09-2026: 0.1%▼ -1.1 percentage points vs 08-2026lowest value 10-2026: 0.1%● unchanged vs 09-2026lowest value
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.03, compared with 1.7 in 2024, below the usual 1.5; short-term debt: 92.9% and cash: 3.5% of total assets), and 94% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 20% on solvency, 7% on liquidity, 30% on profitability and 4% on growth.

The bankruptcy probability was computed on 30-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €584,634
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed 13-08-2026)
NBB · annual accounts
raises risk · Equity €35,162 (6.0% of total assets)
NBB · annual accounts
raises risk · Liquidity: current ratio 1.03, cash €20,591, halved
NBB · annual accounts
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
13 days late
2024
1 day early
2023
12 days early
2022
11 days early
2021
5 days late
2020
1 day early
2019
31 days early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 5 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
31-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Back to profitnet €1,751
  3. Annual accounts filedfinancial year 2024 · abbreviated…

Key points

  • Equity fell in 2025branch of activity transferred to Panorama Operations ▼ 91.2% View
  • Controlled by GROEP PANORAMA APOTHEKEN 100% View
  • Branch transferred to Panorama Operationscontribution on 05-03-2025 2025 View

By topic

Financials

Financial year
2025
Total assets
€584,634
Profit
€1,751
Solvency
6.0%
Total assets▼ 50.6%
Net result
20182025
Go to Financials

Board & ownership

Board
1 member
Parent
GROEP PANORAMA APOTHEKEN · 100%
Auditor
Panorama Operations
  • GROEP PANORAMA APOTHEKENDirector
Go to Board & ownership

Timeline

Events
41
Since
1993
Next accounts
by 31-07-2027
  1. 03-06-2025Restructuring · Miscellaneous
  2. 17-03-2025Restructuring
  3. 31-12-2024Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Founded
31-05-1991
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
17
Annual meeting
Third Friday of June at 11:00
Purpose
“Het waarnemen van het beheer in andere vennootschappen; De exploitatie,huur en verhuur van…” (deed in Dutch)
Go to Articles of association

Key facts about APOTHEEK PANORAMA KERMT

What is the company number of APOTHEEK PANORAMA KERMT?
0444.300.679. In Belgium the VAT number is the company number with BE in front: BE 0444.300.679.
Where is APOTHEEK PANORAMA KERMT based?
The registered office is at Diestersteenweg 172, 3510 Hasselt.Company details
What is the legal form of APOTHEEK PANORAMA KERMT?
Public limited company (NV).
When was APOTHEEK PANORAMA KERMT founded?
On 31-05-1991.
Is APOTHEEK PANORAMA KERMT still active?
Yes, APOTHEEK PANORAMA KERMT is an active enterprise in the KBO register.
How many employees does APOTHEEK PANORAMA KERMT have?
On average 1.8 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of APOTHEEK PANORAMA KERMT?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is APOTHEEK PANORAMA KERMT profitable?
In financial year 2025, APOTHEEK PANORAMA KERMT made a profit of €1,751.
Where can I find the annual accounts of APOTHEEK PANORAMA KERMT?
APOTHEEK PANORAMA KERMT filed 34 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of APOTHEEK PANORAMA KERMT due?
By 31-07-2027, for financial year 2026.Timeline

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