DE PANDER
ActiveThe computed 12-month bankruptcy probability of DE PANDER is 1.5% (moderate). The 2025 annual accounts show equity of €116k and a net result of €12k. Equity is shrinking by ~6% per year across the filed fiscal years. Its solvency ranks better than 69% of 17987 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent▲ +55 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▲+52
Solvency97▲+8
Growth32=
Stability94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 3.12 against 3.5 in 2024), and 43.6% 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 risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
56.4%
Return on assets
5.8%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 29-09-2025 was due by 29-04-2026 and was filed on 27-03-2026, 33 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
33 d early
2024
42 d early
2023
39 d early
2022
32 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 29-09-2026 and is due by 29-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today29-09-2026 close29-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€116k▲ 11.5%
2024 · €104k
2022: €127k
2023: €155k
2024: €104k
2022 → 2025
Total assets
€206k▼ 12.3%
2024 · €235k
2022: €297k
2023: €254k
2024: €235k
2022 → 2025
Net result
€12k
2024 · €-50k
2022: €125k
2023: €28k
2024: €-50k
2022 → 2025
Working capital
€86k▼ 24.9%
2024 · €114k
2022: €195k
2023: €149k
2024: €114k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€127k-€155k▲ 22.1%€104k▼ 32.6%€116k▲ 11.5%
Operating result€158k-€33k▼ 79.3%€-47k€16k
Net result€125k-€28k▼ 77.5%€-50k€12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €47k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €206k
Fixed assets
€80k▲ 6.4%
Current assets
€126k▼ 21.0%
Equity and liabilities €206k
Equity
€116k▲ 11.5%
Debt
€90k▼ 31.3%
The debt ratio falls from 55.6% to 43.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€38k▲
2024 · €-33k
Cash flow
€34k▲
2024 · €-36k
Solvency
56.4%▲
2024 · 44.4%
Current ratio
3.12▼
2024 · 3.50
Quick ratio
1.13▼
2024 · 1.64
Debt / equity
0.77▼
2024 · 1.25
ROE
10.3%▲
2024 · -48.4%
ROA
5.8%▲
2024 · -21.5%
Interest coverage
12.23▲
2024 · -16.61
Debt
€90k▼
2024 · €131k
Debt ≤ 1 year
€41k▼
2024 · €46k
Debt > 1 year
€49k▼
2024 · €85k
Income taxes
€758▼
2024 · €3k
Staff costs
€51k▲
2024 · €48k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€235k€206k▼
Fixed assets21/28€75k€80k▲
Tangible fixed assets22/27€75k€78k▲
Plant, machinery and equipment23€68k€75k▲
Furniture and vehicles24€6k€4k▼
Financial fixed assets28-€2k
Current assets29/58€160k€126k▼
Stocks and contracts in progress3€85k€81k▼
Stocks30/36€85k€81k▼
Amounts receivable within one year40/41€9k€3k▼
Other amounts receivable41€9k€3k▼
Cash at bank and in hand54/58€66k€43k▼
Equity and liabilities
Total equity and liabilities10/49€235k€206k▼
Equity10/15€104k€116k▲
Contributions10/11€2k€2k=
Reserves13€102k€114k▲
Distributable reserves133€102k€114k▲
Profit (loss) carried forward14€267€46▼
Amounts payable17/49€131k€90k▼
Amounts payable after more than one year17€85k€49k▼
Financial debts170/4€85k€49k▼
Amounts payable within one year42/48€46k€41k▼
Current portion of amounts payable after more than one year42€11k€6k▼
Trade debts44€27k€20k▼
Suppliers440/4€27k€20k▼
Taxes, remuneration and social security45€7k€13k▲
Taxes450/3€643€2k▲
Remuneration and social security454/9€6k€10k▲
Other amounts payable47/48€106€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€48k€51k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€22k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€17k€90k▲
Operating profit (loss)9901€-47k€16k▲
Financial income75/76B€835€9▼
Recurring financial income75€835€9▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-48k€13k▲
Income taxes67/77€3k€758▼
Profit (loss) for the period9904€-50k€12k▲
Profit (loss) for the period to be appropriated9905€-50k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-50k€12k▲
Profit (loss) brought forward from the previous period14P€697€267▼
Transfer from equity791/2€50k-
Transfer to equity691/2-€12k
To other reserves6921-€12k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-09
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
18-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-09
Financial
Weakest financial yearnet €-50k ▼280%
Net result drops to €-50k, the lowest in the series; recovery starts the following year.
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-09
Financial
Equity above €150kEq €155k ▲22.1%
2 profitable years in a row build equity to €155k.
29-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Ingelmunster · 1 establishment unit since 2020
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.
Kortrijkstraat 578770 IngelmunsterGround area
780 m²
Building footprint
543 m²
Parcel 36007C0059/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
Kortrijkstraat 57, 8770 Ingelmunster
since 20202.308.629.001
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36007C0059/00D000 | Flanders | 780 m² | 1 · 542 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyIngelmunster2.308.629.001
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Of 10,411 companies in sector 47110 we hold annual accounts for 5,787. 4,533 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2020
Fiscal year end29-09
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47114Supermarkets
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:ginostragier@skynet.be