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KRUISPUNTAPOTHEEK PANORAMA

Active
Private limited companyfounded 2005active for 21 yearsBaalsebaan 220, 3128 Tremelo, BelgiumKBO/BCE: BE 0876.804.477

From the official registers: KBO 20 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

KRUISPUNTAPOTHEEK PANORAMA has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€24,668) and a net result of -€25,837. Equity fluctuates too strongly from year to year to read a trend from it. The computed 12-month bankruptcy probability is 1.3% (low).

Overview

Official details

KBO
Status
Active since 13-10-2005 Normal situation
Activity
“Het voeren van alle activiteiten die normaal behoren tot deze van de uitbating van…” (deed in Dutch)From the articles, 4 activitiesNo NACE code in the KBO yet
Establishment unit
2.207.293.990 3128 Tremelo, since 01-04-2012
Financial year end
31 December
Peppol
Reachable since 01-12-2025

Board and ownership

Board
  • Groep Panorama Apotheken BVDirector · since 31-12-2018

Financial position

52 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.3%
Annual accounts 2025
Gross margin
€811
▼ 99.6%
Turnover
≈ €5,500
estimated
Loss
€25,837
Equity
-€24,668
Total assets
€184,517
▼ 61.3%
Total assets -61%: restructuring
Filed on 31-07-2026, on timeat the National Bank
Score breakdownraises riskCapped at 59: negative equityLoss of €25,837 (financial year 2025)Negative equity -€24,668Liquidity: current ratio 0.01, cash €2,570, halvedlowers riskSize: total assets €184,517Show the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 6% of micro companies without a NACE code
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Weak
Solvency 12-13
equity -13.4% of total assets
Liquidity 2-44
short-term debt 110.8% · cash 1.4%
Profitability 1-85
return on assets -14.0%
Bankruptcy probability within 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 2.5% 12-2024: 2.5%● unchanged vs 11-2024 01-2025: 2.5%● unchanged vs 12-2024 02-2025: 2.5%● unchanged vs 01-2025 03-2025: 2.5%● unchanged vs 02-2025 04-2025: 2.5%● unchanged vs 03-2025 05-2025: 2.6%▲ +0.1 percentage points vs 04-2025 06-2025: 2.7%▲ +0.1 percentage points vs 05-2025highest value 07-2025: 2.7%● unchanged vs 06-2025 08-2025: 1.2%▼ -1.5 percentage points vs 07-2025 09-2025: 1.2%● unchanged vs 08-2025 10-2025: 1.2%● unchanged vs 09-2025 11-2025: 1.2%● unchanged vs 10-2025 12-2025: 1.1%▼ -0.1 percentage points vs 11-2025lowest value 01-2026: 1.1%● unchanged vs 12-2025lowest value 02-2026: 1.1%● unchanged vs 01-2026lowest value 03-2026: 1.1%● unchanged vs 02-2026lowest value 04-2026: 1.1%● unchanged vs 03-2026 05-2026: 1.1%● unchanged vs 04-2026 06-2026: 1.2%▲ +0.1 percentage points vs 05-2026 07-2026: 1.2%● unchanged vs 06-2026 08-2026: 1.3%▲ +0.1 percentage points vs 07-2026 09-2026: 1.3%● unchanged vs 08-2026 10-2026: 1.3%● unchanged vs 09-2026
No credit on open account
Liquidity is insufficient, with a current ratio of 0.01 (0.67 in 2024), below 1. Short-term debt is 110.8% and cash 1.4% of total assets. Equity is negative.
Calculation

The band follows from the bankruptcy probability. 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). It does better than 11% of them on solvency, 5% on liquidity, 9% on profitability and 0% on growth.

The bankruptcy probability was computed on 31-10-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €184,517
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Loss of €25,837 (financial year 2025)
NBB · annual accounts
raises risk · Negative equity -€24,668
NBB · annual accounts
raises risk · Liquidity: current ratio 0.01, cash €2,570, halved
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€24,668
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
on the day
2024
1 day early
2023
12 days early
2022
4 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

The company filed its last 7 accounts on average 6 days before the deadline. The Belgian median for financial year 2024 was 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 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€24,668 View
  • Caution: From profit to loss in 2025after a profit of €64,788 in 2024 -€25,837 View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

Documents

Annual accounts at the NBB

All 20 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about KRUISPUNTAPOTHEEK PANORAMA

What is the company number of KRUISPUNTAPOTHEEK PANORAMA?
The company number of KRUISPUNTAPOTHEEK PANORAMA is 0876.804.477. The VAT number is the same number with BE in front: BE 0876.804.477.
Where is KRUISPUNTAPOTHEEK PANORAMA based?
The registered office is at Baalsebaan 220, 3128 Tremelo.Company details
What is the legal form of KRUISPUNTAPOTHEEK PANORAMA?
The legal form of KRUISPUNTAPOTHEEK PANORAMA is Private limited company (BV).
When was KRUISPUNTAPOTHEEK PANORAMA founded?
KRUISPUNTAPOTHEEK PANORAMA was founded on 13-10-2005.
Is KRUISPUNTAPOTHEEK PANORAMA still active?
Yes, KRUISPUNTAPOTHEEK PANORAMA is an active enterprise in the KBO register.
How many employees does KRUISPUNTAPOTHEEK PANORAMA have?
KRUISPUNTAPOTHEEK PANORAMA had an average of 1 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of KRUISPUNTAPOTHEEK PANORAMA?
The turnover in financial year 2025 is ≈ €5,500. This figure is estimated from the gross margin of €811 and 2,694 comparable companies of the same size. It probably lies between €2,300 and €14,000. It is a rough estimate. In financial year 2019 turnover was €2.2m.
Is KRUISPUNTAPOTHEEK PANORAMA profitable?
In financial year 2025, KRUISPUNTAPOTHEEK PANORAMA made a loss of €25,837.
Where can I find the annual accounts of KRUISPUNTAPOTHEEK PANORAMA?
KRUISPUNTAPOTHEEK PANORAMA filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of KRUISPUNTAPOTHEEK PANORAMA due?
KRUISPUNTAPOTHEEK PANORAMA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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