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La Paneterie

Active
Private limited companyfounded 200322 yrs activeChemin des Tuileries 4, 7030 Mons, BelgiumKBO/BCE: BE 0862.020.291
Summary

La Paneterie has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €82,531 and a net result of €17,528. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 16076 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
La PaneterieActiveChecked score 91/100
Risk analysis ReportCompare

Overview

Activity
Renting and operating of own or leased non-residential real estate, excluding land
NACE 68203
1 site
Size
€1.5mtotal assets 2025
Equity
€82,531
Profit
€17,528
Turnover not published (abridged schema)
Financial health
91 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Holdings
2
Accounts filed 24 d late0 of 4 deeds read
Why 91- Equity €82,531 (5.6% of total assets)- Liquidity: current ratio 0.64, cash €53,024+ Size: total assets €1.5m+ Figures for FY 2025 (filed 24-08-2026)Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Better than 52% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 31+1
equity 5.6% of total assets
Liquidity 55+3
short-term debt 9.1% · cash 3.6%
Profitability 42+5
return on assets 1.2%
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).

Sector median 0.3% (26,362 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.3%● 0.0% vs 12-2024 02-2025: 0.3%▲ +5.3% vs 01-2025 03-2025: 0.3%● 0.0% vs 02-2025 04-2025: 0.3%▲ +1.0% vs 03-2025 05-2025: 0.3%▲ +11.0% vs 04-2025 06-2025: 0.4%▲ +6.6% vs 05-2025 07-2025: 0.5%▲ +31.2% vs 06-2025 08-2025: 0.2%▼ -63.8% vs 07-2025 09-2025: 0.2%● 0.0% vs 08-2025 10-2025: 0.2%● 0.0% vs 09-2025 11-2025: 0.2%● 0.0% vs 10-2025 12-2025: 0.2%● 0.0% vs 11-2025 01-2026: 0.2%● 0.0% vs 12-2025 02-2026: 0.2%▲ +4.1% vs 01-2026 03-2026: 0.2%● 0.0% vs 02-2026 04-2026: 0.2%▼ -0.6% vs 03-2026 05-2026: 0.2%▲ +12.0% vs 04-2026 06-2026: 0.2%▲ +0.5% vs 05-2026 07-2026: 0.2%▲ +12.7% vs 06-2026 08-2026: 0.5%▲ +123% vs 07-2026highest value 09-2026: 0.1%▼ -72.2% vs 08-2026lowest value 10-2026: 0.1%● 0.0% vs 09-2026lowest value
  • Size: total assets €1.5m lowers the probability for this profile
  • Equity €82,531 (5.6% of total assets) raises the probability
  • Figures for FY 2025 (filed 24-08-2026) lowers the probability
  • Liquidity: current ratio 0.64, cash €53,024 raises the probability
Credit up to €7,000 at 30 days acceptable
Liquidity short (current ratio 0.64 against 0.65 in 2024; short-term debt: 9.1% and cash: 3.6% of total assets), and 94.4% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 26%, liquidity 64%, profitability 38%, growth against the median 79%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €1.5m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Equity €82,531 (5.6% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 24-08-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.64, cash €53,024
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
24 d late
2024
on the day
2023
13 d late
2022
30 d late
2021
29 d late
2020
30 d late
2019
31 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 22 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 24 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Back to profitnet €17,528
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Among the largest 17% on total assetssector median €409,833 · 16,081 companies €1.5m View
  • Total assets 20256 fiscal years filed €1.5m View
  • Active since 2003founded 04-12-2003 22 years View

By topic

Financials

Fiscal year
2025
Total assets
€1.5m
Profit
€17,528
Solvency
5.6%
Total assets▲ 11.1%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-07-2027
  1. 24-08-2026Annual accounts filed
  2. 31-12-2025Back to profit
  3. 31-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Renting and operating of own or leased non-residential…NACE 68203
Founded
04-12-2003
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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