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Michaël Pandelaers

Active
Private limited companyfounded 2019active for 7 yearsDorpvaart 42A, 9180 Lokeren, BelgiumKBO/BCE: BE 0727.726.068
Summary

Michaël Pandelaers has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €145,692 and a net result of €194,696. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 76% of 15,784 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 04-06-2019 Normal situation
Activity
Activities of lawyers NACE 69101
Establishment unit
2.290.113.976 9180 Lokeren, since 04-06-2019
Financial year end
31 December
Peppol
Reachable since 13-11-2024

Board and ownership

Board
  • PANDELAERS MICHAËLDirector

Financial position

98 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€256,767
▼ 21.8%
Turnover
≈ €440,000
estimated
Profit
€194,696
▼ 21.7%
Equity
€145,692
▲ 48.6%
Total assets
€184,154
▼ 65.4%
Score breakdownraises risk1 change of registered office in 24 monthslowers riskLiquidity: current ratio 4.62, cash €134,583, halvedSector: Legal and accounting activities (NACE 69)Size: total assets €184,154Show the evidence

Checked score

Score 2025
98 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 84% of micro companies in legal and accounting (NACE 69)
Financial strength · tick: 2024
Strong
Solvency 100+57
equity 79.1% of total assets
Liquidity 93+38
short-term debt 20.9% · cash 73.1%
Profitability 100=
return on assets 105.7%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median < 0.1% (20,088 companies, NACE 69, micro)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025lowest value 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: 0.1%▲ +0.1 percentage points vs 04-2026highest value 06-2026: 0.1%● unchanged vs 05-2026 07-2026: < 0.1%▼ -0.1 percentage points vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €14,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.62 (1.22 in 2024), above the usual 1.5. Short-term debt is 20.9% and cash 73.1% of total assets. 20.9% of the assets are financed with debt and provisions.
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 (NACE 69, micro). It does better than 87% of them on solvency, 87% on liquidity, 82% on profitability and 79% on growth.

The bankruptcy probability was computed on 03-11-2026 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

Five signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 4.62, cash €134,583, halved
NBB · annual accounts
lowers risk · Sector: Legal and accounting activities (NACE 69)
KBO
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
lowers risk · Size: total assets €184,154
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
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 01-06-2026, 60 days ahead of the deadline.
NBB · 7 filings
Deviation from the deadline
2025
60 days early
2024
45 days early
2023
58 days early
2022
47 days early
2021
46 days early
2020
33 days early
2019
24 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 45 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed 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 14 June (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
03-11-2026 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

  • Positive: Higher net result than 92% of companies in legal and accountingsector median €37,433 · 15,786 companies €194,696 View
  • Positive: Always filed on timeaccounts within the deadline every year 7 years View
  • Positive: 7 profitable years in a rowprofit 2025: €194,696 7 years View

Recent changes

  1. · Gazette deed Registered office moved from Lochristi to LokerenNew seat: 9180 Lokeren, Dorpvaart 42A · Previous seat: 9185 Lochristi, Sint-Franciesdijk 42
  2. · Gazette deed Incorporation
All 14 events

Comparable companies

These companies have the same main activity as Michaël Pandelaers: activities of lawyers (NACE 69101). They are comparable in size and age: total assets between €180,000 and €220,000, founded between 2019 and 2020.

CompanyTotal assetsGross margin
Michaël Pandelaers Lokeren€184,154€256,767
EXCELSIOR LEGAL SERVICES Ukkel€185,649€260,387
LV AVOCAT Charleroi€179,653€254,981
MARIE-EVE CLOSSEN AVOCAT Fernelmont€212,761€252,070
ADVOCATENKANTOOR KRUIJEN Elsene€184,467€244,845
Arnaut Kint Avocat Elsene€209,708€265,195
ANNA PATERAKI Hoeilaart€219,920€253,370
Full comparison

Key facts about Michaël Pandelaers

What is the company number of Michaël Pandelaers?
The company number of Michaël Pandelaers is 0727.726.068. The VAT number is the same number with BE in front: BE 0727.726.068.
Where is Michaël Pandelaers based?
The registered office is at Dorpvaart 42A, 9180 Lokeren.Company details
What does Michaël Pandelaers do?
According to the KBO register, the main activity is activities of lawyers (NACE 69101).
What is the legal form of Michaël Pandelaers?
The legal form of Michaël Pandelaers is Private limited company (BV).
When was Michaël Pandelaers founded?
Michaël Pandelaers was founded on 04-06-2019.
Is Michaël Pandelaers still active?
Yes, Michaël Pandelaers is an active enterprise in the KBO register.
What is the turnover of Michaël Pandelaers?
The turnover in financial year 2025 is ≈ €440,000. This figure is estimated from the gross margin of €256,767 and 35 comparable companies (NACE 69). It probably lies between €370,000 and €500,000.Financials
Is Michaël Pandelaers profitable?
In financial year 2025, Michaël Pandelaers made a profit of €194,696.
Where can I find the annual accounts of Michaël Pandelaers?
Michaël Pandelaers filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Michaël Pandelaers due?
Michaël Pandelaers must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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