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MICKAËL PANCHOUT

Active
Private limited companyfounded 2017active for 9 yearsRue de Henri-Chapelle 12, 4651 Herve, BelgiumKBO/BCE: BE 0674.677.758
Summary

MICKAËL PANCHOUT has been active since 2017 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €221,925 and a net result of €11,664. Equity has been growing by about 21% per year since 2018. Its solvency ranks better than 57% of 13,741 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Official details

Source: KBO
Status
Active since 20-04-2017 Normal situation
Activity
Wholesale of wines and spirits NACE 46341and 2 others
Establishment unit
2.365.365.091 4651 Herve, since 20-04-2017
Financial year end
31 December
Peppol
Reachable since 04-12-2025

Board and ownership

Board

Financial position

87 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Annual accounts 2025
Gross margin
€37,074
▼ 25.6%
Turnover
≈ €290,000
estimated
Profit
€11,664
▼ 35.7%
Equity
€221,925
▲ 5.5%
Total assets
€451,292
▲ 5.1%
  • 2025 accounts filed 28 days after the deadline
Score breakdownraises riskLast filed accounts filed 28 days late; 1 of the last 3 accounts latelowers riskLiquidity: current ratio 1.97, cash €62,947Equity €221,925 (49.2% of total assets)Size: total assets €451,292Show the evidence

Checked score

Score 2025
87 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 53% of micro companies in wholesale trade (NACE 46)
Financial strength · tick: 2024
Strong
Solvency 74=
equity 49.2% of total assets
Liquidity 42-3
short-term debt 50.1% · cash 13.9%
Profitability 72-2
return on assets 2.6%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,899 companies, NACE 46, micro)
Last 24 months 12-2024: 0.9% 01-2025: 0.8%▼ -0.1 percentage points vs 12-2024 02-2025: 0.8%● unchanged vs 01-2025 03-2025: 0.8%● unchanged vs 02-2025 04-2025: 0.8%● unchanged vs 03-2025 05-2025: 0.9%▲ +0.1 percentage points vs 04-2025 06-2025: 0.8%▼ -0.1 percentage points vs 05-2025 07-2025: 0.8%● unchanged vs 06-2025 08-2025: 1.2%▲ +0.4 percentage points vs 07-2025highest value 09-2025: 0.5%▼ -0.7 percentage points vs 08-2025 10-2025: 0.5%● unchanged vs 09-2025 11-2025: 0.5%● unchanged vs 10-2025 12-2025: 0.5%● unchanged vs 11-2025 01-2026: 0.5%● unchanged vs 12-2025 02-2026: 0.5%● unchanged vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 0.8%▲ +0.3 percentage points vs 07-2026 09-2026: 0.3%▼ -0.5 percentage points vs 08-2026 10-2026: 0.3%● unchanged vs 09-2026lowest value 11-2026: 0.3%● unchanged vs 10-2026lowest value
Credit of up to €19,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.97 (1.95 in 2024), above the usual 1.5. Short-term debt is 50.1% and cash 13.9% of total assets. However, 50.8% 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 46, micro). It does better than 57% of them on solvency, 40% on liquidity, 57% on profitability and 56% on growth.

The bankruptcy probability was computed on 02-11-2026 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 risk
raises risk · Last filed accounts filed 28 days late; 1 of the last 3 accounts late
NBB · filings
lowers risk · Liquidity: current ratio 1.97, cash €62,947
NBB · annual accounts
lowers risk · Equity €221,925 (49.2% of total assets)
NBB · annual accounts
lowers risk · Size: total assets €451,292
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 · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 9 filings
Deviation from the deadline
2025
28 days late
2024
22 days late
2023
61 days late
2022
151 days late
2021
26 days late
2020
92 days late
2019
91 days late
← 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 67 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% 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 28 August (4 of the last 5 accounts filed within 34 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: 8 profitable years in a rowprofit 2025: €11,664 8 years View
  • Positive: More equity than 80% of companies in wholesale tradesector median €56,596 · 13,771 companies €221,925 View

Recent changes

  1. · Gazette deed Change of role: Mickaël PANCHOUT, from manager to director
  2. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as MICKAËL PANCHOUT: wholesale of wines and spirits (NACE 46341). They are comparable in size and age: total assets between €380,000 and €654,000, founded between 2016 and 2018.

CompanyTotal assetsGross margin
MICKAËL PANCHOUT Herve€451,292€37,074
MAVI WINES Knokke-Heist€438,841€47,002
DELVINO Bonheiden€494,802€26,230
WINE@HEART Ranst€379,841€47,451
MELOVINJA WIJNIMPORT Stekene€511,033€46,392
CityVini Ukkel€416,367€18,541
OLIVINO Zedelgem€654,493€46,057
Full comparison

Key facts about MICKAËL PANCHOUT

What is the company number of MICKAËL PANCHOUT?
The company number of MICKAËL PANCHOUT is 0674.677.758. The VAT number is the same number with BE in front: BE 0674.677.758.
Where is MICKAËL PANCHOUT based?
The registered office is at Rue de Henri-Chapelle 12, 4651 Herve.Company details
What does MICKAËL PANCHOUT do?
According to the KBO register, the main activity is wholesale of wines and spirits (NACE 46341).
What is the legal form of MICKAËL PANCHOUT?
The legal form of MICKAËL PANCHOUT is Private limited company (BV).
When was MICKAËL PANCHOUT founded?
MICKAËL PANCHOUT was founded on 20-04-2017.
Is MICKAËL PANCHOUT still active?
Yes, MICKAËL PANCHOUT is an active enterprise in the KBO register.
What is the turnover of MICKAËL PANCHOUT?
The turnover in financial year 2025 is ≈ €290,000. This figure is estimated from the gross margin of €37,074 and 35 comparable companies (NACE 463). It probably lies between €140,000 and €620,000.Financials
Is MICKAËL PANCHOUT profitable?
In financial year 2025, MICKAËL PANCHOUT made a profit of €11,664.
Where can I find the annual accounts of MICKAËL PANCHOUT?
MICKAËL PANCHOUT filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of MICKAËL PANCHOUT due?
MICKAËL PANCHOUT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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