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ONDERNEMING PANIS

Active
Private limited companyfounded 1990active for 36 yearsHoelbeekstraat 83, 3746 Bilzen-Hoeselt, BelgiumKBO/BCE: BE 0441.441.555
Summary

ONDERNEMING PANIS has been active since 1990 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€29,444) and a net result of €29,150. Equity has been shrinking by about 27% per year since 2018. Its solvency ranks better than 10% of 17,001 sector peers (NACE 56, financial year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Overview

Official details

Source: KBO
Status
Active since 10-09-1990 Normal situation
Activity
Full-service restaurants NACE 56111
Joint committee
302 Paritair Comité voor het hotelbedrijf · annual accounts 2025
Establishment unit
2.049.631.576 3746 Bilzen-Hoeselt, since 27-09-1990
Financial year end
31 December
Peppol
Reachable since 01-04-2026

Board and ownership

Board

Financial position

56 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.2%
Annual accounts 2025
Gross margin
€50,530
▲ 214%
Turnover
≈ €160,000
estimated
Profit
€29,150
Equity
-€29,444
▲ 49.7%
Total assets
€27,021
▲ 157%
Employees on 31-12-2025
1
=
  • Negative equity on 31-12-2025
Score breakdownraises riskCapped at 59: negative equitySector: Food and beverage service activities (NACE 56)Negative equity -€29,444lowers riskFounded in 1990Size: total assets €27,021Show the evidence

Checked score

Score 2025
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 51% of micro companies in food and beverage service (NACE 56)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Weak
Solvency 0=
equity -109.0% of total assets
Liquidity 24+24
short-term debt 209.0% · cash 18.8%
Profitability 100+100
return on assets 107.9%
Bankruptcy probability within 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 1.8% (23,783 companies, NACE 56, micro)
Last 24 months 12-2024: 2.1% 01-2025: 2.1%● unchanged vs 12-2024 02-2025: 2.1%● unchanged vs 01-2025 03-2025: 2.1%● unchanged vs 02-2025 04-2025: 2.1%● unchanged vs 03-2025 05-2025: 2.1%● unchanged vs 04-2025 06-2025: 2.0%▼ -0.1 percentage points vs 05-2025 07-2025: 2.4%▲ +0.4 percentage points vs 06-2025 08-2025: 2.8%▲ +0.4 percentage points vs 07-2025 09-2025: 2.8%● unchanged vs 08-2025 10-2025: 4.3%▲ +1.5 percentage points vs 09-2025highest value 11-2025: 4.3%● unchanged vs 10-2025highest value 12-2025: 4.3%● unchanged vs 11-2025highest value 01-2026: 4.3%● unchanged vs 12-2025highest value 02-2026: 4.3%● unchanged vs 01-2026highest value 03-2026: 4.3%● unchanged vs 02-2026 04-2026: 4.3%● unchanged vs 03-2026 05-2026: 4.2%▼ -0.1 percentage points vs 04-2026 06-2026: 4.1%▼ -0.1 percentage points vs 05-2026 07-2026: 1.2%▼ -2.9 percentage points vs 06-2026lowest value 08-2026: 1.2%● unchanged vs 07-2026lowest value 09-2026: 1.2%● unchanged vs 08-2026lowest value 10-2026: 1.2%● unchanged vs 09-2026lowest value 11-2026: 1.2%● unchanged vs 10-2026lowest value
No credit on open account
Liquidity is insufficient, with a current ratio of 0.4 (0.13 in 2024), below 1. Short-term debt is 209% and cash 18.8% 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 (NACE 56, micro). It does better than 9% of them on solvency, 19% on liquidity, 93% on profitability and 81% 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

Six signals.
lowers riskraises riskneutral
raises risk · Sector: Food and beverage service activities (NACE 56)
KBO
lowers risk · Founded in 1990
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Negative equity -€29,444
NBB · annual accounts
lowers risk · Size: total assets €27,021
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 · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 17001 sector peers (2025).
NBB · sector comparison
Position among 17001 sector peers
Solvency
better than 10%
← weakest strongest →
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
31 days early
2024
48 days late
2023
55 days early
2022
56 days early
2021
61 days early
2020
61 days early
2019
28 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 35 days before the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% 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 7 June (4 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
04-11-2026 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 -€29,444 View
  • Caution: Lower solvency than 90% of companies in food and beverage servicesector median 29.6% · 17,001 companies -109.0% View

Recent changes

  1. · Gazette deed 2 directors appointed, 1 director resigningResignation: Kellens Wouter (director) · Appointments: Sandra Mewissen (director) and Haesevoets Luc (director)
  2. · Gazette deed Resignation: KELLENS Wouter (director)Reappointment: KELLENS Wouter (director)
  3. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as ONDERNEMING PANIS: full-service restaurants (NACE 56111). They are comparable in size and age: total assets between €24,000 and €31,500, founded between 1986 and 1999.

CompanyTotal assetsGross margin
ONDERNEMING PANIS Bilzen-Hoeselt€27,021€50,530
L'AQUARELLE Brussel€27,046€44,374
LE MODERNE Florennes€28,654€56,296
RESTAURANT JONKMAN Berlare€24,005€42,762
K.K.O. Leopoldsburg€30,009€43,903
LA TAVERNETTA Sint-Gillis (bij-Brussel)€31,501€43,944
DEAUVILLE Leuven€25,152€64,628
Full comparison

Key facts about ONDERNEMING PANIS

What is the company number of ONDERNEMING PANIS?
The company number of ONDERNEMING PANIS is 0441.441.555. The VAT number is the same number with BE in front: BE 0441.441.555.
Where is ONDERNEMING PANIS based?
The registered office is at Hoelbeekstraat 83, 3746 Bilzen-Hoeselt.Company details
What does ONDERNEMING PANIS do?
According to the KBO register, the main activity is full-service restaurants (NACE 56111).
What is the legal form of ONDERNEMING PANIS?
The legal form of ONDERNEMING PANIS is Private limited company (BV).
When was ONDERNEMING PANIS founded?
ONDERNEMING PANIS was founded on 10-09-1990.
Is ONDERNEMING PANIS still active?
Yes, ONDERNEMING PANIS is an active enterprise in the KBO register.
How many employees does ONDERNEMING PANIS have?
ONDERNEMING PANIS had an average of 1.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does ONDERNEMING PANIS fall under?
In its 2025 annual accounts, ONDERNEMING PANIS states joint committee 302 (Paritair Comité voor het hotelbedrijf).
What is the turnover of ONDERNEMING PANIS?
The turnover in financial year 2025 is ≈ €160,000. This figure is estimated from the gross margin of €50,530 and 72 comparable companies (NACE 56111). It probably lies between €140,000 and €220,000.
Is ONDERNEMING PANIS profitable?
In financial year 2025, ONDERNEMING PANIS made a profit of €29,150.
Where can I find the annual accounts of ONDERNEMING PANIS?
ONDERNEMING PANIS filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of ONDERNEMING PANIS due?
ONDERNEMING PANIS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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