PAN ANIMA
ActivePAN ANIMA has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-49k) and a net result of €4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 1268 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▲+30
Solvency8▼-1
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.61 against 0.61 in 2024; short-term debt: 28.4% and cash: 2.5% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 75
Relative position
BE, all sectors
reference
Sector 75
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-16.8%
Return on assets
1.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 1268 sector peers (2025).
NBB · sector comparisonPosition among 1268 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
19 d late
2023
31 d late
2022
31 d late
2021
31 d early
2020
124 d late
2019
13 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-49k▲ 7.1%
2024 · €-53k
2018: €14k
2019: €16k
2020: €22k
2021: €28k
2022: €26k
2023: €-31k
2024: €-53k
2018 → 2025
Total assets
€295k▼ 10.1%
2024 · €328k
2018: €274k
2019: €300k
2020: €290k
2021: €335k
2022: €407k
2023: €372k
2024: €328k
2018 → 2025
Net result
€4k
2024 · €-23k
2018: €-6k
2019: €2k
2020: €6k
2021: €6k
2022: €-2k
2023: €-56k
2024: €-23k
2018 → 2025
Working capital
€-32k▼ 12.1%
2024 · €-29k
2018: €25k
2019: €19k
2020: €22k
2021: €-10k
2022: €32k
2023: €-60k
2024: €-29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€26k▼ 7.1%€-31k€-53k▼ 74.0%€-49k▲ 7.1%
Operating result€16k-€7k▼ 58.2%€-45k€-10k▲ 77.1%€16k
Net result€6k-€-2k€-56k▼ 2,774%€-23k▲ 59.9%€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €10k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €295k
Fixed assets
€243k▼ 13.8%
Current assets
€51k▲ 12.9%
Key figures and ratios
EBITDA
€55k▲
2024 · €29k
Cash flow
€43k▲
2024 · €16k
Solvency
-16.8%▼
2024 · -16.3%
Current ratio
0.61▲
2024 · 0.61
Quick ratio
0.59▲
2024 · 0.57
Debt / equity
-6.96▲
2024 · -7.15
ROA
1.3%▲
2024 · -6.9%
Interest coverage
4.91▲
2024 · 2.50
Debt
€344k▼
2024 · €381k
Debt ≤ 1 year
€84k▲
2024 · €74k
Debt > 1 year
€260k▼
2024 · €307k
Income taxes
€848▼
2024 · €872
Staff costs
€117k▲
2024 · €82k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€328k€295k▼
Fixed assets21/28€282k€243k▼
Tangible fixed assets22/27€282k€243k▼
Plant, machinery and equipment23€184k€160k▼
Furniture and vehicles24€42k€30k▼
Leasing and similar rights25€56k€53k▼
Current assets29/58€45k€51k▲
Stocks and contracts in progress3€3k€2k▼
Stocks30/36€3k€2k▼
Amounts receivable within one year40/41€32k€41k▲
Trade receivables40€30k€39k▲
Other amounts receivable41€2k€3k▲
Current investments50/53-€875
Cash at bank and in hand54/58€11k€7k▼
Equity and liabilities
Total equity and liabilities10/49€328k€295k▼
Equity10/15€-53k€-49k▲
Contributions10/11€20k€20k=
Reserves13€0-
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Profit (loss) carried forward14€-73k€-69k▲
Amounts payable17/49€381k€344k▼
Amounts payable after more than one year17€307k€260k▼
Financial debts170/4€245k€198k▼
Other amounts payable178/9€61k€63k▲
Amounts payable within one year42/48€74k€84k▲
Current portion of amounts payable after more than one year42€46k€47k▲
Financial debts43€891€90▼
Credit institutions430/8€891€90▼
Trade debts44€6k€10k▲
Suppliers440/4€6k€10k▲
Taxes, remuneration and social security45€21k€26k▲
Taxes450/3€1k€2k▲
Remuneration and social security454/9€20k€24k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62€82k€117k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€39k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€734€0▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€113k€173k▲
Operating profit (loss)9901€-10k€16k▲
Financial income75/76B€23€35▲
Recurring financial income75€23€35▲
Financial charges65/66B€11k€11k▼
Recurring financial charges65€11k€11k▼
Profit (loss) for the period before taxes9903€-22k€5k▲
Income taxes67/77€872€848▼
Profit (loss) for the period9904€-23k€4k▲
Profit (loss) for the period to be appropriated9905€-23k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-73k€-69k▲
Profit (loss) brought forward from the previous period14P€-51k€-73k▼
Transfer from equity791/2€38€0▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €-56k
Net result drops to €-56k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 124 days late
2020
31-12
Financial
Highest result since 2018net €6k ▲214%
Operating result €18k, net result €6k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Tournai · 2 establishment units since 2017
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue des Morts(LAM) 67522 TournaiGround area
1,586 m²
Building footprint
173 m²
Volume, LiDAR
1,035 m³
2 parcels, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Pan anima
since 20172.264.163.706
Pan anima
since 20232.346.006.168
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57044B0073/00K000 | Wallonia | 974 m² | 1 · 84 m² | 7.6 m · 2 fl. |
| 57078D1062/00G008 | Wallonia | 611 m² | 1 · 89 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 6,078 companies in sector 75000 we hold annual accounts for 1,950. 1,390 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-2017
Fiscal year end31-12
Activities, NACEBEL
75000Veterinary services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.