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PAN-ONTWIKKELING

Active
Private limited companyfounded 2017active for 9 yearsLodewijk De Konincklaan 314, 2320 Hoogstraten, BelgiumKBO/BCE: BE 0678.924.180
Summary

PAN-ONTWIKKELING has been active since 2017 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €493,001 and a net result of -€1,081. Equity has been stable since 2018 (±0.3% per year). Its solvency ranks better than 32% of 11,268 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

Source: KBO
Status
Active since 27-07-2017 Normal situation
Activity
Development of residential building projects NACE 68121
Establishment unit
2.268.928.384 2320 Hoogstraten, since 27-07-2017
Financial year end
31 December
Peppol
Reachable since 27-02-2025

Board and ownership

Board
  • Condor Real Estate BVDirector
  • Crescenza BVDirector
  • CommV RCR Management & InvestmentDirector
Shareholders
  • PANINVEST· score 902025 annual accounts of PANINVEST

Financial position

85 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts 2025
Gross margin
€26,327
▼ 90.3%
Turnover
≈ €72,000
estimated
Loss
€1,081
Equity
€493,001
▼ 0.2%
Total assets
€3.9m
▲ 15.7%
Score breakdownraises risk1 change of registered office in 24 monthsEquity €493,001 (12.5% of total assets)lowers riskSize: total assets €3.9mFigures for financial year 2025 (filed on 03-06-2026)Show the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 31% of small companies in real estate (NACE 68)
Financial strength · tick: 2024
Weak
Solvency 38-2
equity 12.5% of total assets
Liquidity 22+16
short-term debt 57.0% · cash 1.3%
Profitability 37-6
return on assets 0.0%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (6,995 companies, NACE 68, small)
Last 24 months 12-2024: 0.2% 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.1%▼ -0.1 percentage points vs 02-2025lowest value 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.2%▲ +0.1 percentage points vs 05-2025 07-2025: 0.3%▲ +0.1 percentage points vs 06-2025 08-2025: 0.3%● unchanged vs 07-2025 09-2025: 0.2%▼ -0.1 percentage points vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.3%▲ +0.1 percentage points vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026highest value 07-2026: 0.2%▼ -0.1 percentage points vs 06-2026 08-2026: 0.2%● unchanged vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026 11-2026: 0.2%● unchanged vs 10-2026
Credit of up to €40,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.75 (1.24 in 2024), above the usual 1.5. Short-term debt is 57% and cash 1.3% of total assets. However, 87.5% 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 68, small). It does better than 32% of them on solvency, 17% on liquidity, 34% on profitability and 41% on growth.

The bankruptcy probability was computed on 04-11-2026 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 · Size: total assets €3.9m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 03-06-2026)
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · Equity €493,001 (12.5% of total assets)
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 03-06-2026, 58 days ahead of the deadline.
NBB · 8 filings
Deviation from the deadline
2025
58 days early
2024
55 days early
2023
51 days early
2022
52 days early
2021
47 days early
2020
47 days early
2019
51 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 52 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% 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 9 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
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

  • Caution: From profit to loss in 2025after a profit of €73,226 in 2024 -€1,081 View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View

Recent changes

  1. · Gazette deed Registered office moved from Minderhout to HoogstratenNew seat: Lodewijk de Konincklaan 314 Bus 005, 2320 Hoogstraten · Previous seat: Schoolstraat 32, 2322 Minderhout · Permanent representative: Rik Croymans
  2. · Gazette deed Registered office moved from Antwerp to HoogstratenNew seat: Schoolstraat 32, 2322 Hoogstraten · Previous seat: Noorderlaan 133 37, 2030 Antwerpen 3 · Resignation: Silvain Salamon (director)
  3. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as PAN-ONTWIKKELING: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €2.4m and €5m, founded between 2015 and 2019.

CompanyTotal assetsGross margin
PAN-ONTWIKKELING Hoogstraten€3.9m€0.03m
NEXT DAY SUSTAINABLE TWO Elsene€5.0m€0.03m
GM Real Estate Schilde€4.3m€0.02m
DEBELGRO Bornem€2.4m€0.02m
EVP Bonheiden€3.6m€0.07m
ADAMAS Zoersel€2.9m€0.06m
TIKI CONSTRUCT Leuven€4.1m€0.03m
Full comparison

Key facts about PAN-ONTWIKKELING

What is the company number of PAN-ONTWIKKELING?
The company number of PAN-ONTWIKKELING is 0678.924.180. The VAT number is the same number with BE in front: BE 0678.924.180.
Where is PAN-ONTWIKKELING based?
The registered office is at Lodewijk De Konincklaan 314, 2320 Hoogstraten.Company details
What does PAN-ONTWIKKELING do?
According to the KBO register, the main activity is development of residential building projects (NACE 68121).
What is the legal form of PAN-ONTWIKKELING?
The legal form of PAN-ONTWIKKELING is Private limited company (BV).
When was PAN-ONTWIKKELING founded?
PAN-ONTWIKKELING was founded on 27-07-2017.
Is PAN-ONTWIKKELING still active?
Yes, PAN-ONTWIKKELING is an active enterprise in the KBO register.
What is the turnover of PAN-ONTWIKKELING?
The turnover in financial year 2025 is ≈ €72,000. This figure is estimated from the gross margin of €26,327 and 32 comparable companies (NACE 681). It probably lies between €40,000 and €150,000.Financials
Is PAN-ONTWIKKELING profitable?
In financial year 2025, PAN-ONTWIKKELING made a loss of €1,081.
Where can I find the annual accounts of PAN-ONTWIKKELING?
PAN-ONTWIKKELING filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of PAN-ONTWIKKELING due?
PAN-ONTWIKKELING must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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