PAN-ONTWIKKELING
ActivePAN-ONTWIKKELING has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €493k and a net result of €-1k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 31% of 9113 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-6
Solvency38▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.75 against 1.24 in 2024; short-term debt: 57% and cash: 1.3% of total assets), but 87.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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 filingsDeviation from the deadline
2025
58 d early
2024
55 d early
2023
51 d early
2022
52 d early
2021
47 d early
2020
47 d early
2019
51 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€493k▼ 0.2%
2024 · €494k
2018: €383k
2019: €510k
2020: €500k
2021: €541k
2022: €526k
2023: €421k
2024: €494k
2018 → 2025
Total assets
€3.93M▲ 15.7%
2024 · €3.40M
2018: €1.52M
2019: €1.43M
2020: €1.38M
2021: €1.81M
2022: €2.85M
2023: €3.01M
2024: €3.40M
2018 → 2025
Net result
€-1k
2024 · €73k
2018: €-17k
2019: €127k
2020: €-9k
2021: €41k
2022: €-15k
2023: €195k
2024: €73k
2018 → 2025
Working capital
€1.69M▲ 158%
2024 · €654k
2018: €908k
2019: €510k
2020: €500k
2021: €541k
2022: €526k
2023: €581k
2024: €654k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€541k-€526k▼ 2.8%€421k▼ 20.0%€494k▲ 17.4%€493k▼ 0.2%
Operating result€52k-€-6k€288k€209k▼ 27.4%€23k▼ 88.8%
Net result€41k-€-15k€195k€73k▼ 62.4%€-1k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 89% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.93M
Fixed assets
€1k
Current assets
€3.93M
Equity and liabilities €3.93M
Equity
€493k▼ 0.2%
Debt
€3.44M▲ 18.4%
The debt ratio rises from 85.5% to 87.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
12.5%▼
2024 · 14.5%
Current ratio
1.75▲
2024 · 1.24
Quick ratio
0.28▲
2024 · 0.14
Debt / equity
6.98▲
2024 · 5.88
ROE
-0.2%▼
2024 · 14.8%
ROA
0.0%▼
2024 · 2.2%
Debt
€3.44M▲
2024 · €2.91M
Debt ≤ 1 year
€2.24M▼
2024 · €2.75M
Debt > 1 year
€1.20M▲
2024 · €160k
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€3.40M€3.93M▲
Fixed assets21/28-€1k
Financial fixed assets28-€1k
Current assets29/58€3.40M€3.93M▲
Stocks and contracts in progress3€3.02M€3.31M▲
Stocks30/36€320k€328k▲
Contracts in progress37€2.70M€2.98M▲
Amounts receivable within one year40/41€362k€244k▼
Trade receivables40€323k€111k▼
Other amounts receivable41€38k€133k▲
Current investments50/53-€300k
Cash at bank and in hand54/58€11k€52k▲
Deferred charges and accrued income490/1€11k€25k▲
Equity and liabilities
Total equity and liabilities10/49€3.40M€3.93M▲
Equity10/15€494k€493k▼
Contributions10/11€400k€400k=
Reserves13€6k€6k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€89k€88k▼
Amounts payable17/49€2.91M€3.44M▲
Amounts payable after more than one year17€160k€1.20M▲
Financial debts170/4€160k€1.20M▲
Amounts payable within one year42/48€2.75M€2.24M▼
Financial debts43€29k-
Credit institutions430/8€29k-
Trade debts44€978k€63k▼
Suppliers440/4€978k€63k▼
Other amounts payable47/48€1.74M€2.18M▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Other operating charges640/8€62k€3k▼
Gross operating margin9900€271k€26k▼
Operating profit (loss)9901€209k€23k▼
Financial income75/76B€1€5k▲
Recurring financial income75€1€5k▲
Financial charges65/66B€112k€29k▼
Recurring financial charges65€112k€29k▼
Profit (loss) for the period before taxes9903€98k€-1k▼
Income taxes67/77€24k-
Profit (loss) for the period9904€73k€-1k▼
Profit (loss) for the period to be appropriated9905€73k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€89k€88k▼
Profit (loss) brought forward from the previous period14P€15k€89k▲
The notes to these accounts (11 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €195k
Net result €195k after one loss-making year.
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €41k
Net result €41k after one loss-making year.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €127k
Net result €127k after one loss-making year.
31-12
Financial
Equity above €500kEq €510k ▲33.2%
Equity rises from €383k to €510k.
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Hoogstraten · 1 establishment unit 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.
Lodewijk De Konincklaan 3142320 HoogstratenGround area
1,124 m²
Building footprint
279 m²
Parcel 13014F0152/00M007, Flanders. Linked by address, not a title deed.
1 establishment unit
PAN-ONTWIKKELING
since 20172.268.928.384
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13014F0152/00M007 | Flanders | 1,124 m² | 1 · 279 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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ELIBO
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TESSTO
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CHaRMeDD
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AHCC
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Of 9,697 companies in sector 68121 we hold annual accounts for 7,378. 4,718 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-07-2017
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.