PANAM
ActivePANAM has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €140k and a net result of €15k. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 19% of 1557 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability52▲+52
Solvency6=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.14 against 0.08 in 2023), and 90.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 1557 sector peers (2024).
NBB · sector comparisonPosition among 1557 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-06-2025, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
42 d early
2023
216 d late
2022
66 d late
2021
31 d late
2020
11 d late
2019
80 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€15k
2023 · €-80k
2021: €-17k
2022: €96k
2023: €-80k
2021 → 2024
Working capital
€-993k▼ 2.0%
2023 · €-974k
2021: €-872k
2022: €-893k
2023: €-974k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€109k-€205k▲ 87.5%€126k▼ 38.8%€140k▲ 11.7%
Operating result€-10k-€-39k▼ 286%€-66k▼ 68.0%€26k
Net result€-17k-€96k€-80k€15k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €26k after a loss of €66k in 2023, the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.46M
Fixed assets
€1.29M▲ 0.8%
Current assets
€165k▲ 82.9%
Equity and liabilities €1.46M
Equity
€140k▲ 11.7%
Debt
€1.32M▲ 5.6%
The debt ratio falls from 90.9% to 90.4%: equity grows faster than debt.
Key figures and ratios
EBITDA
€50k▲
2023 · €-42k
Cash flow
€39k▲
2023 · €-56k
Solvency
9.6%▲
2023 · 9.1%
Current ratio
0.14▲
2023 · 0.08
Quick ratio
0.11▲
2023 · 0.06
Debt / equity
9.39▼
2023 · 9.93
ROE
10.5%▲
2023 · -63.3%
ROA
1.0%▲
2023 · -5.8%
Interest coverage
4.92▲
2023 · -3.69
Debt
€1.32M▲
2023 · €1.25M
Debt ≤ 1 year
€1.16M▲
2023 · €1.06M
Debt > 1 year
€159k▼
2023 · €184k
Staff costs
€76k▲
2023 · €73k
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 · 2024 against 2023
Balance sheet
Code20232024
Total assets
20/58€1.37M€1.46M▲
Fixed assets
21/28€1.28M€1.29M▲
Intangible fixed assets
21€2k€930▼
Tangible fixed assets
22/27€281k€292k▲
Financial fixed assets
28€1.00M€1.00M=
Current assets
29/58€90k€165k▲
Stocks & contracts in progress
3€26k€36k▲
Amounts receivable within one year
40/41€45k€123k▲
Cash & bank
54/58€19k€5k▼
Total equity & liabilities
10/49€1.37M€1.46M▲
Equity
10/15€126k€140k▲
Contributions / capital
10/11€19k€19k=
Reserves
13€2k€2k=
Accumulated profits (losses)
14€105k€120k▲
Amounts payable
17/49€1.25M€1.32M▲
Amounts payable after one year
17€184k€159k▼
Amounts payable within one year
42/48€1.06M€1.16M▲
Trade debts payable within one year
44€21k€38k▲
Income statement
Code20232024
Gross operating margin
9900€33k€128k▲
Operating result
9901€-66k€26k▲
Financial income
75€2-
Financial charges
65€11k€10k▼
Result before taxes
9903€-80k€15k▲
Net result for the period
9904€-80k€15k▲
Result to be appropriated
9905€-80k€15k▲
Timeline · acts, filings and financial milestones
2026
07-07
State Gazette act
Publication
Act object · Notarial deed · Incorporation · Founding capital
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
04-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 216 days late
08-01
State Gazette act
Director changes
2024
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
19-06
State Gazette act
Statutes amendment
De voorwerp van de vennootschap is uitgebreid met diverse activiteiten in de sectoren communicatie, KOPS (Keep our Planet Safe) en bouwcoördinatie, met inbegrip van een uitgebreide lijst van specifiek… · Damien COLLON-WINDELINCKX
2023
31-12
Financial
Weakest financial yearnet €-80k ▼183%
Net result drops to €-80k, the lowest in the series; recovery starts the following year.
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 66 days late
2022
31-12
Financial
Back to profitnet €96k
Net result €96k after one loss-making year.
31-12
Financial
Equity above €200kEq €205k ▲87.5%
Equity rises from €109k to €205k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 11 days late
2020
19-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 80 days late
02-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 155 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 56 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 59 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
3 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 3 have been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
2 directors, last change in 2024
WYNS Pascal Frédéric Fabrice
CurrentDirector (executive) · since 19-06-2024
01-10-2024
SHPATA Syrja: Resigned as Manager
19-06-2024
WYNS Pascal Frédéric Fabrice: Appointed as Director (executive)
19-06-2024
SHPATA Syrja: Appointed as Director (executive)
Not every act has been read: a resignation may be missing here
2 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Vorst · 1 establishment unit since 2003
Ground area
797 m²
Building footprint
411 m²
Volume, LiDAR
1,681 m³
2 parcels, Brussels · tallest building 12.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WYNS
since 20032.131.879.856
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616A0267/00P036 | Brussels | 547 m² | 1 · 161 m² | 5.1 m |
| 21382C0227/00M015 | Brussels | 250 m² | 1 · 251 m² | 12.6 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.
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
MATTI.AS
BE 1002.355.537
Lubbeek · Eq €140k
AT IT Solutions
BE 0797.298.725
Alken · Eq €140k
Vomaco
BE 0757.560.496
Beveren-Kruibeke-Zwijndrecht · Eq €140k
THESSALIAN INFORMATION SYSTEMS
BE 0698.753.455
Diest · Eq €140k
KINA IST
BE 0832.956.717
Sint-Gillis (bij-Brussel) · Eq €140k
Of 29,862 companies in sector 62200 we hold annual accounts for 18,148. 15,234 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-2002
Fiscal year end31-12
Trade name FR
WYNSWEB, WYNS PROD, WYNS PROPERTIES, KOPS, PANAM PROD, STREAM BOX
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
72100
72220
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 3 actsNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 19-07-2026. Scores and ratios are computed by Checked and are not a credit decision.