Pand 151
ActiveThe computed 12-month bankruptcy probability of Pand 151 is 1.6% (moderate). The 2025 annual accounts show equity of €28k and a net result of €-5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 52% of 13091 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▼-70
Solvency58▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.97 against 1.09 in 2024; short-term debt: 66.8% and cash: 42.5% of total assets), and 66.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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 · 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
33.2%
Return on assets
-6.3%
Age of the figures
9 mo
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
46 d late
2023
29 d late
2022
60 d late
2021
31 d late
2020
31 d late
2019
396 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€425k
EBIT margin
-1.4%
Net result
€-5k
2024 · €23k
2018: €-6k
2019: €27k
2020: €19k
2021: €7k
2022: €-17k
2023: €-13k
2024: €23k
2018 → 2025
Working capital
€-2k
2024 · €5k
2018: €-67k
2019: €-34k
2020: €-10k
2021: €4k
2022: €-15k
2023: €-20k
2024: €5k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€10k▼ 62.1%€-2k€33k€28k▼ 16.1%
Operating result€9k-€-13k€-12k▲ 13.2%€15k€-4k
Net result€7k-€-17k€-13k▲ 26.2%€23k€-5k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €15k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84k
Fixed assets
€30k▲ 4.2%
Current assets
€54k▼ 9.4%
Equity and liabilities €84k
Equity
€28k▼ 16.1%
Debt
€56k▲ 1.6%
The debt ratio rises from 62.5% to 66.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€2k▼
2024 · €22k
Cash flow
€1k▼
2024 · €30k
Solvency
33.2%▼
2024 · 37.5%
Current ratio
0.97▼
2024 · 1.09
Quick ratio
0.97▼
2024 · 1.09
Debt / equity
2.01▲
2024 · 1.66
ROE
-19.1%▼
2024 · 69.1%
ROA
-6.3%▼
2024 · 26.0%
Interest coverage
2.27▼
2024 · 32.67
Debt
€56k▲
2024 · €55k
Debt ≤ 1 year
€56k▲
2024 · €55k
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€89k€84k▼
Fixed assets21/28€28k€30k▲
Tangible fixed assets22/27€22k€24k▲
Land and buildings22€6k€9k▲
Plant, machinery and equipment23€13k€13k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€6k€6k=
Current assets29/58€60k€54k▼
Amounts receivable within one year40/41€22k€19k▼
Trade receivables40€17k€15k▼
Other amounts receivable41€5k€4k▼
Cash at bank and in hand54/58€38k€36k▼
Equity and liabilities
Total equity and liabilities10/49€89k€84k▼
Equity10/15€33k€28k▼
Contributions10/11€19k€19k=
Reserves13€21k€21k=
Distributable reserves133€21k€21k=
Profit (loss) carried forward14€-7k€-12k▼
Amounts payable17/49€55k€56k▲
Amounts payable within one year42/48€55k€56k▲
Trade debts44€23k€23k▼
Suppliers440/4€23k€23k▼
Advances received on contracts in progress46€21k€21k=
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€3k€3k▲
Other amounts payable47/48€8k€9k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€769€700▼
Gross operating margin9900€23k€3k▼
Operating profit (loss)9901€15k€-4k▼
Financial income75/76B€8k€2▼
Recurring financial income75€5€2▼
Non-recurring financial income76B€8k-
Financial charges65/66B€674€894▲
Recurring financial charges65€674€894▲
Profit (loss) for the period before taxes9903€23k€-5k▼
Income taxes67/77€169-
Profit (loss) for the period9904€23k€-5k▼
Profit (loss) for the period to be appropriated9905€23k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-12k▼
Profit (loss) brought forward from the previous period14P€-30k€-7k▲
The notes to these accounts (6 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 46 days late
2024
31-12
Financial
Back to profitnet €23k
Net result €23k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Weakest financial yearnet €-17k ▼345%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 396 days late
2019
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
28-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 120 days late
28-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 485 days late
28-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 850 days late
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, Hasselt · 1 establishment unit since 2007
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.
Singelbeekstraat 1513500 HasseltGround area
931 m²
Building footprint
134 m²
Volume, LiDAR
796 m³
Parcel 71328D0439/00H002, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cuisine NIENO'h
since 20072.163.948.848
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71328D0439/00H002 | Flanders | 931 m² | 1 · 134 m² | 9.9 m · 2 fl. |
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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SERREPALEIS
BE 0460.708.131
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EL FUEGO
BE 0742.739.391
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LA TRATTORIA
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Of 20,506 companies in sector 56111 we hold annual accounts for 11,453. 9,358 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2007
Fiscal year end31-12
Activities, NACEBEL
45250
56101Full-service restaurants
56111Full-service restaurants
43230Insulation installation
43291Specialised construction activities
43331Floor and wall tiling
43422Screed work
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@cuisine-nienoh.be