PANDT
ActivePANDT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40k and a net result of €-99k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 19% of 9098 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
17
/ 100
Critical▼ -16 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-3
Solvency12▼-4
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.01 against 1.05 in 2024), and 98.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 9098 sector peers (2025).
NBB · sector comparisonPosition among 9098 sector peers
Solvency
better than 19%
← weakest
strongest →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
36 d early
2023
43 d early
2022
49 d early
2021
33 d early
2020
43 d early
2019
38 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€40k▼ 71.0%
2024 · €139k
2018: €31k
2019: €143k
2020: €93k
2021: €99k
2022: €112k
2023: €138k
2024: €139k
2018 → 2025
Total assets
€2.40M▲ 8.9%
2024 · €2.21M
2018: €1.63M
2019: €1.63M
2020: €2.30M
2021: €2.69M
2022: €1.82M
2023: €1.96M
2024: €2.21M
2018 → 2025
Net result
€-99k
2024 · €779
2018: €1k
2019: €112k
2020: €-50k
2021: €6k
2022: €13k
2023: €26k
2024: €779
2018 → 2025
Working capital
€29k▼ 69.1%
2024 · €94k
2018: €33k
2019: €126k
2020: €89k
2021: €86k
2022: €91k
2023: €106k
2024: €94k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€99k-€112k▲ 13.2%€138k▲ 22.8%€139k▲ 0.6%€40k▼ 71.0%
Operating result€41k-€44k▲ 8.7%€96k▲ 118%€102k▲ 6.4%€2k▼ 98.1%
Net result€6k-€13k▲ 105%€26k▲ 94.8%€779▼ 97.0%€-99k
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 falls in 2025; 2025 is 98% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.40M
Fixed assets
€15k▼ 68.3%
Current assets
€2.39M▲ 10.6%
Equity and liabilities €2.40M
Equity
€40k▼ 71.0%
Debt
€2.36M▲ 14.2%
The debt ratio rises from 93.7% to 98.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€6k▼
2024 · €112k
Cash flow
€-95k▼
2024 · €10k
Solvency
1.7%▼
2024 · 6.3%
Current ratio
1.01▼
2024 · 1.05
Quick ratio
0.07▼
2024 · 0.55
Debt / equity
58.70▲
2024 · 14.91
ROE
-244.6%▼
2024 · 0.6%
ROA
-4.1%▼
2024 · 0.0%
Interest coverage
0.07▼
2024 · 1.05
Debt
€2.36M▲
2024 · €2.07M
Debt ≤ 1 year
€2.36M▲
2024 · €2.07M
Income taxes
€325▼
2024 · €3k
Staff costs
€96k▲
2024 · €93k
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€2.21M€2.40M▲
Fixed assets21/28€48k€15k▼
Tangible fixed assets22/27€43k€15k▼
Furniture and vehicles24€10k€15k▲
Other tangible fixed assets26€33k-
Financial fixed assets28€5k€125▼
Current assets29/58€2.16M€2.39M▲
Stocks and contracts in progress3€1.03M€2.23M▲
Stocks30/36€1.03M€2.23M▲
Amounts receivable within one year40/41€1.08M€19k▼
Trade receivables40€20k€15k▼
Other amounts receivable41€1.06M€4k▼
Cash at bank and in hand54/58€48k€130k▲
Deferred charges and accrued income490/1€6k€13k▲
Equity and liabilities
Total equity and liabilities10/49€2.21M€2.40M▲
Equity10/15€139k€40k▼
Contributions10/11€30k€30k=
Reserves13€109k€10k▼
Distributable reserves133€109k€10k▼
Amounts payable17/49€2.07M€2.36M▲
Amounts payable within one year42/48€2.07M€2.36M▲
Current portion of amounts payable after more than one year42€4k-
Financial debts43€1.06M€1.36M▲
Credit institutions430/8€1.06M€1.36M▲
Trade debts44€56k€83k▲
Suppliers440/4€56k€83k▲
Taxes, remuneration and social security45€74k€103k▲
Taxes450/3€59k€81k▲
Remuneration and social security454/9€14k€23k▲
Other amounts payable47/48€871k€814k▼
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Non-recurring operating income76A-€17k
Remuneration, social security and pensions62€93k€96k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€4k▼
Other operating charges640/8€9k€9k▼
Non-recurring operating charges66A-€-33k
Gross operating margin9900€214k€77k▼
Operating profit (loss)9901€102k€2k▼
Financial income75/76B€8k€11k▲
Recurring financial income75€8k€11k▲
Financial charges65/66B€106k€111k▲
Recurring financial charges65€106k€78k▼
Non-recurring financial charges66B-€33k
Profit (loss) for the period before taxes9903€4k€-98k▼
Income taxes67/77€3k€325▼
Profit (loss) for the period9904€779€-99k▼
Profit (loss) for the period to be appropriated9905€779€-99k▼
Appropriation of the result
Profit (loss) to be appropriated9906€779€-99k▼
Transfer from equity791/2-€99k
Transfer to equity691/2€779-
To other reserves6921€779-
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (17 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-99k ▼12739%
Net result drops to €-99k, the lowest in the series.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €100kEq €112k ▲13.2%
2 profitable years in a row build equity to €112k.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €112k ▲9016%
Operating result €173k, net result €112k, both a record.
31-12
Financial
Equity above €100kEq €143k ▲357%
2 profitable years in a row build equity to €143k.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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, Moorslede · 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.
Beselarestraat 1038890 MoorsledeGround area
4,638 m²
Building footprint
295 m²
Volume, LiDAR
1,682 m³
Parcel 36003A0153/00Z000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PANDT
since 20172.264.202.011
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36003A0153/00Z000 | Flanders | 4,638 m² | 1 · 295 m² | 8.8 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 1,255 EUR awarded · 1,255 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 256 EUR | 256 EUR |
| 2023 | 1 | 501 EUR | 501 EUR |
| 2022 | 1 | 498 EUR | 498 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,702 companies in sector 68310 we hold annual accounts for 6,876. 4,647 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-2017
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68121Development of residential building projects
68321Property management for co-owned buildings (syndics)
68322Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.