Panem et Laborem

Active Risk: moderate

Cooperative companyfounded 1998active for 28 yearsSint-Bernardusstraat 43, 1060 Sint-Gillis (bij-Brussel), BelgiumKBO/BCE: BE 0463.224.092

Summary

The computed 12-month bankruptcy probability of Panem et Laborem is 1.7% (moderate). The 2025 annual accounts show a net result of -€44,772. Equity is shrinking by about 28% per year across the filed financial years. Its net result ranks better than 19% of 784 sector peers (NACE 10, financial year 2025). The company has been active since 1998 and the Belgian Official Gazette contains no insolvency or warning signals.

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Panem et LaboremActive

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Activity

Manufacture of food products

NACE 10130Event catering NACE 56210

1 site

Size

€1.2mturnover 2025

Staff: 10.3 FTE
Loss: -€44,772

Financial health

Bankruptcy probabilitywithin 12 months: 1.7%

Too few figures to score

Structure

Board: 6 members

Stéphane HEYMANSGeneral manager

Auditor: RSM INTERAUDITAccounts 25 days early

Signalsraises riskEigen vermogen niet neergelegdSector: Manufacture of food products (NACE 10)Loss of €44,772 (financial year 2025)lowers riskLiquidity: current ratio 1.12, cash €172,731neutralLatest accounts filed on timeShow the evidence

Bankruptcy probability

No current score

Insufficient figures

A score requires measurable solvency, liquidity and profitability. Missing figures are not a judgement about the company.

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (629 companies, NACE 10, small)

Last 24 months 11-2024: 1.9%highest value 12-2024: 1.9%● unchanged vs 11-2024highest value 01-2025: 1.9%● unchanged vs 12-2024highest value 02-2025: 1.9%● unchanged vs 01-2025highest value 03-2025: 1.9%● unchanged vs 02-2025 04-2025: 1.9%● unchanged vs 03-2025 05-2025: 1.9%● unchanged vs 04-2025 06-2025: 1.8%▼ -0.1 percentage points vs 05-2025 07-2025: 1.9%▲ +0.1 percentage points vs 06-2025 08-2025: 1.2%▼ -0.7 percentage points vs 07-2025 09-2025: 1.2%● unchanged vs 08-2025 10-2025: 1.2%● unchanged vs 09-2025 11-2025: 1.2%● unchanged vs 10-2025 12-2025: 1.2%● unchanged vs 11-2025 01-2026: 1.2%● unchanged vs 12-2025 02-2026: 1.2%● unchanged vs 01-2026 03-2026: 1.2%● unchanged vs 02-2026 04-2026: 1.2%● unchanged vs 03-2026 05-2026: 1.2%● unchanged vs 04-2026 06-2026: 1.1%▼ -0.1 percentage points vs 05-2026lowest value 07-2026: 1.1%● unchanged vs 06-2026 08-2026: 1.6%▲ +0.5 percentage points vs 07-2026 09-2026: 1.7%▲ +0.1 percentage points vs 08-2026 10-2026: 1.7%● unchanged vs 09-2026

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Signals

Five signals.

lowers riskraises riskneutral

Eigen vermogen niet neergelegd

NBB · annual accounts

Liquidity: current ratio 1.12, cash €172,731

NBB · annual accounts

Sector: Manufacture of food products (NACE 10)

KBO

Loss of €44,772 (financial year 2025)

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

25 days early

2024

27 days early

2023

30 days early

2022

33 days early

2021

47 days late

2020

26 days early

2019

61 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 5 days before the deadline; the sector median (NACE 10) for financial year 2024 is 4 days before the deadline, and 38% of those companies filed late.

Searched, nothing found (2)

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 4 July (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

18-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

30-09-2026 Resignation: DAHMANE Ahmed Amine (director)Gazette deed
06-07-2026 Annual accounts filedfinancial year 2025 · full…
02-04-2026 Appointments: LAURENT Brieuc, STOKINK Denis and…Admissions: LAURENT Brieuc, STOKINK Denis…

Key points

Caution: From profit to loss in 2025after €10,693 in 2024 -€44,772 View
Caution: Among the weakest 19% on net resultsector median €135,448 · 784 companies -€44,772 View
Board changedlatest change 30-06-2026 · 6 in office 6 joined · 1 left View
Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View