PANEN & PARTNERS

Active

Private limited companyfounded 2022active for 4 yearsPalestraat 25, 9850 Deinze, BelgiumKBO/BCE: BE 0781.659.157

Summary

PANEN & PARTNERS has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9,941 and a net result of -€1,379. Equity is shrinking by about 16% per year across the filed financial years. Its solvency ranks better than 44% of 21,070 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Risk analysisFollow Report Compare

PANEN & PARTNERSActiveChecked score 66/100

Risk analysis Report Compare

Activity

Computer consultancy and computer facilities management

NACE 62200

1 site

Size

€18,652total assets 2025

Equity: €9,941
Loss: -€1,379

Turnover not published (micro format)

Financial health

66 Healthy Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.9%

Structure

2025 accounts 39 days early2 of 3 deeds summarised

Why 66raises riskLiquidity: current ratio 0.52, cash €0, halved1 change of registered office in 24 monthslowers riskSector: Computer programming, consultancy and related activities (NACE 62)Size: total assets €18,652Show the evidence

Checked score

Score 2025

66 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Financially better than 27% of its sector peers (NACE 62, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Average

Solvency 78+10

equity 53.3% of total assets

Liquidity 30-1

short-term debt 41.7% · cash 0.0%

Profitability 60+35

return on assets -7.4%

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,873 companies, NACE 62, micro)

Last 24 months 11-2024: 0.2%lowest value 12-2024: 0.9%▲ +0.7 percentage points vs 11-2024 01-2025: 0.9%● unchanged vs 12-2024 02-2025: 0.9%● unchanged vs 01-2025 03-2025: 0.9%● unchanged vs 02-2025 04-2025: 0.9%● unchanged vs 03-2025 05-2025: 1.0%▲ +0.1 percentage points vs 04-2025 06-2025: 1.0%● unchanged vs 05-2025 07-2025: 1.0%● unchanged vs 06-2025 08-2025: 2.4%▲ +1.4 percentage points vs 07-2025 09-2025: 2.4%● unchanged vs 08-2025highest value 10-2025: 2.1%▼ -0.3 percentage points vs 09-2025 11-2025: 2.0%▼ -0.1 percentage points vs 10-2025 12-2025: 2.0%● unchanged vs 11-2025 01-2026: 2.0%● unchanged vs 12-2025 02-2026: 2.0%● unchanged vs 01-2026 03-2026: 2.1%▲ +0.1 percentage points vs 02-2026 04-2026: 2.2%▲ +0.1 percentage points vs 03-2026 05-2026: 2.3%▲ +0.1 percentage points vs 04-2026 06-2026: 0.7%▼ -1.6 percentage points vs 05-2026 07-2026: 0.8%▲ +0.1 percentage points vs 06-2026 08-2026: 0.9%▲ +0.1 percentage points vs 07-2026 09-2026: 1.3%▲ +0.4 percentage points vs 08-2026 10-2026: 0.9%▼ -0.4 percentage points vs 09-2026

Credit of up to €500 on 30-day terms is acceptable

Liquidity insufficient (current ratio 0.52, compared with 0.36 in 2024, below 1; short-term debt: 41.7% and cash: 0% of total assets), and 46.7% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro): better than 46% on solvency, 11% on liquidity, 24% on profitability and 29% on growth.

The bankruptcy probability was computed on 24-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises riskneutral

Sector: Computer programming, consultancy and related activities (NACE 62)

KBO

Liquidity: current ratio 0.52, cash €0, halved

NBB · annual accounts

1 change of registered office in 24 months

Belgian Official Gazette

Size: total assets €18,652

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

22232425

2022 to 2025 · latest year -€1,379

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-06-2026, 39 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

39 days early

2024

3 days early

2023

36 days early

2022

42 days early

← before the deadline after the deadline →

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

This company filed its last 4 accounts on average 30 days before the deadline; the sector median (NACE 62) for financial year 2024 is 9 days before the deadline, and 33% 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 24 June (3 of the last 4 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

25-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since incorporation in 2022.

KBO publications · our coverage

22-06-2026 Annual accounts filedfinancial year 2025 · micro…
28-07-2025 Annual accounts filedfinancial year 2024 · micro…
31-12-2024 Weakest financial yearnet -€5,952

Key points

Caution: Among the weakest 17% on net resultsector median €28,678 · 21,077 companies -€1,379 View
Caution: 2 loss-making years in a rowloss financial year 2025 -€1,379 View
Positive: Always filed on timeaccounts within the deadline every year 4 years View

By topic

Financials

Financial year: 2025
Total assets: €18,652
Loss: -€1,379
Solvency: 53.3%

Total assets▼ 29.0%

Net result

20222025

Go to Financials

Timeline

Events: 7
Since: 2023
Next accounts: by 31-07-2027

29-11-2024Registered office
25-06-2024Annual accounts filed
24-05-2024Registered office

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Computer consultancy and computer facilities managementNACE 62200
Founded: 07-02-2022
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about PANEN & PARTNERS

What is the company number of PANEN & PARTNERS?: 0781.659.157. In Belgium the VAT number is the company number with BE in front: BE 0781.659.157.
Where is PANEN & PARTNERS based?: The registered office is at Palestraat 25, 9850 Deinze.Company details
What does PANEN & PARTNERS do?: According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
What is the legal form of PANEN & PARTNERS?: Private limited company (BV).
When was PANEN & PARTNERS founded?: On 07-02-2022.
Is PANEN & PARTNERS still active?: Yes, PANEN & PARTNERS is an active enterprise in the KBO register.
What is the turnover of PANEN & PARTNERS?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is PANEN & PARTNERS profitable?: In financial year 2025, PANEN & PARTNERS made a loss of €1,379.
Where can I find the annual accounts of PANEN & PARTNERS?: PANEN & PARTNERS filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of PANEN & PARTNERS due?: By 31-07-2027, for financial year 2026.Timeline