Panier Consultancy & Development
ActiveSummary
Panier Consultancy & Development has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55k and a net result of €-3k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 43% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability52▲+7
Solvency73▲+33
Growth52=
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.89 against 0.58 in 2024; short-term debt: 52.4% and cash: 2.4% of total assets), but 52.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
47.6%
Return on assets
-2.5%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-02-2026, 13 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
13 d late
2024
74 d late
2023
14 d late
2022
42 d early
2021
41 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€55k▼ 4.9%
2024 · €57k
Total assets
€115k▼ 69.8%
2024 · €380k
Net result
€-3k
2024 · €3k
Working capital
€53k
2024 · €-48k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€40k-€45k▲ 14.2%€-1k€11k€24k▲ 116%
Net result€31k-€29k▼ 4.6%€-7k€3k€-3k
Equity€33k-€62k▲ 89.6%€55k▼ 11.4%€57k▲ 4.8%€55k▼ 4.9%
Total assets€48k-€390k▲ 712%€379k▼ 2.7%€380k▲ 0.1%€115k▼ 69.8%
Debt€15k-€328k▲ 2,027%€324k▼ 1.0%€322k▼ 0.7%€60k▼ 81.4%
Working capital€33k-€-23k€-23k▼ 3.5%€-48k▼ 102%€53k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 116% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €115k
Fixed assets
€1k ▼ 99.6%
Current assets
€113k ▲ 74.2%
Equity and liabilities €115k
Equity
€55k ▼ 4.9%
Debt
€60k ▼ 81.4%
Debt's share of the balance-sheet total falls from 84.9% to 52.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€25k▲
2024 · €18k
Cash flow
€-2k▼
2024 · €9k
Current ratio
1.89▲
2024 · 0.58
Debt to equity
1.10▼
2024 · 5.62
ROE
-5.2%▼
2024 · 4.6%
ROA
-2.5%▼
2024 · 0.7%
Interest coverage
4.40▲
2024 · 3.10
Debt ≤ 1 year
€60k▼
2024 · €113k
Income taxes
€1k▼
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €19k | €18k | €6k | €712 | ▼ 89.0% |
| Other operating charges640/8 | - | €739 | €7k | €4k | €6k | ▲ 75.0% |
| Non-recurring operating charges66A | - | - | €15k | - | €4k | - |
| Gross operating margin9900 | €40k | €65k | €38k | €21k | €36k | ▲ 66.4% |
| Operating profit (loss)9901 | €40k | €45k | €-1k | €11k | €24k | ▲ 116% |
| Financial income75/76B | - | €353 | - | €2k | - | - |
| Recurring financial income75 | €93 | €353 | - | €0 | - | - |
| Non-recurring financial income76B | - | - | - | €2k | - | - |
| Financial charges65/66B | - | €6k | €4k | €6k | €26k | ▲ 353% |
| Recurring financial charges65 | €251 | €6k | €4k | €6k | €6k | ▼ 0.7% |
| Non-recurring financial charges66B | - | - | - | - | €20k | - |
| Profit (loss) for the period before taxes9903 | €40k | €40k | €-5k | €7k | €-2k | ▼ 122% |
| Income taxes67/77 | €9k | €10k | €2k | €5k | €1k | ▼ 73.5% |
| Profit (loss) for the period9904 | €31k | €29k | €-7k | €3k | €-3k | ▼ 207% |
| Profit (loss) for the period to be appropriated9905 | €31k | €29k | €-7k | €3k | €-3k | ▼ 207% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €48k | €390k | €379k | €380k | €115k | ▼ 69.8% |
| Fixed assets21/28 | - | €360k | €321k | €315k | €1k | ▼ 99.6% |
| Tangible fixed assets22/27 | - | €360k | €321k | €315k | €1k | ▼ 99.6% |
| Land and buildings22 | - | €357k | €318k | €313k | - | - |
| Plant, machinery and equipment23 | - | €677 | €535 | €393 | €251 | ▼ 36.1% |
| Furniture and vehicles24 | - | €3k | €2k | €2k | €1k | ▼ 34.6% |
| Current assets29/58 | €48k | €30k | €58k | €65k | €113k | ▲ 74.2% |
| Amounts receivable within one year40/41 | €36k | €19k | €56k | €51k | €111k | ▲ 115% |
| Trade receivables40 | - | €7k | €8k | €14k | €42k | ▲ 202% |
| Other amounts receivable41 | - | €12k | €48k | €37k | €69k | ▲ 83.2% |
| Cash at bank and in hand54/58 | €11k | €11k | €2k | €14k | €3k | ▼ 80.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €48k | €390k | €379k | €380k | €115k | ▼ 69.8% |
| Equity10/15 | €33k | €62k | €55k | €57k | €55k | ▼ 4.9% |
| Contributions10/11 | - | €2k | €2k | €2k | €2k | = |
| Reserves13 | €31k | €60k | €53k | €55k | €53k | ▼ 5.1% |
| Distributable reserves133 | - | €60k | €53k | €55k | €53k | ▼ 5.1% |
| Amounts payable17/49 | €15k | €328k | €324k | €322k | €60k | ▼ 81.4% |
| Amounts payable after more than one year17 | - | €276k | €243k | €210k | - | - |
| Financial debts170/4 | - | €276k | €243k | €210k | - | - |
| Amounts payable within one year42/48 | €15k | €52k | €82k | €113k | €60k | ▼ 46.6% |
| Current portion of amounts payable after more than one year42 | - | €32k | €34k | €33k | - | - |
| Trade debts44 | €832 | €2k | €20k | €30k | €15k | ▼ 49.9% |
| Suppliers440/4 | - | €2k | €20k | €30k | €15k | ▼ 49.9% |
| Taxes, remuneration and social security45 | - | €18k | €27k | €49k | €45k | ▼ 8.4% |
| Taxes450/3 | - | €18k | €27k | €49k | €45k | ▼ 8.0% |
| Remuneration and social security454/9 | - | - | - | €229 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €31k | €29k | €-7k | €3k | €-3k | ▼ 207% |
| + Depreciation and write-downs630 | - | €19k | €18k | €6k | €712 | ▼ 89.0% |
| Operating cash flow (approximation) | €31k | €48k | €11k | €9k | €-2k | ▼ 123% |
| Investment in fixed assets (approximation) | - | - | €21k | €0 | €313k | - |
| Change in cash | - | €200 | €-9k | €12k | €-11k | ▼ 195% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
30-06
Financial
Liquidity triplescurrent ratio 1.89
Current ratio from 0.58 to 1.89; short-term debt falls from €113k to €60k.
15-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 74 days late
2024
30-06
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
14-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
30-06
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 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, Schilde · 1 establishment unit since 2021
Ground area
557 m²
Building footprint
114 m²
Volume, LiDAR
654 m³
Parcel 11039D0404/00M000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Panier Consultancy & Development
since 20212.311.408.743
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039D0404/00M000 | Flanders | 557 m² | 1 · 114 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
APPLIED TECHNOLOGIES CONSULTANTS
BE 0679.998.209
Brussel · Eq €54,549
AnouAvou
BE 0756.847.052
Vorst · Eq €54,552
Sphere.Work
BE 0770.632.831
Vilvoorde · Eq €54,543
Lomatech
BE 1018.433.583
Merksplas · Eq €54,561
Energy.gent
BE 0802.790.410
Gent · Eq €54,574
Of 82,632 companies in sector 70200 we hold annual accounts for 52,575. 38,507 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-01-2021
Fiscal year end30-06
Abbreviation NL
PC&D
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
85599Other education
Scores and ratios are computed by Checked and are not a credit decision.