Active BE 0760.788.024Private limited company

Panier Consultancy & Development

Albert Van Dyckstraat 5 ·2970 Schilde, Belgium· 5 yrs active

Sector: Head offices & management consulting (70200)

Conclusion Checked

The computed 12-month bankruptcy probability of Panier Consultancy & Development is 0.5% (very low). 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 44% of 4685 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€55k
Net result	€-3k
Better than sector	44%
Active	5 yrs

Snowflake analysis 5 axes · computed by Checked

60 / 100

Strong profile, led by stability.

Health 63

Profitability 0

Solvency 90

Growth 52

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

0.5% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Health barometer FY 2025 · computed

63 / 100 Healthy

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Financial overview5 NBB filings

Annual accounts filed on 13-02-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Equity: stable across 5 fiscal years (±2.3%/year).

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	47.6%	55.2%	better than 44% of 4685 sector peers
Net result	€-3k	€38k	better than 10% of 4684 sector peers
Equity	€55k	€64k	better than 46% of 4685 sector peers
Gross operating margin	€36k	€61k	better than 33% of 4677 sector peers
Total assets	€115k	€145k	better than 40% of 4685 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€25k

+41.1% +92% vs sector

Net profit

€-3k

- far below sector median

Cash flow

€-2k

- far below sector median

Total assets

€115k

-69.8% -22% vs sector

Equity

€55k

-4.9% -58% vs sector

Working capital

€53k

- -43% vs sector

Income taxes

€1k

-73.5% -52% vs sector

Debt

€60k

-81.4% far above sector median

Debt ≤ 1y

€60k

-46.6% far above sector median

Debt > 1y

€210k

-13.6% 21-25

Current ratio

1.89

+226.4% -75% vs sector

Quick ratio

1.89

+226.4% -75% vs sector

Solvency

47.6%

+215.0% -47% vs sector

Debt / equity

1.10

-80.4% far above sector median

ROE

-5.2%

- far below sector median

ROA

-2.5%

- far below sector median

Interest coverage

4.40

+42.1% -97% vs sector

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Revenue	-
EBITDA	€25k
Net profit	€-3k
Cash flow	€-2k
Staff costs	-
Income taxes	€1k
Dividends	-
Total assets	€115k
Equity	€55k
Debt	€60k
of which ≤ 1y	€60k
of which > 1y	-
Working capital	€53k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	1.89
Quick ratio	1.89
Working capital ratio	46.4%
Solvency	47.6%
Debt / equity	1.10
Long-term debt ratio	-
Interest coverage	4.40
Gross margin	-
Net margin	-
ROA	-2.5%
ROE	-5.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €1k · 1.2% Current assets €113k · 98.8%

Equity & liabilities

Equity €55k · 47.6% Debt €60k · 52.4%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€115k
Fixed assets	21/28	€1k
Tangible fixed assets	22/27	€1k
Current assets	29/58	€113k
Amounts receivable within one year	40/41	€111k
Cash & bank	54/58	€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€115k
Equity	10/15	€55k
Contributions / capital	10/11	€2k
Reserves	13	€53k
Amounts payable	17/49	€60k
Amounts payable within one year	42/48	€60k
Trade debts payable within one year	44	€15k
Income statement
Gross operating margin	9900	€36k
Operating result	9901	€24k
Financial charges	65	€6k
Result before taxes	9903	€-2k
Income taxes	67/77	€1k
Net result for the period	9904	€-3k
Result to be appropriated	9905	€-3k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Head offices & management consulting(70200)
Legal form	Private limited company(610)
Incorporation	04-01-2021
Status	Active
Postal code	2970

Establishment units 1 location

Panier Consultancy & Development

Albert Van Dyckstraat 5, 2970 SchildeOverige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering

since 20212.311.408.743

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11039D0404/00M000	Flanders	557 m²	1 · 114 m²	8.9 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 7 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

13-02-2026

NBB filing Annual accounts filed

fiscal year 2025 · micro

2025

15-04-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

14-02-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

27-07-2023

State Gazette act Registered-office change

2022

20-12-2022

NBB filing Annual accounts filed

fiscal year 2022 · micro

09-08-2022

State Gazette act Registered-office change

2021

21-12-2021

NBB filing Annual accounts filed

fiscal year 2021 · micro

Belgisch Staatsblad, acts 2 acts

Address history · 2

27-07-2023

Registered-office move

09-08-2022

Registered-office move

All acts · 2 updated 2 years ago

2023

27-07-2023 Registered office moved from Schoten to Schilde Registered-office change

Victor Adriaenssensstraat 117, 2900 Schoten → Albert Van Dyckstraat 5, 2970 Schilde

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Albert Van Dyckstraat 5, 2970 Schilde",
        "city": "Schilde",
        "region": "vlaams_gewest",
        "street": "Albert Van Dyckstraat",
        "country": "BE",
        "postcode": "2970",
        "box_number": null,
        "street_number": "5",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Victor Adriaenssensstraat 117, 2900 Schoten",
        "city": "Schoten",
        "region": "vlaams_gewest",
        "street": "Victor Adriaenssensstraat",
        "country": "BE",
        "postcode": "2900",
        "box_number": null,
        "street_number": "117",
        "locality_suffix": "(SCH)"
      },
      "effective_date": "2023-06-29",
      "evidence_quote": "Het bestuursorgaan beslist om de maatschappelijke zetel met ingang van 29 juni 2023 over te brengen",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2023-07-12",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "enig_aandeelhouder_schriftelijk",
    "date": "2023-06-29",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0760.788.024",
    "name_full": "Panier Consultancy \u0026 Development",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Panier Yves",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": []
}

2022

09-08-2022 Registered office moved from Borsbeek to Schoten Registered-office change

August Van Putlei 114 bus 2, 2150 Borsbeek → Victor Adriaenssensstraat 117 apр. 201, 2900 Schoten

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "combined",
      "new_address": {
        "raw": "Victor Adriaenssensstraat 117 ap\u0440. 201, 2900 Schoten",
        "city": "Schoten",
        "region": "vlaams_gewest",
        "street": "Victor Adriaenssensstraat",
        "country": "BE",
        "postcode": "2900",
        "box_number": "201",
        "street_number": "117",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "August Van Putlei 114 bus 2, 2150 Borsbeek",
        "city": "Borsbeek",
        "region": "vlaams_gewest",
        "street": "August Van Putlei",
        "country": "BE",
        "postcode": "2150",
        "box_number": "2",
        "street_number": "114",
        "locality_suffix": null
      },
      "effective_date": "2022-01-25",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "act_body",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "beide",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2022-08-09",
    "filing_date": "2022-07-27",
    "act_kind_objet": "Zetel (zetelverplaatsing)"
  },
  "decision": {
    "body": "bevoegde_bestuursorgaan",
    "date": "2022-01-25",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0760.788.024",
    "name_full": "Panier Consultancy \u0026 Development",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Yves Panier",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": []
}

Credit advice verdict per customer and amount

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Company registry (CBE) Crossroads Bank

Activities

Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990Overige vormen van onderwijs85599Overige vormen van onderwijs85599

Primary activity highlighted.

Names & trade names

Legal nameNL	Panier Consultancy & Development
AbbreviationNL	PC&D

Registered office

Albert Van Dyckstraat 5

2970 Schilde, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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