PANO-EXTRA
ActiveSummary
The computed 12-month bankruptcy probability of PANO-EXTRA is 21.5% (high). The annual accounts of PANO-EXTRA for fiscal year 2024 show a net loss of 66% of total assets and of 88% of the equity at the start of that year. The 2024 annual accounts show equity of €24k and a net result of €-174k. Its solvency ranks better than 21% of 6720 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-100
Solvency34▼-38
Growth32
Track record86
Bankruptcy probability, 12 months
21.5%
High
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.81 against 1.59 in 2023; short-term debt: 91.1% and cash: 0.5% of total assets), and 91.1% of the assets are financed with debt.
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Signals
Nine signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Land transport and transport via pipelines (NACE 49)
about 141% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
8.9%
Return on assets
-65.9%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 6720 sector peers (2024).
NBB · sector comparisonPosition among 6720 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-10-2025, 70 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
70 d late
2023
69 d late
2022
32 d late
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
History
Financials · fiscal year 2024, micro schema
Equity
€24k▼ 88.1%
2023 · €198k
Total assets
€265k▼ 36.6%
2023 · €417k
Net result
€-174k
2023 · €198k
Working capital
€-46k
2023 · €129k
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
Line202220232024
Operating result€198k€-126k
Net result€198k€-174k
Equity€198k€24k▼ 88.1%
Total assets€0-€417k▲ 4,173,812,000%€265k▼ 36.6%
Debt€0-€219k▲ 2,193,944,600%€241k▲ 9.9%
Working capital€0-€129k€-46k
Staff (FTE)2024.3▲ 21.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €126k after €198k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €265k
Fixed assets
€69k =
Current assets
€195k ▼ 43.9%
Equity and liabilities €265k
Equity
€24k ▼ 88.1%
Debt
€241k ▲ 9.9%
Debt's share of the balance-sheet total rises from 52.6% to 91.1%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
0.81▼
2023 · 1.59
Debt to equity
10.24▲
2023 · 1.11
ROE
-740.7%▼
2023 · 100.0%
ROA
-65.9%▼
2023 · 47.4%
Debt ≤ 1 year
€241k▲
2023 · €219k
Income taxes
€45k
Staff costs
€746k▲
2023 · €690k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €690k | €746k | ▲ 8.1% |
| Other operating charges640/8 | - | €4k | €11k | ▲ 193% |
| Gross operating margin9900 | - | €892k | €631k | ▼ 29.3% |
| Operating profit (loss)9901 | - | €198k | €-126k | ▼ 164% |
| Financial charges65/66B | - | €171 | €3k | ▲ 1,388% |
| Recurring financial charges65 | - | €171 | €3k | ▲ 1,388% |
| Profit (loss) for the period before taxes9903 | - | €198k | €-129k | ▼ 165% |
| Income taxes67/77 | - | - | €45k | - |
| Profit (loss) for the period9904 | - | €198k | €-174k | ▼ 188% |
| Profit (loss) for the period to be appropriated9905 | - | €198k | €-174k | ▼ 188% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €0 | €417k | €265k | ▼ 36.6% |
| Fixed assets21/28 | - | €69k | €69k | = |
| Financial fixed assets28 | - | €69k | €69k | = |
| Current assets29/58 | €0 | €348k | €195k | ▼ 43.9% |
| Amounts receivable within one year40/41 | - | €345k | €194k | ▼ 43.8% |
| Trade receivables40 | - | €345k | €192k | ▼ 44.3% |
| Other amounts receivable41 | - | - | €2k | - |
| Cash at bank and in hand54/58 | €0 | €3k | €1k | ▼ 60.5% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €0 | €417k | €265k | ▼ 36.6% |
| Equity10/15 | - | €198k | €24k | ▼ 88.1% |
| Profit (loss) carried forward14 | - | €198k | €24k | ▼ 88.1% |
| Amounts payable17/49 | €0 | €219k | €241k | ▲ 9.9% |
| Amounts payable within one year42/48 | €0 | €219k | €241k | ▲ 9.9% |
| Trade debts44 | - | €66k | €133k | ▲ 102% |
| Suppliers440/4 | - | €66k | €133k | ▲ 102% |
| Taxes, remuneration and social security45 | - | €150k | €108k | ▼ 27.8% |
| Taxes450/3 | - | €50k | €77k | ▲ 53.4% |
| Remuneration and social security454/9 | - | €100k | €31k | ▼ 68.5% |
| Other amounts payable47/48 | €0 | €4k | - | - |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | - | €198k | €-174k | ▼ 188% |
| Operating cash flow (approximation) | - | €198k | €-174k | ▼ 188% |
| Investment in fixed assets (approximation) | - | - | €0 | - |
| Change in cash | - | €3k | €-2k | ▼ 160% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
12-05
KBO administration
Address struck
2024
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
SignalNBB filing
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 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, Anderlecht · 1 establishment unit since 2022
Ground area
5,626 m²
Building footprint
2,677 m²
Volume, LiDAR
21,072 m³
2 parcels, Brussels, Flanders · tallest building 40.0 m, ±2 floors. Linked by address, not a title deed.
185
companies at this address
See who is registered here
1 establishment unit
PANO-EXTRA
since 20222.351.364.132
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41038A0559/00W000 | Flanders | 3,314 m² | 1 · 953 m² | 8.0 m · 2 fl. |
| 21306D0325/00F000 | Brussels | 2,312 m² | 1 · 1,725 m² | 40.0 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,585 companies in sector 49410 we hold annual accounts for 8,198. 5,179 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
Founded07-10-2022
Fiscal year end31-12
Activities, NACEBEL 2025
49410Freight transport by road
Scores and ratios are computed by Checked and are not a credit decision.