Active BE 0421.706.015Private limited company (pre-2019)

PANO-INVEST

Bondgenotenlaan 89 ·3000 Leuven, Belgium· 45 yrs active

Sector: Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden (56112)

Conclusion Checked

The computed 12-month bankruptcy probability of PANO-INVEST is 1.0% (low). The 2025 annual accounts show negative equity (€-7k). The company has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Key figures

Equity	€-7k
Active	45 yrs

Financial profile 2 of 5 axes measured · computed by Checked

We have read too little about this company to state a profile. That is neither reassurance nor a warning.

Computed on 2 of 5 axes. Not measured: health, profitability, growth. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability -

Solvency 33

Growth -

Stability 85

Bankruptcy probability (12 mo) Checked model v1 · free

1.0% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Long track record −

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 2 signals

Long-established

Founded in 1981, 45 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer

No health score: the filing is too brief

The accounts filed for FY 2025 supply 2 of the 6 factors this model weighs. Below 3 we publish no score, because it would mostly describe the model rather than this company.

This is not a judgement about the company. Micro and abbreviated schemas may omit turnover (rubriek 70), which makes the EBITDA margin and often the interest coverage impossible to compute.

Financial overview44 NBB filings

Annual accounts filed on 26-08-2026 with the NBB · fiscal year 2025 · micro

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	-
Net profit	-
Cash flow	-
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€29
Equity	€-7k
Debt	€7k
of which ≤ 1y	€7k
of which > 1y	-
Working capital	€-7k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	0.00
Quick ratio	0.00
Working capital ratio	-22620.7%
Solvency	-22620.7%
Debt / equity	-1.00
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	-
ROE	-
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Full annual accounts (10 line items)

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

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€29
Current assets	29/58	€29
Cash & bank	54/58	€29
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€29
Equity	10/15	€-7k
Contributions / capital	10/11	€19k
Reserves	13	€14k
Accumulated profits (losses)	14	€-39k
Amounts payable	17/49	€7k
Amounts payable within one year	42/48	€7k

Ratios computed by Checked.

Legal Structure

NACE primary	Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden(56112)
Legal form	Private limited company (pre-2019)(015)
Incorporation	26-06-1981
Status	Active
Postal code	3000

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.
24502B0166/00S006 ProtectedTownscape or village viewBondgenotenlaanSource ↗	Flanders	206 m²	1 · 107 m²	15.0 m · 4 fl.

Methodology

via registered seat: 1

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

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

1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).

Updates 10 events

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

2026

26-08-2026