Panolino
ActivePanolino has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67k and a net result of €33k. Its solvency ranks better than 71% of 7017 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+22
Growth78
Track record82
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.5 against 1.64 in 2024; short-term debt: 24.7% and cash: 40.2% of total assets), and 24.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
75.3%
Return on assets
37.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
16 d early
2024
6 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€67k▲ 97.2%
2024 · €34k
2024: €34k
2024 → 2025
Total assets
€89k▲ 38.3%
2024 · €64k
2024: €64k
2024 → 2025
Net result
€33k▲ 0.2%
2024 · €33k
2024: €33k
2024 → 2025
Working capital
€55k▲ 181%
2024 · €19k
2024: €19k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€34k-€67k▲ 97.2%
Operating result€42k-€42k▲ 0.2%
Net result€33k-€33k▲ 0.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 0% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89k
Fixed assets
€12k▼ 15.5%
Current assets
€76k▲ 53.9%
Equity and liabilities €89k
Equity
€67k▲ 97.2%
Debt
€22k▼ 27.7%
The debt ratio falls from 47.2% to 24.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44k▲
2024 · €43k
Cash flow
€35k▲
2024 · €34k
Solvency
75.3%▲
2024 · 52.8%
Current ratio
3.50▲
2024 · 1.64
Quick ratio
3.50▲
2024 · 1.64
Debt / equity
0.33▼
2024 · 0.89
ROE
49.3%▼
2024 · 97.0%
ROA
37.1%▼
2024 · 51.3%
Interest coverage
585.56
Debt
€22k▼
2024 · €30k
Debt ≤ 1 year
€22k▼
2024 · €30k
Income taxes
€9k▲
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€64k€89k▲
Fixed assets21/28€14k€12k▼
Tangible fixed assets22/27€14k€12k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€8k€6k▼
Other tangible fixed assets26€5k€4k▼
Current assets29/58€50k€76k▲
Amounts receivable within one year40/41€12k€14k▲
Trade receivables40€12k€14k▲
Other amounts receivable41-€8
Current investments50/53€10k€25k▲
Cash at bank and in hand54/58€25k€36k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€64k€89k▲
Equity10/15€34k€67k▲
Contributions10/11€1k€1k=
Reserves13€33k€66k▲
Distributable reserves133€33k€66k▲
Amounts payable17/49€30k€22k▼
Amounts payable within one year42/48€30k€22k▼
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€9k€7k▼
Taxes450/3€9k€7k▼
Other amounts payable47/48€17k€12k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8-€120
Gross operating margin9900€43k€44k▲
Operating profit (loss)9901€42k€42k▲
Financial income75/76B€4€87▲
Recurring financial income75€4€87▲
Financial charges65/66B-€76
Recurring financial charges65-€76
Profit (loss) for the period before taxes9903€42k€42k▲
Income taxes67/77€9k€9k▲
Profit (loss) for the period9904€33k€33k▲
Profit (loss) for the period to be appropriated9905€33k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€33k▲
Transfer to equity691/2€33k€33k▲
To other reserves6921€33k€33k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 3.50
Current ratio from 1.64 to 3.50; short-term debt falls from €30k to €22k.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Hove · 1 establishment unit since 2024
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Albert Beyltjensstraat 62540 HoveGround area
520 m²
Building footprint
126 m²
Volume, LiDAR
741 m³
Parcel 11021B0122/00F002, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Panolino
since 20242.354.545.633
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11021B0122/00F002 | Flanders | 520 m² | 1 · 126 m² | 10.4 m · 2 fl. |
Linked by address, not proof of ownership
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.
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,900. 5,589 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2024
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.