Skip to content
Checked.be
Complete company report
Generated 23-07-2026
Active BE 0448.093.775Private limited company

PANORAMA

Rue Boulanger 5 ·4681 Oupeye, Belgium· 33 yrs active
Sector: Retail trade (47742)
Conclusion Checked

The computed 12-month bankruptcy probability of PANORAMA is 0.6% (low). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 33 yrs
Board 1
Locations 1
Publications 3
Bankruptcy probability (12 mo) Checked model v1 · free
0.6% Low
0%0,5%1,5%4%10%≥25%
Long track record −Higher-failure-rate sector +Higher-failure-rate region +

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
Long-established
Founded in 1992, 33 years in business.
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
Financial overview10 NBB filings
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2024 (micro). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 micro 21-09-2025 2025-00511303
31-12-2023 micro 26-08-2024 2024-00380423
31-12-2022 micro 30-08-2023 2023-00381904
31-12-2021 micro 31-08-2022 2022-20398846
31-12-2020 micro 23-09-2021 2021-68200317
31-12-2019 micro 31-10-2020 2020-68500143
31-12-2018 micro 30-08-2019 2019-61300272
31-12-2017 micro 24-09-2018 2018-64300298
31-12-2016 micro 31-08-2017 2017-58100498
31-12-2015 volledig 30-08-2016 2016-52800106
Directors & mandates 1 directors
Current directors & mandates
  • Didier JACQUE
    Director
    State Gazette act 24306768 (05-01-2024)
    Current
    05-01-2024 → present
    2 events
    • 05-01-2024 Mandate renewed· Director
    • 05-01-2024 Resigned· Manager
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Retail trade(47742)
Legal form Private limited company(610)
Incorporation03-09-1992
StatusActive
Postal code4681
Establishment units 1 location
PANORAMA
Rue du Brou 36, 4800 VerviersDetailhandel in optische artikelen (inclusief brillen), fotografische artikelen (inclusief films) en precisieinstrumenten
since 19922.058.985.841
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.

Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62049A0639/00F000 Wallonia 741 m² 1 · 336 m² -
63079A0748/00P000 Wallonia 145 m² 1 · 95 m² 19.1 m · 6 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 13 events

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

2025
07-11-2025
State Gazette act Registered-office change
v3.2
21-09-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
26-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
05-01-2024
State Gazette act Director changes
v3.2
2023
30-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
31-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
23-09-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
31-10-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
30-08-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
24-09-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
31-08-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
30-08-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
2015
22-07-2015
State Gazette act Registered-office change
v3.2
Belgisch Staatsblad, acts 3 acts
Address history · 2
07-11-2025
v3.2
22-07-2015
v3.2
All acts · 3 updated 8 months ago
2025
07-11-2025 Registered office moved from Hermalle Sous Argenteau to VERVIERS Registered-office change
  • Rue Boulanger 5, 4681 Hermalle Sous Argenteau → Rue du Brou 47, 4800 VERVIERS
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "VERVIERS",
        "region": null,
        "street": "Rue du Brou",
        "country": "BE",
        "postcode": "4800",
        "box_number": null,
        "street_number": "47"
      },
      "old_address": {
        "city": "Hermalle Sous Argenteau",
        "region": null,
        "street": "Rue Boulanger",
        "country": "BE",
        "postcode": "4681",
        "box_number": null,
        "street_number": "5"
      },
      "effective_date": "2025-07-01",
      "evidence_quote": "Les activit\u00E9s sont transf\u00E9r\u00E9es au 47 de la rue du Brou \u00E0 4800 VERVIERS"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0448.093.775",
    "name_full": "PANORAMA",
    "legal_form": "SRL"
  }
}
2024
05-01-2024 1 resigning, 1 reappointed Director changes
  • Didier JACQUE, Zaakvoerder
  • Didier JACQUE, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Didier JACQUE",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide de mettre fin \u00E0 la fonction du g\u00E9rant actuel, mentionn\u00E9 ci-apr\u00E8s, et proc\u00E8de imm\u00E9diatement au renouvellement de leur nomination comme administrateur non statutaire pour une dur\u00E9e illimit\u00E9e : -Monsieur Didier JACQUE, pr\u00E9nomm\u00E9, repr\u00E9sent\u00E9 comme dit ci-dessus et qui accepte."
    },
    {
      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Didier JACQUE",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide de mettre fin \u00E0 la fonction du g\u00E9rant actuel, mentionn\u00E9 ci-apr\u00E8s, et proc\u00E8de imm\u00E9diatement au renouvellement de leur nomination comme administrateur non statutaire pour une dur\u00E9e illimit\u00E9e : -Monsieur Didier JACQUE, pr\u00E9nomm\u00E9, repr\u00E9sent\u00E9 comme dit ci-dessus et qui accepte."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0448.093.775",
    "name_full": "PANORAMA",
    "legal_form": "SPRL"
  }
}
2015
22-07-2015 Registered office moved from Liège to Hermalle-sous-Argenteau Registered-office change
  • Féronstrée 101, 4000 Liège → rue boulanger 5, 4681 Hermalle-sous-Argenteau
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Hermalle-sous-Argenteau",
        "region": null,
        "street": "rue boulanger",
        "country": "BE",
        "postcode": "4681",
        "box_number": null,
        "street_number": "5"
      },
      "old_address": {
        "city": "Li\u00E8ge",
        "region": null,
        "street": "F\u00E9ronstr\u00E9e",
        "country": "BE",
        "postcode": "4000",
        "box_number": null,
        "street_number": "101"
      },
      "effective_date": "2015-06-01",
      "evidence_quote": "Le si\u00E8ge social est transf\u00E9r\u00E9 au 5 de la rue boulanger \u00E0 4681 Hermalle-sous-Argenteau"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0448.093.775",
    "name_full": "PANORAMA",
    "legal_form": "SPRL"
  }
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Detailhandel in corrigerende brillen, lenzen en zonnebrillen47742Detailhandel in fotografische en optische artikelen en in precisieinstrumenten in gespecialiseerde winkels47782Gespecialiseerde detailhandel in optische en fotografische artikelen, foto- en filmapparatuur, optische en precisie-instrumenten52485
Primary activity highlighted.
Names & trade names
Legal nameFR PANORAMA
Registered office
Rue Boulanger 5
4681 Oupeye, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Same NACE
COMPTOIR CENTRAL D'OPTIQUE BE 0423.789.634 · Seraing
Maison BUISSERET BE 0415.675.880 · Liège
Optique Lambotte BE 0442.924.467 · Amay
OPTIQUE PONCIN BE 0473.848.265 · Malmedy
Optique Serexhe BE 0447.119.916 · Seraing
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative