PANORAMA B2B
PANORAMA B2B is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.62M and a net result of €563k. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 81% of 498 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €1.62M |
| Net result | €563k |
| Staff (FTE) | 3.1 |
| Better than sector | 81% |
Strong profile, led by profitability.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
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).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 80.5% | 43.2% | |
| Net result | €563k | €68k | |
| Equity | €1.62M | €492k | |
| Gross operating margin | €1.03M | €83k | |
| Staff costs | €175k | €72k |
| Fiscal year | 2025 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €563k |
| Cash flow | n/a |
| Staff costs | €175k |
| Income taxes | €262k |
| Dividends | €292k |
| Total assets | €2.01M |
| Equity | €1.62M |
| Debt | €391k |
| of which ≤ 1y | €391k |
| of which > 1y | - |
| Working capital | n/a |
| Employees (FTE) | 3.1 |
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 80.5% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 28.0% |
| ROE | 34.8% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €2.01M |
| Fixed assets | 21/28 | €551k |
| Tangible fixed assets | 22/27 | €159k |
| Financial fixed assets | 28 | €392k |
| Current assets | 29/58 | €1.46M |
| Amounts receivable within one year | 40/41 | €739k |
| Investments | 50/53 | €0 |
| Cash & bank | 54/58 | €719k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €2.01M |
| Equity | 10/15 | €1.62M |
| Contributions / capital | 10/11 | €7k |
| Reserves | 13 | €1.61M |
| Accumulated profits (losses) | 14 | €0 |
| Amounts payable | 17/49 | €391k |
| Amounts payable within one year | 42/48 | €391k |
| Trade debts payable within one year | 44 | €252k |
| Income statement | ||
| Gross operating margin | 9900 | €1.03M |
| Operating result | 9901 | €800k |
| Financial income | 75 | €32k |
| Financial charges | 65 | €7k |
| Result before taxes | 9903 | €825k |
| Income taxes | 67/77 | €262k |
| Net result for the period | 9904 | €563k |
| Result to be appropriated | 9905 | €563k |
| NACE primary | Financial services(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 07-07-2022 |
| Status | Active |
| Postal code | 8200 |
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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31030A0810/00A000 | Flanders | 1,650 m² | 1 · 436 m² | 9.8 m |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
05-12-2024 Articles of association amended, translation of the articles, coordination of the articles and amendment of specific articles
Technical details
{
"notary": {
"name": "H\u00E9l\u00E8ne DUSSELIER",
"firm_city": null,
"firm_name": "NOTARIS H\u00C9L\u00C8NE DUSSELIER BV",
"office_city": "Meulebeke",
"is_associated": true
},
"act_meta": {
"language": "nl",
"pub_date": "2024-12-05",
"filing_date": "2024-12-03",
"act_kind_objet": "STATUTEN (VERTALING, COORDINATIE, OVERIGE WIJZIGINGEN), BENAMING"
},
"decision": {
"body": "buitengewone_algemene_vergadering",
"act_date": "2024-12-03",
"unanimous": true
},
"statute_change": {
"kinds": [
"translation",
"coordination",
"targeted_amendment",
"name_change"
],
"scope": "full_restatement",
"trigger": "wvv_adaptation",
"language_after": "nl",
"language_before": "nl"
},
"bedrijfsrevisor": null,
"subject_company": {
"kbo": "0788.369.082",
"name_full_after": "PANORAMA B2B",
"legal_form_after": "BESloten Vennootschap",
"name_full_before": "PANORAMAN",
"current_zetel_raw": "Torhoutse Steenweg 362 bus 102 8200 Brugge",
"legal_form_before": "BESloten Vennootschap"
},
"special_mandates": [],
"articles_modified": [
{
"summary": "De vennootschap neemt de vorm aan van een besloten vennootschap en verkrijgt de naam \u0022PANORAMA B2B\u0022.",
"new_text": "De vennootschap neemt de vorm aan van een besloten vennootschap. Zij verkrijgt de naam \u0022PANORAMA B2B\u0022.",
"change_kind": "replaced",
"article_title": null,
"article_number": "1"
}
],
"governance_change": null,
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "H\u00E9l\u00E8ne Dusselier",
"org_rep_person_name": null
},
"co_filed_documents": [
"de geco\u00F6rdineerde tekst der statuten"
],
"shareholder_rights": null,
"voorwerp_change_summary": null,
"capital_structure_change": null,
"coordinated_text_lineage": null
}05-11-2024 Registered office moved within Brugge
- Torhoutse Steenweg 344, 8200 Brugge → 8200 Brugge, Torhoutse Steenweg 362 bus 0102
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "siege_social",
"new_address": {
"raw": "8200 Brugge, Torhoutse Steenweg 362 bus 0102",
"city": "Brugge",
"region": "vlaams_gewest",
"street": "Torhoutse Steenweg",
"country": "BE",
"postcode": "8200",
"box_number": "0102",
"street_number": "362",
"locality_suffix": null
},
"old_address": {
"raw": "Torhoutse Steenweg 344, 8200 Brugge",
"city": "Brugge",
"region": "vlaams_gewest",
"street": "Torhoutse Steenweg",
"country": "BE",
"postcode": "8200",
"box_number": null,
"street_number": "344",
"locality_suffix": null
},
"effective_date": null,
"evidence_quote": "",
"region_changed": false,
"is_statute_change": false,
"nationality_change": false,
"old_address_source": "header_volledig_adres",
"statute_clause_text": null,
"statute_article_number": null,
"effective_date_qualifier": "immediate",
"statutaire_vs_werkelijke": null,
"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": "2024-11-05",
"filing_date": "2024-10-24",
"act_kind_objet": "Zetel (zetelverplaatsing)"
},
"decision": {
"body": "enige_bestuurder",
"date": "2024-09-06",
"unanimous": null
},
"subject_company": {
"kbo": "0788.369.082",
"name_full": "Panoraman",
"legal_form": "BV"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Dennis Rommel",
"org_rep_person_name": null,
"person_role_at_subject": "bestuurder"
},
"co_filed_documents": [
"Bijlagen bij het Belgisch Staatsblad",
"Annexes du Moniteur belge"
]
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameNL | PANORAMA B2B |