PANTEK
ActivePANTEK has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.70M and a net result of €94k. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 64% of 111 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-19
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 2.54 against 3.09 in 2024), and 35.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 20
Relative position
BE, all sectors
reference
Sector 20
lower
← fewer bankruptcies
more bankruptcies →
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
64.5%
Return on assets
3.6%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
20 d late
2022
30 d late
2021
30 d late
2020
27 d late
2019
31 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.70M▼ 3.7%
2024 · €1.77M
2018: €1.15M
2019: €1.27M
2020: €1.38M
2021: €1.42M
2022: €1.61M
2023: €1.77M
2024: €1.77M
2018 → 2025
Total assets
€2.64M▲ 3.1%
2024 · €2.56M
2018: €1.82M
2019: €1.97M
2020: €2.06M
2021: €2.22M
2022: €2.32M
2023: €2.41M
2024: €2.56M
2018 → 2025
Net result
€94k▼ 42.9%
2024 · €164k
2018: €106k
2019: €138k
2020: €155k
2021: €158k
2022: €247k
2023: €161k
2024: €164k
2018 → 2025
Working capital
€1.33M▼ 4.6%
2024 · €1.39M
2018: €907k
2019: €1.02M
2020: €1.13M
2021: €1.11M
2022: €1.23M
2023: €1.39M
2024: €1.39M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.42M-€1.61M▲ 13.3%€1.77M▲ 10.0%€1.77M▼ 0.5%€1.70M▼ 3.7%
Operating result€253k-€358k▲ 41.5%€244k▼ 31.8%€258k▲ 5.6%€151k▼ 41.5%
Net result€158k-€247k▲ 56.4%€161k▼ 34.7%€164k▲ 1.8%€94k▼ 42.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 41% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.64M
Fixed assets
€445k▼ 10.4%
Current assets
€2.19M▲ 6.3%
Equity and liabilities €2.64M
Equity
€1.70M▼ 3.7%
Debt
€936k▲ 18.3%
The debt ratio rises from 30.9% to 35.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€202k▼
2024 · €318k
Cash flow
€145k▼
2024 · €224k
Solvency
64.5%▼
2024 · 69.1%
Current ratio
2.54▼
2024 · 3.09
Quick ratio
2.35▼
2024 · 2.83
Debt / equity
0.55▲
2024 · 0.45
ROE
5.5%▼
2024 · 9.3%
ROA
3.6%▼
2024 · 6.4%
Interest coverage
4.32▼
2024 · 7.09
Debt
€936k▲
2024 · €791k
Debt ≤ 1 year
€862k▲
2024 · €667k
Debt > 1 year
€74k▼
2024 · €124k
Income taxes
€38k▼
2024 · €72k
Staff costs
€164k▼
2024 · €165k
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€2.56M€2.64M▲
Fixed assets21/28€497k€445k▼
Tangible fixed assets22/27€497k€445k▼
Land and buildings22€446k€418k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€36k€15k▼
Other tangible fixed assets26€10k€8k▼
Current assets29/58€2.06M€2.19M▲
Stocks and contracts in progress3€175k€169k▼
Stocks30/36€175k€169k▼
Amounts receivable within one year40/41€296k€261k▼
Trade receivables40€249k€213k▼
Other amounts receivable41€48k€48k▲
Current investments50/53€375k€182k▼
Cash at bank and in hand54/58€1.21M€1.57M▲
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€2.56M€2.64M▲
Equity10/15€1.77M€1.70M▼
Contributions10/11€28k€28k=
Reserves13€1.74M€1.67M▼
Distributable reserves133€1.74M€1.67M▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€791k€936k▲
Amounts payable after more than one year17€124k€74k▼
Financial debts170/4€124k€74k▼
Amounts payable within one year42/48€667k€862k▲
Trade debts44€21k€11k▼
Suppliers440/4€21k€11k▼
Taxes, remuneration and social security45€35k€27k▼
Taxes450/3€17k€10k▼
Remuneration and social security454/9€18k€17k▼
Other amounts payable47/48€611k€825k▲
Accrued charges and deferred income492/3€468€488▲
Income statement
Code20242025
Non-recurring operating income76A€129€0▼
Remuneration, social security and pensions62€165k€164k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€51k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€864€7k▲
Other operating charges640/8€7k€7k▲
Gross operating margin9900€491k€381k▼
Operating profit (loss)9901€258k€151k▼
Financial income75/76B€23k€28k▲
Recurring financial income75€23k€28k▲
Financial charges65/66B€45k€47k▲
Recurring financial charges65€45k€47k▲
Profit (loss) for the period before taxes9903€236k€132k▼
Income taxes67/77€72k€38k▼
Profit (loss) for the period9904€164k€94k▼
Profit (loss) for the period to be appropriated9905€164k€94k▼
Appropriation of the result
Profit (loss) to be appropriated9906€164k€94k▼
Transfer from equity791/2€173k€160k▼
Transfer to equity691/2€164k€94k▼
To other reserves6921€164k€94k▼
Profit to be distributed694/7€173k€160k▼
Return on contributions (dividend)694€173k€160k▼
Social balance
Average headcount (FTE)90872.92.6▼
The notes to these accounts (15 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €94k ▼42.9%
Net result drops to €94k, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 26 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 20 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €247k ▲56.4%
Operating result €358k, net result €247k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Wielsbeke · 1 establishment unit since 1977
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.
Rijksweg 3818710 WielsbekeGround area
4,066 m²
Building footprint
1,005 m²
Volume, LiDAR
7,205 m³
2 parcels, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rijksweg 369, 8710 Wielsbeke
since 19772.013.812.941
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37017A0191/00S003 | Flanders | 2,647 m² | 1 · 889 m² | 10.4 m · 2 fl. |
| 37017A0190/00H003 | Flanders | 1,420 m² | 1 · 116 m² | 10.8 m · 3 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
Injextru Plastics
BE 0405.190.972
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Fomicom
BE 0891.280.144
Maldegem · Eq €1.44M
Loomans Technics
BE 0832.739.357
Pelt · Eq €1.40M
National Gent Performance Polymers
BE 0754.837.073
Gent · Eq €1.33M
isomasters
BE 0660.716.488
Waregem · Eq €2.42M
Of 138 companies in sector 20160 we hold annual accounts for 94. 49 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-1977
Fiscal year end31-12
Activities, NACEBEL
20160Manufacture of chemicals and chemical products
46831Wholesale of construction materials, general range
51532
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.