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PANMORA

Active
Private limited company·Cafés en bars· 6 yrs active
KBO/BCE: BE 0749.769.913
Watch Print / PDF
Age6 yrs
Board1
Real estate1 parcel · 336 m²

Summary

Conclusion

the dossier summarised in one paragraph

The KBO register records legal situation 050 for PANMORA (Register: open bankruptcy); this is today's state according to the register itself, which carries no start date. The 2022 annual accounts show equity of €3k and a net result of €585.

Based on the State Gazette, CBE and 3 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Insolvency timeline

1 events
07-05-2025
KBO administration Address struck
 · Publications in State Gazette ↗

Signals

Insufficient current data: the most recent filed accounts (financial year 2022) are too old to derive current signals.

Filing behaviour

From the deposit records, complete market-wide
Filing behaviour not assessed
The register records an open bankruptcy. From that point the trustee files and the ordinary seven-month rhythm no longer governs. The register carries no start date, so we cannot tell which filings fall before it: we show the facts and do not assess the behaviour.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2022, that is 31-07-2023.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 nothing on record not filed -
31-12-2023 31-07-2024 nothing on record not filed -
31-12-2022 31-07-2023 08-01-2024 161 d late 2024-00544437
31-12-2021 31-07-2022 08-01-2024 526 d late 2024-00544438
31-12-2020 31-07-2021 20-08-2021 20 d late 2021-52600550

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

1 signal
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.

Administrative Flags

1 event
Address struck

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€585
Working capital€90

Annual accounts & ratios

Source: NBB · 2022
Annual accounts filed on 08-01-2024 with the NBB · fiscal year 2022 · micro
€-6k€-4k€-2k€0€2kOperating result 2020: €1k€1kNet result 2020: €985€985Operating result 2021: €-4k€-4kNet result 2021: €-4k€-4kOperating result 2022: €2k€2kNet result 2022: €585€585202020212022
Operating resultNet result
Sector comparison
Fiscal year 2022 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 62.6% 16.7%
better than 86% of 3544 sector peers
Net result €585 €739
better than 49% of 3526 sector peers
Equity €3k €10k
better than 39% of 3550 sector peers
Gross operating margin €3k €35k
better than 23% of 3512 sector peers
Total assets €5k €74k
better than 5% of 3545 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P86
2020: P95 · n=12902021: P54 · n=20872022: P86 · n=35442020 2022
Stable position over 2020-2022 · n=1290-3544
Net result P49
2020: P50 · n=12822021: P30 · n=20822022: P49 · n=35262020 2022
Stable position over 2020-2022 · n=1282-3526
Equity P39
2020: P44 · n=12942021: P35 · n=20942022: P39 · n=35502020 2022
Stable position over 2020-2022 · n=1294-3550
Gross operating margin P23
2020: P19 · n=12772021: P20 · n=20702022: P23 · n=35122020 2022
Stable position over 2020-2022 · n=1277-3512
Describes the position versus peers, not a forecast.
EBITDA
€3k
- 20-22
Net profit
€585
- 20-22
Cash flow
€2k
- 20-22
Total assets
€5k
-47.0% 20-22
Equity
€3k
+22.0% 20-22
Working capital
€90
- 20-22
Staff costs
€3k
- 20-22
Debt
€2k
-72.8% 20-22
Debt ≤ 1y
€2k
-72.8% 20-22
Current ratio
1.05
+35.9% 20-22
Quick ratio
1.05
+35.9% 20-22
Solvency
62.6%
+130.3% 20-22
Debt / equity
0.60
-77.7% 20-22
ROE
18.0%
- 20-22
ROA
11.3%
- 20-22
Interest coverage
2.43
- 20-22
Figures by fiscal year
Fiscal year2022
Depositmicro
Revenue-
EBITDA€3k
Net profit€585
Cash flow€2k
Staff costs-
Income taxes-
Dividends-
Total assets€5k
Equity€3k
Debt€2k
of which ≤ 1y€2k
of which > 1y-
Working capital€90
Employees (FTE)-
Ratios (computed)
2022
Current ratio1.05
Quick ratio1.05
Working capital ratio1.7%
Solvency62.6%
Debt / equity0.60
Long-term debt ratio-
Interest coverage2.43
Gross margin-
Net margin-
ROA11.3%
ROE18.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€5k
Fixed assets 21/28€3k
Tangible fixed assets 22/27€3k
Current assets 29/58€2k
Amounts receivable within one year 40/41€2k
Cash & bank 54/58€199
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€5k
Equity 10/15€3k
Contributions / capital 10/11€6k
Accumulated profits (losses) 14€-3k
Amounts payable 17/49€2k
Amounts payable within one year 42/48€2k
Trade debts payable within one year 44€2k
Income statement
Gross operating margin 9900€3k
Operating result 9901€2k
Financial charges 65€1k
Result before taxes 9903€585
Net result for the period 9904€585
Result to be appropriated 9905€585
You are seeing the latest fiscal year only. 2 prior years (figures + ratios) are in a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2022 · computed
24 / 100 Critical
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2022 and the legal situation the KBO register itself records. Indicative, not credit advice.

Directors

Directors & mandates

4 directors
Current directors & mandates
  • OLIVIER Sébastien Vivian
    Director
    State Gazette act 24160533 (12-11-2024)
    Current
    05-08-2024 → present
Former directors (3)
  • FAHASI Mehdi Mourad
    Director
    State Gazette act 24115564 (01-08-2024)
    Former
    30-06-2024 → 05-08-2024
    2 events
    • 05-08-2024 Resigned· Director
    • 30-06-2024 Appointed· Director
  • HANOUNE Mourad
    Director
    State Gazette act 24115564 (01-08-2024)
    Former
    - → 30-06-2024
  • AMZAL Mohamed
    Director
    State Gazette act 22150033 (20-12-2022)
    Former
    - → 23-11-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Cafés en bars(56301)
Legal form Private limited company(610)
Incorporation03-07-2020
StatusActive
Postal code-

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Establishment units

1 location
Bar Lounge
Stalingradlaan 52, 1000 BrusselCafés en bars
since 20202.305.224.596
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area336 m²
Buildings1
Building footprint340 m²
Volume (LiDAR)4,175 m³
Tallest building21.1 m · ±5 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21809K0170/02B005 Brussels 336 m² 1 · 340 m² 21.1 m · 5 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

1 event from the State Gazette
07-05-2025
KBO administration Address struck
 · Publications in State Gazette ↗

Time machine: BS events + macro context

2021-2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-05-07 · KBO administration · Address struck
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event

Belgisch Staatsblad · acts

3 acts
Address history · 1
20-12-2022
Registered-office move
All acts · 3 updated 1 year ago
2024
12-11-2024 1 director appointed, 1 resigning Director changes
  • OLIVIER Sébastien Vivian, Bestuurder
  • FAHASI Mehdi Mourad, Bestuurder
01-08-2024 1 director appointed, 1 resigning Director changes
  • FAHASI Mehdi Mourad, Bestuurder
  • HANOUNE Mourad, Bestuurder
2022
20-12-2022 Registered office moved within Charleroi Registered-office change
  • 6000 CHARLEROI- GRAND'RUE 172 → 6000 Charleroi - Rue de Dampremy 57

Analysis

Snowflake analysis

financial profile on 5 axes
Health24Profitability90Solvency78Growth32Stability0
45 / 100

Mixed profile: strong on profitability, weaker on stability.

All 5 axes are computed from data Checked has read.

Health 24
Profitability 90
Solvency 78
Growth 32
Stability 0

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.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,389 of the 13,887 companies in this sector. 853 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Cafés en bars56301Cafés en bars56301
Primary activity highlighted.
Names & trade names
Legal nameFR PANMORA
Registration history
  1. 07-05-2025 Address struck
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.