Summary
PANOPTES 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 €1.48M and a net result of €384k. Equity is growing by ~25.8% per year across the filed fiscal years. Its solvency ranks better than 53% of 2399 sector peers (fiscal year 2025). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
9 d early
2023
9 d early
2022
8 d early
2021
19 d late
2020
3 d early
2019
9 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€1.48M▼ 5.6%
2024 · €1.57M
2019: €373k
2020: €396k
2021: €603k
2022: €626k
2023: €722k
2024: €1.57M
2019 → 2025
Net result
€384k▼ 67.5%
2024 · €1.18M
2019: €-17k
2020: €23k
2021: €206k
2022: €23k
2023: €97k
2024: €1.18M
2019 → 2025
Total assets
€2.28M▼ 10.7%
2024 · €2.56M
2019: €1.30M
2020: €1.29M
2021: €1.55M
2022: €1.57M
2023: €2.66M
2024: €2.56M
2019 → 2025
Solvency
64.8%▲ 3.5pp
2024 · 61.3%
2019: 28.7%
2020: 30.8%
2021: 38.8%
2022: 39.8%
2023: 27.2%
2024: 61.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€603k-€626k▲ 3.8%€722k▲ 15.4%€1.57M▲ 117%€1.48M▼ 5.6%
Operating result€89k-€54k▼ 39.3%€174k▲ 224%€533k▲ 206%€289k▼ 45.9%
Net result€206k-€23k▼ 88.8%€97k▲ 320%€1.18M▲ 1,121%€384k▼ 67.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 46% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.28M
Fixed assets
€1.86M ▲ 0.6%
Current assets
€418k ▼ 40.5%
Equity and liabilities €2.28M
Equity
€1.48M ▼ 5.6%
Debt
€803k ▼ 18.8%
Debt's share of the balance-sheet total falls from 38.7% to 35.2%. Equity and debt are lower.
Key figures and ratios
ROE
25.9%▼
2024 · 75.2%
ROA
16.8%▼
2024 · 46.1%
Debt ≤ 1 year
€334k▼
2024 · €386k
Debt > 1 year
€469k▼
2024 · €603k
Income taxes
€73k▼
2024 · €125k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.56M€2.28M▼
Fixed assets21/28€1.85M€1.86M▲
Tangible fixed assets22/27€369k€380k▲
Land and buildings22€364k€375k▲
Other tangible fixed assets26€5k€5k=
Financial fixed assets28€1.48M€1.48M=
Current assets29/58€702k€418k▼
Amounts receivable within one year40/41€222k€5k▼
Trade receivables40€36k€0▼
Other amounts receivable41€186k€5k▼
Current investments50/53€470k€388k▼
Cash at bank and in hand54/58€9k€23k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€2.56M€2.28M▼
Equity10/15€1.57M€1.48M▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Revaluation surpluses12€0-
Reserves13€1.51M€1.42M▼
Non-distributable reserves130/1€12k€12k=
Legal reserve130€12k€12k=
Distributable reserves133€1.49M€1.41M▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€989k€803k▼
Amounts payable after more than one year17€603k€469k▼
Financial debts170/4€603k€469k▼
Amounts payable within one year42/48€386k€334k▼
Current portion of amounts payable after more than one year42€132k€134k▲
Trade debts44€3k€104▼
Suppliers440/4€3k€104▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€24k€24k▲
Taxes450/3€24k€24k▲
Other amounts payable47/48€227k€176k▼
Income statement
Code20242025
Other operating charges640/8€2k€1k▼
Gross operating margin9900€536k€290k▼
Operating profit (loss)9901€533k€289k▼
Financial income75/76B€814k€185k▼
Recurring financial income75€814k€185k▼
Financial charges65/66B€44k€18k▼
Recurring financial charges65€44k€18k▼
Profit (loss) for the period before taxes9903€1.30M€456k▼
Income taxes67/77€125k€73k▼
Profit (loss) for the period9904€1.18M€384k▼
Profit (loss) for the period to be appropriated9905€1.18M€384k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.18M€384k▼
Transfer from equity791/2€217k€300k▲
Transfer to equity691/2€1.18M€212k▼
To other reserves6921€1.18M€212k▼
Profit to be distributed694/7€217k€472k▲
Return on contributions (dividend)694€217k€472k▲
The notes to these accounts (18 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2019net €1.18M ▲1,121%
Operating result €533k, net result €1.18M, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.82
Current ratio from 0.69 to 1.82; short-term debt falls from €1.13M to €386k.
31-12
Financial
Equity above €1MEq €1.57M ▲117%
5 profitable years in a row build equity to €1.57M.
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
23-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
19-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 19 days late
2021
31-05
Financial
Equity above €500kEq €603k ▲52%
2 profitable years in a row build equity to €603k.
2020
28-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-05
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
09-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 9 days late
Show earlier events
2019
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 15 days late
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Wortegem-Petegem · 1 establishment unit since 2001
Ground area
6,955 m²
Building footprint
340 m²
Volume, LiDAR
2,042 m³
Parcel 45039C0331/00E000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PANOPTES
since 20012.093.102.325
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45039C0331/00E000 ProtectedCultural-historical landscapeKloostersite ‘Abdij van Beaulieu’ met Steenkouter, Kloosterkouter en LangemeersenSource ↗ |
Flanders | 6,955 m² | 1 · 340 m² | 9.5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 5,970 EUR awarded · 5,970 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 5,970 EUR | 5,970 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
6994004IXPD11CU1NO05
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Of 186 companies in sector 64910 we hold annual accounts for 133. 91 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded30-10-2000
Fiscal year end31-12
Activities, NACEBEL 2025
64910Financial service activities, except insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.