PANTECH
ActivePANTECH has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.44M and a net result of €168k. Equity is growing by ~2.5% per year across the filed fiscal years. Its solvency ranks better than 73% of 711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability24▲+8
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €300k at 30 days acceptable
Liquidity ample (current ratio 3.15 against 51.64 in 2024), and 31.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
68.2%
Return on assets
3.3%
Age of the figures
8 mo
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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
42 d early
2023
29 d early
2022
47 d early
2021
39 d early
2020
23 d early
2019
46 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€168k▲ 62.5%
2024 · €103k
2018: €-50k
2019: €-23k
2020: €30k
2021: €89k
2022: €39k
2023: €28k
2024: €103k
2018 → 2025
Working capital
€3.44M▲ 5.1%
2024 · €3.27M
2018: €2.15M
2019: €3.18M
2020: €3.21M
2021: €3.30M
2022: €3.14M
2023: €3.17M
2024: €3.27M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.10M-€3.14M▲ 1.3%€3.17M▲ 0.9%€3.27M▲ 3.3%€3.44M▲ 5.1%
Operating result€-84k-€-72k▲ 14.2%€-78k▼ 7.6%€-42k▲ 45.7%€-40k▲ 4.8%
Net result€89k-€39k▼ 55.8%€28k▼ 29.0%€103k▲ 271%€168k▲ 62.5%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €40k in 2025 against €42k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.04M
Fixed assets
€164=
Current assets
€5.04M▲ 51.1%
Equity and liabilities €5.04M
Equity
€3.44M▲ 5.1%
Debt
€1.60M▲ 2,377%
The debt ratio rises from 1.9% to 31.8%: debt grows faster than equity.
Key figures and ratios
Solvency
68.2%▼
2024 · 98.1%
Current ratio
3.15▼
2024 · 51.64
Quick ratio
3.15▼
2024 · 51.64
Debt / equity
0.47▲
2024 · 0.02
ROE
4.9%▲
2024 · 3.2%
ROA
3.3%▲
2024 · 3.1%
Debt
€1.60M▲
2024 · €65k
Debt ≤ 1 year
€1.60M▲
2024 · €65k
Income taxes
€-119▼
2024 · €164
Staff costs
€11k▼
2024 · €30k
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€3.34M€5.04M▲
Fixed assets21/28€164€164=
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€0€0=
Furniture and vehicles24€0€0=
Financial fixed assets28€164€164=
Current assets29/58€3.34M€5.04M▲
Amounts receivable after more than one year29€71k€71k=
Other amounts receivable291€71k€71k=
Stocks and contracts in progress3€59€59=
Stocks30/36€59€59=
Amounts receivable within one year40/41€166k€91k▼
Trade receivables40€4k€3k▼
Other amounts receivable41€161k€88k▼
Current investments50/53€2.97M€4.73M▲
Cash at bank and in hand54/58€7k€22k▲
Deferred charges and accrued income490/1€124k€125k▲
Equity and liabilities
Total equity and liabilities10/49€3.34M€5.04M▲
Equity10/15€3.27M€3.44M▲
Contributions10/11€3.12M€3.12M=
Capital10€3.12M€3.12M=
Issued capital100€3.12M€3.12M=
Reserves13€42k€51k▲
Non-distributable reserves130/1€42k€51k▲
Legal reserve130€42k€51k▲
Profit (loss) carried forward14€109k€268k▲
Amounts payable17/49€65k€1.60M▲
Amounts payable within one year42/48€65k€1.60M▲
Financial debts43€0€0=
Other loans439€0€0=
Trade debts44€3k€597▼
Suppliers440/4€3k€597▼
Taxes, remuneration and social security45€410€162▼
Taxes450/3€318€70▼
Remuneration and social security454/9€92€92=
Other amounts payable47/48€61k€1.60M▲
Accrued charges and deferred income492/3-€277
Income statement
Code20242025
Remuneration, social security and pensions62€30k€11k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€-10k€-28k▼
Operating profit (loss)9901€-42k€-40k▲
Financial income75/76B€153k€222k▲
Recurring financial income75€153k€222k▲
Financial charges65/66B€7k€14k▲
Recurring financial charges65€7k€14k▲
Profit (loss) for the period before taxes9903€104k€168k▲
Income taxes67/77€164€-119▼
Profit (loss) for the period9904€103k€168k▲
Profit (loss) for the period to be appropriated9905€103k€168k▲
Appropriation of the result
Profit (loss) to be appropriated9906€114k€277k▲
Profit (loss) brought forward from the previous period14P€10k€109k▲
Transfer to equity691/2€5k€8k▲
To the legal reserve6920€5k€8k▲
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (5 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €168k ▲62.5%
Operating result €-40k, net result €168k, both a record.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Liquidity doublescurrent ratio 32.59
Current ratio from 15.29 to 32.59; short-term debt falls from €220k to €100k.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Liquidity times 5current ratio 408.12
Current ratio from 82.76 to 408.12; short-term debt falls from €39k to €8k.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €30k
Net result €30k after 2 loss-making years.
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Liquidity times 20current ratio 1420.42
Current ratio from 69.94 to 1420.42; short-term debt falls from €31k to €2k.
31-12
Financial
Equity above €2MEq €2.98M ▲53.3%
Equity rises from €1.95M to €2.98M.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Ukkel · 1 establishment unit since 1988
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.
Groeselenbergstraat 37A1180 UkkelGround area
2,429 m²
Building footprint
663 m²
Volume, LiDAR
8,089 m³
2 parcels, Brussels · tallest building 16.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Groeselenbergstraat 37 A, 1180 Ukkel
since 19882.038.297.622
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612D0023/00P000 | Brussels | 1,888 m² | 1 · 457 m² | 14.9 m · 4 fl. |
| 21612D0023/00K000 | Brussels | 541 m² | 1 · 206 m² | 16.4 m · 4 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.
Recognitions · licences · registrations
Legal Entity Identifier
9676006HLVIT8CTB6W27
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,386. 14,469 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded15-12-1987
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
73200Market research and public opinion polling
74131
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
General meetings
7 convocationsOrdinary general meeting
Rapport du C.A. Approbation des comptes annuels. Affectation du résultat. Décharge aux administrateurs. Renouvellement des mandats des administrateurs.
Ordinary general meeting
• Rapport du C.A. • Approbation des comptes annuels. • Affectation du résultat. • Décharge aux administrateurs.
Extraordinary general meeting
Ordinary general meeting
Rapport du C.A. Approbation des comptes annuels. Affectation du résultat. Décharge aux administrateurs.
Ordinary general meeting
Rapport du C.A. Approbation des comptes annuels. Affecta- tion du résultat. Décharge aux administrateurs.
Show 2 more convocations
Ordinary general meeting
Ordinary general meeting
Rapport du C.A. Approbation des comptes annuels. Affecta- tion du résultat. Décharge aux administrateurs.