Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 2 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2023 and 2024.
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Tight liquidity NBB
Cash and receivables cover 10 % of short-term debt in 2024; threshold 65 %.
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Late annual account NBB
Fiscal year 2024 was filed 382 days after the legal deadline.
Financials
Financial year 2024
PANORAMA from Turnhout, company number BE0690885270, closed financial year 2024 with a result of € -57,819 after tax. For that financial year PANORAMA recorded a gross margin of € 84,047 and equity of € -155,084. Compared with financial year 2023, the result moved from € -171,406 to € -57,819. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 17, 2026.
€ -155,084
▼ € 57,819 vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -57,819
▲ 66 % less loss than in 2023
Profit after tax over the fiscal year.
€ 8,723
▲ 172% vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -173,684.
People and assets in 2024
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 91,132
▼ 48% vs 2023
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2024
€ 107,674
▼ 31% vs 2023
€ 49,046 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 59,923
▲ 50% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 32,450
▲ 19% vs 2023
Taxes, VAT and social contributions still to pay.
| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 124,950 | € 107,504 | € 87,398 | € 84,047 | ▼ 4% |
| Profit after taxes | € 8,255 | € -8,616 | € -171,406 | € -57,819 | ▲ € 113,586 |
| Equity | € 82,758 | € 74,141 | € -97,265 | € -155,084 | ▼ € 57,819 |
| Total debts | € 30,270 | € 26,754 | € 286,054 | € 313,666 | ▲ 10% |
| Cash | € 3,982 | € 44,978 | € 3,203 | € 8,723 | ▲ 172% |
| Land & buildings | € 1,944 | € 972 | - | - | |
| Retained profit | € 64,158 | € 55,541 | € -117,725 | € -173,684 | ▼ € 55,959 |
| Bank debt | € 22,085 | € 11,713 | € 155,671 | € 107,674 | ▼ 31% |
| Balance sheet total | € 113,028 | € 100,895 | € 188,790 | € 158,582 | ▼ 16% |
Key figures of PANORAMA, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to PANORAMA?
What happened at PANORAMA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: loss of € 57,819. filed late Source: NBB ↗
- New establishment in Turnhout. KBO
- Start of the company according to the CBE. KBO
In short
From € 8,255 profit in 2021 to € 57,819 loss in 2024.
Paid € 2,153 in corporate taxes since 2021.
Best year ever: 2021, with € 8,255 profit.
Management
The stake of PHIBO MANAGEMENT comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
PANORAMABehind PANORAMA is Philippe Boermans. The shares are held by PHIBO MANAGEMENT (50%).
Directors
According to the 2024 annual accounts
Shareholders
50%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Driezenstraat 34
2300 Turnhout
Uitbreidingstraat 2
2300 Turnhout
Active since 1 February 2023
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0690.885.270
- VAT number
- BE 0690.885.270
- Registered office
- Driezenstraat 34, 2300 Turnhout
- Names & denominations
- PANORAMA
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 February 2018
- Peppol
- Active · Active since 31 Oct 2023
- Activities · NACE
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