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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Two loss years in a row NBB
Negative result in 2024 and 2025.
Financials
Financial year 2025
Panorame from Heist-op-den-Berg, company number BE0694741615, closed financial year 2025 with a result of € -24,058 after tax. For that financial year Panorame recorded a gross margin of € 12,884 and equity of € 5,473. Compared with financial year 2024, the result moved from € -10,640 to € -24,058. The company made a loss. The buffer shrank hard: equity is 81 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 31, 2026.
€ 5,473
▼ 81% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -24,058
▼ 126 % more loss than in 2024
Profit after tax over the fiscal year.
€ 2,085
▼ 89% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -727.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 6,731
▼ 29% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 295,472
▼ 8% vs 2024
€ 29,111 is repaid this year. At this pace the long-term loan is gone in ≈ 10 years.
€ 28,595
▼ 10% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 14,610
▲ 290% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 5,798 | € 30,503 | € 29,829 | € 12,884 | ▼ 57% |
| Profit after taxes | € -6,129 | € -4,606 | € -10,640 | € -24,058 | ▼ € 13,419 |
| Equity | € 44,777 | € 40,171 | € 29,531 | € 5,473 | ▼ 81% |
| Total debts | € 450,034 | € 366,257 | € 358,405 | € 338,676 | ▼ 6% |
| Cash | € 59,165 | € 8,154 | € 19,585 | € 2,085 | ▼ 89% |
| Land & buildings | € 312,796 | € 296,744 | € 283,638 | € 261,327 | ▼ 8% |
| Retained profit | € 38,577 | € 33,971 | € 23,331 | € -727 | ▼ € 24,058 |
| Bank debt | € 360,051 | € 345,512 | € 322,579 | € 295,472 | ▼ 8% |
| Balance sheet total | € 494,812 | € 406,428 | € 387,936 | € 344,150 | ▼ 11% |
Key figures of Panorame, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Panorame?
What happened at Panorame in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 24,058. Source: NBB ↗
- New establishment in Heist-op-den-Berg. KBO
- Stijn Montens-Lataire became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 6,129 loss in 2022 to € 24,058 loss in 2025.
Management
Behind Panorame is Stijn Montens-Lataire.
Directors
According to the 2025 annual accounts
Stijn Montens-Lataire
Manager
since 2018
Establishments
Establishment units
Physical locations of this company
Liersesteenweg 207 M
2220 Heist-op-den-Berg
Liersesteenweg 207 box M
2220 Heist-op-den-Berg
Active since 13 April 2018
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0694.741.615
- VAT number
- BE 0694.741.615
- Registered office
- Liersesteenweg 207 M, 2220 Heist-op-den-Berg
- Names & denominations
- Panorame
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 13 April 2018
- Peppol
- Active · Active since 26 Jun 2026
- Activities · NACE
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