Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 40 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
11 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
Pandect from Antwerpen, company number BE0726969666, closed financial year 2025 with a result of € 104,455 after tax. For that financial year Pandect recorded a gross margin of € 164,419 and equity of € 1,100. Compared with financial year 2024, the result moved from € 50,823 to € 104,455. Profitable, and profit is growing. The buffer shrank hard: equity is 89 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on April 23, 2026.
€ 1,100
▼ 89% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 104,455
▲ 106% vs 2024
Profit after tax over the fiscal year.
€ 39,274
▲ € 33,841 vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 104,778 paid out
100 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 6,747
▲ € 6,430 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 868,821
▲ € 662,582 vs 2024
€ 86,344 is repaid this year. At this pace the long-term loan is gone in ≈ 10 years.
€ 325
▼ 82% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 15,189
▲ € 13,222 vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 51,416 | € 70,868 | € 82,348 | € 164,419 | ▲ 100% |
| Profit after taxes | € 37,677 | € 42,665 | € 50,823 | € 104,455 | ▲ 106% |
| Equity | € 10,112 | € 10,000 | € 10,323 | € 1,100 | ▼ 89% |
| Total debts | € 295,822 | € 328,535 | € 264,399 | € 892,324 | ▲ 237% |
| Cash | € 10,855 | € 47,940 | € 5,433 | € 39,274 | ▲ € 33,841 |
| Land & buildings | € 106,971 | € 263,668 | € 252,917 | € 189,796 | ▼ 25% |
| Retained profit | € 112 | € 0 | € 323 | € 0 | ▼ 100% |
| Dividend | € 158,562 | € 42,777 | € 50,500 | € 104,778 | ▲ 107% |
| Bank debt | € 288,407 | € 278,652 | € 206,239 | € 868,821 | ▲ € 662,582 |
| Balance sheet total | € 305,934 | € 338,535 | € 274,722 | € 893,424 | ▲ 225% |
Key figures of Pandect, 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 Pandect?
What happened at Pandect in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 104,455 (▲ 106% vs 2024). Source: NBB ↗
- New establishment in Antwerpen. KBO
- Start of the company according to the CBE. KBO
- Elias Devos became a director. NBB
In short
From € 37,677 profit in 2022 to € 104,455 profit in 2025.
Paid € 60,263 in corporate taxes since 2022.
Best year ever: 2025, with € 104,455 profit.
Paid out € 356,616 in dividends to the owners in total.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind Pandect is Elias Devos. It owns 50% of Estatura itself.
Directors
According to the 2025 annual accounts
Elias Devos
Director
since 2019
Establishments
Establishment units
Physical locations of this company
Koningin Elisabethlei 6 box C802
2018 Antwerpen
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 11 companies are registered at this address.
All companies at this address →Lyrisch Volkstoneel
HANDELSVENNOOTSCHAP X. VAN DE WOUWER - COMPAGNIE COMMERCIALE X. VAN DE WOUWER
VADECK
€ 14,000 gross margin · 2025
CULINAIR IDEEENBURO – CULLINARY INNOVATION CONSULTANTS DHOLLANDER & FRANK
€ 57,929 gross margin · 2025
CHARLOTTE KLIMA
+6 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0726.969.666
- VAT number
- BE 0726.969.666
- Registered office
- Koningin Elisabethlei 6 bus C802, 2018 Antwerpen
- Names & denominations
- Pandect
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 21 May 2019
- Peppol
- Active · Active since 24 Nov 2023
- Activities · NACE
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