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 3 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 1 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
KRUISPUNTAPOTHEEK PANORAMA from Tremelo, company number BE0876804477, closed financial year 2025 with a result of € -25,837 after tax. For that financial year KRUISPUNTAPOTHEEK PANORAMA recorded a gross margin of € 811 and equity of € -24,668. Compared with financial year 2024, the result moved from € 64,788 to € -25,837. 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 July 31, 2026.
€ -24,668
▼ € 26,593 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -25,837
▼ still € 64,788 profit in 2024
Profit after tax over the fiscal year.
€ 2,570
▼ 99% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -26,145.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 744
▼ 99% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 6,854
▼ 73% 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 | € 104,392 | € 188,781 | € 196,399 | € 811 | ▼ € 195,589 |
| Profit after taxes | € -21,850 | € 63,027 | € 64,788 | € -25,837 | ▼ € 90,625 |
| Equity | € -125,891 | € -62,864 | € 1,924 | € -24,668 | ▼ € 26,593 |
| Total debts | € 517,808 | € 494,707 | € 475,258 | € 209,186 | ▼ 56% |
| Cash | € 83,593 | € 100,242 | € 174,382 | € 2,570 | ▼ 99% |
| Land & buildings | € 180,073 | € 170,254 | € 160,706 | € 181,620 | ▲ 13% |
| Retained profit | € -128,323 | € -65,296 | € -508 | € -26,145 | ▼ € 25,637 |
| Bank debt | € 82,562 | € 63,460 | € 41,964 | € 0 | ▼ 100% |
| Balance sheet total | € 391,917 | € 431,843 | € 477,182 | € 184,517 | ▼ 61% |
| Employees (FTE) | 1 | 1 | 1 | - |
Key figures of KRUISPUNTAPOTHEEK PANORAMA, 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 KRUISPUNTAPOTHEEK PANORAMA?
What happened at KRUISPUNTAPOTHEEK PANORAMA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 25,837 (▼ € 90,625 vs 2024). Source: NBB ↗
- Groep Panorama Apotheken BV became a director. NBB
- New establishment in Tremelo. KBO
- Start of the company according to the CBE. KBO
In short
From € 21,850 loss in 2022 to € 25,837 loss in 2025.
Paid € 4,877 in corporate taxes since 2022.
Best year ever: 2024, with € 64,788 profit.
On average € 196,400 of value added per employee in 2024.
Management
The stake of GROEP PANORAMA APOTHEKEN comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
KRUISPUNTAPOTHEEK PANORAMABehind KRUISPUNTAPOTHEEK PANORAMA is Groep Panorama Apotheken BV. The shares are held by GROEP PANORAMA APOTHEKEN (100%).
Directors
According to the 2025 annual accounts
Director · represented by Bert Thys
Also active at: APOTHEEK PANORAMA THIELS, APOTHEEK PANORAMA VANBRABANT, APOTHEEK PANORAMA LUMMEN, APOTHEEK PANORAMA ENGELEN, APOTHEEK PANORAMA KERMT, APOTHEEK PANORAMA GENENBOS, APOTHEEK PANORAMA TREMELO, APOTHEEK PANORAMA BAAL +1 more
since 2018
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Baalsebaan 220
3128 Tremelo
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0876.804.477
- VAT number
- BE 0876.804.477
- Registered office
- Baalsebaan 220, 3128 Tremelo
- Names & denominations
- KRUISPUNTAPOTHEEK PANORAMA
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 13 October 2005
- Peppol
- Active · Active since 1 Dec 2025
- Contact
- [email protected] 016/53 53 01