Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
-
Tight liquidity NBB
Cash and receivables cover 19 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
PANHARD from Aartselaar, company number BE0884740562, closed financial year 2025 with a result of € 11,345 after tax. For that financial year PANHARD recorded a gross margin of € 401,953 and equity of € -79,494. Compared with financial year 2024, the result moved from € 16,047 to € 11,345. The company is profitable. 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.
€ -79,494
▲ € 11,345 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 11,345
▼ 29% vs 2024
Profit after tax over the fiscal year.
€ 2,717
▲ 98% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -98,244.
People and assets in 2025
€ 330,480
▲ 17% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 87,730
▼ 15% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 148,685
▼ 21% vs 2024
€ 38,733 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 148,260
▼ 16% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 99,737
▲ 46% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 294,568 | € 259,398 | € 334,254 | € 401,953 | ▲ 20% |
| Profit after taxes | € 18,275 | € -52,896 | € 16,047 | € 11,345 | ▼ 29% |
| Equity | € -53,989 | € -106,886 | € -90,838 | € -79,494 | ▲ € 11,345 |
| Total debts | € 306,730 | € 268,992 | € 432,249 | € 396,682 | ▼ 8% |
| Cash | € 24,313 | € 6,288 | € 1,371 | € 2,717 | ▲ 98% |
| Retained profit | € -72,739 | € -125,636 | € -109,588 | € -98,244 | ▲ € 11,345 |
| Bank debt | € 20,165 | € 7,872 | € 187,727 | € 148,685 | ▼ 21% |
| Balance sheet total | € 252,740 | € 162,106 | € 341,410 | € 317,188 | ▼ 7% |
Key figures of PANHARD, 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 PANHARD?
What happened at PANHARD in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 11,345 (▼ 29% vs 2024). Source: NBB ↗
- New establishment in Aartselaar. KBO
- Start of the company according to the CBE. KBO
In short
From € 18,275 profit in 2022 to € 11,345 profit in 2025.
Paid € 5,587 in corporate taxes since 2022.
Best year ever: 2022, with € 18,275 profit.
A new publication or filing at PANHARD? We notify you, reason included.
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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 PANHARD is CHRIS GERNAY. CHRIS GERNAY is also behind GERNAY CHRIS.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Baron van Ertbornstraat 122
2630 Aartselaar
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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.
Website
Technologies
Hosting & Email
Email provider
Self-hosted
Hosting
GOOGLE-CLOUD-PLATFORM - Google LLC, US
Website info
Features
Security
Details
- Company number
- 0884.740.562
- VAT number
- BE 0884.740.562
- Registered office
- Baron van Ertbornstraat 122, 2630 Aartselaar
- Names & denominations
- PANHARD
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 3 November 2006
- Peppol
- Active · Active since 13 Apr 2026
- Contact
- bistromillefeuille.be
- Activities · NACE
Activiteiten van eetgelegenheden met volledige bediening
Restaurants van het traditionele type
Cafés
Cafés en bars
Eetgelegenheden met volledige bediening
Fastfoodzaken, snackbars, frituren en dergelijke
Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden
Eetgelegenheden met beperkte bediening