MOTIV-PERMIS
ActiveMOTIV-PERMIS has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43k and a net result of €15k. Its solvency ranks better than 87% of 676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency100
Growth-
Track record67
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 7.14; short-term debt: 13.9% and cash: 8.8% of total assets), and 13.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
86.1%
Return on assets
29.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-07-2026, 5 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
5 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€43k
Total assets
€50k
Net result
€15k
Working capital
€43k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €50k
Fixed assets
€250
Current assets
€50k
Equity and liabilities €50k
Equity
€43k
Debt
€7k
Debt finances 13.9% of the balance-sheet total.
Key figures and ratios
Solvency
86.1%
Current ratio
7.14
Quick ratio
7.14
Debt / equity
0.16
ROE
34.1%
ROA
29.4%
Debt
€7k
Debt ≤ 1 year
€7k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€50k
Fixed assets21/28€250
Financial fixed assets28€250
Current assets29/58€50k
Amounts receivable within one year40/41€46k
Other amounts receivable41€46k
Cash at bank and in hand54/58€4k
Equity and liabilities
Total equity and liabilities10/49€50k
Equity10/15€43k
Profit (loss) carried forward14€43k
Amounts payable17/49€7k
Amounts payable within one year42/48€7k
Financial debts43€2k
Credit institutions430/8€2k
Taxes, remuneration and social security45€5k
Taxes450/3€5k
Income statement
Code2025
Gross operating margin9900€15k
Operating profit (loss)9901€15k
Financial charges65/66B€54
Recurring financial charges65€54
Profit (loss) for the period before taxes9903€15k
Profit (loss) for the period9904€15k
Profit (loss) for the period to be appropriated9905€15k
Appropriation of the result
Profit (loss) to be appropriated9906€43k
Profit (loss) brought forward from the previous period14P€28k
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
26-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Ground area
670 m²
Building footprint
488 m²
Volume, LiDAR
11,099 m³
Parcel 21808H1778/00D000, Brussels · tallest building 27.7 m, ±8 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21808H1778/00D000 | Brussels | 670 m² | 1 · 488 m² | 27.7 m · 8 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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VALBONA
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Of 1,038 companies in sector 85531 we hold annual accounts for 347. 275 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-02-2024
Fiscal year end31-12
Activities, NACEBEL
85531Driving schools for cars and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.