P.V.K.
ActiveP.V.K. has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €629k and a net result of €-3k. Equity is shrinking by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth58=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
balance sheet total too small for a liquidity verdict, and 0.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
99.2%
Return on assets
-0.5%
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 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
42 d early
2023
36 d early
2022
30 d late
2021
29 d late
2020
24 d late
2019
84 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€629k▼ 6.5%
2024 · €673k
2018: €2.11M
2019: €2.04M
2020: €1.89M
2021: €1.79M
2022: €1.71M
2023: €1.66M
2024: €673k
2018 → 2025
Total assets
€634k▼ 11.8%
2024 · €719k
2018: €2.11M
2019: €2.06M
2020: €1.89M
2021: €1.79M
2022: €1.72M
2023: €1.66M
2024: €719k
2018 → 2025
Net result
€-3k
2024 · €518k
2018: €-57k
2019: €-64k
2020: €-157k
2021: €-98k
2022: €-76k
2023: €-57k
2024: €518k
2018 → 2025
Working capital
€573k▼ 5.4%
2024 · €606k
2018: €1.48M
2019: €1.47M
2020: €1.32M
2021: €1.27M
2022: €1.24M
2023: €1.20M
2024: €606k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.79M-€1.71M▼ 4.3%€1.66M▼ 3.3%€673k▼ 59.3%€629k▼ 6.5%
Operating result€-97k-€-75k▲ 22.5%€-57k▲ 24.8%€-43k▲ 24.0%€-18k▲ 58.2%
Net result€-98k-€-76k▲ 21.9%€-57k▲ 25.1%€518k€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €18k in 2025 against €43k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €634k
Fixed assets
€56k▼ 16.7%
Current assets
€578k▼ 11.3%
Equity and liabilities €634k
Equity
€629k▼ 6.5%
Debt
€5k▼ 89.5%
The debt ratio falls from 6.3% to 0.8%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-15k▲
2024 · €-30k
Cash flow
€34▼
2024 · €531k
Solvency
99.2%▲
2024 · 93.7%
Debt / equity
0.01▼
2024 · 0.07
ROE
-0.5%▼
2024 · 77.0%
ROA
-0.5%▼
2024 · 72.1%
Interest coverage
-29.53▼
2024 · -15.67
Debt
€5k▼
2024 · €46k
Debt ≤ 1 year
€5k▼
2024 · €46k
Income taxes
€261▼
2024 · €4k
A ratio outside any meaningful range has been withheld (balance sheet total €634k, equity €629k).
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€719k€634k▼
Fixed assets21/28€67k€56k▼
Tangible fixed assets22/27€67k€56k▼
Land and buildings22€59k€56k▼
Plant, machinery and equipment23€1k-
Furniture and vehicles24€7k-
Current assets29/58€652k€578k▼
Amounts receivable within one year40/41€40k€7k▼
Trade receivables40€9k€354▼
Other amounts receivable41€31k€7k▼
Current investments50/53€49k€49k=
Cash at bank and in hand54/58€563k€522k▼
Equity and liabilities
Total equity and liabilities10/49€719k€634k▼
Equity10/15€673k€629k▼
Contributions10/11€86k€86k=
Reserves13€587k€543k▼
Distributable reserves133€587k€543k▼
Amounts payable17/49€46k€5k▼
Amounts payable within one year42/48€46k€5k▼
Current portion of amounts payable after more than one year42€3k-
Taxes, remuneration and social security45-€4k
Taxes450/3-€4k
Remuneration and social security454/9-€500
Other amounts payable47/48€42k€744▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€3k▼
Other operating charges640/8€299€173▼
Non-recurring operating charges66A-€2k
Gross operating margin9900€-30k€-13k▲
Operating profit (loss)9901€-43k€-18k▲
Financial income75/76B€567k€16k▼
Recurring financial income75€1k€8k▲
Non-recurring financial income76B€566k€7k▼
Financial charges65/66B€2k€500▼
Recurring financial charges65€2k€500▼
Profit (loss) for the period before taxes9903€522k€-3k▼
Income taxes67/77€4k€261▼
Profit (loss) for the period9904€518k€-3k▼
Profit (loss) for the period to be appropriated9905€518k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€518k€-3k▼
Transfer from equity791/2€982k€44k▼
Profit to be distributed694/7€1.50M€40k▼
Return on contributions (dividend)694€1.50M€40k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 8current ratio 120.24
Current ratio from 14.28 to 120.24; short-term debt falls from €46k to €5k.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €518k
Net result €518k after 6 loss-making years.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Weakest financial yearnet €-157k
Net result drops to €-157k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 264.28
Current ratio from 106.03 to 264.28; short-term debt falls from €14k to €5k.
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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
Registered office, Bonheiden · 1 establishment unit since 1998
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.
Oude straat 44A2820 BonheidenGround area
707 m²
Building footprint
195 m²
Volume, LiDAR
857 m³
Parcel 12005A0290/00P003, Flanders · tallest building 7.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Oude straat 44A, 2820 Bonheiden
since 19982.088.560.250
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12005A0290/00P003 | Flanders | 707 m² | 1 · 195 m² | 7.8 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600OVCCB6YNIV7W22
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 32,620 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-1998
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.