PALVIC
ActivePALVIC has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €20k. Equity is growing by ~10.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency93▲+6
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.69 against 1.41 in 2024), and 23% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
77%
Return on assets
16.1%
Age of the figures
8 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 13-05-2026, 79 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
79 d early
2024
44 d early
2023
43 d early
2022
19 d early
2021
47 d early
2020
60 d early
2019
32 d early
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▲ 9.2%
2024 · €88k
2018: €51k
2019: €53k
2020: €54k
2021: €63k
2022: €69k
2023: €79k
2024: €88k
2018 → 2025
Total assets
€125k▲ 7.6%
2024 · €116k
2018: €222k
2019: €221k
2020: €224k
2021: €233k
2022: €238k
2023: €90k
2024: €116k
2018 → 2025
Net result
€20k▼ 11.5%
2024 · €23k
2018: €5k
2019: €2k
2020: €1k
2021: €9k
2022: €6k
2023: €10k
2024: €23k
2018 → 2025
Working capital
€20k▲ 72.5%
2024 · €11k
2018: €-122k
2019: €-94k
2020: €-64k
2021: €-33k
2022: €-15k
2023: €3k
2024: €11k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€69k▲ 9.0%€79k▲ 14.6%€88k▲ 10.9%€96k▲ 9.2%
Operating result€9k-€8k▼ 10.7%€14k▲ 75.2%€26k▲ 89.0%€24k▼ 10.1%
Net result€9k-€6k▼ 36.1%€10k▲ 76.7%€23k▲ 125%€20k▼ 11.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€76k▼ 0.3%
Current assets
€48k▲ 23.0%
Equity and liabilities €125k
Equity
€96k▲ 9.2%
Debt
€29k▲ 2.7%
The debt ratio falls from 24.1% to 23.0%: equity grows faster than debt.
Key figures and ratios
EBITDA
€24k▼
2024 · €27k
Cash flow
€20k▼
2024 · €23k
Solvency
77.0%▲
2024 · 75.9%
Current ratio
1.69▲
2024 · 1.41
Quick ratio
1.69▲
2024 · 1.41
Debt / equity
0.30▼
2024 · 0.32
ROE
20.9%▼
2024 · 25.8%
ROA
16.1%▼
2024 · 19.6%
Interest coverage
36.53▼
2024 · 99.35
Debt
€29k▲
2024 · €28k
Debt ≤ 1 year
€29k▲
2024 · €28k
Income taxes
€3k▼
2024 · €4k
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€116k€125k▲
Fixed assets21/28€76k€76k▼
Tangible fixed assets22/27€76k€76k▼
Land and buildings22€76k€76k=
Plant, machinery and equipment23€642€385▼
Current assets29/58€39k€48k▲
Amounts receivable within one year40/41-€954
Other amounts receivable41-€954
Cash at bank and in hand54/58€37k€45k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€116k€125k▲
Equity10/15€88k€96k▲
Contributions10/11€63k€63k=
Capital10€63k€63k=
Issued capital100€63k€63k=
Reserves13€24k€32k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€18k€26k▲
Profit (loss) carried forward14€45€193▲
Amounts payable17/49€28k€29k▲
Amounts payable within one year42/48€28k€29k▲
Trade debts44€73€174▲
Suppliers440/4€73€174▲
Taxes, remuneration and social security45€4k-
Taxes450/3€4k-
Other amounts payable47/48€24k€29k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€257€257=
Other operating charges640/8€10k€11k▲
Gross operating margin9900€37k€35k▼
Operating profit (loss)9901€26k€24k▼
Financial charges65/66B€269€657▲
Recurring financial charges65€269€657▲
Profit (loss) for the period before taxes9903€26k€23k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€23k€20k▼
Profit (loss) for the period to be appropriated9905€23k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€20k▼
Profit (loss) brought forward from the previous period14P€3€45▲
Transfer to equity691/2€9k€8k▼
To other reserves6921€9k€8k▼
Profit to be distributed694/7€14k€12k▼
Directors or managers695€14k€12k▼
The notes to these accounts (3 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
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €23k ▲125%
Operating result €26k, net result €23k, both a record.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €1k ▼36%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ukkel · 1 establishment unit since 1986
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.
Schoon Uitzichtlaan 701180 UkkelGround area
881 m²
Building footprint
253 m²
Volume, LiDAR
2,488 m³
Parcel 21612C0056/02P089, Brussels · tallest building 16.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Schoon Uitzichtlaan 70, 1180 Ukkel
since 19862.037.035.830
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0056/02P089 | Brussels | 881 m² | 1 · 253 m² | 16.7 m · 4 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.
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded06-06-1986
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.