PARV
ActiveSummary
PARV has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.80M and a net result of €-304k. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 60% of 8048 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability7▼-56
Solvency79▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 2.18 against 2.66 in 2024; short-term debt: 45.9% and cash: 11.1% of total assets), and 46.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
53.9%
Return on assets
-9.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
31 d late
2023
66 d late
2022
22 d late
2021
68 d late
2020
110 d late
2019
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€4.05M
EBIT margin
4.9%
Net result
€-304k
2024 · €190k
2018: €259k
2019: €9k▼ -96.6% vs 2018
2020: €15k▲ +65.2% vs 2019
2021: €123k▲ +731% vs 2020
2022: €295k▲ +141% vs 2021highest in 8 years
2023: €-27k▼ -109% vs 2022
2024: €190k▲ +804% vs 2023
2025: €-304k▼ -260% vs 2024lowest in 8 years
2018 → 2025
Working capital
€1.80M▼ 30.1%
2024 · €2.57M
2018: €1.92M
2019: €1.97M▲ +2.6% vs 2018
2020: €1.93M▼ -2.1% vs 2019
2021: €2.07M▲ +7.4% vs 2020
2022: €2.40M▲ +15.8% vs 2021
2023: €2.35M▼ -1.9% vs 2022
2024: €2.57M▲ +9.4% vs 2023highest in 8 years
2025: €1.80M▼ -30.1% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€4.05M
Equity€1.64M-€1.94M▲ 18.0%€1.91M▼ 1.4%€2.10M▲ 9.9%€1.80M▼ 14.5%
2021: €1.64Mlowest in 5 years
2022: €1.94M▲ +18.0% vs 2021
2023: €1.91M▼ -1.4% vs 2022
2024: €2.10M▲ +9.9% vs 2023highest in 5 years
2025: €1.80M▼ -14.5% vs 2024
Operating result€143k-€343k▲ 139%€-10k€197k€-294k
2021: €143k
2022: €343k▲ +139% vs 2021highest in 5 years
2023: €-10k▼ -103% vs 2022
2024: €197k▲ +2017% vs 2023
2025: €-294k▼ -249% vs 2024lowest in 5 years
Net result€123k-€295k▲ 141%€-27k€190k€-304k
2021: €123k
2022: €295k▲ +141% vs 2021highest in 5 years
2023: €-27k▼ -109% vs 2022
2024: €190k▲ +804% vs 2023
2025: €-304k▼ -260% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €294k after €197k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.33M
Fixed assets
€4k ▼ 45.6%
Current assets
€3.33M ▼ 19.4%
Equity and liabilities €3.33M
Equity
€1.80M ▼ 14.5%
Debt
€1.54M ▼ 24.5%
Debt's share of the balance-sheet total falls from 49.2% to 46.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-290k▼
2024 · €201k
Cash flow
€-300k▼
2024 · €194k
Current ratio
2.18▼
2024 · 2.66
Quick ratio
1.31▼
2024 · 1.73
Debt to equity
0.86▼
2024 · 0.97
ROE
-16.9%▼
2024 · 9.0%
ROA
-9.1%▼
2024 · 4.6%
Interest coverage
-27.57▼
2024 · 17.61
Debt ≤ 1 year
€1.53M▼
2024 · €1.55M
Income taxes
€9k▼
2024 · €21k
Staff costs
€32k▼
2024 · €35k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€4.13M€3.33M▼
Fixed assets21/28€7k€4k▼
Tangible fixed assets22/27€7k€4k▼
Plant, machinery and equipment23€7k€4k▼
Furniture and vehicles24€0€0=
Current assets29/58€4.13M€3.33M▼
Stocks and contracts in progress3€1.44M€1.32M▼
Stocks30/36€1.44M€1.32M▼
Amounts receivable within one year40/41€1.54M€1.63M▲
Trade receivables40€1.51M€1.59M▲
Other amounts receivable41€30k€35k▲
Cash at bank and in hand54/58€1.14M€371k▼
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€4.13M€3.33M▼
Equity10/15€2.10M€1.80M▼
Contributions10/11€694k€694k=
Reserves13€1.41M€1.10M▼
Non-distributable reserves130/1€42k€42k=
Reserves not available under the articles1311€42k€42k=
Distributable reserves133€1.36M€1.06M▼
Amounts payable17/49€2.03M€1.54M▼
Amounts payable after more than one year17€481k-
Financial debts170/4€481k-
Amounts payable within one year42/48€1.55M€1.53M▼
Financial debts43€651k€576k▼
Other loans439€651k€576k▼
Trade debts44€873k€458k▼
Suppliers440/4€873k€458k▼
Taxes, remuneration and social security45€17k€10k▼
Taxes450/3€12k€5k▼
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€11k€486k▲
Accrued charges and deferred income492/3-€7k
Income statement
Code20242025
Turnover70€4.05M-
Goods, raw materials, services and sundry goods60/61€3.74M-
Remuneration, social security and pensions62€35k€32k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€84k-
Other operating charges640/8€2k€2k▲
Gross operating margin9900€322k€-256k▼
Operating profit (loss)9901€197k€-294k▼
Financial income75/76B€25k€10k▼
Recurring financial income75€25k€10k▼
Financial charges65/66B€11k€11k▼
Recurring financial charges65€11k€11k▼
Profit (loss) for the period before taxes9903€211k€-294k▼
Income taxes67/77€21k€9k▼
Profit (loss) for the period9904€190k€-304k▼
Profit (loss) for the period to be appropriated9905€190k€-304k▼
Appropriation of the result
Profit (loss) to be appropriated9906€190k€-304k▼
Transfer from equity791/2-€304k
Transfer to equity691/2€190k-
To other reserves6921€190k-
Social balance
Average headcount (FTE)90870.90.9=
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | €4.05M | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €3.74M | - | - |
| Remuneration, social security and pensions62 | €7k | €25k | €29k | €35k | €32k | ▼ 9.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €4k | €4k | €4k | €4k | ▲ 1.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €-69k | €84k | - | - |
| Other operating charges640/8 | €754 | €1k | €109k | €2k | €2k | ▲ 6.8% |
| Gross operating margin9900 | €153k | €373k | €63k | €322k | €-256k | ▼ 180% |
| Operating profit (loss)9901 | €143k | €343k | €-10k | €197k | €-294k | ▼ 249% |
| Financial income75/76B | €7 | €9k | €9 | €25k | €10k | ▼ 59.5% |
| Recurring financial income75 | €7 | €9k | €9 | €25k | €10k | ▼ 59.5% |
| Financial charges65/66B | €7k | €17k | €17k | €11k | €11k | ▼ 8.1% |
| Recurring financial charges65 | €7k | €17k | €17k | €11k | €11k | ▼ 8.1% |
| Profit (loss) for the period before taxes9903 | €136k | €335k | €-27k | €211k | €-294k | ▼ 240% |
| Income taxes67/77 | €14k | €39k | €-2 | €21k | €9k | ▼ 56.3% |
| Profit (loss) for the period9904 | €123k | €295k | €-27k | €190k | €-304k | ▼ 260% |
| Profit (loss) for the period to be appropriated9905 | €123k | €295k | €-27k | €190k | €-304k | ▼ 260% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.26M | €4.36M | €3.94M | €4.13M | €3.33M | ▼ 19.4% |
| Fixed assets21/28 | €13k | €10k | €11k | €7k | €4k | ▼ 45.6% |
| Tangible fixed assets22/27 | €13k | €10k | €11k | €7k | €4k | ▼ 45.6% |
| Plant, machinery and equipment23 | €13k | €10k | €11k | €7k | €4k | ▼ 45.6% |
| Furniture and vehicles24 | €0 | - | €0 | €0 | €0 | - |
| Current assets29/58 | €4.25M | €4.35M | €3.93M | €4.13M | €3.33M | ▼ 19.4% |
| Stocks and contracts in progress3 | €1.51M | €1.37M | €1.53M | €1.44M | €1.32M | ▼ 7.8% |
| Stocks30/36 | €1.51M | €1.37M | €1.53M | €1.44M | €1.32M | ▼ 7.8% |
| Amounts receivable within one year40/41 | €2.46M | €2.67M | €1.49M | €1.54M | €1.63M | ▲ 5.5% |
| Trade receivables40 | €2.42M | €2.64M | €1.46M | €1.51M | €1.59M | ▲ 5.3% |
| Other amounts receivable41 | €42k | €32k | €28k | €30k | €35k | ▲ 18.1% |
| Cash at bank and in hand54/58 | €278k | €312k | €900k | €1.14M | €371k | ▼ 67.5% |
| Deferred charges and accrued income490/1 | €4k | - | €4k | €7k | €6k | ▼ 23.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.26M | €4.36M | €3.94M | €4.13M | €3.33M | ▼ 19.4% |
| Equity10/15 | €1.64M | €1.94M | €1.91M | €2.10M | €1.80M | ▼ 14.5% |
| Contributions10/11 | €694k | €694k | €694k | €694k | €694k | = |
| Reserves13 | €948k | €1.24M | €1.22M | €1.41M | €1.10M | ▼ 21.6% |
| Non-distributable reserves130/1 | €42k | €42k | €42k | €42k | €42k | = |
| Reserves not available under the articles1311 | €42k | €42k | €42k | €42k | €42k | = |
| Distributable reserves133 | €905k | €1.20M | €1.17M | €1.36M | €1.06M | ▼ 22.3% |
| Amounts payable17/49 | €2.62M | €2.43M | €2.03M | €2.03M | €1.54M | ▼ 24.5% |
| Amounts payable after more than one year17 | €441k | €469k | €452k | €481k | - | - |
| Financial debts170/4 | €441k | €469k | €452k | €481k | - | - |
| Amounts payable within one year42/48 | €2.18M | €1.96M | €1.58M | €1.55M | €1.53M | ▼ 1.5% |
| Financial debts43 | €597k | €634k | €612k | €651k | €576k | ▼ 11.6% |
| Other loans439 | €597k | €634k | €612k | €651k | €576k | ▼ 11.6% |
| Trade debts44 | €1.53M | €1.28M | €956k | €873k | €458k | ▼ 47.6% |
| Suppliers440/4 | €1.53M | €1.28M | €956k | €873k | €458k | ▼ 47.6% |
| Taxes, remuneration and social security45 | €29k | €33k | €2k | €17k | €10k | ▼ 39.2% |
| Taxes450/3 | €19k | €33k | €1k | €12k | €5k | ▼ 55.9% |
| Remuneration and social security454/9 | €11k | - | €548 | €5k | €5k | ▲ 4.2% |
| Other amounts payable47/48 | €24k | €7k | €7k | €11k | €486k | ▲ 4,161% |
| Accrued charges and deferred income492/3 | €2k | €2k | €1k | - | €7k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €123k | €295k | €-27k | €190k | €-304k | ▼ 260% |
| + Depreciation and write-downs630 | €3k | €4k | €4k | €4k | €4k | ▲ 1.3% |
| Operating cash flow (approximation) | €125k | €299k | €-23k | €194k | €-300k | ▼ 255% |
| Investment in fixed assets (approximation) | - | €0 | €-6k | €0 | €-939 | - |
| Change in cash | - | €34k | €588k | €240k | €-770k | ▼ 420% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-304k
Net result drops to €-304k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-12
Financial
Back to profitnet €190k
Net result €190k after one loss-making year.
31-12
Financial
Equity above €2MEq €2.10M ▲9.9%
Equity rises from €1.91M to €2.10M.
05-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 66 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 22 days late
2022
31-12
Financial
Highest result since 2018net €295k ▲141%
Operating result €343k, net result €295k, both a record.
07-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 68 days late
2021
18-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 110 days late
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
10 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, Antwerpen · 1 establishment unit since 2004
Ground area
3,046 m²
Building footprint
2,904 m²
Volume, LiDAR
74,659 m³
Parcel 11808H1178/00S008, Flanders · tallest building 46.0 m, ±8 floors. Linked by address, not a title deed.
258
companies at this address
See who is registered here
1 establishment unit
PARV B.V.B.A.
since 20042.143.582.115
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1178/00S008 | Flanders | 3,046 m² | 1 · 2,904 m² | 46.0 m · 8 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 1,229 companies in sector 46861 we hold annual accounts for 678. 459 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-07-2004
Fiscal year end31-12
Activities, NACEBEL 2025
46861Wholesale of diamonds and other precious stones
Scores and ratios are computed by Checked and are not a credit decision.