Skip to content

PARVAL

Active
Private limited company (pre-2019)founded 201015 yrs activeOudeweg 76, 3950 Bocholt, BelgiumKBO/BCE: BE 0832.677.791
Summary

PARVAL has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €197,034 and a net result of €2,277. Equity remains stable across the filed fiscal years (±2% per year). The computed 12-month bankruptcy probability is 0.9% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability69▲+66
Solvency76▲+3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity tight (current ratio 1.01 against 0.89 in 2024; short-term debt: 9.3% of total assets), and 49.2% of the assets are financed with debt.
Credit check for your own amount and term

Open the credit simulator : see how the verdict changes with amount, term and advance.

Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
50.8%
Return on assets
0.6%
Age of the figures
12 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 15 years 0 20 y
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 17-04-2026, 13 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
13 d early
2024
35 d early
2023
33 d early
2022
32 d early
2021
32 d early
2020
22 d early
2019
1 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 24 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 10 December 2010, PARVAL was incorporated.1 Total assets went from EUR 483,697 in 2018 to EUR 387,705 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity
€197,034▲ 1.2%
2024 · €194,756
Total assets
€387,705▼ 5.4%
2024 · €410,009
Net result
€2,277
2024 · -€52,425
Working capital
€366
2024 · -€3,725
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€2,023-€3,528▼ 74.4%-€1,605▲ 54.5%-€51,035▼ 3,081%€3,268
Net result-€4,801-€5,995▼ 24.9%-€4,150▲ 30.8%-€52,425▼ 1,163%€2,277
Equity€257,327▼ 1.8%€251,332▼ 2.3%€247,182▼ 1.7%€194,756▼ 21.2%€197,034▲ 1.2%
Total assets€445,607▼ 6.0%€420,021▼ 5.7%€432,594▲ 3.0%€410,009▼ 5.2%€387,705▼ 5.4%
Debt€188,280▼ 11.2%€168,689▼ 10.4%€185,412▲ 9.9%€215,253▲ 16.1%€190,671▼ 11.4%
Working capital-€9,298▼ 954%-€6,584▲ 29.2%-€10,344▼ 57.1%-€3,725▲ 64.0%€366
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€60,000-€40,000-€20,000€0Operating result 2021: -€2,023-€2,023Net result 2021: -€4,801-€4,801Operating result 2022: -€3,528-€3,528Net result 2022: -€5,995-€5,995Operating result 2023: -€1,605-€1,605Net result 2023: -€4,150-€4,150Operating result 2024: -€51,035-€51,035Net result 2024: -€52,425-€52,425Operating result 2025: €3,268€3,268Net result 2025: €2,277€2,27720212022202320242025-€60,000-€40,000-€20,000€0Operating result 2023: -€1,605-€1,600Net result 2023: -€4,150-€4,150Operating result 2024: -€51,035-€51,000Net result 2024: -€52,425-€52,400Operating result 2025: €3,268€3,270Net result 2025: €2,277€2,280202320242025
The operating result returns to profit in 2025: €3,268 after a loss of €51,035 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €387,705
Fixed assets €351,309 ▼ 7.2%
Current assets €36,395 ▲ 15.6%
Equity and liabilities €387,705
Equity €197,034 ▲ 1.2%
Debt €190,671 ▼ 11.4%
Debt's share of the balance-sheet total falls from 52.5% to 49.2%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€30,481▲
2024 · -€23,385
Cash flow
€29,490▲
2024 · -€24,775
Current ratio
1.01▲
2024 · 0.89
Debt to equity
0.97▼
2024 · 1.11
ROE
1.2%▲
2024 · -26.9%
ROA
0.6%▲
2024 · -12.8%
Interest coverage
30.77▲
2024 · -16.82
Debt ≤ 1 year
€36,030▲
2024 · €35,212
Debt > 1 year
€154,641▼
2024 · €180,041
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 10,891 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.

  • Micro
  • 10 to 20 years old
  • solvency 30% or more
  • a profit under 5% of the balance sheet
0.6% went bankrupt
4.0% stopped otherwise
95% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 0.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 10,891 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet Code20242025
Assets
Total assets20/58€410,009€387,705▼
Fixed assets21/28€378,522€351,309▼
Tangible fixed assets22/27€378,522€351,309▼
Land and buildings22€378,522€351,309▼
Current assets29/58€31,487€36,395▲
Amounts receivable within one year40/41€28,295€36,395▲
Trade receivables40€23,131€19,631▼
Other amounts receivable41€5,164€16,764▲
Cash at bank and in hand54/58€199-
Deferred charges and accrued income490/1€2,993-
Equity and liabilities
Total equity and liabilities10/49€410,009€387,705▼
Equity10/15€194,756€197,034▲
Contributions10/11€200,250€200,250=
Reserves13€82,186€82,186=
Non-distributable reserves130/1€20,025€20,025=
Reserves not available under the articles1311€20,025€20,025=
Distributable reserves133€62,161€62,161=
Profit (loss) carried forward14-€87,679-€85,402▲
Amounts payable17/49€215,253€190,671▼
Amounts payable after more than one year17€180,041€154,641▼
Financial debts170/4€56,333€30,333▼
Other amounts payable178/9€123,708€124,308▲
Amounts payable within one year42/48€35,212€36,030▲
Current portion of amounts payable after more than one year42€26,000€28,030▲
Trade debts44€9,212€7,999▼
Suppliers440/4€9,212€7,999▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27,650€27,213▼
Other operating charges640/8€56,802€3,329▼
Gross operating margin9900€33,417€33,810▲
Operating profit (loss)9901-€51,035€3,268▲
Financial charges65/66B€1,390€991▼
Recurring financial charges65€1,390€991▼
Profit (loss) for the period before taxes9903-€52,425€2,277▲
Profit (loss) for the period9904-€52,425€2,277▲
Profit (loss) for the period to be appropriated9905-€52,425€2,277▲
Appropriation of the result
Profit (loss) to be appropriated9906-€87,679-€85,402▲
Profit (loss) brought forward from the previous period14P-€35,254-€87,679▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27,735€27,735€28,071€27,650€27,213▼ 1.6%
Other operating charges640/8-€2,933€3,000€56,802€3,329▼ 94.1%
Gross operating margin9900€28,510€27,140€29,466€33,417€33,810▲ 1.2%
Operating profit (loss)9901-€2,023-€3,528-€1,605-€51,035€3,268▲ 106%
Financial charges65/66B-€2,370€1,778€1,390€991▼ 28.7%
Recurring financial charges65€2,247€2,370€1,778€1,390€991▼ 28.7%
Profit (loss) for the period before taxes9903-€4,270-€5,899-€3,382-€52,425€2,277▲ 104%
Income taxes67/77€531€96€768---
Profit (loss) for the period9904-€4,801-€5,995-€4,150-€52,425€2,277▲ 104%
Profit (loss) for the period to be appropriated9905-€4,801-€5,995-€4,150-€52,425€2,277▲ 104%
Line20212022202320242025Change
Assets
Total assets20/58€445,607€420,021€432,594€410,009€387,705▼ 5.4%
Fixed assets21/28€421,678€393,943€406,172€378,522€351,309▼ 7.2%
Tangible fixed assets22/27€421,678€393,943€406,172€378,522€351,309▼ 7.2%
Land and buildings22-€393,943€406,172€378,522€351,309▼ 7.2%
Current assets29/58€23,929€26,078€26,422€31,487€36,395▲ 15.6%
Amounts receivable within one year40/41€21,488€20,660€23,545€28,295€36,395▲ 28.6%
Trade receivables40-€18,381€18,381€23,131€19,631▼ 15.1%
Other amounts receivable41-€2,279€5,164€5,164€16,764▲ 225%
Cash at bank and in hand54/58-€2,917-€199--
Deferred charges and accrued income490/1-€2,500€2,876€2,993--
Equity and liabilities
Total equity and liabilities10/49€445,607€420,021€432,594€410,009€387,705▼ 5.4%
Equity10/15€257,327€251,332€247,182€194,756€197,034▲ 1.2%
Contributions10/11-€200,250€200,250€200,250€200,250=
Reserves13€82,186€82,186€82,186€82,186€82,186=
Non-distributable reserves130/1-€20,025€20,025€20,025€20,025=
Reserves not available under the articles1311-€20,025€20,025€20,025€20,025=
Distributable reserves133-€62,161€62,161€62,161€62,161=
Profit (loss) carried forward14-€25,109-€31,104-€35,254-€87,679-€85,402▲ 2.6%
Amounts payable17/49€188,280€168,689€185,412€215,253€190,671▼ 11.4%
Amounts payable after more than one year17€155,053€136,027€148,646€180,041€154,641▼ 14.1%
Financial debts170/4-€108,333€82,333€56,333€30,333▼ 46.2%
Other amounts payable178/9-€27,694€66,313€123,708€124,308▲ 0.5%
Amounts payable within one year42/48€33,227€32,662€36,766€35,212€36,030▲ 2.3%
Current portion of amounts payable after more than one year42-€26,000€28,136€26,000€28,030▲ 7.8%
Trade debts44€4,529€6,565€7,862€9,212€7,999▼ 13.2%
Suppliers440/4-€6,565€7,862€9,212€7,999▼ 13.2%
Taxes, remuneration and social security45-€96€768---
Taxes450/3-€96€768---
Line20212022202320242025Change
Profit (loss) for the period9904-€4,801-€5,995-€4,150-€52,425€2,277▲ 104%
+ Depreciation and write-downs630€27,735€27,735€28,071€27,650€27,213▼ 1.6%
Operating cash flow (approximation)€22,934€21,740€23,921-€24,775€29,490▲ 219%
Investment in fixed assets (approximation)-€0-€40,300€0€0-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-04-2027
2026
17-04
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial Back to profitnet €2,277
Net result €2,277 after 4 loss-making years.
26-03
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial Weakest financial yearnet -€52,425
Net result drops to -€52,425, the lowest in the series; recovery starts the following year.
28-03
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
29-03
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
29-03
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
08-04
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial Back to profitnet €28,668
Net result €28,668 after one loss-making year.
29-04
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
29-04
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
28-03
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-04
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
2 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, Bocholt · 1 establishment unit since 2011
seat establishment The establishment unit on the map
Ground area
2,926 m²
Building footprint
243 m²
Volume, LiDAR
1,659 m³
Parcel 72003A1004/00T000, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Oudeweg 76, 3950 Bocholt
Holdings
since 20112.195.576.984
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72003A1004/00T000 Flanders 2,926 m² 1 · 243 m² 11.1 m · 2 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.

Identification & contact

Identification
Legal formPrivate limited company (pre-2019)
Founded10-12-2010
Fiscal year end30-09
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 26 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.