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PARVELO

Active
Private limited companyfounded 20251 yr activeBergensesteenweg 49, 1500 Halle, BelgiumKBO/BCE: BE 1024.556.362
Summary

PARVELO has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20,729 and a net result of €18,229. Its solvency ranks better than 33% of 18716 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

Checked score

Score 2025
Axes
Profitability84
Solvency39
Growth-
Track record67
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity tight (current ratio 1.03; short-term debt: 85.2% of total assets), and 86.2% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% 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 2025
Solvency, return and age of the figures
Solvency
13.8%
Return on assets
12.1%
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 28-08-2026, 28 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 · 1 filing
Deviation from the deadline
2025
28 d late
← before the deadline after the deadline →
Checked, nothing found (1)
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 20 June 2025, PARVELO was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

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

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Financials · fiscal year 2025, micro schema

Equity
€20,729
Total assets
€150,585
Net result
€18,229
Working capital
€3,516

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €150,585
Fixed assets €18,786
Current assets €131,799
Equity and liabilities €150,585
Equity €20,729
Debt €129,856
Debt finances 86.2% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€31,125
Cash flow
€23,409
Current ratio
1.03
Quick ratio
0.39
Debt to equity
6.26
ROE
87.9%
ROA
12.1%
Interest coverage
19.64
Debt ≤ 1 year
€128,283
Debt > 1 year
€1,572
Income taxes
€6,144

Peer companies

Historical observation

Of the 2,390 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
1.2% went bankrupt
2.0% stopped otherwise
97% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.3% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

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 2,390 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 · 40 lines
Balance sheet Code2025
Assets
Total assets20/58€150,585
Fixed assets21/28€18,786
Tangible fixed assets22/27€18,786
Plant, machinery and equipment23€8,988
Furniture and vehicles24€9,797
Current assets29/58€131,799
Stocks and contracts in progress3€81,672
Stocks30/36€81,672
Amounts receivable within one year40/41€9,379
Trade receivables40€7,745
Other amounts receivable41€1,633
Current investments50/53€40,748
Equity and liabilities
Total equity and liabilities10/49€150,585
Equity10/15€20,729
Contributions10/11€2,500
Profit (loss) carried forward14€18,229
Amounts payable17/49€129,856
Amounts payable after more than one year17€1,572
Financial debts170/4€1,572
Amounts payable within one year42/48€128,283
Current portion of amounts payable after more than one year42€13,274
Trade debts44€31,101
Suppliers440/4€31,101
Advances received on contracts in progress46€1,583
Taxes, remuneration and social security45€18,675
Taxes450/3€18,675
Other amounts payable47/48€63,652
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5,180
Other operating charges640/8€2,535
Gross operating margin9900€33,660
Operating profit (loss)9901€25,945
Financial income75/76B€13
Recurring financial income75€13
Financial charges65/66B€1,584
Recurring financial charges65€1,584
Profit (loss) for the period before taxes9903€24,374
Income taxes67/77€6,144
Profit (loss) for the period9904€18,229
Profit (loss) for the period to be appropriated9905€18,229
Appropriation of the result
Profit (loss) to be appropriated9906€18,229

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

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5,180
Other operating charges640/8€2,535
Gross operating margin9900€33,660
Operating profit (loss)9901€25,945
Financial income75/76B€13
Recurring financial income75€13
Financial charges65/66B€1,584
Recurring financial charges65€1,584
Profit (loss) for the period before taxes9903€24,374
Income taxes67/77€6,144
Profit (loss) for the period9904€18,229
Profit (loss) for the period to be appropriated9905€18,229
Line2025
Assets
Total assets20/58€150,585
Fixed assets21/28€18,786
Tangible fixed assets22/27€18,786
Plant, machinery and equipment23€8,988
Furniture and vehicles24€9,797
Current assets29/58€131,799
Stocks and contracts in progress3€81,672
Stocks30/36€81,672
Amounts receivable within one year40/41€9,379
Trade receivables40€7,745
Other amounts receivable41€1,633
Current investments50/53€40,748
Equity and liabilities
Total equity and liabilities10/49€150,585
Equity10/15€20,729
Contributions10/11€2,500
Profit (loss) carried forward14€18,229
Amounts payable17/49€129,856
Amounts payable after more than one year17€1,572
Financial debts170/4€1,572
Amounts payable within one year42/48€128,283
Current portion of amounts payable after more than one year42€13,274
Trade debts44€31,101
Suppliers440/4€31,101
Advances received on contracts in progress46€1,583
Taxes, remuneration and social security45€18,675
Taxes450/3€18,675
Other amounts payable47/48€63,652
Line2025
Profit (loss) for the period9904€18,229
+ Depreciation and write-downs630€5,180
Operating cash flow (approximation)€23,409

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

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Timeline · acts, filings and financial milestones

2026
28-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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
Registered office, Halle · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
156 m²
Building footprint
143 m²
Volume, LiDAR
1,314 m³
Parcel 23027G0605/00Z000, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
PARVELO
Bergensesteenweg 49, 1500 HalleWholesale trade
since 20252.375.067.665
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23027G0605/00Z000 Flanders 156 m² 1 · 143 m² 12.2 m · 3 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.

Similar companies · same sector, comparable size

Of 1,465 companies in sector 47632 we hold annual accounts for 734. 371 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
Founded20-06-2025
Fiscal year end31-12
Activities, NACEBEL 2025
47632Retail sale of bicycles
77210Renting and leasing of sports and recreation goods
95290Repair and maintenance of other personal and household goods
E-invoicing
Reachable via Peppol
Peppol ID 0208:1024556362
Also 9925:BE1024556362
Registered 28-06-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

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