PAUVIC
ActivePAUVIC has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €135k and a net result of €2k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 49% of 6965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability6▼-4
Solvency63▼-1
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.34 against 0.38 in 2024), and 46.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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
53.4%
Return on assets
0.6%
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 12-05-2026, 80 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
80 d early
2024
83 d early
2023
78 d early
2022
84 d early
2021
87 d early
2020
82 d early
2019
87 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€135k▼ 9.0%
2024 · €149k
2018: €142k
2019: €140k
2020: €139k
2021: €143k
2022: €146k
2023: €146k
2024: €149k
2018 → 2025
Total assets
€254k▼ 4.1%
2024 · €265k
2018: €354k
2019: €331k
2020: €319k
2021: €313k
2022: €298k
2023: €277k
2024: €265k
2018 → 2025
Net result
€2k▼ 46.9%
2024 · €3k
2018: €-849
2019: €-2k
2020: €-477
2021: €4k
2022: €2k
2023: €-24
2024: €3k
2018 → 2025
Working capital
€-37k▼ 48.1%
2024 · €-25k
2018: €-22k
2019: €-18k
2020: €-13k
2021: €-17k
2022: €-17k
2023: €-30k
2024: €-25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€143k-€146k▲ 1.6%€146k=€149k▲ 2.1%€135k▼ 9.0%
Operating result€14k-€10k▼ 29.7%€6k▼ 33.6%€10k▲ 53.3%€7k▼ 30.5%
Net result€4k-€2k▼ 44.2%€-24€3k€2k▼ 46.9%
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 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €254k
Fixed assets
€235k▼ 5.7%
Current assets
€19k▲ 20.6%
Equity and liabilities €254k
Equity
€135k▼ 9.0%
Provisions
€5k▼ 25.0%
Debt
€114k▲ 3.7%
The debt ratio rises from 41.4% to 44.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€21k▼
2024 · €24k
Cash flow
€16k▼
2024 · €17k
Solvency
53.4%▼
2024 · 56.3%
Current ratio
0.34▼
2024 · 0.38
Quick ratio
0.34▼
2024 · 0.38
Debt / equity
0.84▲
2024 · 0.74
ROE
1.2%▼
2024 · 2.1%
ROA
0.6%▼
2024 · 1.2%
Interest coverage
4.19▼
2024 · 4.56
Debt
€114k▲
2024 · €110k
Debt ≤ 1 year
€56k▲
2024 · €40k
Debt > 1 year
€58k▼
2024 · €69k
Income taxes
€2k▼
2024 · €3k
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€265k€254k▼
Fixed assets21/28€249k€235k▼
Intangible fixed assets21€122k€122k=
Tangible fixed assets22/27€127k€113k▼
Land and buildings22€127k€113k▼
Current assets29/58€16k€19k▲
Amounts receivable within one year40/41€4k€11k▲
Trade receivables40€3k€9k▲
Other amounts receivable41€563€2k▲
Cash at bank and in hand54/58€12k€8k▼
Equity and liabilities
Total equity and liabilities10/49€265k€254k▼
Equity10/15€149k€135k▼
Contributions10/11€19k€19k=
Reserves13€40k€27k▼
Tax-exempt reserves132€14k€11k▼
Distributable reserves133€26k€16k▼
Profit (loss) carried forward14€90k€90k=
Provisions and deferred taxes16€6k€5k▼
Deferred taxes168€6k€5k▼
Amounts payable17/49€110k€114k▲
Amounts payable after more than one year17€69k€58k▼
Financial debts170/4€56k€45k▼
Other amounts payable178/9€13k€13k=
Amounts payable within one year42/48€40k€56k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44-€815
Suppliers440/4-€815
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€26k€39k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k=
Other operating charges640/8€2k€2k▼
Gross operating margin9900€26k€23k▼
Operating profit (loss)9901€10k€7k▼
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€5k€2k▼
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€3k€2k▼
Transfer from tax-exempt reserves789€3k€3k=
Profit (loss) for the period to be appropriated9905€6k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€96k€95k▼
Profit (loss) brought forward from the previous period14P€90k€90k=
Transfer from equity791/2-€15k
Transfer to equity691/2€6k€5k▼
To other reserves6921€6k€5k▼
Profit to be distributed694/7-€15k
Return on contributions (dividend)694-€15k
The notes to these accounts (6 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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
14-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
10-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
05-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
10-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-05
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
6 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, Knokke-Heist · 1 establishment unit since 2003
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.
Jozef Nellenslaan 538300 Knokke-HeistGround area
278 m²
Building footprint
217 m²
Volume, LiDAR
3,105 m³
Parcel 31013A0142/00A000, Flanders · tallest building 17.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Jozef Nellenslaan 53, 8300 Knokke-Heist
since 20032.114.829.929
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31013A0142/00A000indicative | Flanders | 278 m² | 1 · 217 m² | 17.8 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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 13,391 companies in sector 73300 we hold annual accounts for 6,882. 5,474 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-2002
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
74141
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.