PAVA Consult
ActivePAVA Consult has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €944k and a net result of €41k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 34% of 12708 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+2
Solvency63▲+8
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity short (current ratio 0.38 against 1.08 in 2024; short-term debt: 22.8% and cash: 0.1% of total assets), and 61.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
38.4%
Return on assets
1.7%
Age of the figures
9 mo
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
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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
61 d late
2023
58 d late
2022
25 d late
2021
31 d late
2020
30 d late
2019
19 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€944k▲ 4.5%
2024 · €903k
2018: €446k
2019: €537k
2020: €483k
2021: €617k
2022: €670k
2023: €852k
2024: €903k
2018 → 2025
Total assets
€2.46M▼ 17.4%
2024 · €2.97M
2018: €819k
2019: €872k
2020: €869k
2021: €979k
2022: €1.04M
2023: €2.09M
2024: €2.97M
2018 → 2025
Net result
€41k▼ 20.1%
2024 · €51k
2018: €109k
2019: €103k
2020: €126k
2021: €134k
2022: €163k
2023: €182k
2024: €51k
2018 → 2025
Working capital
€-348k
2024 · €57k
2018: €638k
2019: €698k
2020: €605k
2021: €709k
2022: €731k
2023: €734k
2024: €57k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€617k-€670k▲ 8.6%€852k▲ 27.2%€903k▲ 6.0%€944k▲ 4.5%
Operating result€168k-€213k▲ 27.0%€250k▲ 17.5%€107k▼ 57.4%€112k▲ 5.3%
Net result€134k-€163k▲ 21.6%€182k▲ 11.6%€51k▼ 71.8%€41k▼ 20.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.46M
Fixed assets
€2.25M▲ 1.7%
Current assets
€211k▼ 72.4%
Equity and liabilities €2.46M
Equity
€944k▲ 4.5%
Debt
€1.51M▼ 26.9%
The debt ratio falls from 69.6% to 61.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€293k▼
2024 · €295k
Cash flow
€221k▼
2024 · €240k
Solvency
38.4%▲
2024 · 30.4%
Current ratio
0.38▼
2024 · 1.08
Quick ratio
0.38▼
2024 · 1.08
Debt / equity
1.60▼
2024 · 2.29
ROE
4.3%▼
2024 · 5.7%
ROA
1.7%▼
2024 · 1.7%
Interest coverage
5.84▲
2024 · 5.57
Debt
€1.51M▼
2024 · €2.07M
Debt ≤ 1 year
€559k▼
2024 · €709k
Debt > 1 year
€817k▼
2024 · €874k
Income taxes
€23k▲
2024 · €17k
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€2.97M€2.46M▼
Fixed assets21/28€2.21M€2.25M▲
Tangible fixed assets22/27€2.21M€2.25M▲
Land and buildings22€2.18M€2.22M▲
Plant, machinery and equipment23€22k€20k▼
Furniture and vehicles24€9k€7k▼
Assets under construction and advance payments27€0-
Financial fixed assets28€0-
Current assets29/58€766k€211k▼
Amounts receivable after more than one year29€31k€22k▼
Other amounts receivable291€31k€22k▼
Amounts receivable within one year40/41€485k€186k▼
Trade receivables40€52k€30k▼
Other amounts receivable41€434k€156k▼
Cash at bank and in hand54/58€246k€2k▼
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€2.97M€2.46M▼
Equity10/15€903k€944k▲
Contributions10/11€12k€12k=
Reserves13€890k€931k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€890k€931k▲
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Other liabilities and charges164/5€0-
Amounts payable17/49€2.07M€1.51M▼
Amounts payable after more than one year17€874k€817k▼
Financial debts170/4€874k€817k▼
Amounts payable within one year42/48€709k€559k▼
Current portion of amounts payable after more than one year42€88k€392k▲
Financial debts43€168€6k▲
Credit institutions430/8€168€6k▲
Trade debts44€352k€103k▼
Suppliers440/4€352k€103k▼
Taxes, remuneration and social security45€269k€47k▼
Taxes450/3€269k€47k▼
Other amounts payable47/48-€10k
Accrued charges and deferred income492/3€487k€137k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€189k€181k▼
Other operating charges640/8€10€3k▲
Non-recurring operating charges66A-€46k
Gross operating margin9900€295k€342k▲
Operating profit (loss)9901€107k€112k▲
Financial income75/76B€14k€2k▼
Recurring financial income75€14k€2k▼
Financial charges65/66B€53k€50k▼
Recurring financial charges65€53k€50k▼
Profit (loss) for the period before taxes9903€68k€64k▼
Income taxes67/77€17k€23k▲
Profit (loss) for the period9904€51k€41k▼
Profit (loss) for the period to be appropriated9905€51k€41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€51k€41k▼
Transfer to equity691/2€51k€41k▼
To other reserves6921€51k€41k▼
The notes to these accounts (10 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €41k ▼20.1%
Net result drops to €41k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Highest result since 2018net €182k ▲11.6%
Operating result €250k, net result €182k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €500kEq €617k ▲27.8%
4 profitable years in a row build equity to €617k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
31-12
Financial
Equity above €500kEq €537k ▲20.3%
2 profitable years in a row build equity to €537k.
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
20-07
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, Zuienkerke · 1 establishment unit since 2009
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.
Blankenbergse Steenweg 108377 ZuienkerkeGround area
103 m²
Parcel 31462C0459/00M002, Flanders. Linked by address, not a title deed.
1 establishment unit
Blankenbergse Steenweg 10, 8377 Zuienkerke
since 20092.200.793.210
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31462C0459/00M002 | Flanders | 103 m² | - | - |
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.
Similar companies · same sector, comparable size
TaxCalCul
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Oudenaarde · Eq €947k
ABS BUREAU
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Geel · Eq €947k
T.Q.A.
BE 0478.806.054
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HENDRICKX ACCOUNTANCY
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Lier · Eq €938k
Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 4,541 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-2009
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.