PAVARI CONSULT
ActiveSummary
PAVARI CONSULT has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €259k and a net result of €14k. Equity is growing by ~40.8% per year across the filed fiscal years. Its solvency ranks better than 73% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-26
Solvency100▲+14
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 4.39 against 2.1 in 2024; short-term debt: 12.4% and cash: 42.4% of total assets), and 22.6% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
77.4%
Return on assets
4.1%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 26-06-2025, 127 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
127 d early
2024
119 d early
2023
117 d early
2022
118 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€259k▲ 5.6%
2024 · €246k
2022: €58k
2023: €106k
2024: €246k
2022 → 2025
Total assets
€335k▼ 17.2%
2024 · €405k
2022: €173k
2023: €265k
2024: €405k
2022 → 2025
Net result
€14k▼ 90.2%
2024 · €139k
2022: €48k
2023: €48k
2024: €139k
2022 → 2025
Working capital
€141k▲ 18.9%
2024 · €118k
2022: €30k
2023: €-1k
2024: €118k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€58k-€106k▲ 82.0%€246k▲ 131%€259k▲ 5.6%
Operating result€70k-€71k▲ 1.2%€204k▲ 189%€49k▼ 75.9%
Net result€48k-€48k▼ 1.0%€139k▲ 191%€14k▼ 90.2%
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 76% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €335k
Fixed assets
€153k ▼ 14.5%
Current assets
€182k ▼ 19.4%
Equity and liabilities €335k
Equity
€259k ▲ 5.6%
Debt
€76k ▼ 52.4%
Debt's share of the balance-sheet total falls from 39.4% to 22.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€93k▼
2024 · €244k
Cash flow
€58k▼
2024 · €179k
Current ratio
4.39▲
2024 · 2.10
Debt to equity
0.29▼
2024 · 0.65
ROE
5.3%▼
2024 · 56.7%
ROA
4.1%▼
2024 · 34.4%
Interest coverage
11.98▼
2024 · 31.76
Debt ≤ 1 year
€42k▼
2024 · €108k
Debt > 1 year
€34k▼
2024 · €52k
Income taxes
€28k▼
2024 · €57k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€405k€335k▼
Fixed assets21/28€179k€153k▼
Tangible fixed assets22/27€179k€153k▼
Plant, machinery and equipment23€14k€10k▼
Furniture and vehicles24€37k€31k▼
Leasing and similar rights25€66k€48k▼
Other tangible fixed assets26€63k€64k▲
Current assets29/58€226k€182k▼
Amounts receivable within one year40/41€22k€33k▲
Trade receivables40€22k€24k▲
Other amounts receivable41€17€9k▲
Cash at bank and in hand54/58€191k€142k▼
Deferred charges and accrued income490/1€14k€7k▼
Equity and liabilities
Total equity and liabilities10/49€405k€335k▼
Equity10/15€246k€259k▲
Contributions10/11€10k€10k=
Reserves13€236k€249k▲
Distributable reserves133€236k€249k▲
Amounts payable17/49€159k€76k▼
Amounts payable after more than one year17€52k€34k▼
Financial debts170/4€52k€34k▼
Amounts payable within one year42/48€108k€42k▼
Current portion of amounts payable after more than one year42€17k€17k▲
Trade debts44€24k€4k▼
Suppliers440/4€24k€4k▼
Taxes, remuneration and social security45€67k€20k▼
Taxes450/3€64k€20k▼
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€162€162=
Accrued charges and deferred income492/3€180€370▲
Income statement
Code20242025
Non-recurring operating income76A€52k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€44k▲
Other operating charges640/8€26k€13k▼
Gross operating margin9900€270k€106k▼
Operating profit (loss)9901€204k€49k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€8k€8k▲
Recurring financial charges65€8k€8k▲
Profit (loss) for the period before taxes9903€196k€41k▼
Income taxes67/77€57k€28k▼
Profit (loss) for the period9904€139k€14k▼
Profit (loss) for the period to be appropriated9905€139k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€139k€14k▼
Transfer to equity691/2€139k€14k▼
To other reserves6921€139k€14k▼
The notes to these accounts (8 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
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €14k ▼90.2%
Net result drops to €14k, the lowest in the series.
31-03
Financial
Liquidity doublescurrent ratio 4.39
Current ratio from 2.10 to 4.39; short-term debt falls from €108k to €42k.
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2022net €139k ▲191%
Operating result €204k, net result €139k, both a record.
31-03
Financial
Liquidity doublescurrent ratio 2.10
Current ratio from 0.99 to 2.10.
31-03
Financial
Equity above €200kEq €246k ▲131%
3 profitable years in a row build equity to €246k.
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Equity above €100kEq €106k ▲82%
2 profitable years in a row build equity to €106k.
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
28-07
State Gazette act
General meeting · Board meeting
Director resignation · Director appointment
28-07
State Gazette act
General meeting · Board meeting
Director resignation · Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Puurs-Sint-Amands · 1 establishment unit since 2021
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.
Oppuurseweg(LIP) 472890 Puurs-Sint-AmandsGround area
1,804 m²
Building footprint
316 m²
Volume, LiDAR
572 m³
Parcel 12023A0051/00G000, Flanders · tallest building 9.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PAVARI CONSULT
since 20212.316.213.213
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12023A0051/00G000 | Flanders | 1,804 m² | 1 · 316 m² | 9.0 m · 1 fl. |
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.
Structure & network
Connections & network
1 connected companyLinked via shared directors
Shared director
→
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,797 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-04-2021
Fiscal year end31-03
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:els.vanriet@pas-ets.be
Phone:0472895512