PAVEMATI
ActivePAVEMATI has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €209k and a net result of €49k. Equity is growing by ~30.7% per year across the filed fiscal years. Its solvency ranks better than 75% of 675 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+17
Solvency100=
Growth52=
Stability94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 4.91 against 4.52 in 2024), and 19.8% 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+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 58
Relative position
BE, all sectors
reference
Sector 58
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
80.2%
Return on assets
18.8%
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 22-07-2026, 9 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
9 d early
2024
41 d early
2023
7 d early
2022
38 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€209k▲ 30.7%
2024 · €160k
2022: €94k
2023: €133k
2024: €160k
2022 → 2025
Total assets
€261k▲ 27.4%
2024 · €205k
2022: €142k
2023: €198k
2024: €205k
2022 → 2025
Net result
€49k▲ 84.3%
2024 · €27k
2022: €79k
2023: €40k
2024: €27k
2022 → 2025
Working capital
€203k▲ 28.6%
2024 · €158k
2022: €89k
2023: €130k
2024: €158k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€94k-€133k▲ 42.4%€160k▲ 20.0%€209k▲ 30.7%
Operating result€114k-€59k▼ 48.3%€41k▼ 30.3%€71k▲ 72.7%
Net result€79k-€40k▼ 49.5%€27k▼ 33.0%€49k▲ 84.3%
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 73% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €261k
Fixed assets
€7k▲ 157%
Current assets
€254k▲ 25.7%
Equity and liabilities €261k
Equity
€209k▲ 30.7%
Debt
€52k▲ 15.7%
The debt ratio falls from 21.8% to 19.8%: equity grows faster than debt.
Key figures and ratios
EBITDA
€72k▲
2024 · €42k
Cash flow
€50k▲
2024 · €28k
Solvency
80.2%▲
2024 · 78.2%
Current ratio
4.91▲
2024 · 4.52
Quick ratio
4.91▲
2024 · 4.52
Debt / equity
0.25▼
2024 · 0.28
ROE
23.5%▲
2024 · 16.6%
ROA
18.8%▲
2024 · 13.0%
Interest coverage
26.94▲
2024 · 15.54
Debt
€52k▲
2024 · €45k
Debt ≤ 1 year
€52k▲
2024 · €45k
Income taxes
€23k▲
2024 · €14k
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€205k€261k▲
Fixed assets21/28€3k€7k▲
Tangible fixed assets22/27€3k€7k▲
Plant, machinery and equipment23€380€101▼
Furniture and vehicles24€2k€7k▲
Current assets29/58€202k€254k▲
Amounts receivable within one year40/41€44k€22k▼
Trade receivables40€44k€22k▼
Current investments50/53€120k€114k▼
Cash at bank and in hand54/58€38k€117k▲
Deferred charges and accrued income490/1€399€2k▲
Equity and liabilities
Total equity and liabilities10/49€205k€261k▲
Equity10/15€160k€209k▲
Contributions10/11€15k€15k=
Reserves13€145k€194k▲
Distributable reserves133€145k€194k▲
Amounts payable17/49€45k€52k▲
Amounts payable within one year42/48€45k€52k▲
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€41k€46k▲
Taxes450/3€41k€46k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€897€595▼
Other operating charges640/8€549€855▲
Gross operating margin9900€43k€73k▲
Operating profit (loss)9901€41k€71k▲
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€41k€72k▲
Income taxes67/77€14k€23k▲
Profit (loss) for the period9904€27k€49k▲
Profit (loss) for the period to be appropriated9905€27k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€49k▲
Transfer to equity691/2€27k€49k▲
To other reserves6921€27k€49k▲
The notes to these accounts (5 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €209k ▲30.7%
4 profitable years in a row build equity to €209k.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €27k ▼33%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €160k ▲20%
3 profitable years in a row build equity to €160k.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €133k ▲42.4%
2 profitable years in a row build equity to €133k.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Antwerpen · 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.
Pyckestraat 262018 AntwerpenGround area
157 m²
Building footprint
108 m²
Volume, LiDAR
1,161 m³
Parcel 11810K1743/00Y004, Flanders · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
PAVEMATI
since 20212.316.931.904
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1743/00Y004 | Flanders | 157 m² | 1 · 108 m² | 15.0 m · 4 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.
Similar companies · same sector, comparable size
novasteria
BE 0524.986.467
Ottignies-Louvain-la-Neuve · Eq €209k
Airplan
BE 1007.333.716
Liège · Eq €208k
CONEX
BE 0878.535.334
Brussel · Eq €212k
EDARTA
BE 0862.037.515
Ukkel · Eq €206k
Working Software
BE 0736.506.152
Wingene · Eq €213k
Of 1,272 companies in sector 58290 we hold annual accounts for 587. 452 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2021
Fiscal year end31-12
Activities, NACEBEL
58290Other software publishing
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:pavemati@telenet.be