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PAYNOVATE GROUP

Active
Public limited companyfounded 2024active for 2 yearsKantersteen 47, 1000 Brussel, Belgium264 active companies are registered at this addressKBO/BCE: BE 1004.108.762
Summary

PAYNOVATE GROUP has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69,497 and a net result of €7,571. Its solvency ranks better than 38% of 10,757 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisFollow ReportCompare
PAYNOVATE GROUPActiveChecked score 88/100
Risk analysis ReportCompare

Overview

Activity
Activities of head offices
NACE 70100
1 site
Size
€180,636total assets 2025
Equity
€69,497
Profit
€7,571
Financial health
88 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Structure
Board
4 members
Holdings
1
2025 accounts filed 55 days late
Why 88raises riskLast filed accounts filed 55 days late; 1 of the last 3 lateFounded in 2024lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Size: total assets €180,636Show the evidence

Checked score

Score 2025
88 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 38% of its sector peers (NACE 70, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 63-10
equity 38.5% of total assets
Liquidity 39-15
short-term debt 61.3% · cash 16.7%
Profitability 74-11
return on assets 4.2%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,443 companies, NACE 70, micro)
Last 24 months 02-2025: 0.3% 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.3%● unchanged vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.4%▲ +0.1 percentage points vs 05-2025 07-2025: 0.4%● unchanged vs 06-2025 08-2025: 0.4%● unchanged vs 07-2025highest value 09-2025: 0.1%▼ -0.3 percentage points vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025lowest value 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.2%▲ +0.1 percentage points vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026
Credit of up to €6,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity tight (current ratio 1.06, compared with 0.98 in 2024, below the usual 1.5; short-term debt: 61.3% and cash: 16.7% of total assets), and 61.5% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro): better than 37% on solvency, 19% on liquidity, 38% on profitability and 60% on growth.

The bankruptcy probability was computed on 26-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises risk
lowers risk · Sector: Activities of head offices; management consultancy activities (NACE 70)
KBO
raises risk · Last filed accounts filed 55 days late; 1 of the last 3 late
NBB · filings
lowers risk · Size: total assets €180,636
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Founded in 2024
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · 2025 accounts filed 55 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-09-2026, 55 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filings
Deviation from the deadline
2025
55 days late
2024
18 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 37 days after the deadline; the sector median (NACE 70) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Where today falls in the filing period
27-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2024.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Annual accounts filedfinancial year 2024 · full…
  3. Resignation: BEECKMANS Benjamin (director)Name change · Director discharge…

Key points

  • Board4 directors in office 4 View
  • Total assets 20252 financial years filed €180,636 View
  • Active since 2024founded 02-01-2024 2 years View

By topic

Financials

Financial year
2025
Total assets
€180,636
Profit
€7,571
Solvency
38.5%
Go to Financials

Board & ownership

Board
4 members
  • MASSE RobertChair
  • MASSE PierreDirector
  • MASSE SabrinaDirector
  • VANVOOREN SandraDirector
Go to Board & ownership

Timeline

Events
4
Since
2024
Next accounts
by 31-07-2027
  1. 04-01-2024Incorporation
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Activities of head officesNACE 70100
Founded
02-01-2024
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
40
Purpose
“La prise de participation directe ou indirecte dans toutes sociétés ou entreprises…” (deed in French)
Go to Articles of association

Key facts about PAYNOVATE GROUP

What is the company number of PAYNOVATE GROUP?
1004.108.762. In Belgium the VAT number is the company number with BE in front: BE 1004.108.762.
Where is PAYNOVATE GROUP based?
The registered office is at Kantersteen 47, 1000 Brussel.Company details
What does PAYNOVATE GROUP do?
According to the KBO register, the main activity is activities of head offices (NACE 70100).
What is the legal form of PAYNOVATE GROUP?
Public limited company (NV).
When was PAYNOVATE GROUP founded?
On 02-01-2024.
Is PAYNOVATE GROUP still active?
Yes, PAYNOVATE GROUP is an active enterprise in the KBO register.
What is the turnover of PAYNOVATE GROUP?
€35,000 in financial year 2024, according to the filed annual accounts.Financials
Is PAYNOVATE GROUP profitable?
In financial year 2025, PAYNOVATE GROUP made a profit of €7,571.
Where can I find the annual accounts of PAYNOVATE GROUP?
PAYNOVATE GROUP filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of PAYNOVATE GROUP due?
By 31-07-2027, for financial year 2026.Timeline

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