The higher the Checked score (0 to 100), the smaller the chance that the company goes bankrupt within twelve months. That chance sets the band, from Critical to Excellent, and within the band how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
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Bankruptcy probability within 12 months
Bankruptcy probability
It is the chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. At 0.2%, about 2 in 1,000 comparable companies go bankrupt. The higher it is, the shorter the payment term to agree.
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Financial strength
Financial strength
Financial strength measures the balance sheet and the results with three figures out of 100 from the latest annual accounts: solvency, liquidity and profitability. It does not directly set the Checked score's band. How the company does against its sector peers on these and on growth does count for its place within the band.
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Score breakdown
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Comparable companies, two years later
In July 2024, 39,326 companies had the same profile as PELVIK has now. Each dot stands for 99 companies, two years later.
95.7%
were still trading
2.4%
stopped another way
1.8%
went bankrupt
Micro
2 to 5 years old
solvency 30% or more
a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,762 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
The companies in ten equal groups, from the lowest to the highest expected share
Group
Expected
Actual
1
0.2%
0.2%
2
0.3%
0.5%
3
0.5%
0.6%
4
0.7%
0.8%
5
0.9%
0.9%
6
1.3%
1.5%
7
1.6%
1.8%
8
1.8%
1.8%
9
2.9%
3.1%
10
5.6%
6.1%
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,326 companies, not a prediction for PELVIK. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit verdict
The credit verdict says how much credit you can give the company on open account. “Acceptable” means normal terms, “With conditions” means limiting the amount or the term. “Not advised” means asking for payment up front.
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Credit check for an amount and term of your choice
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1014254764
Incorporation
Founding capital of €2,400, 2,400 shares · Founders: Name hiddenVisible after signing in and Hidden nameVisible after signing in · Appointments: Name after signing inVisible after signing in (director) and Name hiddenVisible after signing in (director) · published on 01-10-2024 · Gazette deed
Sector peers are the companies with the same activity (NACE code) and, where stated, the same size, that the company is compared with. A percentile says how many of them do worse.
These companies have the same main activity as PELVIK: physiotherapy (NACE 86951). They are comparable in size and age: total assets between €180,000 and €208,000, founded between 2024 and 2025.
PELVIK has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €126,552 and a net result of €82,323.
Its solvency ranks better than 59% of 21,322 sector peers (NACE 86, financial year 2025).
micro format, filed on 25-06-2026, 36 days before the deadline
Abbreviated and micro format
Small companies may file abbreviated or micro-format accounts. They often leave out revenue and other detail. The law allows it, so it is not missing data.
Sector peers are the companies with the same activity (NACE code) and, where stated, the same size, that the company is compared with. A percentile says how many of them do worse.
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
A company files its annual accounts with the National Bank no later than seven months after its financial year ends. Repeated late filing is a warning sign.
per financial year, computed from the annual accounts
Line
Trend
2025
2024
121,736
54,344
90,058
43,445
7,312
29,212
71,454
-
99,379
16,633
71.6%
49.0%
2.98
1.36
0.40
1.04
65.1%
94.6%
46.6%
46.4%
58.28
over 100
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired
Investment
Investment is what the company bought in the financial year in buildings, machinery, software and other fixed assets. Above depreciation, it is building up. Years below it, it is living off what it has.
Item
2025
2024
Tangible fixed assets
€7,312
€29,212
€7,735
€1,616
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on PELVIK
The operating result for 2025 is 116% higher than in 2024.
Debt's share of the balance-sheet total falls from 51.0% to 28.4%. Equity and debt are higher.
Board & ownership
Board
Directors
Many board changes in a short time are a reason to keep a close eye on the company.
2 directors, since incorporation
Name hiddenVisible after signing in
Director (not named in the articles)
appointed by deed of 01-10-2024term without a fixed end
Each bar is one period in a role, from appointment to resignation or to today. An open left edge means the mandate began before its first mention. An open right edge means the mandate ended without a stated end date.
2 names, the dashed line is today
20242025202620272028
Name after signing inVisible after signing in Director (not named in the articles)
Name hiddenVisible after signing in Director (not named in the articles)
Board
Mandates as a list
Hidden nameVisible after signing in
Director (not named in the articles), appointed by deed of 01-10-2024, still in office
Name after signing inVisible after signing in
Director (not named in the articles), appointed by deed of 01-10-2024, still in office
Name hiddenVisible after signing in1,200 shares (50%) · €1,200
Hidden nameVisible after signing infounder
Name after signing inVisible after signing in1,200 shares (50%) · €1,200
Network & group
No group
PELVIK has no parent and no holdings in its annual accounts. PELVIK shares no director with another company.
Timeline
Timeline
7 events since 2024
Filings
Financial
Establishments
202420252026
Deadline for the 2026 accounts:
31-07-2027
2026
Annual accounts 2025 filedNBB ↗micro format · 36 days before the deadline
2025
Liquidity more than doubledcurrent ratio 2.98 The current ratio rises from 1.36 to 2.98.
Equity above €100,000equity €126,552 ▲186% With a profit in every financial year since 2024, equity grows to €126,552.
Registered in the Peppol Directory Reachable for e-invoices through 0208:1014254764
Annual accounts 2024 filedNBB ↗micro format · 28 days late
2024
IncorporationFounding capital of €2,400, 2,400 shares · Founders: Hidden nameVisible after signing in and Name after signing inVisible after signing in · Appointments: Name hiddenVisible after signing in (director) and Hidden nameVisible after signing in (director) · published on 01-10-20246 points ▸
Director appointment, Name after signing inVisible after signing in (director (not named in the articles))
Director appointment, Name hiddenVisible after signing in (director (not named in the articles))
Permanent representative, Hidden nameVisible after signing in
Founder, Name after signing inVisible after signing in
Each sentence rests on a document from the KBO register, the Belgian Official Gazette or the National Bank. The number after the sentence opens that document.
On 27 September 2024, PELVIK was incorporated as a private limited company by three natural persons, with a starting capital of €2,400.12Today the board has 2 members.3The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
63990Computing infrastructure, data processing, hosting and other information service activities
82990Other business support services
85599Other education
86909Human health activities
93199Other sports activities
PurposeThe purpose describes the activities the company may carry out under its articles.
“Uitbaten van een multidisciplinaire (para)medische praktijk, verstrekken van diensten in verband met fysiotherapie, behandelen van…”
31 activities
Uitbaten van een multidisciplinaire (para)medische praktijk, verstrekken van diensten in verband met fysiotherapie, behandelen van mobiliteitsstoornissen, orthopedische manuele therapieën, verstrekken van massages en aanverwante therapieën, en alle met het kinesitherapieberoep aanverwante en niet-onverenigbare disciplines
Het verlenen van diensten van advies, bijstand, preventie en gezondheidszorg aan: zieken, zorgbehoevenden, ziekenhuizen, rust- en verzorgingsinstellingen, kinderdagverblijven, organisaties voor maatschappelijke dienstverlening, en andere instellingen, verenigingen (rechts)personen of organisaties voor gezondheids- of patiëntenzorg, dit alles in de meest ruime zin van het woord
Het aan- en verkopen, huren, verhuren of ter beschikking stellen van verbruiksgoederen, onderhoudsproducten, randapparatuur, materieel en aanverwanten uit de medische en paramedische sector
Het verlenen van diensten van informatie, demonstratie, promotie, marketing en verkoop inzake (para)medische en farmaceutische producten en apparatuur
Het geven van opleidingen, coaching, groepslessen, en trainingen in de meest ruime zin
Het beheer en exploitatie van sportclubs, fitness- en wellnessclubs, het bieden van sportservice, sportadvies, begeleiding van cliënteel op sportief gebied, aerobics en aanverwanten, figuurverbetering, afslanking, lichaamsverzorging, zonnebank, personal training, kinesitherapie, osteopathie, ergonomie, massage, sauna, relaxatie- en ontspanningscentrum, testcentrum en andere sporten, zowel via de klassieke manier als via online kanalen
Alle mogelijke handelingen inzake goederen en diensten die rechtstreeks of onrechtstreeks verband houden met de handel in allerhande sport gerelateerde goederen zoals detail- en groothandel, import en export van sportmateriaal, -kledij, -uitrusting en toebehoren, alsook van sportdranken, -voedsel en voedings-supplementen, dit zowel via de klassieke verkoopkanalen als via online verkoopplatformen
Promotie van gezondheid, bewegen en sporten
Begeleiding, opleiding en raadgeving van sportatleten en sportverenigingen
Consultant, coach van atleten en verenigingen, evenals uitvoeren van scoutingopdrachten, diverse activiteiten binnen sportsponsoring, eigen organisaties en projectmanagement
Commerciële begeleiding en management van atleten
Voedingsadvies
Het vervaardigen van voedingsmiddelen
Organisatie van workshops, opleidingen, incentive programma’s voor bedrijven, sportstages, opleidingen, seminaries, evenementen en beurzen in de meest brede zin
Verstrekken van adviezen, het begeleiden en het onderrichten van klanten in verband met gezondheid, bewegen en sporten
De handel in en creatie van textielwaren, logo’s, slogans en promotionele artikels, alsook marketing op gebied van sport en grafische prestaties in de ruime zin
Het verwerven, verkopen, afstaan of uitbaten en in licentie geven van octrooien, handelsmerken, al dan niet geheime industriële en intellectuele eigendom en licenties
Het opzetten van franchiseconcepten, zowel als franchisegever als –nemer
Het uitbaten van een webshop
Het verlenen van management- en consulting diensten
Bestuur, beheer en (her)structurering van ondernemingen en vennootschappen
Het uitbaten van concessies, licenties en andere immateriële rechten en activa
Het uitsluitend voor eigen rekening beheren van alle soorten rechten, beleggingen en financiële instrumenten, zoals onder meer, zonder dat deze opsomming beperkend is, auteursrechten en andere roerende rechten, kunstvoorwerpen, kasbonnen, aandelen, obligaties, opties, en andere
In het algemeen mag zij zowel in België als in het buitenland roerende, onroerende, financiële en commerciële activiteiten verrichten die rechtstreeks of onrechtstreeks dienstig zijn om haar activiteiten uit te oefenen of uit te breiden, zonder dat deze opsomming beperkend is
De vennootschap mag optreden als lasthebber, bestuurder, zaakvoerder en/of vereffenaar van alle rechtspersonen
De vennootschap mag participaties nemen en investeringen doen, onder welke vorm ook, in andere ondernemingen
De vennootschap mag alle verrichtingen, met inbegrip van financiële, roerende en onroerende verrichtingen, doen die rechtstreeks of onrechtstreeks verband houden met haar voorwerp
Volle rechtsbekwaamheid om alle handelingen en verrichtingen te voltrekken die een rechtstreeks of onrechtstreeks verband houden met haar voorwerp of welke van die aard zouden zijn dat zij de verwezenlijking van dit voorwerp, rechtstreeks of onrechtstreeks, geheel of ten dele vergemakkelijken
Belangen nemen door associatie, inbreng, fusie, financiële tussenkomst of op gelijk welke andere wijze, in alle vennootschappen, verenigingen of ondernemingen met een identiek, gelijklopend of samenhangend voorwerp met het hare of die van aard kunnen zijn de ontwikkeling van haar onderneming te begunstigen of een bron van afzetten te vormen
Functies van bestuurder of vereffenaar uitoefenen in andere vennootschappen
Zich borgstellen of zakelijke zekerheden verlenen ten voordele van vennootschappen of particulieren, in de meest ruime zin