PeVaCa
ActiveSummary
PeVaCa is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€33,693) and a net result of -€21,411. Equity is growing by ~20.4% per year across the filed fiscal years. Its solvency ranks better than 5% of 8094 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 8094 sector peers (2025).
NBB · sector comparisonPosition among 8094 sector peers
Solvency
better than 5%
← weakest
strongest →
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
50 d early
2023
62 d early
2022
on the day
2021
16 d early
2020
12 d early
2019
8 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 23 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 15 July (4 of the last 5 filed years within 34 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€33,693▼ 174%
2024 · -€12,283
Net result
-€21,411
2024 · €5,391
Total assets
€87,843▲ 353%
2024 · €19,379
Solvency
-38.4%▲ 25.0pp
2024 · -63.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€31,382€39,576▲ 26.1%€79,742▲ 101%€12,074▼ 84.9%-€15,119
Net result€28,746within the sector's middle half€38,032within the sector's middle half▲ 32.3%€78,696within the sector's middle half▲ 107%€5,391within the sector's middle half▼ 93.1%-€21,411below the sector's middle half
Equity-€134,403below the sector's middle half▲ 17.6%-€96,370below the sector's middle half▲ 28.3%-€17,674below the sector's middle half▲ 81.7%-€12,283below the sector's middle half▲ 30.5%-€33,693below the sector's middle half▼ 174%
Total assets€2,584below the sector's middle half▼ 92.2%€122below the sector's middle half▼ 95.3%€7,239below the sector's middle half▲ 5,814%€19,379below the sector's middle half▲ 168%€87,843below the sector's middle half▲ 353%
Debt€136,986▼ 30.1%€96,493▼ 29.6%€24,913▼ 74.2%€31,662▲ 27.1%€121,536▲ 284%
Working capital-€134,403below the sector's middle half▲ 10.5%-€96,370below the sector's middle half▲ 28.3%-€17,674within the sector's middle half▲ 81.7%-€18,221within the sector's middle half▼ 3.1%-€56,666below the sector's middle half▼ 211%
Solvency-5202.2%below the sector's middle half▼ 4707.3pp-78734.0%below the sector's middle half▼ 73531.8pp-244.2%below the sector's middle half▲ 78489.8pp-63.4%below the sector's middle half▲ 180.8pp-38.4%below the sector's middle half▲ 25.0pp
Current ratio0.29below the sector's middle half0.42below the sector's middle half▲ 0.130.16below the sector's middle half▼ 0.26
Return on assets (ROA)27.8%above the sector's middle half-24.4%below the sector's middle half▼ 52.2pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €15,119 after €12,074 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €87,843
Fixed assets
€76,723 ▲ 1,192%
Current assets
€11,120 ▼ 17.3%
Key figures and ratios
Debt ≤ 1 year
€67,787▲
2024 · €31,662
Debt > 1 year
€53,749
Income taxes
€215▼
2024 · €2,430
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €4,975 | - |
| Remuneration, social security and pensions62 | -€5,105 | €0 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €383 | €0 | - | €96 | €5,024 | ▲ 5,155% |
| Other operating charges640/8 | €2,218 | €713 | €685 | €2,042 | €7,124 | ▲ 249% |
| Gross operating margin9900 | €28,877 | €40,289 | €80,427 | €14,212 | -€2,971 | ▼ 121% |
| Operating profit (loss)9901 | €31,382 | €39,576 | €79,742 | €12,074 | -€15,119 | ▼ 225% |
| Financial income75/76B | €949 | €35 | €0 | €0 | €4 | - |
| Recurring financial income75 | €949 | €35 | €0 | €0 | €4 | - |
| Financial charges65/66B | €3,322 | €1,459 | €950 | €4,253 | €6,081 | ▲ 43.0% |
| Recurring financial charges65 | €3,322 | €1,459 | €950 | €4,253 | €6,081 | ▲ 43.0% |
| Profit (loss) for the period before taxes9903 | €29,008 | €38,152 | €78,793 | €7,822 | -€21,196 | ▼ 371% |
| Income taxes67/77 | €262 | €120 | €96 | €2,430 | €215 | ▼ 91.1% |
| Profit (loss) for the period9904 | €28,746 | €38,032 | €78,696 | €5,391 | -€21,411 | ▼ 497% |
| Profit (loss) for the period to be appropriated9905 | €28,746 | €38,032 | €78,696 | €5,391 | -€21,411 | ▼ 497% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2,584 | €122 | €7,239 | €19,379 | €87,843 | ▲ 353% |
| Fixed assets21/28 | €0 | - | - | €5,938 | €76,723 | ▲ 1,192% |
| Tangible fixed assets22/27 | €0 | - | - | €5,938 | €76,723 | ▲ 1,192% |
| Land and buildings22 | - | - | - | - | €49,932 | - |
| Furniture and vehicles24 | €0 | - | - | - | €21,457 | - |
| Other tangible fixed assets26 | - | - | - | €5,938 | €5,335 | ▼ 10.2% |
| Current assets29/58 | €2,584 | €122 | €7,239 | €13,441 | €11,120 | ▼ 17.3% |
| Amounts receivable within one year40/41 | €0 | - | €4,212 | €10,939 | €9,118 | ▼ 16.6% |
| Trade receivables40 | €0 | - | €4,212 | €10,725 | €9,118 | ▼ 15.0% |
| Other amounts receivable41 | €0 | - | - | €214 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €2,584 | €122 | €3,027 | €2,415 | €1,893 | ▼ 21.6% |
| Deferred charges and accrued income490/1 | €0 | - | - | €87 | €109 | ▲ 25.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2,584 | €122 | €7,239 | €19,379 | €87,843 | ▲ 353% |
| Equity10/15 | -€134,403 | -€96,370 | -€17,674 | -€12,283 | -€33,693 | ▼ 174% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | -€154,863 | -€116,830 | -€38,134 | -€32,743 | -€54,153 | ▼ 65.4% |
| Amounts payable17/49 | €136,986 | €96,493 | €24,913 | €31,662 | €121,536 | ▲ 284% |
| Amounts payable after more than one year17 | €0 | - | - | - | €53,749 | - |
| Financial debts170/4 | €0 | - | - | - | €53,749 | - |
| Amounts payable within one year42/48 | €136,986 | €96,493 | €24,913 | €31,662 | €67,787 | ▲ 114% |
| Current portion of amounts payable after more than one year42 | €0 | - | - | - | €13,997 | - |
| Trade debts44 | €1,438 | €2,324 | €1,183 | €7,721 | €15,657 | ▲ 103% |
| Suppliers440/4 | €1,438 | €2,324 | €1,183 | €7,721 | €15,657 | ▲ 103% |
| Advances received on contracts in progress46 | - | - | €3,002 | €0 | - | - |
| Taxes, remuneration and social security45 | €3,961 | €3,165 | €3,970 | €7,220 | €4,349 | ▼ 39.8% |
| Taxes450/3 | €3,961 | €3,165 | €3,970 | €7,220 | €4,349 | ▼ 39.8% |
| Remuneration and social security454/9 | €0 | - | - | - | - | - |
| Other amounts payable47/48 | €131,587 | €91,004 | €16,759 | €16,720 | €33,784 | ▲ 102% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €28,746 | €38,032 | €78,696 | €5,391 | -€21,411 | ▼ 497% |
| + Depreciation and write-downs630 | €383 | €0 | - | €96 | €5,024 | ▲ 5,155% |
| Operating cash flow (approximation) | €29,129 | €38,032 | €78,696 | €5,487 | -€16,387 | ▼ 399% |
| Investment in fixed assets (approximation) | - | - | - | - | -€75,809 | - |
| Change in cash | - | -€2,461 | €2,905 | -€612 | -€522 | ▲ 14.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €78,696 ▲107%
Operating result €79,742, net result €78,696, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €28,746
Net result €28,746 after 3 loss-making years.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
25-07
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.
0 of 9 acts read
About the unread acts
We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
9 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, Blankenberge · 1 establishment unit since 2012
Ground area
224 m²
Building footprint
136 m²
Volume, LiDAR
1,838 m³
Parcel 31602A0838/00Z005, Flanders · tallest building 22.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
J. de Troozlaan 89, 8370 Blankenberge
since 20122.207.170.167
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31602A0838/00Z005 | Flanders | 224 m² | 1 · 136 m² | 22.9 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-02-2012
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0843399261
Also
9925:BE0843399261
Registered
17-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.