PGMV
ActivePGMV has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €66k. Its solvency ranks better than 37% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes
Profitability100
Solvency75
Growth-
Stability67
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 1.65), but 60.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
39.3%
Return on assets
36.5%
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 27-07-2026, 4 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
4 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€71k
Total assets
€180k
Net result
€66k
Working capital
€71k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €180k
Equity
€71k
Debt
€109k
Debt finances 60.7% of the balance-sheet total.
Key figures and ratios
Solvency
39.3%
Current ratio
1.65
Quick ratio
1.65
Debt / equity
1.55
ROE
92.9%
ROA
36.5%
Debt
€109k
Debt ≤ 1 year
€109k
Income taxes
€17k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€180k
Current assets29/58€180k
Amounts receivable within one year40/41€93k
Trade receivables40€92k
Other amounts receivable41€433
Cash at bank and in hand54/58€87k
Equity and liabilities
Total equity and liabilities10/49€180k
Equity10/15€71k
Contributions10/11€5k
Reserves13€66k
Distributable reserves133€66k
Amounts payable17/49€109k
Amounts payable within one year42/48€109k
Trade debts44€92k
Suppliers440/4€92k
Taxes, remuneration and social security45€17k
Taxes450/3€17k
Other amounts payable47/48€201
Income statement
Code2025
Other operating charges640/8€322
Gross operating margin9900€83k
Operating profit (loss)9901€83k
Financial charges65/66B€56
Recurring financial charges65€56
Profit (loss) for the period before taxes9903€83k
Income taxes67/77€17k
Profit (loss) for the period9904€66k
Profit (loss) for the period to be appropriated9905€66k
Appropriation of the result
Profit (loss) to be appropriated9906€66k
Transfer to equity691/2€66k
To other reserves6921€66k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Kortrijk
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.
Beeklaan(Kor) 278500 KortrijkGround area
396 m²
Building footprint
91 m²
Volume, LiDAR
433 m³
Parcel 34354C0307/00E000, Flanders · tallest building 8.6 m, ±1 floor. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354C0307/00E000 | Flanders | 396 m² | 1 · 91 m² | 8.6 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.
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 39,551 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2024
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.