PHV Driving
ActivePHV Driving has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73k and a net result of €36k. Equity is growing by ~33.4% per year across the filed fiscal years. Its solvency ranks better than 39% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▼-2
Solvency67▼-20
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.54 against 2.92 in 2024; short-term debt: 43.7% and cash: 23.7% of total assets), and 58% 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
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 · 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 · 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
42%
Return on assets
20.5%
Age of the figures
9 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 31-03-2026, 122 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
122 d early
2024
30 d early
2023
40 d early
2022
45 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€73k▼ 31.7%
2024 · €108k
2022: €35k
2023: €70k
2024: €108k
2022 → 2025
Total assets
€175k▲ 0.7%
2024 · €174k
2022: €150k
2023: €161k
2024: €174k
2022 → 2025
Net result
€36k▼ 4.0%
2024 · €37k
2022: €33k
2023: €35k
2024: €37k
2022 → 2025
Working capital
€-35k
2024 · €31k
2022: €10k
2023: €18k
2024: €31k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€35k-€70k▲ 101%€108k▲ 53.2%€73k▼ 31.7%
Operating result€45k-€47k▲ 5.1%€49k▲ 5.1%€47k▼ 5.0%
Net result€33k-€35k▲ 6.7%€37k▲ 6.2%€36k▼ 4.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €175k
Fixed assets
€133k▲ 5.2%
Current assets
€41k▼ 11.3%
Equity and liabilities €175k
Equity
€73k▼ 31.7%
Debt
€101k▲ 53.6%
The debt ratio rises from 38.0% to 58.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€48k▼
2024 · €50k
Cash flow
€37k▼
2024 · €38k
Solvency
42.0%▼
2024 · 62.0%
Current ratio
0.54▼
2024 · 2.92
Quick ratio
0.54▼
2024 · 2.92
Debt / equity
1.38▲
2024 · 0.61
ROE
48.9%▲
2024 · 34.7%
ROA
20.5%▼
2024 · 21.5%
Interest coverage
40.76▲
2024 · 28.24
Debt
€101k▲
2024 · €66k
Debt ≤ 1 year
€76k▲
2024 · €16k
Debt > 1 year
€25k▼
2024 · €50k
Income taxes
€10k▼
2024 · €10k
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€174k€175k▲
Fixed assets21/28€127k€133k▲
Tangible fixed assets22/27€2k€8k▲
Furniture and vehicles24€2k€8k▲
Financial fixed assets28€125k€125k=
Current assets29/58€47k€41k▼
Cash at bank and in hand54/58€47k€41k▼
Equity and liabilities
Total equity and liabilities10/49€174k€175k▲
Equity10/15€108k€73k▼
Contributions10/11€2k€2k=
Reserves13€106k€71k▼
Distributable reserves133€106k€71k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€66k€101k▲
Amounts payable after more than one year17€50k€25k▼
Financial debts170/4€50k€25k▼
Amounts payable within one year42/48€16k€76k▲
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€15k€16k▲
Taxes450/3€15k€16k▲
Other amounts payable47/48-€60k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€465€772▲
Other operating charges640/8€499€512▲
Gross operating margin9900€50k€48k▼
Operating profit (loss)9901€49k€47k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€47k€46k▼
Income taxes67/77€10k€10k▼
Profit (loss) for the period9904€37k€36k▼
Profit (loss) for the period to be appropriated9905€37k€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€37k€36k▼
Transfer from equity791/2-€34k
Transfer to equity691/2€37k€0▼
To other reserves6921€37k€0▼
Profit to be distributed694/7-€70k
Return on contributions (dividend)694-€70k
The notes to these accounts (11 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €37k ▲6.2%
Operating result €49k, net result €37k, both a record.
31-12
Financial
Equity above €100kEq €108k ▲53.2%
3 profitable years in a row build equity to €108k.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-06
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, Pelt · 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.
Koningsstraat 213900 PeltGround area
717 m²
Building footprint
133 m²
Volume, LiDAR
1,203 m³
Parcel 72502D0473/00F000, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PHV Driving
since 20212.326.182.338
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72502D0473/00F000 | Flanders | 717 m² | 1 · 133 m² | 11.6 m · 3 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
Bit and Byte
BE 0628.983.434
Mont-Saint-Guibert · Eq €73k
W.W. CONSULT
BE 0474.346.529
Liedekerke · Eq €73k
BMCOMOP
BE 0802.777.344
Ellezelles · Eq €73k
MATHIJS
BE 0525.852.242
Kaprijke · Eq €73k
Bird's eye chili
BE 0899.111.113
Mortsel · Eq €73k
Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 39,831 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
85531Driving schools for cars and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.