PIRVAL BOUW

Active

Private limited companyfounded 20196 yrs activeZwijnaardsesteenweg 44, 9000 Gent, BelgiumKBO/BCE: BE 0735.384.516

The computed 12-month bankruptcy probability of PIRVAL BOUW is 2.0% (moderate). The 2025 annual accounts show equity of €121k and a net result of €13k. Equity is growing by ~23.5% per year across the filed fiscal years. Its solvency ranks better than 77% of 820 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

64 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability77▲+2

Solvency86▼-14

Growth49=

Track record100

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity ample (current ratio 2.84 against 7.95 in 2024; short-term debt: 32.4% and cash: 4.2% of total assets), and 38.8% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Filed after the deadline

The financial year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 25-09-2025, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 5 filings

Deviation from the deadline

2026

not confirmed

2025

25 d late

2024

37 d late

2023

39 d late

2022

48 d late

2021

90 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, full schema

Turnover

€857k▲ 2.6%

2021 · €835k

2021: €835k

2021 → 2022

EBIT margin

4.1%▼ 1.2pp

2021 · 5.3%

2021: 5.3%

2021 → 2022

Net result

€13k▼ 28.9%

2024 · €18k

2021: €36k 2022: €27k 2023: €24k 2024: €18k

2021 → 2025

Working capital

€118k▲ 9.4%

2024 · €108k

2021: €36k 2022: €64k 2023: €89k 2024: €108k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€835k-€857k▲ 2.6%

Equity€38k-€65k▲ 71.7%€89k▲ 37.2%€108k▲ 20.5%€121k▲ 12.1%

Operating result€44k-€35k▼ 21.2%€31k▼ 10.2%€25k▼ 21.2%€19k▼ 22.5%

Net result€36k-€27k▼ 24.3%€24k▼ 10.9%€18k▼ 24.4%€13k▼ 28.9%

Result per fiscal year

Operating resultNet result

The operating result has fallen four years in a row; 2025 is 22% below 2024 and is the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €197k

92.2%

Fixed assets €15k

Current assets €182k

Equity and liabilities €197k

61.2%

38.8%

Equity €121k▲ 12.1%

Debt €76k▲ 393%

The debt ratio rises from 12.6% to 38.8%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€22k

Cash flow

€16k

Solvency

61.2%▼

2024 · 87.4%

Current ratio

2.84▼

2024 · 7.95

Quick ratio

2.84▼

2024 · 7.95

Debt / equity

0.63▲

2024 · 0.14

ROE

10.8%▼

2024 · 17.0%

ROA

6.6%▼

2024 · 14.9%

Interest coverage

11.19

Debt

€76k▲

2024 · €15k

Debt ≤ 1 year

€64k▲

2024 · €15k

Debt > 1 year

€13k

Income taxes

€4k▼

2024 · €5k

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€123k€197k▲

Fixed assets21/28-€15k

Tangible fixed assets22/27-€15k

Furniture and vehicles24-€15k

Current assets29/58€123k€182k▲

Amounts receivable within one year40/41€117k€173k▲

Trade receivables40€53k€111k▲

Other amounts receivable41€64k€62k▼

Cash at bank and in hand54/58€7k€8k▲

Equity and liabilities

Total equity and liabilities10/49€123k€197k▲

Equity10/15€108k€121k▲

Contributions10/11€2k€2k=

Profit (loss) carried forward14€106k€119k▲

Amounts payable17/49€15k€76k▲

Amounts payable after more than one year17-€13k

Financial debts170/4-€13k

Amounts payable within one year42/48€15k€64k▲

Current portion of amounts payable after more than one year42-€4k

Trade debts44€5k€55k▲

Suppliers440/4€2k€6k▲

Bills of exchange payable441€3k€49k▲

Taxes, remuneration and social security45€11k€5k▼

Taxes450/3€10k€5k▼

Remuneration and social security454/9€650-

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€2k

Other operating charges640/8€1k€6k▲

Gross operating margin9900€26k€27k▲

Operating profit (loss)9901€25k€19k▼

Financial charges65/66B€817€2k▲

Recurring financial charges65€817€2k▲

Profit (loss) for the period before taxes9903€24k€17k▼

Income taxes67/77€5k€4k▼

Profit (loss) for the period9904€18k€13k▼

Profit (loss) for the period to be appropriated9905€18k€13k▼

Appropriation of the result

Profit (loss) to be appropriated9906€106k€119k▲

Profit (loss) brought forward from the previous period14P€87k€106k▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

2025

25-09

NBB filing Annual accounts filed

fiscal year 2025 · full schema · 25 days late

31-01

Financial Weakest financial yearnet €13k ▼28.9%

Net result drops to €13k, the lowest in the series.

2024

07-10

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 37 days late

31-01

Financial Equity above €100kEq €108k ▲20.5%

4 profitable years in a row build equity to €108k.

2023

09-10

NBB filing Annual accounts filed

fiscal year 2023 · full schema · 39 days late

2022

18-10

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 48 days late

2021

29-11

NBB filing Annual accounts filed

fiscal year 2021 · full schema · 90 days late

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, Gent · 1 establishment unit since 2019

establishment The establishment unit on the map

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.

Zwijnaardsesteenweg 449000 Gent

Ground area

460 m²

Building footprint

388 m²

Volume, LiDAR

3,702 m³

2 parcels, Brussels, Flanders · tallest building 14.0 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

PIRVAL BOUW

Korenbeekstraat 248, 1080 Sint-Jans-MolenbeekRepair, maintenance and installation of machinery and equipment

since 20192.294.213.019

2 parcels

Flanders 1 (50%) Brussels 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21524C0189/00L004	Brussels	246 m²	1 · 185 m²	14.0 m · 4 fl.
44808H0052/00R006	Flanders	214 m²	1 · 202 m²	11.8 m · 3 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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

XP2

BE 0439.488.291

Sint-Martens-Latem · Eq €121k

Bouwbedrijf Cuipers Jochen

BE 0563.483.886

Bilzen-Hoeselt · Eq €121k

Grimbergen · Eq €121k

BEN KAISER

BE 0830.709.186

Eupen · Eq €121k

Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 12,946 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded29-09-2019

Fiscal year end31-01

Activities, NACEBEL

41001General construction of residential buildings

41002Construction of residential and non-residential buildings

41003General construction of other non-residential buildings

81210General cleaning of buildings

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

E-mail:valentinpirvu55@gmail.com

Enterprise

Phone:0467/847313

Enterprise