PIVERT CONSULT
ActivePIVERT CONSULT has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €138k and a net result of €32k. Equity is growing by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 40% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency83▼-17
Growth52=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.73 against 4.98 in 2024), but 56% 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
44%
Return on assets
10.3%
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 17-07-2026, 14 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
14 d early
2024
20 d early
2023
20 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€138k▼ 29.4%
2024 · €196k
2023: €111k
2024: €196k
2023 → 2025
Total assets
€314k▲ 15.1%
2024 · €273k
2023: €150k
2024: €273k
2023 → 2025
Net result
€32k▼ 61.8%
2024 · €85k
2023: €106k
2024: €85k
2023 → 2025
Working capital
€111k▼ 36.8%
2024 · €175k
2023: €112k
2024: €175k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€111k-€196k▲ 76.7%€138k▼ 29.4%
Operating result€136k-€111k▼ 18.9%€47k▼ 57.7%
Net result€106k-€85k▼ 19.6%€32k▼ 61.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 58% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €314k
Fixed assets
€52k▼ 3.1%
Current assets
€262k▲ 19.5%
Equity and liabilities €314k
Equity
€138k▼ 29.4%
Debt
€176k▲ 128%
The debt ratio rises from 28.3% to 56.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€59k▼
2024 · €116k
Cash flow
€44k▼
2024 · €90k
Solvency
44.0%▼
2024 · 71.7%
Current ratio
1.73▼
2024 · 4.98
Quick ratio
1.38▼
2024 · 4.04
Debt / equity
1.27▲
2024 · 0.39
ROE
23.5%▼
2024 · 43.4%
ROA
10.3%▼
2024 · 31.1%
Interest coverage
32.51▼
2024 · 112.30
Debt
€176k▲
2024 · €77k
Debt ≤ 1 year
€151k▲
2024 · €44k
Debt > 1 year
€25k▼
2024 · €33k
Income taxes
€14k▼
2024 · €25k
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€273k€314k▲
Fixed assets21/28€54k€52k▼
Tangible fixed assets22/27€54k€52k▼
Furniture and vehicles24€51k€43k▼
Other tangible fixed assets26€2k€10k▲
Current assets29/58€219k€262k▲
Amounts receivable after more than one year29€21k-
Other amounts receivable291€21k-
Stocks and contracts in progress3€41k€53k▲
Stocks30/36€41k€53k▲
Amounts receivable within one year40/41€67k€41k▼
Trade receivables40€67k€19k▼
Other amounts receivable41-€22k
Cash at bank and in hand54/58€89k€166k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€273k€314k▲
Equity10/15€196k€138k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€191k€133k▼
Amounts payable17/49€77k€176k▲
Amounts payable after more than one year17€33k€25k▼
Financial debts170/4€33k€25k▼
Amounts payable within one year42/48€44k€151k▲
Current portion of amounts payable after more than one year42€8k€9k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€32k€48k▲
Taxes450/3€32k€48k▲
Other amounts payable47/48€1k€93k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€12k▲
Other operating charges640/8€127€2k▲
Gross operating margin9900€116k€61k▼
Operating profit (loss)9901€111k€47k▼
Financial income75/76B€643€1k▲
Recurring financial income75€643€1k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€110k€46k▼
Income taxes67/77€25k€14k▼
Profit (loss) for the period9904€85k€32k▼
Profit (loss) for the period to be appropriated9905€85k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€191k€223k▲
Profit (loss) brought forward from the previous period14P€106k€191k▲
Profit to be distributed694/7-€90k
Return on contributions (dividend)694-€90k
The notes to these accounts (8 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €32k ▼61.8%
Net result drops to €32k, the lowest in the series.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €196k ▲76.7%
2 profitable years in a row build equity to €196k.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-01
State Gazette act
IncorporationIncorporation · Founding capital · Bank account9 facts ▸
State Gazette act
Incorporation
Incorporation · Founding capital · Bank account9 facts ▸
- Incorporation, 2023-01-13
- Founding capital, €5.000
- Bank account, BE73 7320 6775 5460
- Corporate purpose, Het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerend vermogen; ... Het aanleggen, het oordeelkundig uitbouwen en beheren van een roerend verm…
- First fiscal year, 2023-12-31, 2023-01-14
- Director appointment, JASPERS Xavier Maxime Edmond (niet-statutair bestuurder)
- Mandate compensation, JASPERS Xavier Maxime Edmond
- Power of attorney, Philip Mackenzie Hartog
- Founder, JASPERS Xavier Maxime Edmond
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
JASPERS Xavier Maxime Edmond
CurrentNon-statutory director · since 13-01-2023
13-01-2023
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Sint-Genesius-Rode · 1 establishment unit since 2023
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.
Groenspechtlaan 21640 Sint-Genesius-RodeGround area
1,616 m²
Building footprint
162 m²
Volume, LiDAR
1,127 m³
Parcel 22552F0001/00V013, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PIVERT CONSULT
since 20232.340.593.964
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22552F0001/00V013 | Flanders | 1,616 m² | 1 · 162 m² | 10.7 m · 2 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.
Structure & network
Ownership & control
1 partyPIVERT CONSULTBE 0797.177.276
controls
Where this company holds controlthis company sits on their board1
1 location
Capital and shareholders
Founding capital 5,000 EUR · 100 shares · 50 EUR per share
founder: JASPERS Xavier Maxime Edmond
Similar companies · same sector, comparable size
COMPANY FOR FINANCE AND BUSINESS
BE 0448.998.449
Leuven · Eq €138k
ZAFFERANA
BE 0719.879.362
Mechelen · Eq €138k
TARGETIVE.X
BE 1004.354.232
Antwerpen · Eq €138k
LADY PAULETTE
BE 0794.258.467
Kortrijk · Eq €138k
ECOHOUSE 4 YOU
BE 0826.512.353
Somme-Leuze · Eq €138k
Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 40,729 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
47251Retail sale of wines and spirits
77110Renting and leasing of cars and light motor vehicles
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.