PLUVIA
ActiveSummary
The computed 12-month bankruptcy probability of PLUVIA is 3.8% (moderate). The annual accounts of PLUVIA for fiscal year 2025 show a net loss of 90% of the equity at the start of that year. The 2025 annual accounts show equity of €3k and a net result of €-25k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 13417 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability33▼-39
Solvency25▼-13
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.27 against 0.67 in 2024; short-term debt: 30.4% and cash: 3.5% of total assets), and 99.6% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
0.4%
Return on assets
-3.4%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
on the day
2024
31 d early
2023
23 d early
2022
on the day
2021
31 d late
2020
9 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 89.8%
2024 · €28k
Total assets
€726k▲ 250%
2024 · €207k
Net result
€-25k
2024 · €6k
Working capital
€-160k▼ 567%
2024 · €-24k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€8k€13k▲ 75.8%€21k▲ 53.2%€13k▼ 35.3%€-13k
Net result€783€4k▲ 464%€13k▲ 202%€6k▼ 56.1%€-25k
Equity€4k▲ 23.1%€9k▲ 106%€22k▲ 155%€28k▲ 26.7%€3k▼ 89.8%
Total assets€264k▼ 10.0%€229k▼ 13.4%€220k▼ 3.8%€207k▼ 5.8%€726k▲ 250%
Debt€260k▼ 10.4%€220k▼ 15.3%€198k▼ 10.0%€179k▼ 9.4%€723k▲ 303%
Working capital€-29k▲ 1.6%€-25k▲ 15.1%€-20k▲ 19.1%€-24k▼ 20.7%€-160k▼ 567%
Staff (FTE)8.8▲ 7.3%13.7▲ 55.7%13.6▼ 0.7%
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 €13k after €13k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €726k
Fixed assets
€666k ▲ 320%
Current assets
€60k ▲ 23.8%
Equity and liabilities €726k
Equity
€3k ▼ 89.8%
Debt
€723k ▲ 303%
Debt's share of the balance-sheet total rises from 86.6% to 99.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€25k▼
2024 · €67k
Cash flow
€14k▼
2024 · €60k
Current ratio
0.27▼
2024 · 0.67
Quick ratio
0.25▼
2024 · 0.58
ROE
-881.4%▼
2024 · 21.1%
ROA
-3.4%▼
2024 · 2.8%
Interest coverage
2.20▼
2024 · 9.14
Debt ≤ 1 year
€220k▲
2024 · €73k
Debt > 1 year
€503k▲
2024 · €107k
Income taxes
€209▲
2024 · €196
Staff costs
€3k▼
2024 · €7k
A ratio outside any meaningful range has been withheld (balance sheet total €726k, equity €3k).
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €70k | €104k | €99k | €7k | €3k | ▼ 58.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €40k | €41k | €48k | €54k | €39k | ▼ 28.2% |
| Other operating charges640/8 | €518 | €692 | €5k | €3k | €68k | ▲ 1,965% |
| Gross operating margin9900 | €118k | €159k | €172k | €77k | €96k | ▲ 24.6% |
| Operating profit (loss)9901 | €8k | €13k | €21k | €13k | €-13k | ▼ 199% |
| Financial income75/76B | - | €96 | €0 | €55 | €46 | ▼ 16.6% |
| Recurring financial income75 | - | €96 | €0 | €55 | €46 | ▼ 16.6% |
| Financial charges65/66B | €7k | €9k | €7k | €7k | €12k | ▲ 56.7% |
| Recurring financial charges65 | €7k | €9k | €7k | €7k | €12k | ▲ 56.7% |
| Profit (loss) for the period before taxes9903 | €783 | €4k | €13k | €6k | €-25k | ▼ 509% |
| Income taxes67/77 | - | - | €80 | €196 | €209 | ▲ 6.9% |
| Profit (loss) for the period9904 | €783 | €4k | €13k | €6k | €-25k | ▼ 526% |
| Profit (loss) for the period to be appropriated9905 | €783 | €4k | €13k | €6k | €-25k | ▼ 526% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €264k | €229k | €220k | €207k | €726k | ▲ 250% |
| Fixed assets21/28 | €203k | €170k | €180k | €159k | €666k | ▲ 320% |
| Intangible fixed assets21 | €39k | €26k | €13k | €0 | - | - |
| Tangible fixed assets22/27 | €164k | €144k | €167k | €159k | €666k | ▲ 320% |
| Land and buildings22 | - | - | - | - | €536k | - |
| Plant, machinery and equipment23 | €154k | €132k | €108k | €90k | €79k | ▼ 12.5% |
| Furniture and vehicles24 | €5k | €4k | €2k | €23k | €23k | ▼ 1.4% |
| Leasing and similar rights25 | - | - | €51k | €40k | €28k | ▼ 28.7% |
| Other tangible fixed assets26 | €5k | €8k | €5k | €6k | €0 | ▼ 100% |
| Current assets29/58 | €61k | €59k | €40k | €49k | €60k | ▲ 23.8% |
| Stocks and contracts in progress3 | €9k | €4k | €5k | €6k | €6k | ▼ 10.9% |
| Stocks30/36 | €9k | €4k | €5k | €6k | €6k | ▼ 10.9% |
| Amounts receivable within one year40/41 | €14k | €11k | €8k | €2k | €1k | ▼ 35.5% |
| Trade receivables40 | €14k | €10k | €7k | €685 | €1k | ▲ 59.0% |
| Other amounts receivable41 | €98 | €706 | €899 | €1k | €0 | ▼ 100% |
| Current investments50/53 | - | - | - | - | €25k | - |
| Cash at bank and in hand54/58 | €35k | €39k | €21k | €31k | €25k | ▼ 18.5% |
| Deferred charges and accrued income490/1 | €3k | €5k | €7k | €10k | €3k | ▼ 66.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €264k | €229k | €220k | €207k | €726k | ▲ 250% |
| Equity10/15 | €4k | €9k | €22k | €28k | €3k | ▼ 89.8% |
| Contributions10/11 | €25k | €25k | €25k | €25k | €25k | = |
| Profit (loss) carried forward14 | €-21k | €-16k | €-3k | €3k | €-22k | ▼ 901% |
| Amounts payable17/49 | €260k | €220k | €198k | €179k | €723k | ▲ 303% |
| Amounts payable after more than one year17 | €170k | €136k | €138k | €107k | €503k | ▲ 371% |
| Financial debts170/4 | €170k | €136k | €138k | €107k | €503k | ▲ 371% |
| Amounts payable within one year42/48 | €90k | €84k | €60k | €73k | €220k | ▲ 203% |
| Current portion of amounts payable after more than one year42 | €33k | €34k | €43k | €52k | €54k | ▲ 3.0% |
| Trade debts44 | €5k | €24k | €11k | €13k | €4k | ▼ 72.9% |
| Suppliers440/4 | €5k | €24k | €11k | €13k | €4k | ▼ 72.9% |
| Advances received on contracts in progress46 | - | - | - | €25 | €225 | ▲ 800% |
| Taxes, remuneration and social security45 | €12k | €15k | €4k | €817 | €2k | ▲ 163% |
| Taxes450/3 | €8k | €5k | €546 | €817 | €2k | ▲ 163% |
| Remuneration and social security454/9 | €4k | €10k | €3k | €0 | - | - |
| Other amounts payable47/48 | €40k | €11k | €3k | €6k | €160k | ▲ 2,472% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €783 | €4k | €13k | €6k | €-25k | ▼ 526% |
| + Depreciation and write-downs630 | €40k | €41k | €48k | €54k | €39k | ▼ 28.2% |
| Operating cash flow (approximation) | €40k | €46k | €61k | €60k | €14k | ▼ 77.1% |
| Investment in fixed assets (approximation) | - | €-8k | €-58k | €-33k | €-546k | ▼ 1,565% |
| Change in cash | - | €4k | €-18k | €10k | €-6k | ▼ 156% |
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-25k
Net result drops to €-25k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €13k ▲202%
Operating result €21k, net result €13k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €783
Net result €783 after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Ninove · 1 establishment unit since 2019
Ground area
224 m²
Building footprint
329 m²
Volume, LiDAR
1,873 m³
Parcel 41048A0318/00G000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Taverne Idefix
since 20192.296.470.545
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41048A0318/00G000 | Flanders | 224 m² | 1 · 329 m² | 9.2 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNinove2.296.470.545
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Of 20,501 companies in sector 56111 we hold annual accounts for 11,452. 3,542 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-11-2019
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
47210Retail sale of fruit and vegetables
56210Event catering
Scores and ratios are computed by Checked and are not a credit decision.