Filings
5 annual accounts 2 late
The 2022 accounts came latest: 27 days after the end of the period.
PNV SOLUTION
Lifetime
5 annual accounts with figures on one time axispeak €10,845 (2024)
-€796▼ €7,164
lowest -€3,136 (2026)
-€3,136▼ €5,923
peak €11,379 (2025)
€8,216▼ 27.8%
€16▼ 99.1%
Board1 name since 2021
1 directorPAVALOI Nicolae
Documentsfilings and deeds
21-07-202641 days before the deadline
2026micro format
Gross margin from €6,368 to -€796Loss of €3,136Equity from €11,379 to €8,216Debts from €1,788 to €16Cash from €1,862 to €1,251
Key points
from the 2026 annual accountsStarting capital
€500 100 shares
Position in the sector
-€3,136
Lower net result than 88% of companies in construction of buildings. Sector median €13,148 · 351 companies.
Turnover not published (micro format)
Checked score
54
Fair
Financially stronger than 47% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.8% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025lowest value
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 1.1%▲ +0.7 percentage points vs 04-2025
06-2025: 1.5%▲ +0.4 percentage points vs 05-2025
07-2025: 1.6%▲ +0.1 percentage points vs 06-2025
08-2025: 1.7%▲ +0.1 percentage points vs 07-2025
09-2025: 1.7%● unchanged vs 08-2025
10-2025: 1.7%● unchanged vs 09-2025
11-2025: 1.7%● unchanged vs 10-2025
12-2025: 1.7%● unchanged vs 11-2025
01-2026: 1.7%● unchanged vs 12-2025
02-2026: 1.7%● unchanged vs 01-2026
03-2026: 1.7%● unchanged vs 02-2026
04-2026: 1.6%▼ -0.1 percentage points vs 03-2026
05-2026: 1.7%▲ +0.1 percentage points vs 04-2026
06-2026: 2.2%▲ +0.5 percentage points vs 05-2026
07-2026: 2.2%● unchanged vs 06-2026highest value
08-2026: 1.9%▼ -0.3 percentage points vs 07-2026
09-2026: 1.8%▼ -0.1 percentage points vs 08-2026
10-2026: 1.8%● unchanged vs 09-2026
11-2026: 1.8%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
1 change of registered office in 24 months
Founded in 2021
lowers risk
Liquidity: current ratio 514.50, cash €1,251
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 92% of them on solvency, 74% on liquidity, 5% on profitability and 16% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-01-2026.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,591 companies had the same profile as PNV SOLUTION has now. Each dot stands for 9 companies, two years later.
87.4%
were still trading
9.4%
stopped another way
3.0%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of PNV SOLUTION itself: 1.8% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,591 companies, not a prediction for PNV SOLUTION. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 21-07-2026, 41 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2026
41 days early
2025
41 days early
2024
50 days early
2023
4 days late
2022
27 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 20 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today. The company usually files around 21 July (4 of the last 5 accounts filed within 45 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-01-2027 year end31-08-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0761415752
Registered office moved from Aalst to Uccle
New registered office: Victor Gambierstraat 23, 1180 Ukkel, bus 1 · Previous registered office: Groenenbrielstraat 13, 9320 Aalst · Gazette deed
First establishment
Victor Gambierstraat 23, Uccle
Incorporation
Founding capital of €500, 100 shares · Founder: PAVALOI Nicolae (comparant) · Appointment: PAVALOI Nicolae (director) · published on 13-01-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PNV SOLUTION Uccle | €8,232 | -€796 | 99.8% | - |
| HAUPTMAN COMPANY Uccle | €9,047 | -€31,482 | -13.1% | - |
| TOUCO Ixelles | €10,108 | €258 | 67.7% | - |
| MM Partners Brussels | €9,810 | -€1,140 | -43.8% | - |
| ProRénov'Construction Quévy | €8,336 | -€16,086 | -346.9% | - |
| Iwens Aarschot | €8,011 | -€5,494 | -1176.3% | - |
| PRO-NET La Louvière | €8,329 | -€400 | -64.5% | - |
These companies have the same main activity as PNV SOLUTION: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €8,010 and €10,100, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 11-01-2021Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 3 others
- Establishment unit
- 2.314.007.6501180 Uccle, since 29-01-2021
- Financial year end
- 31 January
- Peppol
- Reachable since 10-01-2026
Annual accounts to 31-01-2026
- €8,232▼ 37.5%
- Filing
- Filed on 21-07-2026, 41 days before the end of the filing period
Insights on PNV SOLUTION
PNV SOLUTION files the micro format. That format states no turnover. The gross margin fell from €7,242 in 2022 to -€796 in 2026.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PNV SOLUTION
- What is the company number of PNV SOLUTION?
- The company number of PNV SOLUTION is 0761.415.752. The VAT number is the same number with BE in front: BE 0761.415.752.
- Where is PNV SOLUTION based?
- The registered office is at Victor Gambierstraat 23, 1180 Uccle.Company details
- What does PNV SOLUTION do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of PNV SOLUTION?
- PNV SOLUTION is a private limited company (BV).
- When was PNV SOLUTION founded?
- PNV SOLUTION was founded on 11-01-2021.
- Is PNV SOLUTION still active?
- Yes, PNV SOLUTION is an active enterprise in the KBO register.
- What is the turnover of PNV SOLUTION?
- The annual accounts for financial year 2026 state no turnover. The micro format does not require it.Financials
- Is PNV SOLUTION profitable?
- In financial year 2026, PNV SOLUTION made a loss of €3,136.
- Where can I find the annual accounts of PNV SOLUTION?
- PNV SOLUTION filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of PNV SOLUTION due?
- PNV SOLUTION must file the annual accounts for financial year 2027 by 31-08-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.