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POURVEUR

Active
Public limited companyfounded 199728 yrs activeAvenue Wilson 510, 7012 Mons, BelgiumKBO/BCE: BE 0461.823.136
Summary

The computed 12-month bankruptcy probability of POURVEUR is 2.6% (moderate). The annual accounts of POURVEUR for fiscal year 2025 show a net loss of 72% of the equity at the start of that year. The 2025 annual accounts show equity of €142,627 and a net result of -€372,486. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 5730 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
POURVEURActiveChecked score 49/100
Risk analysis ReportCompare

Overview

Activity
Wholesale of construction materials, general range
NACE 46831NACE 46731Retail sale of hardware, building materials, paint and glass (general range) NACE 47521
2 sites
Size
€2.3mtotal assets 2025
Staff
14.4 FTE
Equity
€142,627
Loss
-€372,486
Financial health
49 Fair Checked score 2025
Bankruptcy chance 12 m
2.6%
Structure
Parent
Hubo België · 100%
Accounts 14 d early0 of 11 deeds read
Why 49- Loss of €372,486, the second in a row (FY 2025)- Equity €142,627 (6.1% of total assets)- Liquidity: current ratio 0.96, cash €80,366- Size: 14.4 FTE, total assets €2.3mShow the evidence

Checked score

Score 2025
49 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 4% of its sector peers (NACE 46, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 31-16
equity 6.1% of total assets
Liquidity 4-9
short-term debt 93.2% · cash 3.4%
Profitability 0-5
return on assets -15.9%
Bankruptcy probability, 12 months
2.6% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (4,366 companies)
Last 24 months 11-2024: 1.3% 12-2024: 1.3%● 0.0% vs 11-2024 01-2025: 1.3%● 0.0% vs 12-2024 02-2025: 1.3%● 0.0% vs 01-2025 03-2025: 1.5%▲ +15.5% vs 02-2025 04-2025: 1.6%▲ +6.7% vs 03-2025 05-2025: 1.7%▲ +4.1% vs 04-2025 06-2025: 1.6%▼ -2.2% vs 05-2025 07-2025: 1.9%▲ +15.9% vs 06-2025 08-2025: 1.2%▼ -38.4% vs 07-2025lowest value 09-2025: 1.2%● 0.0% vs 08-2025lowest value 10-2025: 1.2%● 0.0% vs 09-2025lowest value 11-2025: 1.2%● 0.0% vs 10-2025lowest value 12-2025: 1.2%▲ +1.1% vs 11-2025 01-2026: 1.2%● 0.0% vs 12-2025 02-2026: 1.2%● 0.0% vs 01-2026 03-2026: 1.2%● 0.0% vs 02-2026 04-2026: 1.5%▲ +23.8% vs 03-2026 05-2026: 1.5%▲ +1.8% vs 04-2026 06-2026: 1.5%▲ +1.3% vs 05-2026 07-2026: 1.5%▼ -1.6% vs 06-2026 08-2026: 2.6%▲ +72.4% vs 07-2026highest value 09-2026: 2.6%● 0.0% vs 08-2026highest value 10-2026: 2.6%● 0.0% vs 09-2026highest value
  • Loss of €372,486, the second in a row (FY 2025) raises the probability
  • Equity €142,627 (6.1% of total assets) raises the probability
  • Liquidity: current ratio 0.96, cash €80,366 raises the probability
  • Size: 14.4 FTE, total assets €2.3m raises the probability for this profile
Credit up to €6,000 at 30 days 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 0.96 against 1.07 in 2024; short-term debt: 93.2% and cash: 3.4% of total assets), and 93.9% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, small). Better than this share of them on solvency 9%, liquidity 4%, profitability 1%, growth against the median 3%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Loss of €372,486, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Equity €142,627 (6.1% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.96, cash €80,366
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Size: 14.4 FTE, total assets €2.3m
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€372,486
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 5730 sector peers (2025).
NBB · sector comparison
Position among 5730 sector peers
Solvency
better than 10%
← weakest strongest →
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 · 10 filings
Deviation from the deadline
2025
14 d early
2024
14 d early
2023
30 d early
2022
28 d early
2021
12 d late
2020
2 d early
2019
4 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 11 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

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. Usually files around 17 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · full…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Annual accounts filedfiscal year 2023 · full…

Key points

  • Risk: 5 loss-making years in a rowloss fiscal year 2025 -€372,486 View
  • Caution: Equity fell in 2025from €515,113 to €142,627 ▼ 72.3% View
  • Caution: Among the weakest 8% on net resultsector median €116,013 · 5,674 companies -€372,486 View
  • Controlled by Hubo Belgiëknown shareholders 100% 100% View
  • Positive: Always filed on timeaccounts within the deadline every year 4 years View

By topic

Financials

Fiscal year
2025
Total assets
€2.3m
Loss
-€372,486
Solvency
6.1%
Turnover▼ 12.5%
Net result
20182022
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 17-07-2026Annual accounts filed
  2. 17-07-2025Annual accounts filed
  3. 01-07-2024Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Public limited company
Activity
Wholesale of construction materials, general rangeNACE 46831
Founded
03-11-1997
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

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