PREVIB
ActiveSummary
PREVIB has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5,884 and a net result of €46. Its solvency ranks better than 22% of 39,218 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
- Equity
- €5,884
- Profit
- €46
- BUSSCHAERT Michelle Alida HarryDirector
- WITTOCK Maxime Eddy IngridDirector
Why 84raises riskFounded in 2024lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Size: total assets €32,807Figures for financial year 2025 (filed 28-07-2026)Show the evidence
Checked score
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 70, micro): better than 22% on solvency, 5% on liquidity, 17% on profitability and 43% on growth.
The bankruptcy probability was computed on 30-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 2 accounts on average 24 days before the deadline; the sector median (NACE 70) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- IncorporationAppointments: WITTOCK Maxime Eddy Ingrid…
Financials · financial year 2025, micro format
2024 to 2025, 2 financial years
The operating result falls in 2025; 2025 is 16% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 70, Activities of head offices; management consultancy activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 2,542 companies that looked in July 2024 the way this one looks now, 3.5% went bankrupt within 24 months and 94.9% are still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,542 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €65 | - |
| Other operating charges640/8 | €304 | €800 | ▲ 163% |
| Gross operating margin9900 | €12,021 | €10,746 | ▼ 10.6% |
| Operating profit (loss)9901 | €11,717 | €9,881 | ▼ 15.7% |
| Financial income75/76B | - | €78 | - |
| Recurring financial income75 | - | €78 | - |
| Financial charges65/66B | €1,542 | €5,347 | ▲ 247% |
| Recurring financial charges65 | €1,542 | €5,347 | ▲ 247% |
| Profit (loss) for the period before taxes9903 | €10,175 | €4,612 | ▼ 54.7% |
| Income taxes67/77 | €2,771 | €4,566 | ▲ 64.8% |
| Profit (loss) for the period9904 | €7,404 | €46 | ▼ 99.4% |
| Profit (loss) for the period to be appropriated9905 | €7,404 | €46 | ▼ 99.4% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €24,117 | €32,807 | ▲ 36.0% |
| Fixed assets21/28 | - | €1,678 | - |
| Tangible fixed assets22/27 | - | €678 | - |
| Furniture and vehicles24 | - | €678 | - |
| Financial fixed assets28 | - | €1,000 | - |
| Current assets29/58 | €24,117 | €31,129 | ▲ 29.1% |
| Amounts receivable within one year40/41 | €18,892 | €27,237 | ▲ 44.2% |
| Trade receivables40 | €18,892 | €26,757 | ▲ 41.6% |
| Other amounts receivable41 | - | €479 | - |
| Cash at bank and in hand54/58 | €987 | €1,627 | ▲ 64.9% |
| Deferred charges and accrued income490/1 | €4,238 | €2,265 | ▼ 46.5% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €24,117 | €32,807 | ▲ 36.0% |
| Equity10/15 | €5,838 | €5,884 | ▲ 0.8% |
| Contributions10/11 | €100 | €100 | = |
| Reserves13 | €5,738 | €5,784 | ▲ 0.8% |
| Distributable reserves133 | €5,738 | €5,784 | ▲ 0.8% |
| Profit (loss) carried forward14 | €0 | €0 | - |
| Amounts payable17/49 | €18,279 | €26,924 | ▲ 47.3% |
| Amounts payable within one year42/48 | €18,279 | €26,924 | ▲ 47.3% |
| Financial debts43 | €7,606 | €8,788 | ▲ 15.5% |
| Credit institutions430/8 | €7,606 | €8,788 | ▲ 15.5% |
| Trade debts44 | €861 | €2,756 | ▲ 220% |
| Suppliers440/4 | €861 | €2,756 | ▲ 220% |
| Taxes, remuneration and social security45 | €6,955 | €15,380 | ▲ 121% |
| Taxes450/3 | €6,955 | €15,380 | ▲ 121% |
| Other amounts payable47/48 | €2,858 | €0 | ▼ 100% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €7,404 | €46 | ▼ 99.4% |
| + Depreciation and write-downs630 | - | €65 | - |
| Operating cash flow (approximation) | €7,404 | €111 | ▼ 98.5% |
| Change in cash | - | €640 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (2)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 28-07-2026 | 2026-00340877 |
| 31-12-2024 | micro format | 17-06-2025 | 2025-00144707 |
Similar companies · same sector, comparable size
Subsidies and aid
Flemish government
2024 to 2025 · 2 entries · €343 awarded · €344 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €0 | €186 |
| 2024 | 1 | €343 | €158 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| BUSSCHAERT Michelle Alida Harry |
|
| WITTOCK Maxime Eddy Ingrid |
|
Owners and capital
Capital and shareholders
- WITTOCK Maxime Eddy Ingrid 50 shares (50%) · €50
- BUSSCHAERT Michelle Alida Harry 50 shares (50%) · €50
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 16-08-2024 Incorporation · €100 · 100 shares
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
16-08
Gazette deed
IncorporationAppointments: WITTOCK Maxime Eddy Ingrid (director) and BUSSCHAERT Michelle Alida Harry (director) · Founder · Founding capital10 facts ▸
- Incorporation, “PREVIB” (deed in Dutch)
- Founder, WITTOCK Maxime Eddy Ingrid
- Founder, BUSSCHAERT Michelle Alida Harry
- Founding capital, €100
- Capital
- Registered office clause, “9100 Sint-Niklaas,Nieuwkerkenstraat 275” (deed in Dutch)
- Board rule, 2
- Director appointment, WITTOCK Maxime Eddy Ingrid (director)
- Director appointment, BUSSCHAERT Michelle Alida Harry (director)
- Pre-incorporation commitments, “takeover, alle verbintenissen en verplichtingen en alle activiteiten” (deed in Dutch)
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 46017B0233/00B004 | Flanders | 552 m² | 1 · 163 m² | 3.0 m |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Het verstrekken van advies en dienstverlening op het gebied van welzijn op het werk,veiligheid,gezondheid en milieu. Dit omvat onder…” (deed in Dutch)
20 activities (deed in Dutch)
- Het verstrekken van advies en dienstverlening op het gebied van welzijn op het werk,veiligheid,gezondheid en milieu. Dit omvat onder meer,maar is niet beperkt tot,het ontwikkelen en implementeren van preventiemaatregelen,het uitvoeren van risicoanalyses,het geven van opleidingen en trainingen,en het ondersteunen van bedrijven bij het naleven van wet- en regelgeving op het gebied van arbeidsveiligheid en -gezondheid
- Optreden als veiligheidscoördinator,alsook als onafhankelijk expert plaatsbeschrijving voor,tijdens en na de bouwwerken
- Algemene coördinatiewerkzaamheden bouwwerf
- Het voeren van interim-management bij bedrijven
- Het begeleiden van Algemene Directies in het dagelijks bestuur,de operationele leiding en het doorvoeren van reorganisaties van bedrijven
- Het geven van opleiding,sessies en consultancy in bedrijven en managementscholen
- Het uitvoeren,begeleiden en realiseren van beheersdaden,bestuursmandaten en overige managementtaken ten behoeve van derden in de meest ruime zin
- Nationale en internationale consultancy,projectsturing en alle mogelijke diensten aan ondernemingen,voornamelijk of het vlak van verkoop marketing,trading en negociatie
- Audits van bedrijven
- Het optreden als studie-,organisatie- en raadgevend bureau,alsook het geven van opleidingen
- Het leveren van diensten en materialen in het kader van verkoop,marketing,trading en negociatie
- Alle aan- en verkoop,huur en verhuring,alle beheer van onroerende goederen en van roerende goederen,evenals het verkavelen van alle bebouwde en onbebouwde onroerende goederen
- Het verwerven en huren met het oog op het verhuren en onderverhuren van onroerende goederen en roerende installaties
- De vennootschap mag alle zakelijke rechten op onroerende goederen,onder meer deze van erfpacht,opstal en vruchtgebruik verwerven,bezitten of toestaan,afstaan,verkopen
- De vennootschap mag onroerende goederen aan- en/of verkopen zowel in volle eigendom,naakte eigendom,als in vruchtgebruik
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een onroerend vermogen
- Een patrimonium bestaande uit roerende en onroerende goederen te verwerven,te behouden,in de meest ruime zin van het woord te beheren en oordeelkundig uit te breiden
- Alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten zoals de huurfinanciering van onroerende goederen aan derden,het aankopen,verkopen,ruilen,bouwen,verbouwen,herstellen,beheren,onderhouden,verhuren,huren,verkavelen,prospecteren en uitbaten van onroerende goederen
- Verkoop van veiligheidsmateriaal en werkkledij
- (Online) verkoop van allerlei zaken (weet nog niet wat maar kan altijd op termijn)
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- PREVIB
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaamse Gewest, bestuursorgaan kan bij enkel besluit administratieve…” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Natuurlijke personen of rechtspersonen,al dan niet aandeelhouder, 1” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- First Monday of June at 16:00
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor