PRO-ACTIVE
ActiveSummary
PRO-ACTIVE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31,730 and a net result of €1,532. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 19% of 8737 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70▲+2
Solvency40▲+1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 33.4 against 40.32 in 2024; short-term debt: 2.5% and cash: 64.4% of total assets), but 85% of the assets are financed with debt.
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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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
15%
Return on assets
0.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 8737 sector peers (2025).
NBB · sector comparisonPosition among 8737 sector peers
Solvency
better than 19%
← 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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
31 d early
2023
14 d late
2022
241 d late
2021
31 d late
2020
29 d late
2019
122 d late
← 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 58 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€31,730▲ 5.1%
2024 · €30,197
Total assets
€210,963▼ 5.3%
2024 · €222,735
Net result
€1,532
2024 · -€950
Working capital
€172,291▼ 3.7%
2024 · €178,927
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€2,117▲ 1,328%-€314-€859▼ 174%€616€959▲ 55.8%
Net result€2,870within the sector's middle half▼ 15.9%€1,039below the sector's middle half▼ 63.8%€388below the sector's middle half▼ 62.6%-€950below the sector's middle half€1,532within the sector's middle half
Equity€29,720within the sector's middle half▲ 10.7%€30,759within the sector's middle half▲ 3.5%€31,147within the sector's middle half▲ 1.3%€30,197within the sector's middle half▼ 3.0%€31,730below the sector's middle half▲ 5.1%
Total assets€258,552within the sector's middle half▲ 75.9%€146,206within the sector's middle half▼ 43.5%€388,850within the sector's middle half▲ 166%€222,735within the sector's middle half▼ 42.7%€210,963below the sector's middle half▼ 5.3%
Debt€228,833▲ 90.5%€115,448▼ 49.5%€357,703▲ 210%€192,538▼ 46.2%€179,234▼ 6.9%
Working capital€223,148▲ 81.1%€119,946▼ 46.2%€369,227▲ 208%€178,927▼ 51.5%€172,291▼ 3.7%
Solvency11.5%below the sector's middle half▼ 6.8pp21.0%below the sector's middle half▲ 9.5pp8.0%below the sector's middle half▼ 13.0pp13.6%below the sector's middle half▲ 5.5pp15.0%below the sector's middle half▲ 1.5pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 56% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €210,963
Fixed assets
€33,356 ▼ 15.0%
Current assets
€177,608 ▼ 3.2%
Equity and liabilities €210,963
Equity
€31,730 ▲ 5.1%
Debt
€179,234 ▼ 6.9%
Debt's share of the balance-sheet total falls from 86.4% to 85.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8,753▼
2024 · €11,981
Cash flow
€9,326▼
2024 · €10,415
Current ratio
33.40▼
2024 · 40.32
Debt to equity
5.65▼
2024 · 6.38
ROE
4.8%▲
2024 · -3.1%
ROA
0.7%▲
2024 · -0.4%
Interest coverage
100.95▼
2024 · 137.03
Debt ≤ 1 year
€5,317▲
2024 · €4,550
Income taxes
€1,526▲
2024 · €1,479
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,980 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 96% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.1%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 3,980 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €907 | €1,848 | €1,944 | €11,365 | €7,794 | ▼ 31.4% |
| Other operating charges640/8 | €348 | €1,348 | €584 | €85 | €184 | ▲ 117% |
| Gross operating margin9900 | €3,372 | €2,882 | €1,670 | €12,066 | €8,937 | ▼ 25.9% |
| Operating profit (loss)9901 | €2,117 | -€314 | -€859 | €616 | €959 | ▲ 55.8% |
| Financial income75/76B | €1,963 | €1,976 | €1,937 | €1 | €2,185 | ▲ 229,907% |
| Recurring financial income75 | €1,963 | €1,976 | €1,937 | €1 | €2,185 | ▲ 229,907% |
| Financial charges65/66B | €96 | €90 | €93 | €87 | €87 | ▼ 0.8% |
| Recurring financial charges65 | €96 | €90 | €93 | €87 | €87 | ▼ 0.8% |
| Profit (loss) for the period before taxes9903 | €3,984 | €1,572 | €985 | €529 | €3,058 | ▲ 478% |
| Income taxes67/77 | €1,114 | €533 | €596 | €1,479 | €1,526 | ▲ 3.1% |
| Profit (loss) for the period9904 | €2,870 | €1,039 | €388 | -€950 | €1,532 | ▲ 261% |
| Profit (loss) for the period to be appropriated9905 | €2,870 | €1,039 | €388 | -€950 | €1,532 | ▲ 261% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €258,552 | €146,206 | €388,850 | €222,735 | €210,963 | ▼ 5.3% |
| Fixed assets21/28 | €15,171 | €14,812 | €18,123 | €39,257 | €33,356 | ▼ 15.0% |
| Tangible fixed assets22/27 | €15,171 | €14,812 | €18,123 | €39,257 | €33,356 | ▼ 15.0% |
| Furniture and vehicles24 | €6,562 | €7,097 | €11,301 | €33,327 | €28,319 | ▼ 15.0% |
| Other tangible fixed assets26 | €8,609 | €7,716 | €6,823 | €5,930 | €5,037 | ▼ 15.1% |
| Current assets29/58 | €243,382 | €131,394 | €370,727 | €183,478 | €177,608 | ▼ 3.2% |
| Stocks and contracts in progress3 | €1,200 | €200 | - | - | - | - |
| Stocks30/36 | €1,200 | €200 | - | - | - | - |
| Amounts receivable within one year40/41 | €52,571 | €46,014 | €36,061 | €41,125 | €39,299 | ▼ 4.4% |
| Trade receivables40 | €20,813 | €16,427 | - | €1,900 | €2,703 | ▲ 42.3% |
| Other amounts receivable41 | €31,758 | €29,587 | €36,061 | €39,225 | €36,595 | ▼ 6.7% |
| Cash at bank and in hand54/58 | €177,341 | €78,902 | €332,506 | €140,193 | €135,789 | ▼ 3.1% |
| Deferred charges and accrued income490/1 | €12,270 | €6,278 | €2,160 | €2,160 | €2,520 | ▲ 16.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €258,552 | €146,206 | €388,850 | €222,735 | €210,963 | ▼ 5.3% |
| Equity10/15 | €29,720 | €30,759 | €31,147 | €30,197 | €31,730 | ▲ 5.1% |
| Contributions10/11 | €9,916 | €9,916 | €9,916 | €9,916 | €9,916 | = |
| Outside capital11 | - | - | - | €9,916 | €9,916 | = |
| Other1109/19 | - | - | - | €9,916 | €9,916 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Legal reserve130 | - | - | - | €1,859 | - | - |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | - | €1,859 | - |
| Profit (loss) carried forward14 | €17,945 | €18,984 | €19,372 | €18,422 | €19,955 | ▲ 8.3% |
| Amounts payable17/49 | €228,833 | €115,448 | €357,703 | €192,538 | €179,234 | ▼ 6.9% |
| Amounts payable within one year42/48 | €20,234 | €11,448 | €1,500 | €4,550 | €5,317 | ▲ 16.8% |
| Trade debts44 | €20,180 | €10,954 | €1,500 | €3,601 | €4,407 | ▲ 22.4% |
| Suppliers440/4 | €20,180 | €10,954 | €1,500 | €3,601 | €4,407 | ▲ 22.4% |
| Taxes, remuneration and social security45 | €54 | €494 | - | €950 | €910 | ▼ 4.2% |
| Taxes450/3 | €54 | €494 | - | €950 | €910 | ▼ 4.2% |
| Accrued charges and deferred income492/3 | €208,599 | €104,000 | €356,203 | €187,987 | €173,917 | ▼ 7.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,870 | €1,039 | €388 | -€950 | €1,532 | ▲ 261% |
| + Depreciation and write-downs630 | €907 | €1,848 | €1,944 | €11,365 | €7,794 | ▼ 31.4% |
| Operating cash flow (approximation) | €3,777 | €2,887 | €2,333 | €10,415 | €9,326 | ▼ 10.5% |
| Investment in fixed assets (approximation) | - | -€1,490 | -€5,255 | -€32,499 | -€1,892 | ▲ 94.2% |
| Change in cash | - | -€98,439 | €253,604 | -€192,314 | -€4,404 | ▲ 97.7% |
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €1,532
Net result €1,532 after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€950
Net result drops to -€950, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
28-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 241 days late
2023
31-12
Financial
Liquidity times 22current ratio 247.15
Current ratio from 11.48 to 247.15; short-term debt falls from €11,448 to €1,500.
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
31-12
Financial
Back to profitnet €3,414
Net result €3,414 after one loss-making year.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2018
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 60 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
2015
31-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Waterloo · 1 establishment unit since 1995
Ground area
988 m²
Building footprint
183 m²
Volume, LiDAR
1,082 m³
Parcel 25763K0450/00_000, Wallonia · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PRO-ACTIVE
since 19952.072.231.091
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25763K0450/00_000 | Wallonia | 988 m² | 1 · 183 m² | 9.6 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.
Public money · subsidies and aid
European Union, budget
2021 to 2023 · 4 entries · 853,451 EUR in total| Year | Entries | awarded |
|---|---|---|
| 2023 | 2 | 431,498 EUR |
| 2021 | 2 | 421,953 EUR |
Projects
MUNASET - MULTIPARAMETRIC NANOELECTRONIC BIOSENSORS FOR THERAPY RESPONSE TESTING
LIFESAVER - LIVING IMPACT ON FETAL EVOLUTION: SHELTER-ANALYZE-VALIDATE-EMPOWER REGULATIONS
PANBIORA - PERSONALIZED AND/OR GENERALIZED INTEGRATED BIOMATERIAL RISK ASSESSMENT
European research
7 projects · 1,769,463 EUR EU contributionProgrammes
Projects
Multiparametric nanoelectronic biosensors for therapy response testing
Living Impact on Fetal Evolution: Shelter-Analyze-Validate-Empower Regulations
Sustainable, Wireless, Autonomous Nanocellulose-based Quantitative DoA Biosensing Platform
SKin Healthcare by Innovative NanoCAPsuleS
Personalized And/Or Generalized Integrated Biomaterial Risk Assessment
Show 2 more projects
Pilot line for paper based electrochemical test strips dedicated to quantitative biosensing in liquids
Developing and Enabling Nanotechnology Awareness-Building through the Creation and Exchange of enhanced Communication and Visualisation Tools and Guidance for ‘Seeing at the Nanoscale’
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,626. 34,866 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
Founded22-06-1995
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
46180Agents specialised in the wholesale of other particular products
E-invoicing
Reachable via Peppol
Peppol ID
0208:0455422324
Registered
21-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.