Pronova
ActivePronova is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €371k and a net result of €71k. Equity is growing by ~38.3% per year across the filed fiscal years. Its solvency ranks better than 42% of 9863 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-06-2025, 41 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
37 d early
2022
35 d early
2021
45 d early
2020
39 d early
2019
36 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€371k▲ 23.8%
2023 · €300k
2019: €64k
2020: €128k
2021: €190k
2022: €120k
2023: €300k
2019 → 2024
Net result
€71k▼ 58.8%
2023 · €173k
2019: €52k
2020: €64k
2021: €62k
2022: €116k
2023: €173k
2019 → 2024
Total assets
€802k▲ 53.5%
2023 · €522k
2019: €89k
2020: €262k
2021: €276k
2022: €428k
2023: €522k
2019 → 2024
Solvency
46.3%▼ 11.1pp
2023 · 57.4%
2019: 72.4%
2020: 48.9%
2021: 68.7%
2022: 28.1%
2023: 57.4%
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€128k-€190k▲ 48.2%€120k▼ 36.5%€300k▲ 149%€371k▲ 23.8%
Operating result€87k-€85k▼ 2.9%€157k▲ 85.3%€164k▲ 4.1%€99k▼ 39.7%
Net result€64k-€62k▼ 3.1%€116k▲ 87.7%€173k▲ 49.6%€71k▼ 58.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 40% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €802k
Fixed assets
€658k▲ 132%
Current assets
€143k▼ 39.9%
Equity and liabilities €802k
Equity
€371k▲ 23.8%
Debt
€431k▲ 93.6%
The debt ratio rises from 42.6% to 53.7%: debt grows faster than equity.
Key figures and ratios
Solvency
46.3%▼
2023 · 57.4%
ROE
19.2%▼
2023 · 57.8%
ROA
8.9%▼
2023 · 33.2%
Debt
€431k▲
2023 · €222k
Debt ≤ 1 year
€43k▼
2023 · €78k
Debt > 1 year
€388k▲
2023 · €145k
Income taxes
€19k▼
2023 · €53k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€522k€802k▲
Fixed assets21/28€284k€658k▲
Tangible fixed assets22/27€284k€658k▲
Land and buildings22€120k€656k▲
Furniture and vehicles24€2k€2k▲
Assets under construction and advance payments27€163k€0▼
Financial fixed assets28€0-
Current assets29/58€238k€143k▼
Amounts receivable after more than one year29€86k€58k▼
Other amounts receivable291€86k€58k▼
Amounts receivable within one year40/41€29k€33k▲
Trade receivables40€0-
Other amounts receivable41€29k€33k▲
Cash at bank and in hand54/58€123k€51k▼
Deferred charges and accrued income490/1€463€1k▲
Equity and liabilities
Total equity and liabilities10/49€522k€802k▲
Equity10/15€300k€371k▲
Contributions10/11€19k€19k=
Reserves13€281k€352k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€281k€352k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€222k€431k▲
Amounts payable after more than one year17€145k€388k▲
Financial debts170/4€145k€388k▲
Amounts payable within one year42/48€78k€43k▼
Current portion of amounts payable after more than one year42€32k€34k▲
Trade debts44€979€601▼
Suppliers440/4€979€601▼
Taxes, remuneration and social security45€3k€8k▲
Taxes450/3€3k€8k▲
Other amounts payable47/48€41k€0▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€174k€109k▼
Operating profit (loss)9901€164k€99k▼
Financial income75/76B€68k€5k▼
Recurring financial income75€3k€5k▲
Non-recurring financial income76B€65k€0▼
Financial charges65/66B€6k€14k▲
Recurring financial charges65€6k€14k▲
Profit (loss) for the period before taxes9903€226k€90k▼
Income taxes67/77€53k€19k▼
Profit (loss) for the period9904€173k€71k▼
Profit (loss) for the period to be appropriated9905€173k€71k▼
Appropriation of the result
Profit (loss) to be appropriated9906€173k€71k▼
Transfer from equity791/2€0-
Transfer to equity691/2€173k€71k▼
To other reserves6921€173k€71k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €173k ▲49.6%
Operating result €164k, net result €173k, both a record.
31-12
Financial
Liquidity times 6current ratio 3.07
Current ratio from 0.55 to 3.07; short-term debt falls from €241k to €78k.
31-12
Financial
Equity above €200kEq €300k ▲149%
5 profitable years in a row build equity to €300k.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €190k ▲48.2%
3 profitable years in a row build equity to €190k.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €128k ▲99.2%
2 profitable years in a row build equity to €128k.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Nieuwerkerken (Limb.) · 1 establishment unit since 2018
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Kerkstraat 343850 Nieuwerkerken (Limb.)Ground area
1,019 m²
Building footprint
274 m²
Parcel 71045C0254/00G002, Flanders. Linked by address, not a title deed.
1 establishment unit
Pronova
since 20182.282.292.412
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71045C0254/00G002indicative | Flanders | 1,019 m² | 1 · 274 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,636 companies in sector 64210 we hold annual accounts for 19,688. 13,718 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.