ProVal
ActiveThe annual accounts of ProVal for fiscal year 2025 show a net loss of 66% of total assets. The 2025 annual accounts show equity of €32k and a net result of €-30k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 66% of 9450 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency95▲+4
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k 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 ample (current ratio 4.33 against 4.24 in 2024; short-term debt: 22.8% and cash: 56.5% of total assets), and 30.1% of the assets are financed with debt.
Credit advice for your own amount and term
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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
69.9%
Return on assets
-65.5%
Age of the figures
15 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
22 d early
2023
22 d early
2022
6 d early
2021
3 d early
2020
4 d early
2019
6 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€32k▼ 48.4%
2024 · €62k
2019: €37k
2020: €41k
2021: €43k
2022: €34k
2023: €40k
2024: €62k
2019 → 2025
Total assets
€46k▼ 51.1%
2024 · €94k
2019: €45k
2020: €44k
2021: €49k
2022: €36k
2023: €71k
2024: €94k
2019 → 2025
Net result
€-30k
2024 · €44k
2019: €23k
2020: €4k
2021: €1k
2022: €-9k
2023: €7k
2024: €44k
2019 → 2025
Working capital
€35k▼ 50.8%
2024 · €71k
2019: €28k
2020: €33k
2021: €38k
2022: €32k
2023: €56k
2024: €71k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€34k▼ 21.2%€40k▲ 19.4%€62k▲ 54.9%€32k▼ 48.4%
Operating result€2k-€-9k€9k€57k▲ 523%€-29k
Net result€1k-€-9k€7k€44k▲ 566%€-30k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €29k after €57k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €46k
Fixed assets
€464▼ 50.0%
Current assets
€46k▼ 51.1%
Equity and liabilities €46k
Equity
€32k▼ 48.4%
Debt
€14k▼ 56.4%
The debt ratio falls from 33.8% to 30.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-29k▼
2024 · €57k
Cash flow
€-30k▼
2024 · €44k
Solvency
69.9%▲
2024 · 66.2%
Current ratio
4.33▲
2024 · 4.24
Quick ratio
4.33▲
2024 · 4.24
Debt / equity
0.43▼
2024 · 0.51
ROE
-93.7%▼
2024 · 69.9%
ROA
-65.5%▼
2024 · 46.3%
Interest coverage
-30.83▼
2024 · 44.51
Debt
€14k▼
2024 · €32k
Debt ≤ 1 year
€11k▼
2024 · €22k
Debt > 1 year
€3k▼
2024 · €10k
Income taxes
€107▼
2024 · €12k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€94k€46k▼
Fixed assets21/28€927€464▼
Tangible fixed assets22/27€927€464▼
Furniture and vehicles24€927€464▼
Current assets29/58€93k€46k▼
Amounts receivable within one year40/41€39k€20k▼
Trade receivables40€22k€1k▼
Other amounts receivable41€17k€18k▲
Cash at bank and in hand54/58€54k€26k▼
Equity and liabilities
Total equity and liabilities10/49€94k€46k▼
Equity10/15€62k€32k▼
Contributions10/11€12k€12k=
Reserves13€50k€20k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€48k€20k▼
Amounts payable17/49€32k€14k▼
Amounts payable after more than one year17€10k€3k▼
Financial debts170/4€10k€3k▼
Amounts payable within one year42/48€22k€11k▼
Current portion of amounts payable after more than one year42€6k€7k▲
Trade debts44€34-
Suppliers440/4€34-
Taxes, remuneration and social security45€16k€4k▼
Taxes450/3€16k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€464€464=
Other operating charges640/8€708€698▼
Gross operating margin9900€58k€-28k▼
Operating profit (loss)9901€57k€-29k▼
Financial income75/76B€64€144▲
Recurring financial income75€64€144▲
Financial charges65/66B€1k€936▼
Recurring financial charges65€1k€936▼
Profit (loss) for the period before taxes9903€56k€-30k▼
Income taxes67/77€12k€107▼
Profit (loss) for the period9904€44k€-30k▼
Profit (loss) for the period to be appropriated9905€44k€-30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€-30k▼
Profit (loss) brought forward from the previous period14P€-900-
Transfer from equity791/2-€30k
Transfer to equity691/2€21k-
To other reserves6921€21k-
Profit to be distributed694/7€22k-
Return on contributions (dividend)694€22k-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-30k ▼169%
Net result drops to €-30k, the lowest in the series.
09-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €44k ▲566%
Operating result €57k, net result €44k, both a record.
09-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity doublescurrent ratio 15.38
Current ratio from 6.80 to 15.38; short-term debt falls from €7k to €2k.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Liquidity triplescurrent ratio 12.79
Current ratio from 4.88 to 12.79; short-term debt falls from €7k to €3k.
06-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
2019
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Keerbergen · 1 establishment unit since 2010
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.
G. Asselberghsstraat 343140 KeerbergenGround area
767 m²
Building footprint
120 m²
Volume, LiDAR
717 m³
Parcel 24048B0373/00G000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ProVal
since 20102.196.886.583
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24048B0373/00G000 | Flanders | 767 m² | 1 · 120 m² | 7.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 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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Bureau Veritas Commodities Ghent NV
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GEOSONDA ENVIRONMENT
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Of 2,145 companies in sector 71209 we hold annual accounts for 1,085. 725 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-10-2010
Fiscal year end30-06
Activities, NACEBEL
71209Other technical testing and analysis
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.