Turnover
≈ €210,000 estimated
The micro format states no turnover.
PROVAL CONSTRUCT
Overview
Lifetime
2 annual accounts with figures on one time axispeak €45,120 (2024)
€35,324▼ 21.7%
peak €33,697 (2024)
€377▼ 98.9%
peak €39,074 (2025)
€39,074▲ 1.0%
€32,657▲ 37.0%
Board1 name since 2023
1 directorPOPA Valentin
Documentsfilings and deeds
19-06-202642 days before the deadline
2025micro format
Gross margin from €45,120 to €35,324Result from €33,697 to €377Debts from €23,842 to €32,657
Key points
from the 2025 annual accountsInvestments
€10,250 1.7 × depreciation
Green is investment, beige is depreciation. Machinery stands 139.5% higher than in 2024.
Starting capital
€5,000 100 shares
Checked score
51
Fair
Financially stronger than 46% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.9% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.9%
01-2025: 2.3%▲ +0.4 percentage points vs 12-2024
02-2025: 2.4%▲ +0.1 percentage points vs 01-2025
03-2025: 2.7%▲ +0.3 percentage points vs 02-2025
04-2025: 2.7%● unchanged vs 03-2025
05-2025: 3.0%▲ +0.3 percentage points vs 04-2025
06-2025: 3.0%● unchanged vs 05-2025highest value
07-2025: 1.8%▼ -1.2 percentage points vs 06-2025lowest value
08-2025: 1.8%● unchanged vs 07-2025
09-2025: 1.9%▲ +0.1 percentage points vs 08-2025
10-2025: 1.9%● unchanged vs 09-2025
11-2025: 1.9%● unchanged vs 10-2025
12-2025: 1.9%● unchanged vs 11-2025
01-2026: 1.9%● unchanged vs 12-2025
02-2026: 1.9%● unchanged vs 01-2026
03-2026: 1.9%● unchanged vs 02-2026
04-2026: 2.0%▲ +0.1 percentage points vs 03-2026
05-2026: 2.0%● unchanged vs 04-2026
06-2026: 2.0%● unchanged vs 05-2026
07-2026: 2.9%▲ +0.9 percentage points vs 06-2026
08-2026: 2.9%● unchanged vs 07-2026
09-2026: 2.9%● unchanged vs 08-2026
10-2026: 2.9%● unchanged vs 09-2026
11-2026: 2.9%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2023
Liquidity: current ratio 1.66
Size: total assets €71,731
Sector: Specialised construction activities (NACE 43)
Calculation
The band follows from the bankruptcy probability. 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 43, micro). It does better than 59% of them on solvency, 52% on liquidity, 36% on profitability and 38% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,546 companies had the same profile as PROVAL CONSTRUCT has now. Each dot stands for 7 companies, two years later.
94.2%
were still trading
3.2%
stopped another way
2.3%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of PROVAL CONSTRUCT itself: 2.9% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,546 companies, not a prediction for PROVAL CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.66 (2.3 in 2024), above the usual 1.5. Short-term debt is 45.5% of total assets. 45.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises riskneutral
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 19-06-2026, 42 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
42 days early
2024
41 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 42 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1000702874
Incorporation
Founding capital of €5,000, 100 shares · Founder: POPA Valentin · Appointment: POPA Valentin (director) · published on 05-10-2023 · Gazette deed
First establishment
Chemin des Chauffours 80, Soignies
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PROVAL CONSTRUCT Soignies | €71,731 | €35,324 | 54.5% | - |
| Wonder-Wall Tessenderlo-Ham | €72,100 | €38,960 | 47.0% | - |
| ROBISA Etterbeek | €62,461 | €37,351 | 79.7% | - |
| Margodt Lowie Lichtervelde | €73,418 | €31,305 | 62.3% | - |
| D.E.Z. SINAN CHAPE Charleroi | €68,422 | €26,913 | 32.8% | - |
| Alta Entreprise Les Bons Villers | €95,130 | €27,597 | 57.3% | - |
| Stucco Projects Genk | €77,703 | €45,995 | 91.3% | - |
These companies have the same main activity as PROVAL CONSTRUCT: plastering work (NACE 43310). They are comparable in size and age: total assets between €62,500 and €95,100, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 03-10-2023Normal situation
- Activity
- Plastering workNACE 43310and 1 other
- Establishment unit
- 2.351.636.2277060 Soignies, since 03-10-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 28-01-2025
Annual accounts 2025
- €35,324▼ 21.7%
- €377▼ 98.9%
- €39,074▲ 1.0%
- €71,731▲ 14.7%
- 0.5 FTE
- Filing
- Filed on 19-06-2026, 42 days before the end of the filing period
Insights on PROVAL CONSTRUCT
The computed 12-month bankruptcy probability of PROVAL CONSTRUCT is 2.9% (moderate). The 2025 annual accounts show equity of €39,074 and a net result of €377.
Its solvency ranks better than 59% of 35,125 sector peers (NACE 43, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 19-06-2026, 42 days before the deadline€35,324
▼ 21.7%
€1,444
▼ 96.6%
€377
▼ 98.9%
€21,444
▼ 22.5%
54.5%
▼ 7.4 percentage points
1.66
▼ 0.64
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €210,000. Estimated: probably between €150,000 and €350,000.
Balance sheet
balance sheet total €71,731 on 31-12-2025What the company ownsHow it is paid for
in euro
Position in the sector
54.5%
Higher than 59% of 35,125 companies in 2025.
1.66
Higher than 45% of 34,499 companies in 2025.
0.5%
Higher than 26% of 34,700 companies in 2025.
PROVAL CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Staff
€54,814
Staff costs divided by the average number of full-time equivalents.
level
people who joined
people who left
In 2025, 1 person joined and 1 left.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
71,731 | 62,539 | |
21/28 |
17,630 | 13,529 | |
22/27 |
17,630 | 13,529 | |
23 |
14,135 | 5,902 | |
24 |
3,495 | 7,627 | |
29/58 |
54,101 | 49,010 | |
40/41 |
53,172 | 40,592 | |
40 |
48,357 | 36,000 | |
41 |
4,815 | 4,592 | |
54/58 |
- | 5,027 | |
490/1 |
929 | 3,391 | |
| Balance sheet: equity and liabilities | |||
10/49 |
71,731 | 62,539 | |
10/15 |
39,074 | 38,697 | |
10/11 |
5,000 | 5,000 | |
14 |
34,074 | 33,697 | |
17/49 |
32,657 | 23,842 | |
42/48 |
32,657 | 21,342 | |
43 |
10,715 | 1,056 | |
430/8 |
10,715 | 1,056 | |
44 |
14,321 | 11,787 | |
440/4 |
14,321 | 11,787 | |
45 |
7,553 | 8,424 | |
450/3 |
7,553 | 8,424 | |
47/48 |
68 | 75 | |
492/3 |
- | 2,500 | |
| Income statement | |||
9900 |
35,324 | 45,120 | |
62 |
27,407 | - | |
630 |
6,149 | 1,731 | |
640/8 |
324 | 537 | |
9901 |
1,444 | 42,852 | |
75/76B |
- | 2 | |
75 |
- | 2 | |
65/66B |
939 | 733 | |
65 |
939 | 733 | |
9903 |
505 | 42,121 | |
67/77 |
128 | 8,424 | |
9904 |
377 | 33,697 | |
9905 |
377 | 33,697 | |
| Appropriation of the result | |||
9906 |
34,074 | 33,697 | |
14P |
33,697 | - | |
| Social balance sheet | |||
9087 |
0.5 | - | |
Hours worked1013 |
936 | - | |
| Document | |||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 19-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 7,593 | 44,583 | ||
| 6,526 | 35,428 | ||
| 10,250 | 15,260 | ||
| 21,444 | 27,668 | ||
| 54.5% | 61.9% | ||
| 1.66 | 2.30 | ||
| 0.84 | 0.62 | ||
| 1.0% | 87.1% | ||
| 0.5% | 53.9% | ||
| 8.09 | 60.82 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 31-12-2025 |
|---|---|
| 0.5 | |
| Joined | 1 |
| Left | 1 |
Source: social balance sheet in the 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €10,250 | €15,260 |
| €6,149 | €1,731 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on PROVAL CONSTRUCT
The operating result for 2025 is 97% lower than in 2024.
Debt's share of the balance-sheet total rises from 38.1% to 45.5%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 05-10-2023
term without a fixed end
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 05-10-2023
Mandates through the years
1 name, the dashed line is todayPOPA Valentin
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- POPA Valentin
- Director (not named in the articles), appointed by deed of 05-10-2023, still in office
Control
Capital
- Contribution
- €5,000
- Shares
- 100
- Contribution per share
- €50
- Equity per share
- €391 in 2025
- Source
- deed of 05-10-2023
Articles of association
deed of 05-10-2023 (in French)- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 1 June at 18:00
Shareholders
At incorporation
deed of 05-10-2023 ↗
- POPA Valentin 100 shares (100%) · €5,000 in cash
Network & group
No group
PROVAL CONSTRUCT has no parent and no holdings in its annual accounts. POPA Valentin is the only director. PROVAL CONSTRUCT shares no director with another company.
Timeline
Timeline
5 events since 2023Filings
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 42 days before the deadline
2025
Annual accounts 2024 filed PDFmicro format · 41 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:1000702874
2023
IncorporationFounding capital of €5,000, 100 shares · Founder: POPA Valentin · Appointment: POPA Valentin (director) · published on 05-10-20235 points ▸
- Founder, POPA Valentin
- Founding capital, €5,000, 100 shares
- 100 shares
- Registered office clause, Chemin des Chauffours 80, 7060 Soignies
- Director appointment, POPA Valentin (director (not named in the articles))
- The deed holds 2 more points.
First establishment Chemin des Chauffours 80, Soignies
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
PROVAL CONSTRUCT was incorporated on 3 October 2023 as a private limited company by one natural person, with a starting capital of €5,000.12 POPA Valentin is director of the company, appointed by deed of 05-10-2023.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1000.702.874
- VAT number
- BE 1000.702.874
- Peppol ID
- 0208:1000702874
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 03-10-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 1 June at 18:00deed of 05-10-2023 (in French)
- Peppol
- Reachable since 28-01-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- PROVAL CONSTRUCT in French
- Entity type
- Legal entity
Activities
NACEBEL 202543310
Plastering work main activity
43341
Painting of buildings
Codes under NACEBEL 2008
43310
Plastering work main activity
43341
Painting of buildings
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “La conception, l'invention, la fabrication, la construction, l'importation, l'exportation, l'achat et la vente, la distribution…”deed of 05-10-2023 (in French)
3 activities
- La conception, l'invention, la fabrication, la construction, l'importation, l'exportation, l'achat et la vente, la distribution, l'entretien, l'exploitation tant en nom propre qu'en qualité d'agent, de commissionnaire ou de courtier de tout bien immobilier accessoire aux biens immobiliers visés au numéro 1.
- L'étude et la réalisation de tous travaux de construction, publics et privés, en qualité d'entrepreneur général ou en sous-traitance, la conception et la construction de tous bâtiments et édifices, l'étude et la réalisation de décorations tant intérieures qu’extérieures ; toutes opérations se rapportant directement ou indirectement à l'entretien, la rénovation, les travaux de réparation, d'embellissement, de renouvellement et de modernisation, et la maintenance de tous les types d'ouvrages d'art, de biens immeubles, et plus généralement toutes opérations se rapportant directement ou indirectement aux secteurs des travaux publics et privés et du bâtiment.
- La société peut exercer des fonctions d’administrateur et de liquidateur.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Chemin des Chauffours 80 registered office 7060 Soignies | 03-10-2023 | 2.351.636.227 |
Buildings and parcels at the address
- Ground area
- 234 m²
- Buildings
- 18 m²
- Volume, LiDAR
- 70 m³
- Tallest building
- 5.9 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 55040B1380/00Z002 | 234 m² | 1 · 18 m² | 5.9 m · 1 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1000.702.874