PROVAM
ActiveSummary
PROVAM has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €29k. Equity is growing by ~35% per year across the filed fiscal years. Its solvency ranks better than 86% of 9494 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 6.79 against 3.51 in 2024; short-term debt: 13.2% and cash: 49.7% of total assets), and 13.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
86.8%
Return on assets
25.7%
Age of the figures
9 mo
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 03-06-2026, 58 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
58 d early
2024
57 d early
2023
44 d early
2022
54 d early
2021
41 d early
2020
39 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€97k▲ 42.1%
2024 · €68k
2020: €22klowest in 6 years
2021: €29k▲ +35.8% vs 2020
2022: €32k▲ +8.8% vs 2021
2023: €44k▲ +36.9% vs 2022
2024: €68k▲ +56.1% vs 2023
2025: €97k▲ +42.1% vs 2024highest in 6 years
2020 → 2025
Total assets
€111k▲ 25.0%
2024 · €89k
2020: €115khighest in 6 years
2021: €101k▼ -12.4% vs 2020
2022: €86k▼ -14.7% vs 2021
2023: €79k▼ -8.4% vs 2022lowest in 6 years
2024: €89k▲ +12.9% vs 2023
2025: €111k▲ +25.0% vs 2024
2020 → 2025
Net result
€29k▲ 17.0%
2024 · €24k
2020: €26k
2021: €8k▼ -70.1% vs 2020
2022: €3k▼ -66.7% vs 2021lowest in 6 years
2023: €12k▲ +358% vs 2022
2024: €24k▲ +108% vs 2023
2025: €29k▲ +17.0% vs 2024highest in 6 years
2020 → 2025
Working capital
€85k▲ 69.3%
2024 · €50k
2020: €8klowest in 6 years
2021: €11k▲ +39.9% vs 2020
2022: €11k▲ +2.1% vs 2021
2023: €24k▲ +107% vs 2022
2024: €50k▲ +111% vs 2023
2025: €85k▲ +69.3% vs 2024highest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€32k▲ 8.8%€44k▲ 36.9%€68k▲ 56.1%€97k▲ 42.1%
2021: €29klowest in 5 years
2022: €32k▲ +8.8% vs 2021
2023: €44k▲ +36.9% vs 2022
2024: €68k▲ +56.1% vs 2023
2025: €97k▲ +42.1% vs 2024highest in 5 years
Operating result€12k-€5k▼ 54.4%€18k▲ 242%€35k▲ 93.9%€41k▲ 15.0%
2021: €12k
2022: €5k▼ -54.4% vs 2021lowest in 5 years
2023: €18k▲ +242% vs 2022
2024: €35k▲ +93.9% vs 2023
2025: €41k▲ +15.0% vs 2024highest in 5 years
Net result€8k-€3k▼ 66.7%€12k▲ 358%€24k▲ 108%€29k▲ 17.0%
2021: €8k
2022: €3k▼ -66.7% vs 2021lowest in 5 years
2023: €12k▲ +358% vs 2022
2024: €24k▲ +108% vs 2023
2025: €29k▲ +17.0% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €111k
Fixed assets
€12k ▼ 37.9%
Current assets
€99k ▲ 42.1%
Equity and liabilities €111k
Equity
€97k ▲ 42.1%
Debt
€15k ▼ 30.1%
Debt's share of the balance-sheet total falls from 23.6% to 13.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€51k▼
2024 · €53k
Cash flow
€39k▼
2024 · €42k
Current ratio
6.79▲
2024 · 3.51
Debt to equity
0.15▼
2024 · 0.31
ROE
29.6%▼
2024 · 36.0%
ROA
25.7%▼
2024 · 27.5%
Interest coverage
92.71▼
2024 · 94.22
Debt ≤ 1 year
€15k▼
2024 · €20k
Income taxes
€12k▲
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€89k€111k▲
Fixed assets21/28€19k€12k▼
Tangible fixed assets22/27€19k€12k▼
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€16k€7k▼
Current assets29/58€70k€99k▲
Amounts receivable within one year40/41€17k€31k▲
Trade receivables40€15k€29k▲
Other amounts receivable41€2k€2k▼
Current investments50/53€3k€10k▲
Cash at bank and in hand54/58€46k€55k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€89k€111k▲
Equity10/15€68k€97k▲
Contributions10/11€100€100=
Reserves13€68k€96k▲
Distributable reserves133€68k€96k▲
Amounts payable17/49€21k€15k▼
Amounts payable within one year42/48€20k€15k▼
Current portion of amounts payable after more than one year42€7k-
Trade debts44€3k€602▼
Suppliers440/4€3k€602▼
Taxes, remuneration and social security45€10k€14k▲
Taxes450/3€10k€14k▲
Accrued charges and deferred income492/3€1k€15▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€10k▼
Other operating charges640/8€127€175▲
Gross operating margin9900€53k€51k▼
Operating profit (loss)9901€35k€41k▲
Financial income75/76B€10€69▲
Recurring financial income75€10€69▲
Financial charges65/66B€565€550▼
Recurring financial charges65€565€550▼
Profit (loss) for the period before taxes9903€35k€40k▲
Income taxes67/77€10k€12k▲
Profit (loss) for the period9904€24k€29k▲
Profit (loss) for the period to be appropriated9905€24k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€29k▲
Transfer to equity691/2€24k€29k▲
To other reserves6921€24k€29k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15k | €17k | €18k | €18k | €10k | ▼ 42.5% |
| Other operating charges640/8 | €64 | €73 | €878 | €127 | €175 | ▲ 37.3% |
| Gross operating margin9900 | €27k | €22k | €37k | €53k | €51k | ▼ 4.2% |
| Operating profit (loss)9901 | €12k | €5k | €18k | €35k | €41k | ▲ 15.0% |
| Financial income75/76B | €9 | €11 | €11 | €10 | €69 | ▲ 557% |
| Recurring financial income75 | €9 | €11 | €11 | €10 | €69 | ▲ 557% |
| Financial charges65/66B | €847 | €897 | €676 | €565 | €550 | ▼ 2.8% |
| Recurring financial charges65 | €847 | €897 | €676 | €565 | €550 | ▼ 2.8% |
| Profit (loss) for the period before taxes9903 | €11k | €4k | €18k | €35k | €40k | ▲ 15.5% |
| Income taxes67/77 | €3k | €2k | €6k | €10k | €12k | ▲ 11.8% |
| Profit (loss) for the period9904 | €8k | €3k | €12k | €24k | €29k | ▲ 17.0% |
| Profit (loss) for the period to be appropriated9905 | €8k | €3k | €12k | €24k | €29k | ▲ 17.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €101k | €86k | €79k | €89k | €111k | ▲ 25.0% |
| Fixed assets21/28 | €53k | €42k | €27k | €19k | €12k | ▼ 37.9% |
| Tangible fixed assets22/27 | €53k | €42k | €27k | €19k | €12k | ▼ 37.9% |
| Plant, machinery and equipment23 | €5k | €5k | €5k | €3k | €4k | ▲ 42.2% |
| Furniture and vehicles24 | €49k | €36k | €22k | €16k | €7k | ▼ 53.7% |
| Current assets29/58 | €47k | €44k | €52k | €70k | €99k | ▲ 42.1% |
| Amounts receivable within one year40/41 | €11k | €15k | €6k | €17k | €31k | ▲ 84.5% |
| Trade receivables40 | €11k | €14k | €5k | €15k | €29k | ▲ 93.9% |
| Other amounts receivable41 | €4 | €413 | €1k | €2k | €2k | ▼ 4.4% |
| Current investments50/53 | - | - | - | €3k | €10k | ▲ 172% |
| Cash at bank and in hand54/58 | €33k | €27k | €42k | €46k | €55k | ▲ 19.4% |
| Deferred charges and accrued income490/1 | €3k | €3k | €3k | €4k | €4k | ▲ 11.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €101k | €86k | €79k | €89k | €111k | ▲ 25.0% |
| Equity10/15 | €29k | €32k | €44k | €68k | €97k | ▲ 42.1% |
| Contributions10/11 | €100 | €100 | €100 | €100 | €100 | = |
| Reserves13 | €29k | €32k | €43k | €68k | €96k | ▲ 42.1% |
| Distributable reserves133 | €29k | €32k | €43k | €68k | €96k | ▲ 42.1% |
| Amounts payable17/49 | €72k | €54k | €35k | €21k | €15k | ▼ 30.1% |
| Amounts payable after more than one year17 | €35k | €21k | €7k | - | - | - |
| Financial debts170/4 | €35k | €21k | €7k | - | - | - |
| Amounts payable within one year42/48 | €36k | €33k | €28k | €20k | €15k | ▼ 26.4% |
| Current portion of amounts payable after more than one year42 | €14k | €14k | €14k | €7k | - | - |
| Trade debts44 | €6k | €2k | €3k | €3k | €602 | ▼ 79.9% |
| Suppliers440/4 | €6k | €2k | €3k | €3k | €602 | ▼ 79.9% |
| Taxes, remuneration and social security45 | €16k | €16k | €10k | €10k | €14k | ▲ 43.6% |
| Taxes450/3 | €16k | €16k | €10k | €10k | €14k | ▲ 43.6% |
| Other amounts payable47/48 | €234 | - | - | - | - | - |
| Accrued charges and deferred income492/3 | €37 | - | €216 | €1k | €15 | ▼ 98.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8k | €3k | €12k | €24k | €29k | ▲ 17.0% |
| + Depreciation and write-downs630 | €15k | €17k | €18k | €18k | €10k | ▼ 42.5% |
| Operating cash flow (approximation) | €23k | €20k | €29k | €42k | €39k | ▼ 8.2% |
| Investment in fixed assets (approximation) | - | €-5k | €-3k | €-10k | €-3k | ▲ 67.9% |
| Change in cash | - | €-6k | €15k | €4k | €9k | ▲ 109% |
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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €29k ▲17%
Operating result €41k, net result €29k, both a record.
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €3k ▼66.7%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Zoersel · 1 establishment unit since 2020
Ground area
674 m²
Building footprint
84 m²
Volume, LiDAR
494 m³
Parcel 11055C0127/00V000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PROVAM
since 20202.299.239.795
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11055C0127/00V000 | Flanders | 674 m² | 1 · 84 m² | 7.2 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
Flemish government
2024 · 1 entry · 539 EUR awarded · 539 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 539 EUR | 539 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,546 companies in sector 71121 we hold annual accounts for 6,561. 5,230 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
Founded29-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
62200Computer consultancy and computer facilities management
70100Activities of head offices
70200Business and other management consultancy
81300Landscape service activities
Scores and ratios are computed by Checked and are not a credit decision.