PROVANAL
ActivePROVANAL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.50M and a net result of €20k. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 1455 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 12-05-2026, 12 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
12 d late
2024
99 d early
2023
131 d early
2022
31 d early
2021
142 d late
2020
on the day
2019
183 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.50M▲ 1.3%
2024 · €1.48M
2018: €1.78M
2019: €1.81M
2020: €1.81M
2021: €1.83M
2022: €1.85M
2023: €1.45M
2024: €1.48M
2018 → 2025
Net result
€20k▼ 32.3%
2024 · €29k
2018: €19k
2019: €28k
2020: €28k
2021: €17k
2022: €24k
2023: €38k
2024: €29k
2018 → 2025
Total assets
€1.54M=
2024 · €1.54M
2018: €1.84M
2019: €1.89M
2020: €1.89M
2021: €1.93M
2022: €1.93M
2023: €1.54M
2024: €1.54M
2018 → 2025
Solvency
97.1%▲ 1.3pp
2024 · 95.8%
2018: 96.9%
2019: 96.2%
2020: 96.0%
2021: 94.7%
2022: 96.2%
2023: 94.3%
2024: 95.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.83M-€1.85M▲ 1.3%€1.45M▼ 21.7%€1.48M▲ 2.0%€1.50M▲ 1.3%
Operating result€34k-€30k▼ 10.9%€37k▲ 22.0%€47k▲ 26.9%€31k▼ 33.6%
Net result€17k-€24k▲ 38.4%€38k▲ 58.2%€29k▼ 23.8%€20k▼ 32.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.54M
Fixed assets
€1.50M▼ 0.1%
Current assets
€44k▲ 2.9%
Equity and liabilities €1.54M
Equity
€1.50M▲ 1.3%
Debt
€45k▼ 30.2%
The debt ratio falls from 4.2% to 2.9%: equity grows while debt is paid down.
Key figures and ratios
Solvency
97.1%▲
2024 · 95.8%
ROE
1.3%▼
2024 · 2.0%
ROA
1.3%▼
2024 · 1.9%
Debt
€45k▼
2024 · €65k
Debt ≤ 1 year
€45k▼
2024 · €65k
Income taxes
€8k▼
2024 · €15k
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€1.54M€1.54M=
Fixed assets21/28€1.50M€1.50M▼
Tangible fixed assets22/27€1k€0▼
Plant, machinery and equipment23€23€0▼
Furniture and vehicles24€1k€0▼
Other tangible fixed assets26€0-
Financial fixed assets28€1.50M€1.50M=
Current assets29/58€43k€44k▲
Amounts receivable within one year40/41€34k€34k▲
Trade receivables40€33k€34k▲
Other amounts receivable41€713€713=
Cash at bank and in hand54/58€7k€8k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.54M€1.54M=
Equity10/15€1.48M€1.50M▲
Contributions10/11€1.14M€1.14M=
Reserves13€341k€361k▲
Distributable reserves133€341k€361k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€65k€45k▼
Amounts payable within one year42/48€65k€45k▼
Current portion of amounts payable after more than one year42€3k€0▼
Trade debts44€16k€15k▼
Suppliers440/4€16k€15k▼
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Other amounts payable47/48€39k€24k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€23▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€1k€0▼
Gross operating margin9900€51k€34k▼
Operating profit (loss)9901€47k€31k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€44k€28k▼
Income taxes67/77€15k€8k▼
Profit (loss) for the period9904€29k€20k▼
Profit (loss) for the period to be appropriated9905€29k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€20k▼
Transfer to equity691/2€29k€20k▼
To other reserves6921€29k€20k▼
Profit to be distributed694/7€0-
Directors or managers695€0-
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (13 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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
21-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-09
Financial
Highest result since 2018net €38k ▲58.2%
Net result €38k, the highest in the series.
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 142 days late
2021
30-09
Financial
Weakest financial yearnet €17k ▼38.9%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 183 days late
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 77 days late
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 36 days late
2017
04-04
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
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
28-09-2023
PROOST Alex René Thomas Patrick: Resigned as Manager
31-12-2014
Laurence Vandamme: Resigned as Manager
Location & real-estate footprint
Registered office, Zoersel · 1 establishment unit since 2011
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.
Klein Herentals 112980 ZoerselGround area
1,024 m²
Building footprint
143 m²
Volume, LiDAR
667 m³
Parcel 11017C0102/00E000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Klein Herentals 11, 2980 Zoersel
since 20112.371.847.661
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11017C0102/00E000 | Flanders | 1,024 m² | 1 · 143 m² | 7.3 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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Of 587 companies in sector 66300 we hold annual accounts for 361. 188 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2011
Fiscal year end30-09
Activities, NACEBEL
66300Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.