Age2 yrs
Real estate1 parcel · 1,038 m²
Summary
Conclusion
the dossier summarised in one paragraphPROVENTUS 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 €101k and a net result of €40k. Its solvency ranks better than 51% of 1205 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Trust signals
3 signalsYoung company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
0 events
No administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Equity€101k+64.5%
Net result€40k-33.3%
Total assets€207k+160.4%
Solvency48.6%-28.3pp
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 05-06-2026 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 48.6% | 47.4% | |
| Net result | €40k | €43k | |
| Equity | €101k | €84k | |
| Gross operating margin | €51k | €70k | |
| Total assets | €207k | €211k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€40k
-33.3%
far above sector median
€207k
+160.4%
-54% vs sector
€101k
+64.5%
-59% vs sector
€15k
-1.1%
far above sector median
€107k
+480.2%
far above sector median
€107k
+480.2%
far above sector median
48.6%
-36.8%
-46% vs sector
39.2%
-59.5%
far above sector median
19.1%
-74.4%
far above sector median
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €40k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €15k |
| Dividends | - |
| Total assets | €207k |
| Equity | €101k |
| Debt | €107k |
| of which ≤ 1y | €107k |
| of which > 1y | - |
| Working capital | n/a |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 48.6% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 19.1% |
| ROE | 39.2% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €207k |
| Fixed assets | 21/28 | €49k |
| Financial fixed assets | 28 | €49k |
| Current assets | 29/58 | €159k |
| Amounts receivable within one year | 40/41 | €117k |
| Cash & bank | 54/58 | €2k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €207k |
| Equity | 10/15 | €101k |
| Contributions / capital | 10/11 | €2k |
| Reserves | 13 | €99k |
| Amounts payable | 17/49 | €107k |
| Amounts payable within one year | 42/48 | €107k |
| Trade debts payable within one year | 44 | €11k |
| Income statement | ||
| Gross operating margin | 9900 | €51k |
| Operating result | 9901 | €51k |
| Financial income | 75 | €4k |
| Financial charges | 65 | €85 |
| Result before taxes | 9903 | €54k |
| Income taxes | 67/77 | €15k |
| Net result for the period | 9904 | €40k |
| Result to be appropriated | 9905 | €40k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2025 · computedModel not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Structure & network
Locations & real estate
Establishment units
1 locationPROVENTUS
since 20232.352.370.556
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,038 m²
Buildings1
Building footprint250 m²
Volume (LiDAR)1,698 m³
Tallest building10.5 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73322A0261/00G005 | Flanders | 1,038 m² | 1 · 250 m² | 10.5 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Analysis
Snowflake analysis
financial profile on 5 axes63
/ 100
Strong profile, led by profitability.
Health
0
Profitability
100
Solvency
82
Growth
52
Stability
82
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Credit advice
verdict per customer and amountSimilar
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Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Holdings64200Activiteiten van holdings64210Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Overige ondersteunende activiteiten in verband met financiële diensten, exclusief verzekeringen en pensioenfondsen, n.e.g.66199Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen66199Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
| Legal nameNL | PROVENTUS |
Registered office
Reistraat 4
3620 Lanaken, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.