PROVIDENT
ActiveSummary
PROVIDENT has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €43,889 and a net result of -€6,433. Equity is shrinking by ~6.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.1% (low).
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Signals
This company filed its last 6 accounts on average 50 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
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Peer companies
Historical observationOf the 2,448 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a small loss
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,448 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €7,292 | - | - | - |
| Other operating charges640/8 | - | €1,683 | €2,423 | €3,700 | €1,759 | ▼ 52.5% |
| Gross operating margin9900 | €1,394 | €3,037 | €10,014 | -€2,257 | -€3,385 | ▼ 49.9% |
| Operating profit (loss)9901 | -€901 | €1,354 | €299 | -€5,957 | -€5,143 | ▲ 13.7% |
| Financial charges65/66B | - | €850 | €658 | €338 | €941 | ▲ 178% |
| Recurring financial charges65 | €897 | €850 | €658 | €338 | €941 | ▲ 178% |
| Profit (loss) for the period before taxes9903 | -€1,798 | €504 | -€359 | -€6,296 | -€6,085 | ▲ 3.4% |
| Income taxes67/77 | €381 | €691 | €412 | €378 | €348 | ▼ 8.0% |
| Profit (loss) for the period9904 | -€2,179 | -€187 | -€771 | -€6,674 | -€6,433 | ▲ 3.6% |
| Profit (loss) for the period to be appropriated9905 | -€2,179 | -€187 | -€771 | -€6,674 | -€6,433 | ▲ 3.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €188,205 | €195,087 | €191,550 | €187,566 | €186,699 | ▼ 0.5% |
| Fixed assets21/28 | €169,573 | €176,489 | €169,434 | €169,434 | €169,434 | = |
| Tangible fixed assets22/27 | €169,386 | €176,301 | €169,009 | €169,009 | €169,009 | = |
| Land and buildings22 | - | €128,740 | €128,740 | €128,740 | €128,740 | = |
| Plant, machinery and equipment23 | - | €40,268 | €40,268 | €40,268 | €40,268 | = |
| Furniture and vehicles24 | - | €7,292 | - | - | - | - |
| Financial fixed assets28 | €188 | €188 | €425 | €425 | €425 | = |
| Current assets29/58 | €18,632 | €18,598 | €22,116 | €18,133 | €17,266 | ▼ 4.8% |
| Amounts receivable within one year40/41 | €17,503 | €17,503 | €17,266 | €17,266 | €17,266 | = |
| Other amounts receivable41 | - | €17,503 | €17,266 | €17,266 | €17,266 | = |
| Cash at bank and in hand54/58 | - | €261 | €3,772 | - | - | - |
| Deferred charges and accrued income490/1 | - | €834 | €1,079 | €867 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €188,205 | €195,087 | €191,550 | €187,566 | €186,699 | ▼ 0.5% |
| Equity10/15 | €57,955 | €57,767 | €56,996 | €50,322 | €43,889 | ▼ 12.8% |
| Contributions10/11 | €50,000 | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Outside capital11 | - | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Other1109/19 | - | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Reserves13 | €124,674 | €124,674 | €124,674 | €124,674 | €124,674 | = |
| Non-distributable reserves130/1 | - | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves not available under the articles1311 | - | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Tax-exempt reserves132 | - | €19,295 | €19,295 | €19,295 | €19,295 | = |
| Distributable reserves133 | - | €100,379 | €100,379 | €100,379 | €100,379 | = |
| Profit (loss) carried forward14 | -€116,719 | -€116,907 | -€117,678 | -€124,352 | -€130,785 | ▼ 5.2% |
| Amounts payable17/49 | €130,251 | €137,319 | €134,554 | €137,244 | €142,810 | ▲ 4.1% |
| Amounts payable after more than one year17 | €19,058 | €14,948 | - | - | - | - |
| Financial debts170/4 | - | €14,948 | - | - | - | - |
| Amounts payable within one year42/48 | €94,550 | €105,728 | €117,911 | €120,601 | €125,139 | ▲ 3.8% |
| Financial debts43 | - | - | - | - | €10,685 | - |
| Credit institutions430/8 | - | - | - | - | €10,685 | - |
| Advances received on contracts in progress46 | - | €3,433 | €3,433 | €8,674 | €3,427 | ▼ 60.5% |
| Taxes, remuneration and social security45 | - | - | - | €378 | €378 | = |
| Taxes450/3 | - | - | - | €378 | €378 | = |
| Other amounts payable47/48 | - | €102,296 | €114,479 | €111,549 | €110,648 | ▼ 0.8% |
| Accrued charges and deferred income492/3 | - | €16,643 | €16,643 | €16,643 | €17,671 | ▲ 6.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,179 | -€187 | -€771 | -€6,674 | -€6,433 | ▲ 3.6% |
| + Depreciation and write-downs630 | - | - | €7,292 | - | - | - |
| Operating cash flow (approximation) | -€2,179 | -€187 | €6,521 | -€6,674 | -€6,433 | ▲ 3.6% |
| Investment in fixed assets (approximation) | - | -€6,915 | -€238 | €0 | €0 | - |
| Change in cash | - | - | €3,511 | - | - | - |
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
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41034E0068/00G003 | Flanders | 1,160 m² | 1 · 164 m² | 9.6 m · 2 fl. |
Linked by address, not proof of ownership
Identification & contact
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
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Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.