Financials
- Fiscal year
- 2025
- Total assets
- €14,548
- Loss
- -€12,072
- Solvency
- -38.1%
Total assets▼ 59.2%
Net result
20192025
PROVIDENT CONSULT
ActiveSummary
PROVIDENT CONSULT has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€5,538) and a net result of -€12,072. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 8535 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
What they do
Office administrative and support services
NACE 82100NACE 82110
1 site
How big
€14,548total assets 2025
- Equity
- -€5,538
- Loss
- -€12,072
Turnover not published (abridged schema)
Who decides
Accounts 3 d early0 of 1 deed read
Why 52Capped at 59: negative equity- Negative equity -€5,538- Loss of €12,072, the second in a row (FY 2025)+ Size: total assets €14,548+ Sector Office administrative, office support and other business support activities (NACE 82)Show the evidence
Checked score
Score 2025
52
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 6% of its sector peers (NACE 82, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency
0-43
equity -38.1% of total assets
Liquidity
21-34
short-term debt 120.2% · cash 16.9%
Profitability
0-53
return on assets -83.0%
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- Size: total assets €14,548 lowers the probability for this profile
- Negative equity -€5,538 raises the probability
- Loss of €12,072, the second in a row (FY 2025) raises the probability
- Sector Office administrative, office support and other business support activities (NACE 82) lowers the probability
No credit on open account
Liquidity short (current ratio 0.3 against 1.07 in 2024; short-term debt: 120.2% and cash: 16.9% of total assets), and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 82, micro). Better than this share of them on solvency 5%, liquidity 11%, profitability 5%, growth against the median 2%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€5,538
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
3 d early
2024
22 d early
2023
19 d early
2022
3 d early
2021
33 d early
2020
on the day
2019
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 12 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 12 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close02-10-2026 today30-04-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Key points
- Risk: Negative equityfiscal year 2025: debts exceed assets -€5,538 View
- Caution: Among the weakest 9% on solvencysector median 51.1% · 8,535 companies -38.1% View
- Positive: Always filed on timeaccounts within the deadline every year 8 years View
- Caution: 2 loss-making years in a rowloss fiscal year 2025 -€12,072 View
By topic
Timeline
- Events
- 12
- Since
- 2018
- Next accounts
- by 30-04-2027
- 27-04-2026Annual accounts filed
- 08-04-2025Annual accounts filed
- 11-04-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Office administrative and support servicesNACE 82100
- Founded
- 10-10-2016
- Year ends
- 30-09
- Peppol
- Reachable for e-invoices
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