Financials
- Fiscal year
- 2025
- Total assets
- €3.8m
- Loss
- -€663,113
- Solvency
- 99.1%
Total assets▼ 14.9%
Net result
20182025
Providentia
ActiveSummary
Providentia has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.8m and a net result of -€663,113. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 94% of 293 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Overview
Activity
Activities of religious organisations
NACE 94910NACE 91310
#7 company by equity in Sint-Niklaas, Other services sector3 sites
Size
€3.8mtotal assets 2025
- Staff
- 4.4 FTE
- Equity
- €3.8m
- Loss
- -€663,113
Turnover not published (abridged schema)
Structure
Accounts 72 d early0 of 6 deeds read
Why 93- Loss of €663,113 (FY 2025)+ Legal form Non-profit association+ Liquidity: current ratio 96.19, cash €2.3m+ Sector Activities of membership organisations (NACE 94)Show the evidence
Checked score
Score 2025
93
/ 100
Excellent
Probability in this band: under 0.55%
Better than 47% of its sector peers (NACE 94, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
100=
equity 99.1% of total assets
Liquidity
100=
short-term debt 0.9% · cash 60.3%
Profitability
0-99
return on assets -17.3%
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 11 months
12-2025: < 0.1%lowest value
01-2026: < 0.1%● 0.0% vs 12-2025lowest value
02-2026: < 0.1%● 0.0% vs 01-2026lowest value
03-2026: < 0.1%● 0.0% vs 02-2026lowest value
04-2026: < 0.1%● 0.0% vs 03-2026lowest value
05-2026: < 0.1%● 0.0% vs 04-2026lowest value
06-2026: < 0.1%▲ +200% vs 05-2026highest value
07-2026: < 0.1%● 0.0% vs 06-2026highest value
08-2026: < 0.1%● 0.0% vs 07-2026highest value
09-2026: < 0.1%● 0.0% vs 08-2026highest value
10-2026: < 0.1%● 0.0% vs 09-2026highest value
- Legal form Non-profit association lowers the probability
- Loss of €663,113 (FY 2025) raises the probability
- Liquidity: current ratio 96.19, cash €2.3m lowers the probability
- Sector Activities of membership organisations (NACE 94) lowers the probability
Credit up to €350,000 at 30 days acceptable
Liquidity ample (current ratio 96.19 against 90.89 in 2024; short-term debt: 0.9% and cash: 60.3% of total assets), and 0.9% of the assets are financed with debt.
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 94, micro). Better than this share of them on solvency 79%, liquidity 92%, profitability 5%, growth against the median 14%. 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
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 20-05-2026, 72 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
72 d early
2024
56 d early
2023
55 d early
2022
67 d early
2021
59 d early
2020
65 d early
2019
74 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 64 days before the deadline; the sector median for financial year 2024 is 29 days before the deadline, and 25% of the sector filed late.
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. Usually files around 2 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Weakest financial yearnet -€663,113
- Annual accounts filedfiscal year 2024 · abbreviated…
Key points
By topic
Timeline
- Events
- 14
- Since
- 2017
- Next accounts
- by 31-07-2027
- 20-05-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 05-06-2025Annual accounts filed
Company details
- Sites
- 3
- Legal form
- Non-profit association
- Activity
- Activities of religious organisationsNACE 94910
- Founded
- 03-11-1985
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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