ProVise
ActiveSummary
The computed 12-month bankruptcy probability of ProVise is 1.5% (moderate). The 2025 annual accounts show negative equity (-€49,331) and a net result of €1,170. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 5% of 28254 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Age of the figures
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 28254 sector peers (2025).
NBB · sector comparisonPosition among 28254 sector peers
Solvency
better than 5%
← weakest
strongest →
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 26-07-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
55 d early
2023
21 d late
2022
22 d late
2021
3 d early
2020
10 d late
2019
31 d late
← 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 3 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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 28 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€49,331▲ 2.3%
2024 · -€50,501
Total assets
€1,843▼ 52.5%
2024 · €3,882
Net result
€1,170
2024 · -€4,252
Working capital
-€49,331▲ 2.2%
2024 · -€50,429
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€7,540-€2,254-€2,977▼ 32.1%-€3,846▼ 29.2%€1,877
Net result€7,135within the sector's middle half-€2,659below the sector's middle half-€3,382below the sector's middle half▼ 27.2%-€4,252below the sector's middle half▼ 25.7%€1,170within the sector's middle half
Equity-€40,207below the sector's middle half▲ 15.1%-€42,867below the sector's middle half▼ 6.6%-€46,249below the sector's middle half▼ 7.9%-€50,501below the sector's middle half▼ 9.2%-€49,331below the sector's middle half▲ 2.3%
Total assets€17,615below the sector's middle half▲ 31.6%€13,867below the sector's middle half▼ 21.3%€10,325below the sector's middle half▼ 25.5%€3,882below the sector's middle half▼ 62.4%€1,843below the sector's middle half▼ 52.5%
Debt€57,823▼ 4.8%€56,734▼ 1.9%€56,574▼ 0.3%€54,383▼ 3.9%€51,174▼ 5.9%
Working capital-€40,135below the sector's middle half▲ 15.1%-€42,795below the sector's middle half▼ 6.6%-€46,177below the sector's middle half▼ 7.9%-€50,429below the sector's middle half▼ 9.2%-€49,331below the sector's middle half▲ 2.2%
Solvency-228.3%below the sector's middle half▲ 125.5pp-309.1%below the sector's middle half▼ 80.9pp-447.9%below the sector's middle half▼ 138.8pp
Current ratio0.31below the sector's middle half▲ 0.080.24below the sector's middle half▼ 0.060.18below the sector's middle half▼ 0.06
Return on assets (ROA)40.5%above the sector's middle half▲ 56.6pp-19.2%below the sector's middle half▼ 59.7pp-32.8%below the sector's middle half▼ 13.6pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1,877 after a loss of €3,846 in 2024.
Key figures and ratios
Debt ≤ 1 year
€51,174▼
2024 · €54,311
Income taxes
€390
Ratios withheld: a balance sheet total of €1,843 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,640 companies that looked in July 2024 the way this one looks now, 2.7% went bankrupt within 24 months and 92% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a profit of 5% of the balance sheet or more
2.7%
went bankrupt
4.9%
stopped otherwise
92%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.5% 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 497,662 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% | 1.7% |
| 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 75% 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 3,640 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €348 | €348 | €384 | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | €7,888 | -€1,907 | -€2,593 | -€3,459 | €2,277 | ▲ 166% |
| Operating profit (loss)9901 | €7,540 | -€2,254 | -€2,977 | -€3,846 | €1,877 | ▲ 149% |
| Financial charges65/66B | €405 | €405 | €405 | €405 | €317 | ▼ 21.9% |
| Recurring financial charges65 | €405 | €405 | €405 | €405 | €317 | ▼ 21.9% |
| Profit (loss) for the period before taxes9903 | €7,135 | -€2,659 | -€3,382 | -€4,252 | €1,561 | ▲ 137% |
| Income taxes67/77 | - | - | - | - | €390 | - |
| Profit (loss) for the period9904 | €7,135 | -€2,659 | -€3,382 | -€4,252 | €1,170 | ▲ 128% |
| Profit (loss) for the period to be appropriated9905 | €7,135 | -€2,659 | -€3,382 | -€4,252 | €1,170 | ▲ 128% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €17,615 | €13,867 | €10,325 | €3,882 | €1,843 | ▼ 52.5% |
| Current assets29/58 | €17,615 | €13,867 | €10,325 | €3,882 | €1,843 | ▼ 52.5% |
| Stocks and contracts in progress3 | €1,020 | €1,020 | €1,020 | - | - | - |
| Stocks30/36 | €1,020 | €1,020 | €1,020 | - | - | - |
| Amounts receivable within one year40/41 | €1,834 | €254 | €386 | €281 | €110 | ▼ 60.9% |
| Trade receivables40 | €1,799 | - | - | - | - | - |
| Other amounts receivable41 | €35 | €254 | €386 | €281 | €110 | ▼ 60.9% |
| Cash at bank and in hand54/58 | €14,614 | €12,405 | €8,721 | €3,403 | €1,733 | ▼ 49.1% |
| Deferred charges and accrued income490/1 | €148 | €189 | €198 | €198 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €17,615 | €13,867 | €10,325 | €3,882 | €1,843 | ▼ 52.5% |
| Equity10/15 | -€40,207 | -€42,867 | -€46,249 | -€50,501 | -€49,331 | ▲ 2.3% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€58,807 | -€61,467 | -€64,849 | -€69,101 | -€67,931 | ▲ 1.7% |
| Amounts payable17/49 | €57,823 | €56,734 | €56,574 | €54,383 | €51,174 | ▼ 5.9% |
| Amounts payable within one year42/48 | €57,751 | €56,662 | €56,502 | €54,311 | €51,174 | ▼ 5.8% |
| Trade debts44 | €1,576 | €604 | €444 | €333 | - | - |
| Suppliers440/4 | €1,576 | €604 | €444 | €333 | - | - |
| Taxes, remuneration and social security45 | - | - | - | - | €466 | - |
| Taxes450/3 | - | - | - | - | €466 | - |
| Other amounts payable47/48 | €56,175 | €56,058 | €56,058 | €53,978 | €50,708 | ▼ 6.1% |
| Accrued charges and deferred income492/3 | €72 | €72 | €72 | €72 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,135 | -€2,659 | -€3,382 | -€4,252 | €1,170 | ▲ 128% |
| Operating cash flow (approximation) | €7,135 | -€2,659 | -€3,382 | -€4,252 | €1,170 | ▲ 128% |
| Change in cash | - | -€2,209 | -€3,684 | -€5,318 | -€1,670 | ▲ 68.6% |
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
Next filing, fiscal year 2026, expected by
2026
26-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €1,170
Net result €1,170 after 3 loss-making years.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €7,135
Net result €7,135 after one loss-making year.
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €742
Net result €742 after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Thuin · 1 establishment unit since 2010
Ground area
1,642 m²
Building footprint
176 m²
Volume, LiDAR
1,278 m³
Parcel 56030B0181/00E000, Wallonia · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ProVise
since 20102.187.857.962
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56030B0181/00E000 | Wallonia | 1,642 m² | 1 · 176 m² | 9.7 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 3,960 companies in sector 43331 we hold annual accounts for 1,787. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded11-05-2010
Fiscal year end31-12
Activities, NACEBEL 2025
43331Floor and wall tiling
42110Construction of roads and motorways
42990Civil engineering
43120Site preparation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0825832363
Also
9925:BE0825832363
Registered
17-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.