PROVIZO
ActivePROVIZO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €446k and a net result of €43k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 17% of 479 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54=
Solvency38=
Growth39▲+4
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.0 against 1.11 in 2024; short-term debt: 87% and cash: 27.4% of total assets), and 87% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
13%
Return on assets
1.2%
Age of the figures
18 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 479 sector peers (2025).
NBB · sector comparisonPosition among 479 sector peers
Solvency
better than 17%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €446k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 23-10-2025, 8 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
8 d early
2024
21 d early
2023
12 d early
2022
3 d early
2021
3 d late
2020
30 d late
2019
21 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
€12.69M▲ 5.7%
2024 · €12.01M
2022: €15.60M
2023: €10.41M
2024: €12.01M
2022 → 2025
EBIT margin
0.5%▲ 0.1pp
2024 · 0.4%
2022: -0.1%
2023: 0.1%
2024: 0.4%
2022 → 2025
Net result
€43k▲ 3.0%
2024 · €42k
2019: €371k
2020: €-17k
2021: €14k
2022: €-26k
2023: €8k
2024: €42k
2019 → 2025
Working capital
€10k▼ 95.9%
2024 · €248k
2019: €-67k
2020: €311k
2021: €310k
2022: €259k
2023: €250k
2024: €248k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€15.60M€10.41M▼ 33.3%€12.01M▲ 15.4%€12.69M▲ 5.7%
Equity€380k-€354k▼ 6.9%€362k▲ 2.1%€403k▲ 11.5%€446k▲ 10.7%
Operating result€31k-€-21k€11k€49k▲ 337%€68k▲ 38.0%
Net result€14k-€-26k€8k€42k▲ 453%€43k▲ 3.0%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 38% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.44M
Fixed assets
€437k▲ 4.9%
Current assets
€3.01M▲ 16.4%
Equity and liabilities €3.44M
Equity
€446k▲ 10.7%
Debt
€3.00M▲ 15.5%
The debt ratio rises from 86.5% to 87.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€88k▲
2024 · €69k
Cash flow
€63k▲
2024 · €62k
Solvency
13.0%▼
2024 · 13.5%
Current ratio
1.00▼
2024 · 1.11
Quick ratio
1.00▼
2024 · 1.11
Debt / equity
6.71▲
2024 · 6.43
ROE
9.6%▼
2024 · 10.3%
ROA
1.2%▼
2024 · 1.4%
Interest coverage
13.46▲
2024 · 8.85
Debt
€3.00M▲
2024 · €2.59M
Debt ≤ 1 year
€2.99M▲
2024 · €2.33M
Debt > 1 year
€0▼
2024 · €261k
Income taxes
€18k▼
2024 · €23k
Staff costs
€339k▲
2024 · €293k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€3.00M€3.44M▲
Fixed assets21/28€416k€437k▲
Tangible fixed assets22/27€415k€436k▲
Land and buildings22€366k€358k▼
Furniture and vehicles24€21k€62k▲
Leasing and similar rights25€10k€0▼
Other tangible fixed assets26€19k€16k▼
Financial fixed assets28€863€863=
Other financial fixed assets284/8€863€863=
Shares284€500€500=
Amounts receivable and cash guarantees285/8€363€363=
Current assets29/58€2.58M€3.01M▲
Amounts receivable after more than one year29€625k-
Other amounts receivable291€625k-
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€1.87M€2.03M▲
Trade receivables40€1.70M€1.29M▼
Other amounts receivable41€170k€741k▲
Cash at bank and in hand54/58€48k€943k▲
Deferred charges and accrued income490/1€37k€34k▼
Equity and liabilities
Total equity and liabilities10/49€3.00M€3.44M▲
Equity10/15€403k€446k▲
Contributions10/11€12k€12k=
Reserves13€391k€434k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€389k€432k▲
Amounts payable17/49€2.59M€3.00M▲
Amounts payable after more than one year17€261k€0▼
Financial debts170/4€261k€0▼
Leasing and similar obligations172€0-
Credit institutions173€261k€0▼
Amounts payable within one year42/48€2.33M€2.99M▲
Current portion of amounts payable after more than one year42€33k€0▼
Trade debts44€2.25M€2.94M▲
Suppliers440/4€2.25M€2.94M▲
Taxes, remuneration and social security45€45k€51k▲
Taxes450/3€12k€14k▲
Remuneration and social security454/9€33k€37k▲
Other amounts payable47/48€2k€2k▲
Accrued charges and deferred income492/3€0€482▲
Income statement
Code20242025
Operating income70/76A€12.05M€12.72M▲
Turnover70€12.01M€12.69M▲
Other operating income74€30k€29k▼
Non-recurring operating income76A€12k€403▼
Operating charges60/66A€12.00M€12.65M▲
Goods for resale, raw materials and consumables60€11.56M€12.14M▲
Purchases600/8€11.56M€12.14M▲
Services and other goods61€122k€134k▲
Remuneration, social security and pensions62€293k€339k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€20k▼
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A-€6k
Operating profit (loss)9901€49k€68k▲
Financial income75/76B€23k€0▼
Recurring financial income75€23k€0▼
Income from current assets751€23k€0▼
Other financial income752/9€36€0▼
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Debt charges650€8k€7k▼
Other financial charges652/9€0€93▲
Profit (loss) for the period before taxes9903€64k€61k▼
Income taxes67/77€23k€18k▼
Taxes670/3€23k€18k▼
Profit (loss) for the period9904€42k€43k▲
Profit (loss) for the period to be appropriated9905€42k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€42k€43k▲
Transfer to equity691/2€42k€43k▲
To other reserves6921€42k€43k▲
Social balance
Average headcount (FTE)90875.04.5▼
The notes to these accounts (47 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
23-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
19-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
31-03
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
31-03
Financial
Weakest financial yearnet €-26k ▼289%
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 3 days late
31-03
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2019
21-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ardooie · 1 establishment unit since 2017
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Meulebeeksestraat 38 A8850 ArdooieGround area
1,740 m²
Building footprint
232 m²
Volume, LiDAR
1,267 m³
Parcel 36001C1030/00M000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Provizo
since 20172.264.648.706
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36001C1030/00M000 | Flanders | 1,740 m² | 1 · 232 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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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Of 3,625 companies in sector 01130 we hold annual accounts for 789. 612 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-05-2017
Fiscal year end31-03
Activities, NACEBEL
01130Growing of vegetables, melons, roots and tubers
35110Production of electricity from non-renewable sources
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.