Provum
ActiveSummary
Provum has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €53k. Equity is shrinking by ~18.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 75% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency90▲+90
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.84; short-term debt: 35.2% and cash: 93.8% of total assets), and 35.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
64.8%
Return on assets
134.7%
Age of the figures
9 mo
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 13-07-2026, 18 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
18 d early
2024
6 d early
2023
29 d early
2022
20 d early
2021
34 d early
2020
44 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€25k
2024 · €-27k
2020: €193khighest in 6 years
2021: €189k▼ -2.5% vs 2020
2022: €185k▼ -1.7% vs 2021
2023: €183k▼ -1.5% vs 2022
2024: €-27k▼ -115% vs 2023lowest in 6 years
2025: €25k▲ +193% vs 2024
2020 → 2025
Total assets
€39k▲ 4,074%
2024 · €936
2020: €193k
2021: €189k▼ -2.3% vs 2020
2022: €203k▲ +7.4% vs 2021
2023: €205k▲ +0.8% vs 2022highest in 6 years
2024: €936▼ -99.5% vs 2023lowest in 6 years
2025: €39k▲ +4074% vs 2024
2020 → 2025
Net result
€53k
2024 · €-210k
2020: €-7k
2021: €-5k▲ +26.4% vs 2020
2022: €-3k▲ +32.9% vs 2021
2023: €-3k▲ +17.4% vs 2022
2024: €-210k▼ -7693% vs 2023lowest in 6 years
2025: €53k▲ +125% vs 2024highest in 6 years
2020 → 2025
Working capital
€25k
2024 · €-27k
2020: €190khighest in 6 years
2021: €187k▼ -1.6% vs 2020
2022: €185k▼ -1.1% vs 2021
2023: €183k▼ -1.5% vs 2022
2024: €-27k▼ -115% vs 2023lowest in 6 years
2025: €25k▲ +193% vs 2024
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€189k-€185k▼ 1.7%€183k▼ 1.5%€-27k€25k
2021: €189khighest in 5 years
2022: €185k▼ -1.7% vs 2021
2023: €183k▼ -1.5% vs 2022
2024: €-27k▼ -115% vs 2023lowest in 5 years
2025: €25k▲ +193% vs 2024
Operating result€-5k-€-3k▲ 33.8%€-3k▲ 18.5%€-210k▼ 8,002%€53k
2021: €-5k
2022: €-3k▲ +33.8% vs 2021
2023: €-3k▲ +18.5% vs 2022
2024: €-210k▼ -8002% vs 2023lowest in 5 years
2025: €53k▲ +125% vs 2024highest in 5 years
Net result€-5k-€-3k▲ 32.9%€-3k▲ 17.4%€-210k▼ 7,693%€53k
2021: €-5k
2022: €-3k▲ +32.9% vs 2021
2023: €-3k▲ +17.4% vs 2022
2024: €-210k▼ -7693% vs 2023lowest in 5 years
2025: €53k▲ +125% vs 2024highest in 5 years
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: €53k after a loss of €210k in 2024, the highest result in the available series.
Balance-sheet composition
Equity and liabilities €39k
Equity
€25k
Debt
€14k
Debt finances 35.2% of the balance-sheet total.
Key figures and ratios
Current ratio
2.84
Debt to equity
0.54
ROE
207.9%
ROA
134.7%
Debt ≤ 1 year
€14k▼
2024 · €28k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€936€39k▲
Current assets29/58€936€39k▲
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€699€2k▲
Trade receivables40€281€2k▲
Other amounts receivable41€418€0▼
Cash at bank and in hand54/58€237€37k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€936€39k▲
Equity10/15€-27k€25k▲
Contributions10/11€200k€200k=
Profit (loss) carried forward14€-227k€-175k▲
Amounts payable17/49€28k€14k▼
Amounts payable within one year42/48€28k€14k▼
Trade debts44€1k€305▼
Suppliers440/4€1k€305▼
Taxes, remuneration and social security45-€3k
Taxes450/3-€3k
Other amounts payable47/48€27k€10k▼
Income statement
Code20242025
Non-recurring operating income76A-€23k
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€208k€-208k▼
Other operating charges640/8€513€208k▲
Gross operating margin9900€-2k€53k▲
Operating profit (loss)9901€-210k€53k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€104€90▼
Recurring financial charges65€104€90▼
Profit (loss) for the period before taxes9903€-210k€53k▲
Profit (loss) for the period9904€-210k€53k▲
Profit (loss) for the period to be appropriated9905€-210k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-227k€-175k▲
Profit (loss) brought forward from the previous period14P€-17k€-227k▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €23k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €1k | €0 | - | - | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €208k | €-208k | ▼ 200% |
| Other operating charges640/8 | €514 | €460 | €499 | €513 | €208k | ▲ 40,427% |
| Gross operating margin9900 | €-2k | €-2k | €-2k | €-2k | €53k | ▲ 3,124% |
| Operating profit (loss)9901 | €-5k | €-3k | €-3k | €-210k | €53k | ▲ 125% |
| Financial income75/76B | - | - | €0 | €0 | - | - |
| Recurring financial income75 | - | - | €0 | €0 | - | - |
| Financial charges65/66B | €61 | €85 | €104 | €104 | €90 | ▼ 13.8% |
| Recurring financial charges65 | €61 | €85 | €104 | €104 | €90 | ▼ 13.8% |
| Profit (loss) for the period before taxes9903 | €-5k | €-3k | €-3k | €-210k | €53k | ▲ 125% |
| Profit (loss) for the period9904 | €-5k | €-3k | €-3k | €-210k | €53k | ▲ 125% |
| Profit (loss) for the period to be appropriated9905 | €-5k | €-3k | €-3k | €-210k | €53k | ▲ 125% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €189k | €203k | €205k | €936 | €39k | ▲ 4,074% |
| Formation expenses20 | €1k | €0 | - | - | - | - |
| Current assets29/58 | €188k | €203k | €205k | €936 | €39k | ▲ 4,074% |
| Stocks and contracts in progress3 | €178k | €198k | €202k | €0 | - | - |
| Stocks30/36 | €178k | €198k | €202k | €0 | - | - |
| Amounts receivable within one year40/41 | €378 | €3k | €371 | €699 | €2k | ▲ 246% |
| Trade receivables40 | - | - | - | €281 | €2k | ▲ 762% |
| Other amounts receivable41 | €378 | €3k | €371 | €418 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €9k | €2k | €2k | €237 | €37k | ▲ 15,386% |
| Deferred charges and accrued income490/1 | €199 | €235 | €265 | €0 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €189k | €203k | €205k | €936 | €39k | ▲ 4,074% |
| Equity10/15 | €189k | €185k | €183k | €-27k | €25k | ▲ 193% |
| Contributions10/11 | €200k | €200k | €200k | €200k | €200k | = |
| Profit (loss) carried forward14 | €-11k | €-15k | €-17k | €-227k | €-175k | ▲ 23.1% |
| Amounts payable17/49 | €533 | €18k | €22k | €28k | €14k | ▼ 51.4% |
| Amounts payable within one year42/48 | €478 | €18k | €22k | €28k | €14k | ▼ 51.4% |
| Trade debts44 | €478 | €0 | €290 | €1k | €305 | ▼ 73.6% |
| Suppliers440/4 | €478 | €0 | €290 | €1k | €305 | ▼ 73.6% |
| Taxes, remuneration and social security45 | - | - | - | - | €3k | - |
| Taxes450/3 | - | - | - | - | €3k | - |
| Other amounts payable47/48 | - | €18k | €22k | €27k | €10k | ▼ 63.1% |
| Accrued charges and deferred income492/3 | €55 | €0 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-5k | €-3k | €-3k | €-210k | €53k | ▲ 125% |
| + Depreciation and write-downs630 | €2k | €1k | €0 | - | - | - |
| Operating cash flow (approximation) | €-3k | €-2k | €-3k | €-210k | €53k | ▲ 125% |
| Change in cash | - | €-7k | €138 | €-2k | €36k | ▲ 2,342% |
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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €53k
Net result €53k after 5 loss-making years.
31-12
Financial
Liquidity times 86current ratio 2.84
Current ratio from 0.03 to 2.84; short-term debt falls from €28k to €14k.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-210k
Net result drops to €-210k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Tielt · 1 establishment unit since 2019
Ground area
1,732 m²
Building footprint
213 m²
Volume, LiDAR
836 m³
Parcel 37013C0249/00E000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Provum
since 20192.292.446.035
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37013C0249/00E000 | Flanders | 1,732 m² | 1 · 213 m² | 7.1 m · 2 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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Of 9,693 companies in sector 68121 we hold annual accounts for 7,385. 4,329 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-08-2019
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
68122Development of non-residential building projects
Scores and ratios are computed by Checked and are not a credit decision.