PROVYN-VAN MAELE
ActivePROVYN-VAN MAELE has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €261k and a net result of €75k. Equity is growing by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 15% of 84 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2026
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability76▲+29
Solvency45▲+5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity short (current ratio 0.88 against 0.74 in 2025; short-term debt: 25.5% and cash: 14.3% of total assets), and 79.5% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
20.5%
Return on assets
5.9%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 84 sector peers (2026).
NBB · sector comparisonPosition among 84 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 18-08-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
13 d early
2025
17 d early
2024
30 d late
2023
19 d late
2022
33 d early
2021
52 d late
2020
52 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€261k▲ 40.2%
2025 · €186k
2019: €69k
2020: €88k
2021: €110k
2022: €111k
2023: €170k
2024: €190k
2025: €186k
2019 → 2026
Total assets
€1.28M▲ 0.7%
2025 · €1.27M
2019: €1.52M
2020: €1.50M
2021: €1.58M
2022: €1.56M
2023: €1.49M
2024: €1.49M
2025: €1.27M
2019 → 2026
Net result
€75k▲ 322%
2025 · €18k
2019: €23k
2020: €21k
2021: €22k
2022: €937
2023: €59k
2024: €20k
2025: €18k
2019 → 2026
Working capital
€-38k▲ 57.3%
2025 · €-89k
2019: €-68k
2020: €203k
2021: €173k
2022: €31k
2023: €-60k
2024: €-55k
2025: €-89k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€111k-€170k▲ 53.1%€190k▲ 11.6%€186k▼ 1.7%€261k▲ 40.2%
Operating result€23k-€100k▲ 329%€53k▼ 46.9%€74k▲ 39.6%€110k▲ 47.5%
Net result€937-€59k▲ 6,188%€20k▼ 66.7%€18k▼ 9.6%€75k▲ 322%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2024 the operating result has climbed two years in a row; 2026 is 47% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €1.28M
Fixed assets
€989k▼ 3.1%
Current assets
€288k▲ 16.4%
Equity and liabilities €1.28M
Equity
€261k▲ 40.2%
Debt
€1.02M▼ 6.1%
The debt ratio falls from 85.3% to 79.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€177k▲
2025 · €148k
Cash flow
€142k▲
2025 · €92k
Solvency
20.5%▲
2025 · 14.7%
Current ratio
0.88▲
2025 · 0.74
Quick ratio
0.66▲
2025 · 0.48
Debt / equity
3.89▼
2025 · 5.80
ROE
28.6%▲
2025 · 9.5%
ROA
5.9%▲
2025 · 1.4%
Interest coverage
7.74▲
2025 · 3.13
Debt
€1.02M▼
2025 · €1.08M
Debt ≤ 1 year
€326k▼
2025 · €336k
Debt > 1 year
€676k▼
2025 · €745k
Income taxes
€32k▲
2025 · €13k
Staff costs
€473k▼
2025 · €619k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€1.27M€1.28M▲
Fixed assets21/28€1.02M€989k▼
Tangible fixed assets22/27€1.01M€978k▼
Land and buildings22€913k€893k▼
Plant, machinery and equipment23€83k€79k▼
Furniture and vehicles24€13k€6k▼
Financial fixed assets28€11k€11k=
Current assets29/58€248k€288k▲
Stocks and contracts in progress3€86k€72k▼
Contracts in progress37€86k€72k▼
Amounts receivable within one year40/41€64k€21k▼
Trade receivables40€49k€2k▼
Other amounts receivable41€14k€19k▲
Cash at bank and in hand54/58€87k€183k▲
Deferred charges and accrued income490/1€11k€12k▲
Equity and liabilities
Total equity and liabilities10/49€1.27M€1.28M▲
Equity10/15€186k€261k▲
Contributions10/11€40k€40k=
Reserves13€146k€221k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€142k€217k▲
Amounts payable17/49€1.08M€1.02M▼
Amounts payable after more than one year17€745k€676k▼
Financial debts170/4€745k€676k▼
Amounts payable within one year42/48€336k€326k▼
Current portion of amounts payable after more than one year42€87k€70k▼
Trade debts44€193k€238k▲
Suppliers440/4€193k€238k▲
Taxes, remuneration and social security45€33k€14k▼
Taxes450/3€18k€189▼
Remuneration and social security454/9€15k€13k▼
Other amounts payable47/48€23k€4k▼
Accrued charges and deferred income492/3-€14k
Income statement
Code20252026
Remuneration, social security and pensions62€619k€473k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€74k€68k▼
Other operating charges640/8€10k€13k▲
Gross operating margin9900€778k€663k▼
Operating profit (loss)9901€74k€110k▲
Financial income75/76B€3k€20k▲
Recurring financial income75€3k€2k▼
Non-recurring financial income76B-€18k
Financial charges65/66B€47k€23k▼
Recurring financial charges65€47k€23k▼
Profit (loss) for the period before taxes9903€31k€106k▲
Transfer from deferred taxes780€619-
Income taxes67/77€13k€32k▲
Profit (loss) for the period9904€18k€75k▲
Transfer from tax-exempt reserves789€2k-
Profit (loss) for the period to be appropriated9905€20k€75k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€75k▲
Transfer from equity791/2€21k-
Transfer to equity691/2€20k€75k▲
To other reserves6921€20k€75k▲
Profit to be distributed694/7€21k-
Return on contributions (dividend)694€21k-
Social balance
Average headcount (FTE)90879.87.1▼
The notes to these accounts (15 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 2027, expected by
2026
18-08
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
31-01
Financial
Highest result since 2019net €75k ▲322%
Operating result €110k, net result €75k, both a record.
31-01
Financial
Equity above €200kEq €261k ▲40.2%
8 profitable years in a row build equity to €261k.
2025
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2023
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 19 days late
31-01
Financial
Equity above €150kEq €170k ▲53.1%
5 profitable years in a row build equity to €170k.
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-01
Financial
Weakest financial yearnet €937 ▼95.8%
Net result drops to €937, the lowest in the series; recovery starts the following year.
2021
22-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 52 days late
31-01
Financial
Equity above €100kEq €110k ▲25.1%
3 profitable years in a row build equity to €110k.
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
11-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2016
22-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Wingene · 1 establishment unit since 2007
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.
Eekhoutstraat 518755 WingeneGround area
2,238 m²
Building footprint
1,126 m²
Parcel 37012D0694/00A000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
Provyn - Van Maele
since 20072.162.743.573
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37012D0694/00A000 | Flanders | 2,238 m² | 1 · 1,126 m² | 0.1 m |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 237 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 237 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
3 categoriesPROVYN-VAN MAELE BV#10203
PROVYN-VAN MAELE BV44794
Dual-learning approval
4 live approvalsMedewerker ruwbouw (vwo)
Medewerker ruwbouw duaal (so)
Metselaar (vwo)
Ruwbouw duaal (so)
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Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 11,370 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2007
Fiscal year end31-01
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.