PVL INVEST
ActivePVL INVEST has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €214k and a net result of €407. Equity is growing by ~31.7% per year across the filed fiscal years. Its solvency ranks better than 45% of 11257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▲+1
Solvency60▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity short (current ratio 0.53 against 0.59 in 2024; short-term debt: 31.5% and cash: 1.1% of total assets), and 64.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
26 d late
2023
1 d early
2022
17 d early
2021
3 d late
2020
176 d early
2019
22 d early
← 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 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€214k▲ 0.2%
2024 · €214k
2019: €54k
2020: €62k
2021: €69k
2022: €132k
2023: €213k
2024: €214k
2019 → 2025
Total assets
€604k▼ 8.3%
2024 · €658k
2019: €871k
2020: €749k
2021: €769k
2022: €703k
2023: €676k
2024: €658k
2019 → 2025
Net result
€407▼ 50.3%
2024 · €819
2019: €-106k
2020: €8k
2021: €7k
2022: €63k
2023: €81k
2024: €819
2019 → 2025
Working capital
€-90k▼ 31.7%
2024 · €-68k
2019: €-56k
2020: €-52k
2021: €-77k
2022: €-51k
2023: €-39k
2024: €-68k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€69k-€132k▲ 91.8%€213k▲ 61.4%€214k▲ 0.4%€214k▲ 0.2%
Operating result€36k-€91k▲ 156%€112k▲ 22.4%€23k▼ 79.8%€17k▼ 26.6%
Net result€7k-€63k▲ 811%€81k▲ 28.3%€819▼ 99.0%€407▼ 50.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 27% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €604k
Fixed assets
€503k▼ 9.8%
Current assets
€100k▲ 0.1%
Equity and liabilities €604k
Equity
€214k▲ 0.2%
Debt
€390k▼ 12.3%
The debt ratio falls from 67.5% to 64.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€71k▼
2024 · €87k
Cash flow
€55k▼
2024 · €65k
Solvency
35.4%▲
2024 · 32.5%
Current ratio
0.53▼
2024 · 0.59
Quick ratio
0.19▲
2024 · 0.17
Debt / equity
1.82▼
2024 · 2.08
ROE
0.2%▼
2024 · 0.4%
ROA
0.1%▼
2024 · 0.1%
Interest coverage
4.08▲
2024 · 3.91
Debt
€390k▼
2024 · €444k
Debt ≤ 1 year
€190k▲
2024 · €169k
Debt > 1 year
€177k▼
2024 · €260k
Income taxes
€0▼
2024 · €413
Staff costs
€42k▼
2024 · €58k
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€658k€604k▼
Fixed assets21/28€558k€503k▼
Tangible fixed assets22/27€558k€503k▼
Land and buildings22€483k€437k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€72k€65k▼
Current assets29/58€100k€100k▲
Stocks and contracts in progress3€72k€65k▼
Stocks30/36€72k€65k▼
Amounts receivable within one year40/41€21k€17k▼
Trade receivables40€8k€476▼
Other amounts receivable41€12k€17k▲
Cash at bank and in hand54/58-€7k
Deferred charges and accrued income490/1€7k€11k▲
Equity and liabilities
Total equity and liabilities10/49€658k€604k▼
Equity10/15€214k€214k▲
Contributions10/11€50k€50k=
Reserves13€152k€152k=
Distributable reserves133€152k€152k=
Profit (loss) carried forward14€12k€12k▲
Amounts payable17/49€444k€390k▼
Amounts payable after more than one year17€260k€177k▼
Financial debts170/4€260k€177k▼
Amounts payable within one year42/48€169k€190k▲
Current portion of amounts payable after more than one year42€85k€82k▼
Financial debts43€7k€4k▼
Credit institutions430/8€7k€4k▼
Trade debts44€64k€72k▲
Suppliers440/4€64k€72k▲
Taxes, remuneration and social security45€12k€17k▲
Taxes450/3€9k€13k▲
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48-€14k
Accrued charges and deferred income492/3€16k€22k▲
Income statement
Code20242025
Remuneration, social security and pensions62€58k€42k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€64k€54k▼
Other operating charges640/8€13k€6k▼
Gross operating margin9900€158k€119k▼
Operating profit (loss)9901€23k€17k▼
Financial income75/76B€861€1k▲
Recurring financial income75€861€1k▲
Financial charges65/66B€22k€17k▼
Recurring financial charges65€22k€17k▼
Profit (loss) for the period before taxes9903€1k€407▼
Income taxes67/77€413€0▼
Profit (loss) for the period9904€819€407▼
Profit (loss) for the period to be appropriated9905€819€407▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€12k▲
Profit (loss) brought forward from the previous period14P€7k€12k▲
Transfer from equity791/2€5k-
Transfer to equity691/2€819-
To other reserves6921€819-
The notes to these accounts (8 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
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
26-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Highest result since 2019net €81k ▲28.3%
Operating result €112k, net result €81k, both a record.
31-03
Financial
Equity above €200kEq €213k ▲61.4%
4 profitable years in a row build equity to €213k.
2022
14-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Equity above €100kEq €132k ▲91.8%
3 profitable years in a row build equity to €132k.
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2020
08-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
27-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2017
28-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
29-09
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
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, Leuven · 1 establishment unit since 2020
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.
Mechelsestraat 203000 LeuvenGround area
298 m²
Building footprint
290 m²
Volume, LiDAR
3,639 m³
2 parcels, Flanders · tallest building 19.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Blue x Frizzante
since 20202.306.245.472
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24062A0579/00L000 | Flanders | 216 m² | 1 · 208 m² | 17.4 m · 5 fl. |
| 24502B0790/00S000 | Flanders | 82 m² | 1 · 82 m² | 19.0 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
DEWEER
BE 0884.706.019
Deerlijk · Eq €214k
CFLVM
BE 0748.659.163
Kraainem · Eq €216k
CURITAS
BE 0447.461.889
Roeselare · Eq €209k
CASDEUX
BE 0674.414.472
Ardooie · Eq €209k
TOTSPOT
BE 0538.679.305
Oudsbergen · Eq €208k
Of 1,276 companies in sector 46160 we hold annual accounts for 686. 494 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-2007
Fiscal year end31-03
Activities, NACEBEL
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47715Retail trade
74142
47711Retail sale of women's outerwear
47721Retail sale of footwear
56309Food and beverage service activities
68310Real estate agency activities
68311Real estate activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.