PVM AGENCIES
ActivePVM AGENCIES has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €23k and a net result of €9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 34% of 8968 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability73▼-2
Solvency61▲+13
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 1.3 in 2023; short-term debt: 63.9% and cash: 51.8% of total assets), but 63.9% 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
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
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 2024Solvency, return and age of the figures
Solvency
36.1%
Return on assets
14.2%
Age of the figures
21 mo
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
2021222324
2020 to 2024 · latest year €23k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-06-2025, 57 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
57 d early
2023
12 d early
2022
48 d early
2021
47 d early
2020
23 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€23k▲ 64.8%
2023 · €14k
2020: €8k
2021: €6k
2022: €5k
2023: €14k
2020 → 2024
Total assets
€63k▲ 6.0%
2023 · €60k
2020: €19k
2021: €19k
2022: €22k
2023: €60k
2020 → 2024
Net result
€9k▼ 0.8%
2023 · €9k
2020: €3k
2021: €-3k
2022: €-686
2023: €9k
2020 → 2024
Working capital
€23k▲ 64.8%
2023 · €14k
2020: €8k
2021: €6k
2022: €5k
2023: €14k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€8k-€6k▼ 32.9%€5k▼ 12.5%€14k▲ 188%€23k▲ 64.8%
Operating result€6k-€-2k€-406▲ 83.3%€12k€14k▲ 18.4%
Net result€3k-€-3k€-686▲ 74.6%€9k€9k▼ 0.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 18% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €63k
Equity
€23k▲ 64.8%
Debt
€40k▼ 11.7%
The debt ratio falls from 76.8% to 63.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
36.1%▲
2023 · 23.2%
Current ratio
1.57▲
2023 · 1.30
Quick ratio
1.57▲
2023 · 1.30
Debt / equity
1.77▼
2023 · 3.30
ROE
39.3%▼
2023 · 65.3%
ROA
14.2%▼
2023 · 15.2%
Debt
€40k▼
2023 · €46k
Debt ≤ 1 year
€40k▼
2023 · €46k
Income taxes
€5k▲
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€60k€63k▲
Current assets29/58€60k€63k▲
Amounts receivable within one year40/41€56k€31k▼
Trade receivables40€54k€31k▼
Other amounts receivable41€2k€14▼
Cash at bank and in hand54/58€4k€33k▲
Equity and liabilities
Total equity and liabilities10/49€60k€63k▲
Equity10/15€14k€23k▲
Contributions10/11€5k€5k=
Reserves13€9k€18k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€9k€18k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€46k€40k▼
Amounts payable within one year42/48€46k€40k▼
Trade debts44€13k€2k▼
Suppliers440/4€13k€2k▼
Taxes, remuneration and social security45€19k€15k▼
Taxes450/3€3k€6k▲
Remuneration and social security454/9€16k€8k▼
Other amounts payable47/48€14k€24k▲
Income statement
Code20232024
Other operating charges640/8€115€126▲
Gross operating margin9900€12k€14k▲
Operating profit (loss)9901€12k€14k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€98€108▲
Recurring financial charges65€98€108▲
Profit (loss) for the period before taxes9903€12k€14k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€9k€9k▼
Profit (loss) for the period to be appropriated9905€9k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€9k▲
Profit (loss) brought forward from the previous period14P€-3k€0▲
Transfer to equity691/2€6k€9k▲
To other reserves6921€6k€9k▲
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-3k ▼184%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Waregem · 1 establishment unit since 2019
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.
Sint-Jansstraat 788791 WaregemGround area
1,220 m²
Building footprint
335 m²
Volume, LiDAR
2,500 m³
Parcel 34006A0132/00A002, Flanders · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PVM AGENCIES
since 20192.291.057.747
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34006A0132/00A002 | Flanders | 1,220 m² | 1 · 335 m² | 13.2 m · 3 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 13,422 companies in sector 73300 we hold annual accounts for 6,901. 4,889 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2019
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
68321Property management for co-owned buildings (syndics)
68322Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.