Equity
€139,462 ▲ 6.9%
PVM architects has made a profit without a break since 2020.
PVM architects
Lifetime
10 annual accounts with figures on one time axispeak €106,100 (2023)
€84,427▼ 13.7%
lowest -€14,835 (2016)
€9,035▼ 74.5%
peak €139,462 (2025)
€139,462▲ 6.9%
€359,760▲ 157%
Board1 name since 2015
1 directorVAN MAELE Pieterjan
Documentsfilings and deeds
24-08-202624 days late
2025micro format
Gross margin from €97,807 to €84,427Result from €35,484 to €9,035Debts from €139,753 to €359,760Investments €315,031Cash from €13,421 to €651
Key points
from the 2025 annual accountsTurnover
≈ €210,000 estimated
The micro format states no turnover.
Debts
€359,760 ▲ 157%
Debts rose by €220,008 in 2025.
Securities
€181,000
Mortgage mandates, new in 2025. 1.3 times equity · not in the 2024 accounts.
Investments
€315,031 9.3 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 323.5% higher than in 2024.
Filings
10 annual accounts 3 late
The 2024 accounts came latest: 29 days after the end of the period.
Checked score
84
Excellent
Financially stronger than 37% of micro companies in architecture and engineering (NACE 71)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 14,829 companies (NACE 71, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.7%
01-2025: 0.7%● unchanged vs 12-2024
02-2025: 0.7%● unchanged vs 01-2025
03-2025: 0.7%● unchanged vs 02-2025
04-2025: 0.7%● unchanged vs 03-2025
05-2025: 0.8%▲ +0.1 percentage points vs 04-2025
06-2025: 0.7%▼ -0.1 percentage points vs 05-2025
07-2025: 0.8%▲ +0.1 percentage points vs 06-2025
08-2025: 1.2%▲ +0.4 percentage points vs 07-2025
09-2025: 1.6%▲ +0.4 percentage points vs 08-2025highest value
10-2025: 0.1%▼ -1.5 percentage points vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026lowest value
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.3%▲ +0.2 percentage points vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 2.59, cash €651, halved
Profit of €9,035 (financial year 2025)
lowers risk
Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
Size: total assets €506,669
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 71, micro). It does better than 28% of them on solvency, 33% on liquidity, 33% on profitability and 52% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 4,107 companies had the same profile as PVM architects has now. Each dot stands for 11 companies, two years later.
97.9%
were still trading
0.9%
stopped another way
1.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of PVM architects itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 4,107 companies, not a prediction for PVM architects. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €11,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.59 (3.76 in 2024), above the usual 1.5. Short-term debt is 8.6% and cash 0.1% of total assets. However, 72.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 24 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
24 days late
2024
29 days late
2023
9 days late
2022
33 days early
2021
1 day early
2020
2 days early
2019
41 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 2 days before the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 24 August (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0600823641
Registered office moved from Roeselare to Ghent
New registered office: Sint-Martensstraat 14, 9000 Gent · Previous registered office: Hendrik Consciencestraat 41, 8800 Roeselare · Change of role: VAN MAELE Pieterjan, from manager to director · General meeting of 12-09-2023 · Gazette deed
Environmental permit granted
Slopen van niet vrijstaande gebouwen of constructies, Verwijderen van vrijstaande gebouwen · Hooglede
Incorporation
published on 11-03-2015 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PVM architects Ghent | €506,669 | €84,427 | 27.5% | - |
| durv architecten & ontwerpers Ghent | €487,854 | €95,324 | 62.8% | - |
| Architect Inge Desmet Oudenaarde | €435,501 | €87,569 | 90.2% | - |
| Michel LHONEUX Architecte Blegny | €492,090 | €79,252 | 71.1% | - |
| WAUTHIER ARCHITECTURE Braives | €486,177 | €77,388 | 32.3% | - |
| architectenassociatie ARAS Mechelen | €453,421 | €75,116 | 33.9% | - |
| 4 HERITAGE Mol | €519,426 | €72,140 | 8.7% | - |
These companies have the same main activity as PVM architects: activities of building architects (NACE 71111). They are comparable in size and age: total assets between €436,000 and €519,000, founded between 2013 and 2016.
Official details
Source: KBO- Status
- Active since 09-03-2015Normal situation
- Activity
- Activities of building architectsNACE 71111and 1 other
- Establishment unit
- 2.240.975.1628800 Roeselare, since 09-03-2015
- Financial year end
- 31 December
- Peppol
- Reachable since 24-10-2025
Insights on PVM architects
PVM architects files the micro format. That format states no turnover. The gross margin rose from €45,375 in 2016 to €84,427 in 2025.
The balance sheet grew most in 2025 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PVM architects
- What is the company number of PVM architects?
- The company number of PVM architects is 0600.823.641. The VAT number is the same number with BE in front: BE 0600.823.641.
- Where is PVM architects based?
- The registered office is at Sint-Martensstraat 14, 9000 Ghent.Company details
- What does PVM architects do?
- According to the KBO register, the main activity is activities of building architects (NACE 71111).
- What is the legal form of PVM architects?
- PVM architects is a private limited company (BV).
- When was PVM architects founded?
- PVM architects was founded on 09-03-2015.
- Is PVM architects still active?
- Yes, PVM architects is an active enterprise in the KBO register.
- What is the turnover of PVM architects?
- The turnover in financial year 2025 is ≈ €210,000. This figure is estimated from the gross margin of €84,427 and 30 comparable companies (NACE 71111). It probably lies between €160,000 and €360,000.Financials
- Is PVM architects profitable?
- In financial year 2025, PVM architects made a profit of €9,035.
- Where can I find the annual accounts of PVM architects?
- PVM architects filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PVM architects due?
- PVM architects must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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