PAVA Invest
ActivePAVA Invest has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €157k and a net result of €67k. Equity is growing by ~84.5% per year across the filed fiscal years. Its solvency ranks better than 19% of 7723 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▲+2
Solvency35▲+3
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.94 against 2.09 in 2024; short-term debt: 8.4% and cash: 0.3% of total assets), but 90% 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 · 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
10%
Return on assets
4.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 7723 sector peers (2025).
NBB · sector comparisonPosition among 7723 sector peers
Solvency
better than 19%
← weakest
strongest →
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 24-07-2026, 7 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
7 d early
2024
22 d late
2023
130 d early
2022
87 d early
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€157k▲ 74.3%
2024 · €90k
2022: €-27k
2023: €52k
2024: €90k
2022 → 2025
Total assets
€1.58M▲ 23.6%
2024 · €1.28M
2022: €77k
2023: €705k
2024: €1.28M
2022 → 2025
Net result
€67k▲ 75.4%
2024 · €38k
2022: €-30k
2023: €79k
2024: €38k
2022 → 2025
Working capital
€125k▲ 43.1%
2024 · €87k
2022: €60k
2023: €-19k
2024: €87k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-27k-€52k€90k▲ 73.4%€157k▲ 74.3%
Operating result€-30k-€111k€80k▼ 27.7%€116k▲ 44.4%
Net result€-30k-€79k€38k▼ 51.8%€67k▲ 75.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 44% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.58M
Fixed assets
€1.32M▲ 19.1%
Current assets
€258k▲ 53.5%
Equity and liabilities €1.58M
Equity
€157k▲ 74.3%
Debt
€1.42M▲ 19.8%
The debt ratio falls from 92.9% to 90.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€162k▲
2024 · €101k
Cash flow
€113k▲
2024 · €59k
Solvency
10.0%▲
2024 · 7.1%
Current ratio
1.94▼
2024 · 2.09
Quick ratio
1.94▼
2024 · 2.09
Debt / equity
9.01▼
2024 · 13.11
ROE
42.6%▲
2024 · 42.3%
ROA
4.3%▲
2024 · 3.0%
Interest coverage
3.44▲
2024 · 3.38
Debt
€1.42M▲
2024 · €1.19M
Debt ≤ 1 year
€133k▲
2024 · €80k
Debt > 1 year
€1.28M▲
2024 · €1.10M
Income taxes
€22k▲
2024 · €12k
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€1.28M€1.58M▲
Fixed assets21/28€1.11M€1.32M▲
Tangible fixed assets22/27€1.11M€1.32M▲
Land and buildings22€1.09M€1.30M▲
Plant, machinery and equipment23€2k€793▼
Furniture and vehicles24€18k€15k▼
Current assets29/58€168k€258k▲
Amounts receivable within one year40/41€36k€253k▲
Trade receivables40-€133k
Other amounts receivable41€36k€120k▲
Cash at bank and in hand54/58€130k€4k▼
Deferred charges and accrued income490/1€2k€204▼
Equity and liabilities
Total equity and liabilities10/49€1.28M€1.58M▲
Equity10/15€90k€157k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€87k€154k▲
Amounts payable17/49€1.19M€1.42M▲
Amounts payable after more than one year17€1.10M€1.28M▲
Financial debts170/4€1.10M€1.28M▲
Amounts payable within one year42/48€80k€133k▲
Current portion of amounts payable after more than one year42€26k€52k▲
Financial debts43-€25k
Credit institutions430/8-€25k
Trade debts44€14k€5k▼
Suppliers440/4€14k€5k▼
Advances received on contracts in progress46€10k-
Taxes, remuneration and social security45€30k€50k▲
Taxes450/3€30k€50k▲
Accrued charges and deferred income492/3-€5k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€46k▲
Other operating charges640/8€36k€21k▼
Gross operating margin9900€137k€183k▲
Operating profit (loss)9901€80k€116k▲
Financial income75/76B€3€20k▲
Recurring financial income75€3€562▲
Non-recurring financial income76B-€19k
Financial charges65/66B€30k€47k▲
Recurring financial charges65€30k€47k▲
Profit (loss) for the period before taxes9903€51k€89k▲
Income taxes67/77€12k€22k▲
Profit (loss) for the period9904€38k€67k▲
Profit (loss) for the period to be appropriated9905€38k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€87k€154k▲
Profit (loss) brought forward from the previous period14P€49k€87k▲
The notes to these accounts (9 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
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €157k ▲74.3%
3 profitable years in a row build equity to €157k.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 2.09
Current ratio from 0.60 to 2.09.
23-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €79k
Net result €79k after one loss-making year.
05-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro 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, Asse · 1 establishment unit since 2021
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.
Nerviërsstraat 931730 AsseGround area
4,317 m²
Building footprint
465 m²
Volume, LiDAR
2,222 m³
Parcel 23002F0890/00L000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Nerviërsstraat 93, 1730 Asse
since 20212.315.286.367
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23002F0890/00L000 | Flanders | 4,317 m² | 1 · 465 m² | 8.3 m · 2 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 11,221 companies in sector 82100 we hold annual accounts for 3,511. 2,547 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2021
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.