Pavio
ActiveSummary
Pavio has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €505k and a net result of €80k. Equity is growing by ~22.8% per year across the filed fiscal years. Its solvency ranks better than 77% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-7
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 3.75 against 3.03 in 2024; short-term debt: 14.9% and cash: 42.8% of total assets), and 19.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
80.5%
Return on assets
12.7%
Age of the figures
9 mo
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
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 30-07-2026, 1 day ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
1 d early
2024
13 d early
2023
on the day
2022
6 d early
2021
14 d early
2020
2 d early
2019
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€505k▲ 18.3%
2024 · €427k
2019: €114k
2020: €188k
2021: €238k
2022: €276k
2023: €324k
2024: €427k
2019 → 2025
Total assets
€628k▲ 11.6%
2024 · €563k
2019: €271k
2020: €329k
2021: €332k
2022: €306k
2023: €479k
2024: €563k
2019 → 2025
Net result
€80k▼ 23.6%
2024 · €104k
2019: €94k
2020: €74k
2021: €50k
2022: €38k
2023: €72k
2024: €104k
2019 → 2025
Working capital
€256k▲ 32.3%
2024 · €194k
2019: €-28k
2020: €15k
2021: €42k
2022: €61k
2023: €81k
2024: €194k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€238k-€276k▲ 15.8%€324k▲ 17.7%€427k▲ 31.7%€505k▲ 18.3%
Operating result€72k-€78k▲ 7.8%€101k▲ 30.3%€153k▲ 51.4%€103k▼ 33.0%
Net result€50k-€38k▼ 25.1%€72k▲ 92.1%€104k▲ 44.7%€80k▼ 23.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €628k
Fixed assets
€278k ▲ 1.7%
Current assets
€349k ▲ 21.0%
Equity and liabilities €628k
Equity
€505k ▲ 18.3%
Debt
€123k ▼ 9.6%
Debt's share of the balance-sheet total falls from 24.1% to 19.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€141k▼
2024 · €199k
Cash flow
€118k▼
2024 · €150k
Current ratio
3.75▲
2024 · 3.03
Debt to equity
0.24▼
2024 · 0.32
ROE
15.8%▼
2024 · 24.5%
ROA
12.7%▼
2024 · 18.6%
Interest coverage
45.58▼
2024 · 52.98
Debt ≤ 1 year
€93k▼
2024 · €95k
Debt > 1 year
€28k▼
2024 · €38k
Income taxes
€22k▼
2024 · €46k
Staff costs
€0
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€563k€628k▲
Fixed assets21/28€274k€278k▲
Tangible fixed assets22/27€274k€278k▲
Land and buildings22€208k€201k▼
Plant, machinery and equipment23€12k€15k▲
Furniture and vehicles24€54k€63k▲
Current assets29/58€289k€349k▲
Amounts receivable within one year40/41€87k€79k▼
Trade receivables40€87k€73k▼
Other amounts receivable41-€6k
Cash at bank and in hand54/58€201k€269k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€563k€628k▲
Equity10/15€427k€505k▲
Contributions10/11€20k€20k=
Reserves13€407k€485k▲
Distributable reserves133€407k€485k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€136k€123k▼
Amounts payable after more than one year17€38k€28k▼
Financial debts170/4€38k€28k▼
Amounts payable within one year42/48€95k€93k▼
Current portion of amounts payable after more than one year42€20k€23k▲
Trade debts44€10k€12k▲
Suppliers440/4€10k€12k▲
Taxes, remuneration and social security45€43k€40k▼
Taxes450/3€39k€40k▲
Remuneration and social security454/9€4k€0▼
Other amounts payable47/48€23k€18k▼
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€0
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€38k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€201k€142k▼
Operating profit (loss)9901€153k€103k▼
Financial income75/76B€912€2k▲
Recurring financial income75€912€2k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€151k€102k▼
Income taxes67/77€46k€22k▼
Profit (loss) for the period9904€104k€80k▼
Profit (loss) for the period to be appropriated9905€104k€80k▼
Appropriation of the result
Profit (loss) to be appropriated9906€104k€80k▼
Transfer from equity791/2€2k€0▼
Transfer to equity691/2€104k€78k▼
To other reserves6921€104k€78k▼
Profit to be distributed694/7€2k€2k=
Return on contributions (dividend)694€2k€2k=
The notes to these accounts (6 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €500kEq €505k ▲18.3%
7 profitable years in a row build equity to €505k.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €104k ▲44.7%
Operating result €153k, net result €104k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €38k ▼25.1%
Net result drops to €38k, the lowest in the series; recovery starts the following year.
17-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €200kEq €238k ▲26.7%
3 profitable years in a row build equity to €238k.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Liquidity doublescurrent ratio 1.21
Current ratio from 0.54 to 1.21.
30-06
Financial
Equity above €150kEq €188k ▲65.4%
2 profitable years in a row build equity to €188k.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Deinze · 1 establishment unit since 2018
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.
Oossekouter 369850 DeinzeGround area
880 m²
Building footprint
208 m²
Volume, LiDAR
899 m³
Parcel 44049B0119/00Z000, Flanders · tallest building 8.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Pavio
since 20182.273.164.019
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44049B0119/00Z000 | Flanders | 880 m² | 1 · 208 m² | 8.1 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 574 EUR awarded · 574 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 150 EUR | 150 EUR |
| 2023 | 1 | 424 EUR | 424 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Care and welfare
1 servicePavio Curly's
Legal Entity Identifier
648800LNF3DJCZH5J656
Similar companies · same sector, comparable size
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ADVIES EN REORGANISATIE BUREAU
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Passer
BE 0862.579.725
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Feniks Investment Consultancy
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 34,545 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2018
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
66199Other activities auxiliary to financial services, excluding insurance and pension funding
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.