PROCIVIS
ActivePROCIVIS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90k and a net result of €40k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 74% of 13977 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency88▼-12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.61 against 3.75 in 2024; short-term debt: 37.2% and cash: 76.3% of total assets), and 37.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 68
Relative position
BE, all sectors
reference
Sector 68
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
62.8%
Return on assets
27.9%
Age of the figures
9 mo
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €90k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
9 d early
2023
43 d early
2022
30 d late
2021
13 d early
2020
11 d late
2019
31 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€90k▲ 58.5%
2024 · €57k
2018: €-8k
2019: €-8k
2020: €10k
2021: €21k
2022: €14k
2023: €27k
2024: €57k
2018 → 2025
Total assets
€143k▲ 89.2%
2024 · €76k
2018: €18k
2019: €7k
2020: €26k
2021: €32k
2022: €30k
2023: €46k
2024: €76k
2018 → 2025
Net result
€40k▲ 29.6%
2024 · €31k
2018: €-2k
2019: €-571
2020: €19k
2021: €11k
2022: €-6k
2023: €19k
2024: €31k
2018 → 2025
Working capital
€86k▲ 65.1%
2024 · €52k
2018: €-10k
2019: €-9k
2020: €6k
2021: €17k
2022: €10k
2023: €21k
2024: €52k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€14k▼ 34.1%€27k▲ 92.5%€57k▲ 112%€90k▲ 58.5%
Operating result€15k-€-6k€27k€45k▲ 69.0%€61k▲ 34.7%
Net result€11k-€-6k€19k€31k▲ 65.9%€40k▲ 29.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 35% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €143k
Fixed assets
€4k▼ 13.4%
Current assets
€139k▲ 96.2%
Equity and liabilities €143k
Equity
€90k▲ 58.5%
Debt
€53k▲ 181%
The debt ratio rises from 25.0% to 37.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€63k▲
2024 · €47k
Cash flow
€42k▲
2024 · €33k
Solvency
62.8%▼
2024 · 75.0%
Current ratio
2.61▼
2024 · 3.75
Quick ratio
2.61▼
2024 · 3.75
Debt / equity
0.59▲
2024 · 0.33
ROE
44.4%▼
2024 · 54.3%
ROA
27.9%▼
2024 · 40.7%
Interest coverage
13.65▼
2024 · 50.28
Debt
€53k▲
2024 · €19k
Debt ≤ 1 year
€53k▲
2024 · €19k
Income taxes
€17k▲
2024 · €14k
Staff costs
€62k▼
2024 · €83k
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€76k€143k▲
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€645€322▼
Furniture and vehicles24€3k€3k▼
Financial fixed assets28€750€750=
Current assets29/58€71k€139k▲
Amounts receivable within one year40/41€975€27k▲
Trade receivables40€948€27k▲
Other amounts receivable41€28-
Cash at bank and in hand54/58€67k€109k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€76k€143k▲
Equity10/15€57k€90k▲
Contributions10/11€6k€6k=
Reserves13€50k€84k▲
Distributable reserves133€50k€84k▲
Amounts payable17/49€19k€53k▲
Amounts payable within one year42/48€19k€53k▲
Trade debts44€9k€33k▲
Suppliers440/4€9k€33k▲
Taxes, remuneration and social security45€9k€20k▲
Taxes450/3€4k€7k▲
Remuneration and social security454/9€5k€13k▲
Other amounts payable47/48€2k-
Accrued charges and deferred income492/3€21€47▲
Income statement
Code20242025
Remuneration, social security and pensions62€83k€62k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€637€409▼
Gross operating margin9900€131k€125k▼
Operating profit (loss)9901€45k€61k▲
Financial income75/76B€168€93▼
Recurring financial income75€168€93▼
Financial charges65/66B€939€5k▲
Recurring financial charges65€939€5k▲
Profit (loss) for the period before taxes9903€44k€56k▲
Income taxes67/77€14k€17k▲
Profit (loss) for the period9904€31k€40k▲
Profit (loss) for the period to be appropriated9905€31k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€40k▲
Transfer from equity791/2-€7k
Transfer to equity691/2€30k€40k▲
To other reserves6921€30k€40k▲
Profit to be distributed694/7€833€7k▲
Return on contributions (dividend)694€833€7k▲
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €40k ▲29.6%
Operating result €61k, net result €40k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-6k ▼156%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
31-12
Financial
Back to profitnet €19k
Net result €19k after 2 loss-making years.
31-12
Financial
Liquidity times 5current ratio 1.40
Current ratio from 0.30 to 1.40.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Nivelles · 1 establishment unit since 2010
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.
Rue des Arts 31400 NivellesGround area
2,036 m²
Building footprint
378 m²
Volume, LiDAR
1,048 m³
2 parcels, Wallonia · tallest building 6.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PROCIVIS
since 20102.192.880.582
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25015B0346/00B000 | Wallonia | 1,036 m² | 1 · 258 m² | 6.8 m · 1 fl. |
| 25015B0323/00P002 | Wallonia | 1,000 m² | 1 · 120 m² | - |
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.
Similar companies · same sector, comparable size
BUSINESS REAL ESTATE SOLUTIONS
BE 0819.462.829
Linkebeek · Eq €90k
KAULINDUS
BE 0441.157.681
Bocholt · Eq €89k
AP Beheer
BE 0719.976.164
Antwerpen · Eq €89k
FRABOLEN
BE 0846.265.810
Ukkel · Eq €91k
Allerion
BE 0689.787.784
Haaltert · Eq €89k
Of 3,766 companies in sector 68321 we hold annual accounts for 1,390. 978 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2010
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68321Property management for co-owned buildings (syndics)
68322Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.