PROVIDENS

Active

Private limited companyfounded 199828 yrs activeRue Fontaine Saint-Lambert (BO) 14, 4520 Wanze, BelgiumKBO/BCE: BE 0464.089.867

PROVIDENS has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €400k and a net result of €-3k. Equity is growing by ~23% per year across the filed fiscal years. Its solvency ranks better than 65% of 161 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2024

70 / 100

Healthy▼ -30 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0▼-100

Solvency97=

Growth52▼-26

Stability100

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €30k at 30 days acceptable

Liquidity ample (current ratio 2.23 against 2.72 in 2023), and 45.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 32

Relative position

BE, all sectors

reference

Sector 32

lower

← fewer bankruptcies more bankruptcies →

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 2024

Solvency, return and age of the figures

Solvency

54.9%

Return on assets

-0.4%

Age of the figures

20 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

34 d early

2023

37 d early

2022

40 d early

2021

34 d early

2020

33 d early

2019

36 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€-3k

2023 · €84k

2018: €20k 2019: €18k 2020: €14k 2021: €71k 2022: €83k 2023: €84k

2018 → 2024

Working capital

€169k▼ 14.0%

2023 · €196k

2018: €2k 2019: €8k 2020: €14k 2021: €45k 2022: €122k 2023: €196k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€164k-€236k▲ 43.2%€319k▲ 35.2%€403k▲ 26.5%€400k▼ 0.6%

Operating result€29k-€100k▲ 241%€114k▲ 14.2%€127k▲ 12.0%€4k▼ 97.0%

Net result€14k-€71k▲ 404%€83k▲ 16.7%€84k▲ 1.6%€-3k

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 97% below 2023 and is the lowest year so far.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €729k

58.0%

42.0%

Fixed assets €423k▼ 2.5%

Current assets €306k▼ 1.5%

Equity and liabilities €729k

54.9%

45.1%

Equity €400k▼ 0.6%

Debt €329k▼ 3.7%

The debt ratio falls from 45.9% to 45.1%: debt falls faster than equity shrinks.

Key figures and ratios

2024 value · change against 2023

EBITDA

€47k▼

2023 · €168k

Cash flow

€41k▼

2023 · €125k

Solvency

54.9%▲

2023 · 54.1%

Current ratio

2.23▼

2023 · 2.72

Quick ratio

2.23▼

2023 · 2.72

Debt / equity

0.82▼

2023 · 0.85

ROE

-0.7%▼

2023 · 20.9%

ROA

-0.4%▼

2023 · 11.3%

Interest coverage

5.88▼

2023 · 22.99

Debt

€329k▼

2023 · €341k

Debt ≤ 1 year

€137k▲

2023 · €114k

Debt > 1 year

€191k▼

2023 · €227k

Income taxes

€-551▼

2023 · €36k

Staff costs

€226k▲

2023 · €201k

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€744k€729k▼

Fixed assets21/28€433k€423k▼

Tangible fixed assets22/27€433k€423k▼

Land and buildings22€372k€345k▼

Plant, machinery and equipment23€22k€47k▲

Other tangible fixed assets26€39k€31k▼

Financial fixed assets28€74€0▼

Current assets29/58€311k€306k▼

Amounts receivable after more than one year29€29k€29k=

Other amounts receivable291€29k€29k=

Amounts receivable within one year40/41€157k€157k▼

Trade receivables40€150k€147k▼

Other amounts receivable41€7k€10k▲

Cash at bank and in hand54/58€119k€113k▼

Deferred charges and accrued income490/1€5k€6k▲

Equity and liabilities

Total equity and liabilities10/49€744k€729k▼

Equity10/15€403k€400k▼

Contributions10/11€20k€20k=

Reserves13€84k€84k=

Distributable reserves133€84k€84k=

Profit (loss) carried forward14€298k€295k▼

Amounts payable17/49€341k€329k▼

Amounts payable after more than one year17€227k€191k▼

Financial debts170/4€227k€191k▼

Amounts payable within one year42/48€114k€137k▲

Current portion of amounts payable after more than one year42€39k€45k▲

Financial debts43-€1k

Credit institutions430/8-€1k

Trade debts44€19k€40k▲

Suppliers440/4€19k€40k▲

Taxes, remuneration and social security45€36k€36k=

Taxes450/3€10k€9k▼

Remuneration and social security454/9€26k€27k▲

Other amounts payable47/48€21k€15k▼

Accrued charges and deferred income492/3€43€51▲

Income statement Code20232024

Remuneration, social security and pensions62€201k€226k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€43k▲

Other operating charges640/8€6k€4k▼

Gross operating margin9900€375k€277k▼

Operating profit (loss)9901€127k€4k▼

Financial income75/76B€34€1k▲

Recurring financial income75€34€1k▲

Financial charges65/66B€7k€8k▲

Recurring financial charges65€7k€8k▲

Profit (loss) for the period before taxes9903€120k€-3k▼

Income taxes67/77€36k€-551▼

Profit (loss) for the period9904€84k€-3k▼

Profit (loss) for the period to be appropriated9905€84k€-3k▼

Appropriation of the result

Profit (loss) to be appropriated9906€382k€295k▼

Profit (loss) brought forward from the previous period14P€298k€298k=

Transfer to equity691/2€84k-

To other reserves6921€84k-

Social balance

Average headcount (FTE)90874.05.0▲

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 14Financial 4Filings 10

2025

27-06

NBB filing Annual accounts filed

fiscal year 2024 · full schema

2024

31-12

Financial Weakest financial yearnet €-3k ▼103%

Net result drops to €-3k, the lowest in the series.

24-06

NBB filing Annual accounts filed

fiscal year 2023 · full schema

2023

31-12

Financial Highest result since 2018net €84k ▲1.6%

Operating result €127k, net result €84k, both a record.

21-06

NBB filing Annual accounts filed

fiscal year 2022 · full schema

2022

27-06

NBB filing Annual accounts filed

fiscal year 2021 · full schema

2021

31-12

Financial Equity above €200kEq €236k ▲43.2%

4 profitable years in a row build equity to €236k.

28-06

NBB filing Annual accounts filed

fiscal year 2020 · full schema

2020

25-06

NBB filing Annual accounts filed

fiscal year 2019 · full schema

2019

31-12

Financial Equity above €150kEq €150k ▲13.7%

2 profitable years in a row build equity to €150k.

19-07

NBB filing Annual accounts filed

fiscal year 2018 · full schema

2018

22-06

NBB filing Annual accounts filed

fiscal year 2017 · full schema

2017

01-12

NBB filing Annual accounts filed

fiscal year 2016 · full schema · 123 days late

2016

30-08

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 30 days late

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, Wanze · 1 establishment unit since 1998

establishment The establishment unit on the map

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 Fontaine Saint-Lambert (BO) 144520 Wanze

Ground area

1,583 m²

Building footprint

215 m²

Volume, LiDAR

1,194 m³

Parcel 61006B0104/00H000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

PROVIDENS

Rue Fontaine Saint-Lambert (BO) 14, 4520 WanzeNACE 33103

since 19982.088.762.366

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
61006B0104/00H000	Wallonia	1,583 m²	1 · 215 m²	7.4 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.

Similar companies · same sector, comparable size

CUSTOM SMILE DESIGN & CONSULTANCY

BE 0712.645.241

Beveren-Kruibeke-Zwijndrecht · Eq €401k

Of 1,244 companies in sector 32500 we hold annual accounts for 691. 505 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded07-09-1998

Fiscal year end31-12

Activities, NACEBEL

32500Manufacture of medical and dental instruments and supplies

Sources

Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.