PVU Consultancy
ActiveSummary
PVU Consultancy has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €2k. Equity is shrinking by ~20% per year across the filed fiscal years. Its solvency ranks better than 81% of 982 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+74
Solvency98▲+3
Growth32=
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.97 against 3.17 in 2024; short-term debt: 27.2% and cash: 49.1% of total assets), and 27.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Sector 42
higher
← 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
72.8%
Return on assets
3.9%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 03-03-2026, 58 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
58 d early
2024
33 d early
2023
35 d early
2022
68 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▲ 5.7%
2024 · €35k
2022: €58k
2023: €65k
2024: €35k
2022 → 2025
Total assets
€50k▲ 1.5%
2024 · €50k
2022: €83k
2023: €74k
2024: €50k
2022 → 2025
Net result
€2k
2024 · €-31k
2022: €56k
2023: €7k
2024: €-31k
2022 → 2025
Working capital
€13k▼ 58.9%
2024 · €32k
2022: €54k
2023: €62k
2024: €32k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€58k-€65k▲ 12.2%€35k▼ 46.9%€37k▲ 5.7%
Operating result€76k-€10k▼ 87.1%€-30k€2k
Net result€56k-€7k▼ 87.2%€-31k€2k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2k after a loss of €30k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50k
Fixed assets
€23k ▲ 924%
Current assets
€27k ▼ 42.9%
Equity and liabilities €50k
Equity
€37k ▲ 5.7%
Debt
€14k ▼ 8.1%
Debt's share of the balance-sheet total falls from 30.1% to 27.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€6k▲
2024 · €-29k
Cash flow
€6k▲
2024 · €-30k
Current ratio
1.97▼
2024 · 3.17
Debt to equity
0.37▼
2024 · 0.43
ROE
5.4%▲
2024 · -88.3%
ROA
3.9%▲
2024 · -61.7%
Interest coverage
32.89▲
2024 · -104.65
Debt ≤ 1 year
€14k▼
2024 · €15k
Income taxes
€243▲
2024 · €238
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€50k€50k▲
Fixed assets21/28€2k€23k▲
Tangible fixed assets22/27€2k€23k▲
Furniture and vehicles24€2k€23k▲
Current assets29/58€47k€27k▼
Amounts receivable within one year40/41€412€2k▲
Trade receivables40-€2k
Other amounts receivable41€412€144▼
Cash at bank and in hand54/58€47k€25k▼
Equity and liabilities
Total equity and liabilities10/49€50k€50k▲
Equity10/15€35k€37k▲
Contributions10/11€3k€3k=
Reserves13-€34k
Distributable reserves133-€34k
Profit (loss) carried forward14€32k€0▼
Amounts payable17/49€15k€14k▼
Amounts payable within one year42/48€15k€14k▼
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Advances received on contracts in progress46€5k€5k=
Taxes, remuneration and social security45€849€243▼
Taxes450/3€238€243▲
Remuneration and social security454/9€611€0▼
Other amounts payable47/48€6k€7k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€839€4k▲
Other operating charges640/8€643€860▲
Gross operating margin9900€-29k€7k▲
Operating profit (loss)9901€-30k€2k▲
Financial charges65/66B€279€192▼
Recurring financial charges65€279€192▼
Profit (loss) for the period before taxes9903€-30k€2k▲
Income taxes67/77€238€243▲
Profit (loss) for the period9904€-31k€2k▲
Profit (loss) for the period to be appropriated9905€-31k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€34k▲
Profit (loss) brought forward from the previous period14P€63k€32k▼
Transfer to equity691/2-€34k
To other reserves6921-€34k
The notes to these accounts (5 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
03-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Weakest financial yearnet €-31k ▼530%
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
26-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Liquidity triplescurrent ratio 7.98
Current ratio from 3.13 to 7.98; short-term debt falls from €25k to €9k.
21-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Scherpenheuvel-Zichem · 1 establishment unit since 2020
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.
Fonteinstraat 173270 Scherpenheuvel-ZichemGround area
917 m²
Building footprint
88 m²
Volume, LiDAR
519 m³
Parcel 24098A0037/00D003, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PVU Consultancy
since 20202.311.100.719
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24098A0037/00D003 | Flanders | 917 m² | 1 · 88 m² | 8.8 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
LIEVENS GINO
BE 0781.517.320
Mol · Eq €36,294
AF Solutions
BE 0846.554.632
Wavre · Eq €37,144
GUBA CONSULT
BE 1024.299.115
Verviers · Eq €37,243
ISM'EAU
BE 0735.910.987
Zonhoven · Eq €37,547
BODENBROEK -IMMO
BE 0664.696.854
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Of 394 companies in sector 42990 we hold annual accounts for 182. 126 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
Founded15-12-2020
Fiscal year end30-09
Activities, NACEBEL 2025
42990Civil engineering
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@pvuservices.be
Phone:0475/81.02.87