Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 3 of the last 4 fiscal years.
-
Tight liquidity NBB
Cash and receivables cover 36 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
PVG Insperience from Stekene, company number BE0686811765, closed financial year 2025 with a result of € 4,349 after tax. For that financial year PVG Insperience recorded a gross margin of € 97,995 and equity of € -13,710. Compared with financial year 2024, the result moved from € -7,902 to € 4,349. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 23, 2026.
€ -13,710
▲ € 4,349 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 4,349
▲ still € 7,902 loss in 2024
Profit after tax over the fiscal year.
€ 300
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -32,310.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 87,776
▼ 13% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 3,975
▼ 12% vs 2024
Loans from banks and other lenders, long and short.
€ 340
▼ 64% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 15,829
▼ 8% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 96,585 | € 84,042 | € 97,724 | € 97,995 | |
| Profit after taxes | € -5,711 | € -25,745 | € -7,902 | € 4,349 | ▲ € 12,251 |
| Equity | € 3,187 | € -10,157 | € -18,059 | € -13,710 | ▲ € 4,349 |
| Total debts | € 21,464 | € 28,566 | € 35,190 | € 25,606 | ▼ 27% |
| Cash | € 0 | € 300 | € 300 | € 300 | |
| Retained profit | € -3,013 | € -28,757 | € -36,659 | € -32,310 | ▲ € 4,349 |
| Bank debt | € 4,641 | € 4,394 | € 4,531 | € 3,975 | ▼ 12% |
| Balance sheet total | € 24,652 | € 18,409 | € 17,131 | € 11,896 | ▼ 31% |
Key figures of PVG Insperience, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to PVG Insperience?
What happened at PVG Insperience in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 4,349. Source: NBB ↗
- New establishment in Lokeren. KBO
- New establishment in Stekene. KBO
- Start of the company according to the CBE. KBO
- Petra Gabriëlla P Van Gucht became a director. NBB
In short
From € 5,711 loss in 2022 to € 4,349 profit in 2025.
Paid € 1,398 in corporate taxes since 2022.
Best year ever: 2025, with € 4,349 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind PVG Insperience is Petra Gabriëlla P Van Gucht.
Directors
According to the 2025 annual accounts
Petra Gabriëlla P Van Gucht
Director
since 2017
Establishments
Establishment units
Physical locations of this company
Polken(STE) 31
9190 Stekene
Vellenstraat 7
9160 Lokeren
Active since 26 December 2017
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0686.811.765
- VAT number
- BE 0686.811.765
- Registered office
- Polken(STE) 31, 9190 Stekene
- Names & denominations
- PVG Insperience
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 December 2017
- Peppol
- Active · Active since 5 Oct 2025
- Activities · NACE
Detailhandel in dames-, heren-, baby- en kinderboven- en onderkleding en kledingaccessoires (algemeen assortiment)
Activiteiten van holdings
Holdings