ACTIVE

PZ-IO

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Financial year 2025 · closed on 31/12/2025

Net result

16,4 k €

-56.0% YoY

Gross margin

25,4 k €

-50.2% YoY

Equity

231,7 k €

+7.6% YoY

Workforce

0,0 ETP

What does PZ-IO do?

PZ-IO is a Private limited company incorporated in 2000. Its main activity is: Risk and damage evaluation. Its registered office is in Knokke-Heist.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0471.957.557

Incorporation

24/05/2000

Legal form

Private limited company

Registered office

Paulusstraat 17
8300 Knokke-Heist · FlandreSee on map

Contributed capital

58 590,00 €

Latest accounts

31/12/2025

Average workforce

0,0 ETP

Activities (NACE)

66210Risk and damage evaluation· main 66210Risk and damage evaluation 67202Experts en dommages et risques 68100Buying and selling of own real estate 68110Buying and selling of own real estate 71111Architectural activities+2

Joint committees (2)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDA

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Health score

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✦ Verdict · Analyst summary

Financials

Trend over 19 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007
Income statement
Gross margin	25,4 k €	-50.2%	51 k €	+130%	22,2 k €	+4.8%	21,1 k €	+356%	-8,3 k €	+64.4%	-23,2 k €	-106%	392,2 k €	+63428%	-619,4 €	+99.3%	-86,2 k €	-134%	255,6 k €	-12.1%	290,7 k €	+49.6%	194,4 k €	+4.4%	186,2 k €	-28.2%	259,2 k €	+5.7%	245,2 k €	+0.9%	242,9 k €	-12.3%	277 k €	+33.7%	207,2 k €	+33.4%	155,4 k €
EBITDA	24,8 k €	-50.7%	50,3 k €	+136%	21,3 k €	+7.3%	19,8 k €	+340%	-8,3 k €	+64.5%	-23,3 k €	-106%	384,4 k €	+6146%	-6,4 k €	+93.4%	-96,9 k €	-147%	208,2 k €	-20.6%	262,4 k €	+38.2%	189,9 k €	+5.3%	180,3 k €	-23.3%	235,1 k €	+37.7%	170,7 k €	-19.4%	211,8 k €	-22.7%	274 k €	+34.2%	204,2 k €	+33.4%	153 k €
Operating result	24,1 k €	-51.2%	49,3 k €	+143%	20,3 k €	+7.7%	18,8 k €	+303%	-9,3 k €	+62.8%	-24,9 k €	-107%	382,4 k €	+4367%	-9 k €	+92.0%	-112,1 k €	-160%	187,5 k €	-20.0%	234,5 k €	+52.0%	154,3 k €	+4.6%	147,5 k €	-27.5%	203,5 k €	+40.5%	144,8 k €	-20.4%	181,9 k €	-26.8%	248,4 k €	+41.9%	175 k €	+40.7%	124,4 k €
Net result	16,4 k €	-56.0%	37,3 k €	+107%	18 k €	+27.6%	14,1 k €	+362%	-5,4 k €	+74.0%	-20,7 k €	-107%	299,5 k €	+2325%	-13,5 k €	+88.8%	-119,8 k €	-207%	111,5 k €	-11.5%	126,1 k €	+47.8%	85,3 k €	+2.5%	83,3 k €	-26.5%	113,3 k €	-31.6%	165,6 k €	-1.1%	167,4 k €	+71.0%	97,9 k €	+3.8%	94,3 k €	+41.3%	66,8 k €
Balance sheet
Equity	231,7 k €	+7.6%	215,3 k €	-38.8%	351,7 k €	-28.8%	493,7 k €	+2.9%	479,6 k €	-3.8%	498,6 k €	-4.0%	519,3 k €	+108%	250,2 k €	-5.1%	263,6 k €	-31.2%	383,4 k €	+41.0%	271,9 k €	+86.5%	145,8 k €	+612%	20,5 k €	-93.2%	300,2 k €	+60.6%	186,9 k €	-25.6%	251,3 k €	-11.5%	283,9 k €	+61.3%	176 k €	-3.1%	181,7 k €
Total assets	280,5 k €	-2.0%	286,2 k €	-21.9%	366,5 k €	-26.1%	495,8 k €	-11.3%	559 k €	-6.0%	594,9 k €	-8.6%	650,8 k €	+40.6%	462,9 k €	-13.8%	537,2 k €	-27.0%	735,9 k €	+13.1%	650,7 k €	-1.2%	658,7 k €	+1.3%	650,3 k €	-5.3%	686,9 k €	-15.7%	814,6 k €	-13.8%	945,4 k €	+24.1%	761,6 k €	-3.0%	784,9 k €	+7.7%	728,9 k €
Cash	207,9 k €	-13.0%	239 k €	+21.9%	196,1 k €	+10.8%	177 k €	-34.5%	270,2 k €	-30.0%	386,1 k €	-29.6%	548,6 k €	+59804%	915,9 €	-65.0%	2,6 k €	-17.1%	3,2 k €	-94.4%	56,9 k €	+9.2%	52,1 k €	+20.0%	43,5 k €	-51.9%	90,4 k €	+1253%	6,7 k €	-98.0%	331,9 k €	+36.1%	243,8 k €	+43.3%	170,1 k €	+204%	56 k €
Debts	48,8 k €	-31.2%	70,9 k €	+380%	14,8 k €	+604%	2,1 k €	-97.4%	79,5 k €	-17.4%	96,3 k €	-26.8%	131,5 k €	-38.2%	212,7 k €	-21.5%	271,1 k €	-23.1%	352,5 k €	-6.9%	378,9 k €	-26.1%	512,9 k €	-18.6%	629,9 k €	+62.9%	386,7 k €	-38.3%	627,1 k €	-9.7%	694,1 k €	+45.3%	477,7 k €	-20.9%	603,9 k €	+10.4%	547,2 k €
Other
Workforce	0,0 ETP		–		–		–		–		–		–		–		–		–		0,5 ETP		–		–		0,6 ETP	-33.3%	0,9 ETP	+80.0%	0,5 ETP		–		–		–

Estimate

Indicative valuation

As an indication, this company is worth

between 250 k€ and 500 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 1 active · 3 ended

Active mandates

Patricia Verleyen

Director · since 08 mai 2000

Active

Ended mandates

Patricia Verleyen

Director

Ended

Patricia Verleyen

Administrator - manager

Ended

Patricia Verleyen

Manager

Ended

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Micro model	Micro model	Micro model	Micro model	Micro model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	30/07/2026	30/07/2025	17/06/2024	04/10/2023	31/08/2022	10/09/2021
General meeting	30/06/2026	30/06/2025	30/05/2024	30/06/2023	23/05/2022	24/05/2021
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Ratios

Financial ratios

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Filings

Annual accounts filings

20 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	30/06/2026	30/07/2026	Dutch	PDF
Micro model	31/12/2024	30/06/2025	30/07/2025	Dutch	PDF
Micro model	31/12/2023	30/05/2024	17/06/2024	Dutch	PDF
Micro model	31/12/2022	30/06/2023	04/10/2023	Dutch	PDF
Micro model	31/12/2021	23/05/2022	31/08/2022	Dutch	PDF
Micro model	31/12/2020	24/05/2021	10/09/2021	Dutch	PDF
Micro model	31/12/2019	11/07/2020	05/11/2020	Dutch	PDF
Micro model	31/12/2018	02/05/2019	23/09/2019	Dutch	PDF
Micro model	31/12/2017	02/05/2018	26/09/2018	Dutch	PDF
Micro model	31/12/2016	02/05/2017	31/08/2017	Dutch	PDF
Abridged model	31/12/2015	02/05/2016	27/07/2016	Dutch	PDF
Abridged model	31/12/2014	04/05/2015	31/08/2015	Dutch	PDF
Abridged model	31/12/2013	02/05/2014	28/08/2014	Dutch	PDF
Abridged model	31/12/2012	02/05/2013	24/06/2013	Dutch	PDF
Abridged model	31/12/2011	02/05/2012	20/07/2012	Dutch	PDF
Abridged model	31/12/2010	02/05/2011	30/08/2011	Dutch	PDF
Abridged model	31/12/2009	03/05/2010	16/07/2010	Dutch	PDF
Abridged model	31/12/2008	30/06/2009	28/08/2009	Dutch	PDF
Abridged model	31/12/2007	05/06/2008	14/07/2008	Dutch	PDF
Abridged model	31/12/2006	29/06/2007	11/10/2007	Dutch	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 250 k€ and 500 k€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2025 · 1 active · 3 ended

Active mandates

Patricia Verleyen

Director · since 08 mai 2000

Active

Ended mandates

Patricia Verleyen

Director

Ended

Patricia Verleyen

Administrator - manager

Ended

Patricia Verleyen

Manager

Ended

Shareholders

Ownership and network

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Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Registered office14/08/2024
MAATSCHAPPELIJKE ZETEL
PDF
Mandates20/12/2023
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - WIJZIGING RECHTSVORM - DIVERSEN - ONTSLAGEN - BENOEMINGEN
PDF
Registered office23/12/2020
MAATSCHAPPELIJKE ZETEL
PDF
Capital / shares20/02/2015
KAPITAAL - AANDELEN
PDF
Other25/11/2011
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF
Capital / shares09/11/2005
ALGEMENE VERGADERING - KAPITAAL - AANDELEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF
Registered office12/12/2003
MAATSCHAPPELIJKE ZETEL
PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

2025
Annual accounts 202516,4 k €↓
2024
Annual accounts 202437,3 k €↑
2023
Annual accounts 202318 k €↑
2022
Annual accounts 202214,1 k €↑
2021
Annual accounts 2021-5,4 k €↑
2020
Annual accounts 2020-20,7 k €↓
2019
Annual accounts 2019299,5 k €↑
2018
Annual accounts 2018-13,5 k €↑
2017
Annual accounts 2017-119,8 k €↓
2016
Annual accounts 2016111,5 k €↓
2015
Annual accounts 2015126,1 k €↑
2014
Annual accounts 201485,3 k €↑
2013
Annual accounts 201383,3 k €↓
2012
Annual accounts 2012113,3 k €↓
2011
Annual accounts 2011165,6 k €↓
2010
Annual accounts 2010167,4 k €↑
2009
Annual accounts 200997,9 k €↑
2008
Annual accounts 200894,3 k €↑
2007
Annual accounts 200766,8 k €
24/05/2000
IncorporationPrivate limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

PZ-IO

Overview

What does PZ-IO do?

Trend over 19 financial years

Indicative valuation

Board of directors

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline