B.D.J.V.
ActiveSummary
B.D.J.V. has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59k and a net result of €27k. Equity is growing by ~35.8% per year across the filed fiscal years. Its solvency ranks better than 55% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability98▲+56
Solvency77▲+10
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.91 against 1.48 in 2024; short-term debt: 48.1% and cash: 65.4% of total assets), and 48.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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
51.9%
Return on assets
23.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
1 d early
2023
on the day
2022
on the day
2021
2 d early
2020
26 d early
2019
35 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€59k▲ 84.6%
2024 · €32k
2018: €14k
2019: €5k▼ -67.1% vs 2018
2020: €1k▼ -77.4% vs 2019lowest in 8 years
2021: €15k▲ +1375% vs 2020
2022: €31k▲ +105% vs 2021
2023: €40k▲ +29.0% vs 2022
2024: €32k▼ -20.5% vs 2023
2025: €59k▲ +84.6% vs 2024highest in 8 years
2018 → 2025
Total assets
€114k▲ 49.1%
2024 · €76k
2018: €39k
2019: €20k▼ -48.9% vs 2018
2020: €13k▼ -32.8% vs 2019lowest in 8 years
2021: €51k▲ +280% vs 2020
2022: €87k▲ +71.6% vs 2021
2023: €89k▲ +2.3% vs 2022
2024: €76k▼ -14.5% vs 2023
2025: €114k▲ +49.1% vs 2024highest in 8 years
2018 → 2025
Net result
€27k
2024 · €-8k
2018: €14k
2019: €-9k▼ -165% vs 2018lowest in 8 years
2020: €-4k▲ +62.0% vs 2019
2021: €14k▲ +501% vs 2020
2022: €16k▲ +12.7% vs 2021
2023: €9k▼ -43.4% vs 2022
2024: €-8k▼ -191% vs 2023
2025: €27k▲ +428% vs 2024highest in 8 years
2018 → 2025
Working capital
€50k▲ 175%
2024 · €18k
2018: €11k
2019: €-939▼ -108% vs 2018
2020: €-1k▼ -25.8% vs 2019lowest in 8 years
2021: €11k▲ +1056% vs 2020
2022: €19k▲ +71.3% vs 2021
2023: €21k▲ +10.2% vs 2022
2024: €18k▼ -15.3% vs 2023
2025: €50k▲ +175% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€31k▲ 105%€40k▲ 29.0%€32k▼ 20.5%€59k▲ 84.6%
2021: €15klowest in 5 years
2022: €31k▲ +105% vs 2021
2023: €40k▲ +29.0% vs 2022
2024: €32k▼ -20.5% vs 2023
2025: €59k▲ +84.6% vs 2024highest in 5 years
Operating result€15k-€19k▲ 31.9%€14k▼ 27.5%€-7k€41k
2021: €15k
2022: €19k▲ +31.9% vs 2021
2023: €14k▼ -27.5% vs 2022
2024: €-7k▼ -153% vs 2023lowest in 5 years
2025: €41k▲ +649% vs 2024highest in 5 years
Net result€14k-€16k▲ 12.7%€9k▼ 43.4%€-8k€27k
2021: €14k
2022: €16k▲ +12.7% vs 2021
2023: €9k▼ -43.4% vs 2022
2024: €-8k▼ -191% vs 2023lowest in 5 years
2025: €27k▲ +428% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €41k after a loss of €7k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €114k
Fixed assets
€9k ▼ 53.6%
Current assets
€105k ▲ 86.6%
Equity and liabilities €114k
Equity
€59k ▲ 84.6%
Debt
€55k ▲ 23.5%
Debt's share of the balance-sheet total falls from 58.0% to 48.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€50k▲
2024 · €4k
Cash flow
€36k▲
2024 · €4k
Current ratio
1.91▲
2024 · 1.48
Debt to equity
0.93▼
2024 · 1.38
ROE
45.8%▲
2024 · -25.8%
ROA
23.8%▲
2024 · -10.8%
Interest coverage
11.91▲
2024 · 4.45
Debt ≤ 1 year
€55k▲
2024 · €38k
Income taxes
€10k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€76k€114k▲
Fixed assets21/28€20k€9k▼
Tangible fixed assets22/27€20k€9k▼
Plant, machinery and equipment23€3k€5k▲
Furniture and vehicles24€17k€4k▼
Financial fixed assets28€363€363=
Current assets29/58€56k€105k▲
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€4k€29k▲
Trade receivables40€3k€27k▲
Other amounts receivable41€86€2k▲
Cash at bank and in hand54/58€52k€75k▲
Deferred charges and accrued income490/1€954€1k▲
Equity and liabilities
Total equity and liabilities10/49€76k€114k▲
Equity10/15€32k€59k▲
Contributions10/11€19k€19k=
Reserves13€19k€40k▲
Distributable reserves133€19k€40k▲
Profit (loss) carried forward14€-6k-
Amounts payable17/49€44k€55k▲
Amounts payable after more than one year17€6k-
Financial debts170/4€6k-
Amounts payable within one year42/48€38k€55k▲
Current portion of amounts payable after more than one year42€7k€5k▼
Trade debts44€2k€26k▲
Suppliers440/4€2k€26k▲
Advances received on contracts in progress46-€10k
Taxes, remuneration and social security45€6k€11k▲
Taxes450/3€6k€11k▲
Other amounts payable47/48€23k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€12k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€9k▼
Other operating charges640/8€977€942▼
Gross operating margin9900€18k€51k▲
Operating profit (loss)9901€-7k€41k▲
Financial income75/76B€157€24▼
Recurring financial income75€157€24▼
Financial charges65/66B€980€4k▲
Recurring financial charges65€980€4k▲
Profit (loss) for the period before taxes9903€-8k€37k▲
Income taxes67/77-€10k
Profit (loss) for the period9904€-8k€27k▲
Profit (loss) for the period to be appropriated9905€-8k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€21k▲
Profit (loss) brought forward from the previous period14P€2k€-6k▼
Transfer to equity691/2-€21k
To other reserves6921-€21k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €9k | - | €21k | €12k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €8k | €11k | €12k | €9k | ▼ 25.9% |
| Other operating charges640/8 | €1k | €983 | €1k | €977 | €942 | ▼ 3.6% |
| Gross operating margin9900 | €26k | €28k | €47k | €18k | €51k | ▲ 184% |
| Operating profit (loss)9901 | €15k | €19k | €14k | €-7k | €41k | ▲ 649% |
| Financial income75/76B | €220 | €24 | €14 | €157 | €24 | ▼ 85.0% |
| Recurring financial income75 | €220 | €24 | €14 | €157 | €24 | ▼ 85.0% |
| Financial charges65/66B | €724 | €1k | €1k | €980 | €4k | ▲ 326% |
| Recurring financial charges65 | €538 | €1k | €1k | €980 | €4k | ▲ 326% |
| Non-recurring financial charges66B | €186 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €14k | €18k | €13k | €-8k | €37k | ▲ 545% |
| Income taxes67/77 | - | €2k | €4k | - | €10k | - |
| Profit (loss) for the period9904 | €14k | €16k | €9k | €-8k | €27k | ▲ 428% |
| Profit (loss) for the period to be appropriated9905 | €14k | €16k | €9k | €-8k | €27k | ▲ 428% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €51k | €87k | €89k | €76k | €114k | ▲ 49.1% |
| Fixed assets21/28 | €22k | €32k | €32k | €20k | €9k | ▼ 53.6% |
| Tangible fixed assets22/27 | €22k | €31k | €32k | €20k | €9k | ▼ 54.6% |
| Plant, machinery and equipment23 | €490 | €114 | €5k | €3k | €5k | ▲ 78.1% |
| Furniture and vehicles24 | €21k | €31k | €27k | €17k | €4k | ▼ 77.1% |
| Financial fixed assets28 | €363 | €363 | €363 | €363 | €363 | = |
| Current assets29/58 | €29k | €56k | €57k | €56k | €105k | ▲ 86.6% |
| Stocks and contracts in progress3 | - | €12k | €5k | €0 | - | - |
| Stocks30/36 | - | €12k | €5k | €0 | - | - |
| Amounts receivable within one year40/41 | €16k | €40k | €28k | €4k | €29k | ▲ 725% |
| Trade receivables40 | €6k | €37k | €27k | €3k | €27k | ▲ 696% |
| Other amounts receivable41 | €10k | €3k | €962 | €86 | €2k | ▲ 1,863% |
| Cash at bank and in hand54/58 | €12k | €4k | €23k | €52k | €75k | ▲ 44.5% |
| Deferred charges and accrued income490/1 | €405 | - | €1k | €954 | €1k | ▲ 16.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €51k | €87k | €89k | €76k | €114k | ▲ 49.1% |
| Equity10/15 | €15k | €31k | €40k | €32k | €59k | ▲ 84.6% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €310 | €10k | €19k | €19k | €40k | ▲ 112% |
| Non-distributable reserves130/1 | €310 | €310 | - | - | - | - |
| Reserves not available under the articles1311 | €310 | €310 | - | - | - | - |
| Distributable reserves133 | - | €10k | €19k | €19k | €40k | ▲ 112% |
| Profit (loss) carried forward14 | €-4k | €2k | €2k | €-6k | - | - |
| Amounts payable17/49 | €36k | €56k | €49k | €44k | €55k | ▲ 23.5% |
| Amounts payable after more than one year17 | €18k | €20k | €13k | €6k | - | - |
| Financial debts170/4 | €18k | €20k | €13k | €6k | - | - |
| Amounts payable within one year42/48 | €18k | €36k | €36k | €38k | €55k | ▲ 44.4% |
| Current portion of amounts payable after more than one year42 | €4k | €6k | €7k | €7k | €5k | ▼ 33.6% |
| Trade debts44 | €2k | €2k | €2k | €2k | €26k | ▲ 1,138% |
| Suppliers440/4 | €2k | €2k | €2k | €2k | €26k | ▲ 1,138% |
| Advances received on contracts in progress46 | - | - | - | - | €10k | - |
| Taxes, remuneration and social security45 | €3k | €2k | €8k | €6k | €11k | ▲ 84.9% |
| Taxes450/3 | €3k | €2k | €7k | €6k | €11k | ▲ 84.9% |
| Remuneration and social security454/9 | - | - | €1k | - | - | - |
| Other amounts payable47/48 | €8k | €26k | €19k | €23k | €4k | ▼ 83.3% |
| Accrued charges and deferred income492/3 | €347 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14k | €16k | €9k | €-8k | €27k | ▲ 428% |
| + Depreciation and write-downs630 | €2k | €8k | €11k | €12k | €9k | ▼ 25.9% |
| Operating cash flow (approximation) | €16k | €24k | €20k | €4k | €36k | ▲ 915% |
| Investment in fixed assets (approximation) | - | €-18k | €-11k | €0 | €2k | - |
| Change in cash | - | €-9k | €20k | €28k | €23k | ▼ 19.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Braives · 1 establishment unit since 2006
Ground area
438 m²
Building footprint
152 m²
Volume, LiDAR
1,540 m³
Parcel 64004A0136/00W000, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
B.D.J.V.SPRL
since 20062.153.013.780
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64004A0136/00W000 | Wallonia | 438 m² | 1 · 152 m² | 11.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,420. 6,174 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-01-2006
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
43211General electrical installation work
43320Joinery installation
43331Floor and wall tiling
43332Laying of wooden floor and wall coverings
43341Painting of buildings
Scores and ratios are computed by Checked and are not a credit decision.