B.D.V.
ActiveThe annual accounts of B.D.V. for fiscal year 2025 show a net loss of 61% of the equity at the start of that year. The 2025 annual accounts show equity of €9k and a net result of €-14k. Equity is shrinking by ~23.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 33% of 3102 sector peers (fiscal year 2025). The company has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency42▼-11
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.15 against 1.1 in 2024; short-term debt: 30.2% and cash: 1.1% of total assets), and 83.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← 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
raises risk · 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 2025Solvency, return and age of the figures
Solvency
16.7%
Return on assets
-25.6%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-14k
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 18-05-2026, 74 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
74 d early
2024
59 d early
2023
27 d early
2022
12 d early
2021
6 d early
2020
24 d late
2019
on the day
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-14k▲ 47.7%
2024 · €-26k
2018: €6k
2019: €-4k
2020: €-31k
2021: €-9k
2022: €-15k
2023: €-19k
2024: €-26k
2018 → 2025
Working capital
€-14k
2024 · €2k
2018: €100k
2019: €96k
2020: €74k
2021: €65k
2022: €49k
2023: €29k
2024: €2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€83k-€67k▼ 18.8%€48k▼ 28.2%€22k▼ 53.7%€9k▼ 60.6%
Operating result€-7k-€-14k▼ 85.7%€-17k▼ 27.9%€-24k▼ 40.8%€-12k▲ 52.2%
Net result€-9k-€-15k▼ 65.3%€-19k▼ 22.3%€-26k▼ 36.3%€-14k▲ 47.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2025 against €24k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €53k
Fixed assets
€50k▼ 12.7%
Current assets
€2k▼ 89.0%
Equity and liabilities €53k
Equity
€9k▼ 60.6%
Debt
€44k▼ 22.9%
The debt ratio rises from 71.8% to 83.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▲
2024 · €-17k
Cash flow
€-6k▲
2024 · €-18k
Solvency
16.7%▼
2024 · 28.2%
Current ratio
0.15▼
2024 · 1.10
Quick ratio
0.15▼
2024 · 1.10
Debt / equity
4.99▲
2024 · 2.55
ROE
-153.5%▼
2024 · -115.8%
ROA
-25.6%▲
2024 · -32.6%
Interest coverage
-2.33▲
2024 · -11.63
Debt
€44k▼
2024 · €57k
Debt ≤ 1 year
€16k▼
2024 · €20k
Debt > 1 year
€28k▼
2024 · €37k
Income taxes
€18▲
2024 · €-33
Staff costs
€2k▼
2024 · €25k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€79k€53k▼
Fixed assets21/28€58k€50k▼
Tangible fixed assets22/27€58k€50k▼
Land and buildings22€58k€50k▼
Current assets29/58€22k€2k▼
Amounts receivable within one year40/41€5k€605▼
Trade receivables40€5k€605▼
Other amounts receivable41€127-
Cash at bank and in hand54/58€15k€590▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€79k€53k▼
Equity10/15€22k€9k▼
Contributions10/11€50k€50k=
Reserves13€5k€5k=
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Profit (loss) carried forward14€-32k€-46k▼
Amounts payable17/49€57k€44k▼
Amounts payable after more than one year17€37k€28k▼
Financial debts170/4€37k€28k▼
Amounts payable within one year42/48€20k€16k▼
Current portion of amounts payable after more than one year42€9k€9k=
Trade debts44€4k€984▼
Suppliers440/4€4k€984▼
Taxes, remuneration and social security45€845€206▼
Taxes450/3-€206
Remuneration and social security454/9€845-
Other amounts payable47/48€5k€5k=
Income statement
Code20242025
Remuneration, social security and pensions62€25k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€7k▼
Other operating charges640/8€5k€5k▼
Gross operating margin9900€13k€3k▼
Operating profit (loss)9901€-24k€-12k▲
Financial income75/76B€56€58▲
Recurring financial income75€56€58▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-26k€-13k▲
Income taxes67/77€-33€18▲
Profit (loss) for the period9904€-26k€-14k▲
Profit (loss) for the period to be appropriated9905€-26k€-14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-32k€-46k▼
Profit (loss) brought forward from the previous period14P€-6k€-32k▼
The notes to these accounts (8 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
26-08
State Gazette act
Registered office · Resignations & appointmentsGeneral meeting · Director resignation · Director appointment5 facts ▸
State Gazette act
Registered office · Resignations & appointments
General meeting · Director resignation · Director appointment5 facts ▸
- General meeting, 2026-08-05
- Director resignation, Madame PITOT (administrateur)
- Director appointment, SRL SDIG (administrateur)
- Permanent representative, Monsieur DE FILIPPIS Steve
- Registered-office move, rue du Temple 49 -7100 LA LOUVIERE
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
SRL SDIG
CurrentDirector · since 05-08-2026 · Legal entity
05-08-2026
SRL SDIG: Appointed as Director
05-08-2026
Madame PITOT: Resigned as Director
Location & real-estate footprint
Registered office, La Louvière · 1 establishment unit since 1983
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 du Temple(L.L) 497100 La LouvièreGround area
960 m²
Building footprint
139 m²
Volume, LiDAR
857 m³
2 parcels, Wallonia · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée Brunehault(EMT) 126, 7120 Estinnes
since 19832.021.826.032
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56023B1022/00P002 | Wallonia | 780 m² | 1 · 91 m² | 7.3 m · 2 fl. |
| 55022A0471/00R050 | Wallonia | 180 m² | 1 · 48 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,676 companies in sector 01610 we hold annual accounts for 1,368. 465 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-1983
Fiscal year end31-12
Activities, NACEBEL
01410Raising of dairy cattle
01610Support activities for crop production
Sources
Crossroads Bank for EnterprisesNational Bank · 43 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.