B.M.A.V. is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €39k and a net result of €3k. Equity is shrinking by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 47% of 9864 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-10-2025, 89 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
89 d late
2023
58 d late
2022
88 d late
2021
26 d late
2020
61 d late
2019
61 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€39k▲ 6.9%
2023 · €37k
2018: €75k
2019: €93k
2020: €65k
2021: €21k
2022: €50k
2023: €37k
2018 → 2024
Net result
€3k
2023 · €-13k
2018: €4k
2019: €18k
2020: €-29k
2021: €-43k
2022: €28k
2023: €-13k
2018 → 2024
Total assets
€76k▼ 5.3%
2023 · €80k
2018: €138k
2019: €137k
2020: €81k
2021: €70k
2022: €104k
2023: €80k
2018 → 2024
Solvency
51.9%▲ 5.9pp
2023 · 46.0%
2018: 54.4%
2019: 68.1%
2020: 80.1%
2021: 30.5%
2022: 48.2%
2023: 46.0%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€65k-€21k▼ 66.8%€50k▲ 133%€37k▼ 26.4%€39k▲ 6.9%
Operating result€-27k-€-39k▼ 45.3%€33k€-11k€5k
Net result€-29k-€-43k▼ 50.8%€28k€-13k€3k
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 2024: €5k after a loss of €11k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €76k
Fixed assets
€13k▼ 26.5%
Current assets
€62k▲ 1.0%
Equity and liabilities €76k
Equity
€39k▲ 6.9%
Debt
€36k▼ 15.6%
The debt ratio falls from 54.0% to 48.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
51.9%▲
2023 · 46.0%
ROE
6.5%▲
2023 · -35.8%
ROA
3.4%▲
2023 · -16.5%
Debt
€36k▼
2023 · €43k
Debt ≤ 1 year
€23k▼
2023 · €34k
Income taxes
€523▲
2023 · €494
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€80k€76k▼
Fixed assets21/28€18k€13k▼
Tangible fixed assets22/27€18k€13k▼
Land and buildings22€2k€890▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€16k€13k▼
Current assets29/58€62k€62k▲
Amounts receivable within one year40/41€42k€52k▲
Trade receivables40€41k€35k▼
Other amounts receivable41€1k€17k▲
Cash at bank and in hand54/58€14k€5k▼
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€80k€76k▼
Equity10/15€37k€39k▲
Contributions10/11€19k€19k=
Reserves13€74k€74k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€73k€73k=
Profit (loss) carried forward14€-56k€-54k▲
Amounts payable17/49€43k€36k▼
Amounts payable within one year42/48€34k€23k▼
Financial debts43€2€116▲
Credit institutions430/8€2€116▲
Trade debts44€9k€294▼
Suppliers440/4€9k€294▼
Taxes, remuneration and social security45€3k-
Taxes450/3€3k-
Other amounts payable47/48€22k€23k▲
Accrued charges and deferred income492/3€9k€14k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€-3k€13k▲
Operating profit (loss)9901€-11k€5k▲
Financial income75/76B€1€8▲
Recurring financial income75€1€8▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-13k€3k▲
Income taxes67/77€494€523▲
Profit (loss) for the period9904€-13k€3k▲
Profit (loss) for the period to be appropriated9905€-13k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-56k€-54k▲
Profit (loss) brought forward from the previous period14P€-43k€-56k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 89 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 88 days late
2022
31-12
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Weakest financial yearnet €-43k
Net result drops to €-43k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
21-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 205 days late
2019
20-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 293 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Antwerpen · 1 establishment unit since 2015
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.
De Wittestraat 772600 AntwerpenGround area
180 m²
Building footprint
101 m²
Volume, LiDAR
1,127 m³
Parcel 11303B0438/00P019, Flanders · tallest building 16.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
B.M.A.V.
since 20152.250.391.684
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11303B0438/00P019 | Flanders | 180 m² | 1 · 101 m² | 16.0 m · 4 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,747. 9,633 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-12-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
71121Engineering and related technical consultancy, excluding land surveyors
71209Other technical testing and analysis
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.