Financials
- Fiscal year
- 2025
- Total assets
- €1.8m
- Loss
- -€14,380
- Solvency
- 27.5%
Total assets▲ 21.6%
Net result
20182025
B & V BUILDING
ActiveSummary
B & V BUILDING has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €505,790 and a net result of -€14,380. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 38% of 2412 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
What they do
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201NACE 45211
1 site
How big
€1.8mtotal assets 2025
- Equity
- €505,790
- Loss
- -€14,380
Turnover not published (abridged schema)
Who decides
Accounts filed 26 d late0 of 2 deeds read
Why 88- Sector Construction of residential and non-residential buildings (NACE 41)+ Size: total assets €1.8m+ Figures for FY 2025 (filed 26-08-2026)+ Founded in 2007Show the evidence
Checked score
Score 2025
88
/ 100
Excellent
Probability in this band: under 0.55%
Better than 27% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
53-36
equity 27.5% of total assets
Liquidity
49-10
short-term debt 72.5% · cash 30.3%
Profitability
19-10
return on assets -0.8%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
- Size: total assets €1.8m lowers the probability for this profile
- Figures for FY 2025 (filed 26-08-2026) lowers the probability
- Founded in 2007 lowers the probability for this profile
Credit up to €40,000 at 30 days acceptable
Liquidity tight (current ratio 1.38 against 2.76 in 2024; short-term debt: 72.5% and cash: 30.3% of total assets), and 72.5% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 34%, liquidity 48%, profitability 16%, growth against the median 11%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
26 d late
2023
27 d late
2022
17 d early
2021
13 d early
2020
24 d late
2019
26 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 14 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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. Usually files around 26 August (4 of the last 5 filed years within 39 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Weakest financial yearnet -€14,380
- Annual accounts filedfiscal year 2024 · abbreviated…
Key points
By topic
Timeline
- Events
- 13
- Since
- 2017
- Next accounts
- by 31-07-2027
- 26-08-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 26-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General construction of residential buildingsNACE 41001
- Founded
- 14-02-2007
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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