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B.V.CLUB

Active
Public limited companyfounded 1991active for 35 yearsRue Emile Deltenre(SS) 7, 7912 Frasnes-lez-Anvaing, BelgiumKBO/BCE: BE 0445.094.990
Summary

B.V.CLUB has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€71,155) and a net result of -€789. Equity has been shrinking by about 3.8% per year since 2018. Its solvency ranks better than 5% of 5,796 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Official details

Source: KBO
Status
Active since 11-09-1991 Normal situation
Activity
Real estate agency activities NACE 68310and 1 other
Establishment unit
2.054.426.940 7912 Frasnes-lez-Anvaing, since 03-10-1991
Financial year end
31 December
Peppol
Reachable since 13-12-2025

Financial position

54 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Annual accounts 2025
Gross margin
€217
Turnover
≈ €760
estimated
Loss
€789
▼ 80.7%
Equity
-€71,155
▼ 1.1%
Total assets
€4,545
▲ 87.5%
  • Negative equity on 31-12-2025
Score breakdownraises riskCapped at 59: negative equityNegative equity -€71,155Loss of €789, the second in a row (financial year 2025)lowers riskSize: total assets €4,545Figures for financial year 2025 (filed on 29-06-2026)Show the evidence

Checked score

Score 2025
54 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 25% of micro companies in real estate (NACE 68)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Weak
Solvency 0=
equity -1565.6% of total assets
Liquidity 50=
short-term debt 1665.6% · cash 98.9%
Profitability 0=
return on assets -17.4%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,630 companies, NACE 68, micro)
Last 24 months 12-2024: 0.4% 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.5%▲ +0.1 percentage points vs 06-2025 08-2025: 0.6%▲ +0.1 percentage points vs 07-2025highest value 09-2025: 0.4%▼ -0.2 percentage points vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.3%▼ -0.1 percentage points vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.4%▲ +0.1 percentage points vs 05-2026 07-2026: 0.5%▲ +0.1 percentage points vs 06-2026 08-2026: 0.5%● unchanged vs 07-2026 09-2026: 0.5%● unchanged vs 08-2026 10-2026: 0.3%▼ -0.2 percentage points vs 09-2026lowest value 11-2026: 0.3%● unchanged vs 10-2026lowest value
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 5% of them on solvency, 49% on liquidity, 4% on profitability and 41% on growth.

The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €4,545
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Negative equity -€71,155
NBB · annual accounts
raises risk · Loss of €789, the second in a row (financial year 2025)
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 29-06-2026)
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€71,155
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
32 days early
2024
on the day
2023
8 days early
2022
39 days early
2021
5 days late
2020
11 days late
2019
53 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 17 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 24 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€71,155 View
  • Risk: 7 loss-making years in a rowloss in financial year 2025 -€789 View
  • Caution: Lower solvency than 95% of companies in real estatesector median 38.3% · 5,796 companies -1565.6% View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

Recent changes

  1. · Gazette deed Resignations & appointmentsReappointments: BRUNEAU Jacques René Alphonse (director) and VEN Chantal Martha Angèle (director) · Appointments: BRUNEAU Stéphanie Andrée Lucie (additional director) and DEMETS Xavier Edouard Gaston (additional director)
  2. · Gazette deed Incorporation
All 13 events

Comparable companies

These companies have the same main activity as B.V.CLUB: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €3,130 and €7,320, founded between 1987 and 1998.

CompanyTotal assetsGross margin
B.V.CLUB Frasnes-lez-Anvaing€4,545€217
UGAS DIFFUSION Eupen€4,736-€1,751
PLANNER Geraardsbergen€3,697-€8,782
PPG CONSULT Mons€7,323-€9,347
DC CONSULT Londerzeel€3,961€846
BUDGET-BURO Oostkamp€6,467-€672
M.J.M. IMMOBILIERE - M.J.M. IMMOBILIEN Anderlecht€3,134-€63,305
Full comparison

Key facts about B.V.CLUB

What is the company number of B.V.CLUB?
The company number of B.V.CLUB is 0445.094.990. The VAT number is the same number with BE in front: BE 0445.094.990.
Where is B.V.CLUB based?
The registered office is at Rue Emile Deltenre(SS) 7, 7912 Frasnes-lez-Anvaing.Company details
What does B.V.CLUB do?
According to the KBO register, the main activity is real estate agency activities (NACE 68310).
What is the legal form of B.V.CLUB?
The legal form of B.V.CLUB is Public limited company (NV).
When was B.V.CLUB founded?
B.V.CLUB was founded on 11-09-1991.
Is B.V.CLUB still active?
Yes, B.V.CLUB is an active enterprise in the KBO register.
What is the turnover of B.V.CLUB?
The turnover in financial year 2025 is ≈ €760. This figure is estimated from the gross margin of €217 and 58 comparable companies (NACE 68310). It probably lies between €400 and €1,600. It is a rough estimate. In financial year 2018 turnover was €2,693.Financials
Is B.V.CLUB profitable?
In financial year 2025, B.V.CLUB made a loss of €789.
Where can I find the annual accounts of B.V.CLUB?
B.V.CLUB filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of B.V.CLUB due?
B.V.CLUB must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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