Summary
B&V EXPERTEN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €320,350 and a net result of €262,069. Equity is growing by ~18.6% per year across the filed fiscal years. Its solvency ranks better than 32% of 2469 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 · 3 filingsDeviation from the deadline
2025
74 d early
2024
76 d early
2023
57 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 69 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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 18 May (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€320,350▼ 39.3%
2024 · €528,147
Net result
€262,069▼ 20.0%
2024 · €327,546
Total assets
€1.1m▲ 17.4%
2024 · €945,762
Solvency
28.8%▼ 27.0pp
2024 · 55.8%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€256,479-€438,915▲ 71.1%€353,459▼ 19.5%
Net result€196,460above the sector's middle half-€327,546above the sector's middle half▲ 66.7%€262,069above the sector's middle half▼ 20.0%
Equity€201,460within the sector's middle half-€528,147within the sector's middle half▲ 162%€320,350within the sector's middle half▼ 39.3%
Total assets€299,969within the sector's middle half-€945,762within the sector's middle half▲ 215%€1.1mabove the sector's middle half▲ 17.4%
Debt€98,508-€417,615▲ 324%€790,260▲ 89.2%
Working capital€201,460above the sector's middle half-€443,942above the sector's middle half▲ 120%€204,329above the sector's middle half▼ 54.0%
Solvency67.2%within the sector's middle half-55.8%within the sector's middle half▼ 11.3pp28.8%within the sector's middle half▼ 27.0pp
Current ratio3.05within the sector's middle half-2.87within the sector's middle half▼ 0.181.30within the sector's middle half▼ 1.57
Return on assets (ROA)65.5%above the sector's middle half-34.6%above the sector's middle half▼ 30.9pp23.6%above the sector's middle half▼ 11.0pp
Staff (FTE)1.2-1.8within the sector's middle half▲ 50.0%1.8=
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2024 Net result +67% on 2023. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.1m
Fixed assets
€233,283 ▼ 11.7%
Current assets
€877,327 ▲ 28.7%
Equity and liabilities €1.1m
Equity
€320,350 ▼ 39.3%
Debt
€790,260 ▲ 89.2%
Debt's share of the balance-sheet total rises from 44.2% to 71.2%. Equity is lower and debt is higher.
Key figures and ratios
ROE
81.8%▲
2024 · 62.0%
Debt ≤ 1 year
€672,998▲
2024 · €237,488
Debt > 1 year
€117,262▼
2024 · €180,127
Income taxes
€85,328▼
2024 · €103,144
Staff costs
€106,545▲
2024 · €105,754
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €81,646 | €105,754 | €106,545 | ▲ 0.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,101 | €22,311 | €34,874 | ▲ 56.3% |
| Other operating charges640/8 | €155 | €505 | €858 | ▲ 69.9% |
| Gross operating margin9900 | €340,380 | €567,485 | €495,735 | ▼ 12.6% |
| Operating profit (loss)9901 | €256,479 | €438,915 | €353,459 | ▼ 19.5% |
| Financial income75/76B | - | €36 | €2,547 | ▲ 6,966% |
| Recurring financial income75 | - | €36 | €2,547 | ▲ 6,966% |
| Financial charges65/66B | €310 | €8,262 | €8,609 | ▲ 4.2% |
| Recurring financial charges65 | €310 | €8,262 | €8,609 | ▲ 4.2% |
| Profit (loss) for the period before taxes9903 | €256,169 | €430,689 | €347,397 | ▼ 19.3% |
| Income taxes67/77 | €59,709 | €103,144 | €85,328 | ▼ 17.3% |
| Profit (loss) for the period9904 | €196,460 | €327,546 | €262,069 | ▼ 20.0% |
| Transfer to tax-exempt reserves689 | - | €168,000 | €147,350 | ▼ 12.3% |
| Profit (loss) for the period to be appropriated9905 | €196,460 | €159,546 | €114,719 | ▼ 28.1% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €299,969 | €945,762 | €1.1m | ▲ 17.4% |
| Fixed assets21/28 | - | €264,332 | €233,283 | ▼ 11.7% |
| Intangible fixed assets21 | - | €207,596 | €184,711 | ▼ 11.0% |
| Tangible fixed assets22/27 | - | €56,736 | €44,747 | ▼ 21.1% |
| Furniture and vehicles24 | - | €56,736 | €44,747 | ▼ 21.1% |
| Financial fixed assets28 | - | - | €3,825 | - |
| Current assets29/58 | €299,969 | €681,430 | €877,327 | ▲ 28.7% |
| Amounts receivable within one year40/41 | €66,262 | €83,451 | €96,356 | ▲ 15.5% |
| Trade receivables40 | €39,121 | €82,226 | €67,976 | ▼ 17.3% |
| Other amounts receivable41 | €27,141 | €1,225 | €28,380 | ▲ 2,217% |
| Current investments50/53 | - | €461,000 | €661,000 | ▲ 43.4% |
| Cash at bank and in hand54/58 | €231,405 | €136,874 | €119,970 | ▼ 12.3% |
| Deferred charges and accrued income490/1 | €2,302 | €105 | €0 | ▼ 100% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €299,969 | €945,762 | €1.1m | ▲ 17.4% |
| Equity10/15 | €201,460 | €528,147 | €320,350 | ▼ 39.3% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €196,460 | €523,147 | €315,350 | ▼ 39.7% |
| Tax-exempt reserves132 | - | €168,000 | €315,350 | ▲ 87.7% |
| Distributable reserves133 | €196,460 | €355,147 | €0 | ▼ 100% |
| Profit (loss) carried forward14 | - | €0 | €0 | - |
| Amounts payable17/49 | €98,508 | €417,615 | €790,260 | ▲ 89.2% |
| Amounts payable after more than one year17 | - | €180,127 | €117,262 | ▼ 34.9% |
| Financial debts170/4 | - | €180,127 | €117,262 | ▼ 34.9% |
| Amounts payable within one year42/48 | €98,508 | €237,488 | €672,998 | ▲ 183% |
| Current portion of amounts payable after more than one year42 | - | €60,429 | €62,865 | ▲ 4.0% |
| Trade debts44 | €3,208 | €10,169 | €429 | ▼ 95.8% |
| Suppliers440/4 | €3,208 | €10,169 | €429 | ▼ 95.8% |
| Taxes, remuneration and social security45 | €95,301 | €166,031 | €139,838 | ▼ 15.8% |
| Taxes450/3 | €69,844 | €143,644 | €123,292 | ▼ 14.2% |
| Remuneration and social security454/9 | €25,457 | €22,387 | €16,546 | ▼ 26.1% |
| Other amounts payable47/48 | - | €859 | €469,865 | ▲ 54,599% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €196,460 | €327,546 | €262,069 | ▼ 20.0% |
| + Depreciation and write-downs630 | €2,101 | €22,311 | €34,874 | ▲ 56.3% |
| Operating cash flow (approximation) | €198,561 | €349,857 | €296,942 | ▼ 15.1% |
| Investment in fixed assets (approximation) | - | - | -€3,825 | - |
| Change in cash | - | -€94,531 | -€16,904 | ▲ 82.1% |
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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2023net €327,546 ▲66.7%
Operating result €438,915, net result €327,546, both a record.
31-12
Financial
Equity above €500,000Eq €528,147 ▲162%
2 profitable years in a row build equity to €528,147.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Waregem · 1 establishment unit since 2023
Ground area
130 m²
Building footprint
65 m²
Volume, LiDAR
470 m³
Parcel 34040C1168/00G000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
B&V EXPERTEN
since 20232.341.051.052
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34040C1168/00G000 | Flanders | 130 m² | 1 · 65 m² | 10.1 m · 2 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 853 companies in sector 66210 we hold annual accounts for 511. 395 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
Founded20-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0797447292
Also
9925:BE0797447292
Registered
27-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.