B&V GARDEN
ActiveThe computed 12-month bankruptcy probability of B&V GARDEN is 1.6% (moderate). The 2024 annual accounts show negative equity (€-4k) and a net result of €-627. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 26043 sector peers (fiscal year 2024). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
33
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability33▼-67
Solvency14▼-1
Growth58=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.9 against 0.91 in 2023; short-term debt: 110.7% and cash: 7% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
-11.4%
Return on assets
-1.6%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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 · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-4k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-10-2025, 68 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
not confirmed
2024
68 d late
2023
61 d late
2022
144 d late
2021
183 d late
2020
151 d late
2019
140 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-627
2023 · €11k
2018: €-19k
2019: €6k
2020: €-17k
2021: €2k
2022: €-747
2023: €11k
2018 → 2024
Working capital
€-4k▼ 9.4%
2023 · €-4k
2018: €-24k
2019: €-8k
2020: €-18k
2021: €-16k
2022: €-15k
2023: €-4k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-14k-€-14k▼ 6.7%€-15k▼ 5.2%€-4k▲ 74.9%€-4k▼ 16.5%
Operating result€-15k-€4k€901▼ 75.2%€12k▲ 1,280%€3k▼ 75.5%
Net result€-17k-€2k€-747€11k€-627
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 75% below 2023.
Key figures and ratios
Solvency
-11.4%▼
2023 · -9.5%
Current ratio
0.90▼
2023 · 0.91
Quick ratio
0.30▲
2023 · 0.26
Debt / equity
-9.78▲
2023 · -11.48
ROA
-1.6%▼
2023 · 28.5%
Debt
€43k▼
2023 · €44k
Debt ≤ 1 year
€43k▼
2023 · €44k
Income taxes
€834▲
2023 · €331
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€40k€39k▼
Current assets29/58€40k€39k▼
Stocks and contracts in progress3€28k€26k▼
Stocks30/36€28k€26k▼
Amounts receivable within one year40/41€9k€10k▲
Trade receivables40€7k€7k▲
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€1k€3k▲
Deferred charges and accrued income490/1€1k€318▼
Equity and liabilities
Total equity and liabilities10/49€40k€39k▼
Equity10/15€-4k€-4k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-24k€-24k▼
Amounts payable17/49€44k€43k▼
Amounts payable within one year42/48€44k€43k▼
Financial debts43€30k€30k▲
Credit institutions430/8€30k€30k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€829€2k▲
Taxes450/3€829€2k▲
Other amounts payable47/48€11k€10k▼
Accrued charges and deferred income492/3-€270
Income statement
Code20232024
Other operating charges640/8€996€2k▲
Gross operating margin9900€13k€5k▼
Operating profit (loss)9901€12k€3k▼
Financial income75/76B€195€300▲
Recurring financial income75€195€300▲
Financial charges65/66B€927€3k▲
Recurring financial charges65€927€3k▲
Profit (loss) for the period before taxes9903€12k€207▼
Income taxes67/77€331€834▲
Profit (loss) for the period9904€11k€-627▼
Profit (loss) for the period to be appropriated9905€11k€-627▼
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€-24k▼
Profit (loss) brought forward from the previous period14P€-35k€-24k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 144 days late
30-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 183 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
29-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 151 days late
2020
18-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 140 days late
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
12-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 43 days late
2017
10-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 71 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Gouvy · 1 establishment unit since 2014
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.
Avenue Noël 176670 GouvyGround area
191 m²
Building footprint
61 m²
Parcel 82015A0954/00C003, Wallonia. Linked by address, not a title deed.
1 establishment unit
B&V GARDEN
since 20142.233.855.659
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82015A0954/00C003 | Wallonia | 191 m² | 1 · 61 m² | - |
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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OUTILLUC
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SERWEB
BE 0876.997.487
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DUVAN & CO
BE 0832.149.043
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Of 301 companies in sector 47525 we hold annual accounts for 207. 21 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-08-2014
Fiscal year end31-12
Activities, NACEBEL
47525Retail trade
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.