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B.V.M.

Active
Private limited companyfounded 197848 yrs activeRingduivenlaan 7, 1150 Sint-Pieters-Woluwe, BelgiumKBO/BCE: BE 0418.600.134
Summary

The computed 12-month bankruptcy probability of B.V.M. is 3.0% (moderate). The 2024 annual accounts show equity of €1,432 and a net result of €6,950. Equity is growing by ~32.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 15377 sector peers (fiscal year 2024). The company has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
B.V.M.ActiveChecked score 49/100
Risk analysis ReportCompare

Overview

Activity
Certified accountants and tax accountants
NACE 69201Legal and accounting activities NACE 69202NACE 74121
#10 oldest company in Sint-Pieters-Woluwe, Professional and technical services sector1 site
Size
€360,589total assets 2024
Staff
3.5 FTE
Equity
€1,432
Profit
€6,950
Turnover not published (abridged schema)
Financial health
49 Fair Checked score 2024
Bankruptcy chance 12 m
3.0%
Structure
Accounts 67 d overdue0 of 2 deeds read
Why 49- Liquidity: current ratio 1.25, cash €3,494- 1 change of registered office in 24 months- Figures for FY 2024 (filed 22-12-2025)+ Sector Legal and accounting activities (NACE 69)Show the evidence

Checked score

Score 2024
49 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 26% of its sector peers (NACE 69, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Weak
Solvency 25+2
equity 0.4% of total assets
Liquidity 8=
short-term debt 78.8% · cash 1.0%
Profitability 32-16
return on assets 1.9%
Bankruptcy probability, 12 months
3.0% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (20,004 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.3%▼ -0.6% vs 12-2024lowest value 02-2025: 0.3%● 0.0% vs 01-2025lowest value 03-2025: 0.4%▲ +11.2% vs 02-2025 04-2025: 0.4%▲ +0.5% vs 03-2025 05-2025: 0.4%▼ -2.1% vs 04-2025 06-2025: 0.4%▼ -0.8% vs 05-2025 07-2025: 1.4%▲ +285% vs 06-2025 08-2025: 1.6%▲ +9.4% vs 07-2025 09-2025: 1.9%▲ +17.3% vs 08-2025 10-2025: 2.2%▲ +20.8% vs 09-2025 11-2025: 2.4%▲ +5.1% vs 10-2025 12-2025: 2.9%▲ +20.6% vs 11-2025 01-2026: 1.2%▼ -58.8% vs 12-2025 02-2026: 1.2%● 0.0% vs 01-2026 03-2026: 1.3%▲ +11.0% vs 02-2026 04-2026: 1.3%▲ +0.3% vs 03-2026 05-2026: 1.3%▼ -3.6% vs 04-2026 06-2026: 1.3%● 0.0% vs 05-2026 07-2026: 1.4%▲ +9.5% vs 06-2026 08-2026: 1.7%▲ +22.2% vs 07-2026 09-2026: 2.1%▲ +24.9% vs 08-2026 10-2026: 3.0%▲ +42.4% vs 09-2026highest value
  • Liquidity: current ratio 1.25, cash €3,494 raises the probability
  • 1 change of registered office in 24 months raises the probability
  • Figures for FY 2024 (filed 22-12-2025) raises the probability
  • Sector Legal and accounting activities (NACE 69) lowers the probability
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.25 against 1.23 in 2023; short-term debt: 78.8% and cash: 1% of total assets), and 99.6% 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 69, micro). Better than this share of them on solvency 4%, liquidity 2%, profitability 7%, growth against the median 92%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. 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

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Liquidity: current ratio 1.25, cash €3,494
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
raises risk · Figures for FY 2024 (filed 22-12-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Sector Legal and accounting activities (NACE 69)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 15377 sector peers (2024).
NBB · sector comparison
Position among 15377 sector peers
Solvency
better than 5%
← weakest strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-12-2025, 144 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
144 d late
2023
88 d late
2022
115 d late
2021
108 d late
2020
97 d late
2019
140 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 115 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Incorporation · FounderFounding capital · Legal form…
  2. General meeting · Other statementAuditor report · Net-asset statement
  3. General meeting · Other statementAuditor report · Dissolution

Key points

  • Caution: Among the weakest 5% on solvencysector median 59.2% · 15,377 companies 0.4% View
  • Caution: Accounts not fileddeadline was 31-07-2026 67 d late View
  • Positive: 6 profitable years in a rowprofit 2024: €6,950 6 years View
  • Active since 1978founded 03-07-1978 48 years View

By topic

Financials

Fiscal year
2024
Total assets
€360,589
Profit
€6,950
Solvency
0.4%
Total assets▼ 1.1%
Net result
20182024
Go to Financials

Timeline

Events
14
Since
2016
  1. 20-04-2026Incorporation · Founder
  2. 16-01-2026General meeting · Other statement
  3. 16-01-2026General meeting · Other statement
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Certified accountants and tax accountantsNACE 69201
Founded
03-07-1978
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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