B.V.N.C.
ActiveB.V.N.C. has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €216k and a net result of €-50k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 61% of 1299 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▼-59
Solvency58▼-10
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.38 against 0.42 in 2024; short-term debt: 67% and cash: 12.4% of total assets), and 67% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 2025Solvency, return and age of the figures
Solvency
33%
Return on assets
-7.6%
Age of the figures
15 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-50k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
3 d early
2022
1 d early
2021
3 d early
2020
38 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€266k
EBIT margin
16.1%
Net result
€-50k▼ 3,912%
2024 · €-1k
2019: €22k
2020: €29k
2021: €27k
2022: €55k
2023: €-36k
2024: €-1k
2019 → 2025
Working capital
€-271k▼ 35.2%
2024 · €-200k
2019: €-81k
2020: €-77k
2021: €-45k
2022: €10k
2023: €-193k
2024: €-200k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€249k-€304k▲ 22.2%€268k▼ 11.9%€266k▼ 0.5%€216k▼ 18.8%
Operating result€43k-€60k▲ 39.2%€-35k€4k€-46k
Net result€27k-€55k▲ 103%€-36k€-1k▲ 96.6%€-50k▼ 3,912%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €46k after €4k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €655k
Fixed assets
€487k▲ 4.1%
Current assets
€168k▲ 14.8%
Equity and liabilities €655k
Equity
€216k▼ 18.8%
Debt
€439k▲ 26.1%
The debt ratio rises from 56.7% to 67.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-2k▼
2024 · €43k
Cash flow
€-5k▼
2024 · €39k
Solvency
33.0%▼
2024 · 43.3%
Current ratio
0.38▼
2024 · 0.42
Quick ratio
0.36▼
2024 · 0.38
Debt / equity
2.03▲
2024 · 1.31
ROE
-23.1%▼
2024 · -0.5%
ROA
-7.6%▼
2024 · -0.2%
Interest coverage
-0.34▼
2024 · 8.88
Debt
€439k▲
2024 · €348k
Debt ≤ 1 year
€439k▲
2024 · €347k
Staff costs
€16k▼
2024 · €60k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€615k€655k▲
Fixed assets21/28€468k€487k▲
Tangible fixed assets22/27€468k€487k▲
Land and buildings22€364k€401k▲
Plant, machinery and equipment23€19k€15k▼
Furniture and vehicles24€85k€72k▼
Current assets29/58€147k€168k▲
Stocks and contracts in progress3€15k€10k▼
Stocks30/36€15k€10k▼
Amounts receivable within one year40/41€78k€71k▼
Trade receivables40€65k€61k▼
Other amounts receivable41€13k€11k▼
Cash at bank and in hand54/58€47k€81k▲
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€615k€655k▲
Equity10/15€266k€216k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€241k€241k=
Non-distributable reserves130/1€8k€6k▼
Legal reserve130€6k€6k=
Other1319€2k-
Tax-exempt reserves132-€2k
Distributable reserves133€233k€233k=
Profit (loss) carried forward14€-37k€-87k▼
Amounts payable17/49€348k€439k▲
Amounts payable within one year42/48€347k€439k▲
Trade debts44€31k€43k▲
Suppliers440/4€31k€43k▲
Taxes, remuneration and social security45€4k-
Remuneration and social security454/9€4k-
Other amounts payable47/48€312k€396k▲
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Remuneration, social security and pensions62€60k€16k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€45k▲
Other operating charges640/8€10k€10k▼
Gross operating margin9900€114k€24k▼
Operating profit (loss)9901€4k€-46k▼
Financial income75/76B€0€1k▲
Recurring financial income75€0€1k▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€-1k€-50k▼
Profit (loss) for the period9904€-1k€-50k▼
Profit (loss) for the period to be appropriated9905€-1k€-50k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-37k€-87k▼
Profit (loss) brought forward from the previous period14P€-35k€-37k▼
Social balance
Average headcount (FTE)90871.0-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-50k
Net result drops to €-50k, the lowest in the series.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Highest result since 2019net €55k ▲103%
Operating result €60k, net result €55k, both a record.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
08-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 38 days late
31-03
Financial
Equity above €200kEq €221k ▲15.3%
2 profitable years in a row build equity to €221k.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Hamme (Vl.) · 1 establishment unit since 2010
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.
Damstraat 649220 Hamme (Vl.)Ground area
1,222 m²
Building footprint
473 m²
Volume, LiDAR
3,108 m³
Parcel 42452B1224/00P002, Flanders · tallest building 13.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B.V.N.C.
since 20102.192.351.141
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42452B1224/00P002 | Flanders | 1,222 m² | 1 · 473 m² | 13.4 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 24,401 EUR awarded · 24,401 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 7 EUR | 7 EUR |
| 2024 | 1 | 6,586 EUR | 6,586 EUR |
| 2023 | 1 | 9,338 EUR | 9,338 EUR |
| 2022 | 1 | 8,470 EUR | 8,470 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Recognitions · licences · registrations
Food safety, FASFC
1 siteHamme (O.-Vl.)2.192.351.141
Similar companies · same sector, comparable size
HOTEL DES ARDENNES VERVIERS
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LIMEINVEST
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DE GOLF
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R17
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Of 2,395 companies in sector 55100 we hold annual accounts for 1,516. 1,110 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded11-10-2010
Fiscal year end30-06
Activities, NACEBEL
55100Hotels and similar accommodation
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.