BCV CONSTRUCT
ActiveSummary
BCV CONSTRUCT has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €364,276 and a net result of €10,332. Equity is growing by about 8.6% per year across the filed financial years. Its solvency ranks better than 88% of 1,286 sector peers (NACE 95, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Financials · financial year 2025, abbreviated format
2025 annual accounts filed late (10 days) Filed on 10 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00393180.
Equity
€364,276▲ 2.9%
2024 · €353,944
Total assets
€435,899▼ 11.1%
2024 · €490,195
Net result
€10,332▲ 5.5%
2024 · €9,794
Working capital
€27,642▲ 69.8%
2024 · €16,281
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result recovers in 2025; 2025 is 16% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€17,894
2025
Net result€10,332
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€435,899
2025
Equity€364,276
2025
Debt€71,624
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€27,642
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)2.4%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency83.6%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio1.39
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€24,075-€29,514▲ 22.6%€25,295▼ 14.3%€64,081▲ 153%€30,185▼ 52.9%€31,166▲ 3.2%€15,474▼ 50.3%€17,894▲ 15.6%
Net result€29,628-€32,200▲ 8.7%€34,686within the sector's middle half▲ 7.7%€45,421within the sector's middle half▲ 30.9%€70,280within the sector's middle half▲ 54.7%€21,594within the sector's middle half▼ 69.3%€9,794within the sector's middle half▼ 54.6%€10,332within the sector's middle half▲ 5.5%
Equity€201,796-€233,996▲ 16.0%€268,682within the sector's middle half▲ 14.8%€314,102within the sector's middle half▲ 16.9%€384,383within the sector's middle half▲ 22.4%€405,977within the sector's middle half▲ 5.6%€353,944within the sector's middle half▼ 12.8%€364,276within the sector's middle half▲ 2.9%
Total assets€487,391-€419,466▼ 13.9%€421,989below the sector's middle half▲ 0.6%€537,204within the sector's middle half▲ 27.3%€514,962within the sector's middle half▼ 4.1%€463,495below the sector's middle half▼ 10.0%€490,195below the sector's middle half▲ 5.8%€435,899within the sector's middle half▼ 11.1%
Debt€285,594-€185,470▼ 35.1%€153,307▼ 17.3%€223,102▲ 45.5%€130,579▼ 41.5%€57,518▼ 56.0%€136,251▲ 137%€71,624▼ 47.4%
Working capital-€188,590--€153,265▲ 18.7%-€115,751below the sector's middle half▲ 24.5%-€8,943below the sector's middle half▲ 92.3%€61,338within the sector's middle half€67,635within the sector's middle half▲ 10.3%€16,281below the sector's middle half▼ 75.9%€27,642within the sector's middle half▲ 69.8%
Solvency41.4%-55.8%▲ 14.4pp63.7%above the sector's middle half▲ 7.9pp58.5%within the sector's middle half▼ 5.2pp74.6%above the sector's middle half▲ 16.2pp87.6%above the sector's middle half▲ 12.9pp72.2%above the sector's middle half▼ 15.4pp83.6%above the sector's middle half▲ 11.4pp
Current ratio0.25-0.08▼ 0.170.23below the sector's middle half▲ 0.140.96below the sector's middle half▲ 0.731.52within the sector's middle half▲ 0.562.18within the sector's middle half▲ 0.661.12within the sector's middle half▼ 1.061.39within the sector's middle half▲ 0.27
Return on assets (ROA)6.1%-7.7%▲ 1.6pp8.2%within the sector's middle half▲ 0.5pp8.5%within the sector's middle half▲ 0.2pp13.6%above the sector's middle half▲ 5.2pp4.7%within the sector's middle half▼ 9.0pp2.0%within the sector's middle half▼ 2.7pp2.4%within the sector's middle half▲ 0.4pp
above
within
below
the middle half of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €435,899
Fixed assets
€336,982 ▼ 0.2%
Current assets
€98,917 ▼ 35.2%
Equity and liabilities €435,899
Equity
€364,276 ▲ 2.9%
Debt
€71,624 ▼ 47.4%
Debt's share of the balance-sheet total falls from 27.8% to 16.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18,574▲
2024 · €16,154
Cash flow
€11,012▲
2024 · €10,474
Debt to equity
0.20▼
2024 · 0.38
ROE
2.8%▲
2024 · 2.8%
Interest coverage
7.09▲
2024 · 4.48
Debt ≤ 1 year
€71,275▼
2024 · €136,251
Income taxes
€4,942▲
2024 · €4,911
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,719 | €17,719 | €17,719 | - | - | €103 | €680 | €680 | = |
| Other operating charges640/8 | - | - | - | €145 | €0 | - | - | €157 | - |
| Gross operating margin9900 | €41,989 | €47,379 | €43,159 | €64,227 | €30,185 | €31,269 | €16,154 | €18,730 | ▲ 15.9% |
| Operating profit (loss)9901 | €24,075 | €29,514 | €25,295 | €64,081 | €30,185 | €31,166 | €15,474 | €17,894 | ▲ 15.6% |
| Financial income75/76B | - | - | - | - | €60,722 | €1,649 | €2,840 | €0 | ▼ 100% |
| Recurring financial income75 | €19,787 | €15,000 | €15,000 | - | €60,722 | €1,649 | €2,840 | €0 | ▼ 100% |
| Financial charges65/66B | - | - | - | €866 | €8,603 | €2,508 | €3,608 | €2,620 | ▼ 27.4% |
| Recurring financial charges65 | €2,507 | €3,410 | €1,037 | €866 | €8,603 | €2,508 | €3,608 | €2,620 | ▼ 27.4% |
| Profit (loss) for the period before taxes9903 | €41,355 | €41,104 | €39,257 | €63,216 | €82,305 | €30,307 | €14,706 | €15,274 | ▲ 3.9% |
| Income taxes67/77 | €11,727 | €8,904 | €4,572 | €17,795 | €12,024 | €8,712 | €4,911 | €4,942 | ▲ 0.6% |
| Profit (loss) for the period9904 | €29,628 | €32,200 | €34,686 | €45,421 | €70,280 | €21,594 | €9,794 | €10,332 | ▲ 5.5% |
| Profit (loss) for the period to be appropriated9905 | €29,628 | €32,200 | €34,686 | €45,421 | €70,280 | €21,594 | €9,794 | €10,332 | ▲ 5.5% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €487,391 | €419,466 | €421,989 | €537,204 | €514,962 | €463,495 | €490,195 | €435,899 | ▼ 11.1% |
| Fixed assets21/28 | €423,642 | €405,923 | €388,203 | €335,045 | €335,045 | €338,342 | €337,662 | €336,982 | ▼ 0.2% |
| Tangible fixed assets22/27 | €88,597 | €70,878 | €53,158 | - | - | €3,297 | €2,617 | €1,937 | ▼ 26.0% |
| Furniture and vehicles24 | - | - | - | - | - | €3,297 | €2,617 | €1,937 | ▼ 26.0% |
| Financial fixed assets28 | €335,045 | €335,045 | €335,045 | €335,045 | €335,045 | €335,045 | €335,045 | €335,045 | = |
| Current assets29/58 | €63,749 | €13,543 | €33,786 | €202,159 | €179,917 | €125,153 | €152,532 | €98,917 | ▼ 35.2% |
| Amounts receivable within one year40/41 | €62,138 | €1,653 | €29,174 | €81,894 | €167,897 | €124,438 | €142,046 | €96,169 | ▼ 32.3% |
| Trade receivables40 | - | - | - | €81,894 | €148,332 | €77,590 | €84,500 | €86,955 | ▲ 2.9% |
| Other amounts receivable41 | - | - | - | - | €19,565 | €46,848 | €57,546 | €9,214 | ▼ 84.0% |
| Cash at bank and in hand54/58 | €1,611 | €11,890 | €4,612 | €120,266 | €12,020 | €715 | €10,487 | €1,699 | ▼ 83.8% |
| Deferred charges and accrued income490/1 | - | - | - | - | - | - | - | €1,049 | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €487,391 | €419,466 | €421,989 | €537,204 | €514,962 | €463,495 | €490,195 | €435,899 | ▼ 11.1% |
| Equity10/15 | €201,796 | €233,996 | €268,682 | €314,102 | €384,383 | €405,977 | €353,944 | €364,276 | ▲ 2.9% |
| Contributions10/11 | €33,500 | €33,500 | - | €33,500 | €33,500 | €33,500 | €33,500 | €33,500 | = |
| Reserves13 | €32,978 | €65,178 | €99,864 | €145,284 | €215,565 | €237,159 | €185,126 | €195,458 | ▲ 5.6% |
| Non-distributable reserves130/1 | - | - | - | €3,350 | €3,350 | €0 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €3,350 | €3,350 | €0 | - | - | - |
| Distributable reserves133 | - | - | - | €141,934 | €212,215 | €237,159 | €185,126 | €195,458 | ▲ 5.6% |
| Profit (loss) carried forward14 | €135,318 | €135,318 | €135,318 | €135,318 | €135,318 | €135,318 | €135,318 | €135,318 | = |
| Amounts payable17/49 | €285,594 | €185,470 | €153,307 | €223,102 | €130,579 | €57,518 | €136,251 | €71,624 | ▼ 47.4% |
| Amounts payable after more than one year17 | €33,255 | €18,662 | €3,770 | - | - | - | - | - | - |
| Amounts payable within one year42/48 | €252,339 | €166,808 | €149,537 | €211,102 | €118,579 | €57,518 | €136,251 | €71,275 | ▼ 47.7% |
| Current portion of amounts payable after more than one year42 | - | - | - | €22,246 | €25,000 | €0 | - | - | - |
| Trade debts44 | €38,774 | €19,597 | €37,983 | €43,963 | €47,985 | €40,459 | €55,665 | €65,496 | ▲ 17.7% |
| Suppliers440/4 | - | - | - | €43,963 | €47,985 | €40,459 | €55,665 | €65,496 | ▲ 17.7% |
| Taxes, remuneration and social security45 | - | - | - | €47,057 | €33,739 | €17,059 | €18,759 | €4,439 | ▼ 76.3% |
| Taxes450/3 | - | - | - | €43,548 | €33,739 | €17,059 | €18,759 | €748 | ▼ 96.0% |
| Remuneration and social security454/9 | - | - | - | €3,509 | €0 | - | - | €3,690 | - |
| Other amounts payable47/48 | - | - | - | €97,837 | €11,856 | €0 | €61,828 | €1,340 | ▼ 97.8% |
| Accrued charges and deferred income492/3 | - | - | - | €12,000 | €12,000 | €0 | - | €348 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €29,628 | €32,200 | €34,686 | €45,421 | €70,280 | €21,594 | €9,794 | €10,332 | ▲ 5.5% |
| + Depreciation and write-downs630 | €17,719 | €17,719 | €17,719 | - | - | €103 | €680 | €680 | = |
| Operating cash flow (approximation) | €47,348 | €49,919 | €52,405 | €45,421 | €70,280 | €21,697 | €10,474 | €11,012 | ▲ 5.1% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €53,158 | €0 | -€3,400 | €0 | €0 | - |
| Change in cash | - | €10,279 | -€7,278 | €115,654 | -€108,246 | -€11,304 | €9,771 | -€8,788 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 16 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 10-08-2026 | 2026-00393180 |
| 31-12-2024 | abbreviated format | 11-08-2025 | 2025-00372375 |
| 31-12-2023 | abbreviated format | 23-09-2024 | 2024-00470175 |
| 31-12-2022 | abbreviated format | 10-10-2023 | 2023-00483972 |
| 31-12-2021 | abbreviated format | 03-11-2022 | 2022-20485523 |
| 31-12-2020 | abbreviated format | 23-08-2021 | 2021-51700070 |
| 31-12-2019 | abbreviated format | 03-08-2020 | 2020-38700425 |
| 31-12-2018 | abbreviated format | 08-08-2019 | 2019-44700102 |
| 31-12-2017 | abbreviated format | 27-09-2018 | 2018-65300145 |
| 31-12-2016 | abbreviated format | 30-08-2017 | 2017-54000523 |
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Of the 7,279 active companies whose main activity is general maintenance and repair of cars and light vans (up to 3.5 tonnes) (NACE 95311), figures are known for 2,968. 2,183 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.