BDV CONSULT
ActiveSummary
BDV CONSULT has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.29M and a net result of €501k. Equity is growing by ~23.5% per year across the filed fiscal years. Its solvency ranks better than 75% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability90▲+6
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days acceptable
Liquidity ample (current ratio 15.45 against 11.84 in 2024; short-term debt: 4.3% and cash: 26.9% of total assets), and 21.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
78.8%
Return on assets
17.3%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-12-2025, 121 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
121 d early
2024
151 d early
2023
119 d early
2022
73 d early
2021
112 d early
2020
128 d early
2019
26 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.29M▲ 21.9%
2024 · €1.87M
Total assets
€2.90M▲ 17.2%
2024 · €2.47M
Net result
€501k▲ 64.6%
2024 · €305k
Working capital
€1.79M▲ 72.4%
2024 · €1.04M
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€369k▲ 58.7%€372k▲ 0.9%€438k▲ 17.5%€399k▼ 8.8%€668k▲ 67.5%
Net result€264k▲ 70.3%€258k▼ 2.3%€317k▲ 23.1%€305k▼ 3.9%€501k▲ 64.6%
Equity€1.00M▲ 34.4%€1.26M▲ 25.4%€1.57M▲ 25.0%€1.87M▲ 19.4%€2.29M▲ 21.9%
Total assets€1.52M▲ 11.4%€1.77M▲ 16.5%€2.08M▲ 17.4%€2.47M▲ 19.0%€2.90M▲ 17.2%
Debt€443k▼ 10.4%€444k▲ 0.3%€443k▼ 0.2%€538k▲ 21.3%€549k▲ 2.1%
Working capital€388k▲ 57.1%€725k▲ 86.7%€1.09M▲ 50.7%€1.04M▼ 5.0%€1.79M▲ 72.4%
Staff (FTE)0.8▼ 11.1%1▲ 25.0%1=0.5▼ 50.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 67% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.90M
Fixed assets
€987k ▼ 26.3%
Current assets
€1.91M ▲ 68.8%
Equity and liabilities €2.90M
Equity
€2.29M ▲ 21.9%
Provisions
€66k ▲ 6.2%
Debt
€549k ▲ 2.1%
Debt's share of the balance-sheet total falls from 21.7% to 18.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€743k▲
2024 · €471k
Cash flow
€576k▲
2024 · €377k
Current ratio
15.45▲
2024 · 11.84
Debt to equity
0.24▼
2024 · 0.29
ROE
21.9%▲
2024 · 16.2%
ROA
17.3%▲
2024 · 12.3%
Interest coverage
21.19▼
2024 · 21.95
Debt ≤ 1 year
€124k▲
2024 · €96k
Debt > 1 year
€425k▼
2024 · €442k
Income taxes
€178k▲
2024 · €135k
Staff costs
€-115▼
2024 · €21k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €36k | - |
| Remuneration, social security and pensions62 | - | €33k | €35k | €21k | €-115 | ▼ 101% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €65k | €79k | €63k | €72k | €75k | ▲ 4.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €32k | - | - |
| Other operating charges640/8 | - | €7k | €6k | €9k | €6k | ▼ 32.8% |
| Gross operating margin9900 | €416k | €491k | €542k | €533k | €749k | ▲ 40.5% |
| Operating profit (loss)9901 | €369k | €372k | €438k | €399k | €668k | ▲ 67.5% |
| Financial income75/76B | - | €2k | €11k | €58k | €50k | ▼ 12.5% |
| Recurring financial income75 | €8k | €2k | €11k | €58k | €50k | ▼ 12.5% |
| Financial charges65/66B | - | €7k | €7k | €21k | €35k | ▲ 63.4% |
| Recurring financial charges65 | €5k | €7k | €7k | €21k | €35k | ▲ 63.4% |
| Profit (loss) for the period before taxes9903 | €373k | €368k | €442k | €435k | €683k | ▲ 57.1% |
| Transfer from deferred taxes780 | - | €5k | €5k | €5k | €34k | ▲ 657% |
| Transfer to deferred taxes680 | - | - | - | - | €38k | - |
| Income taxes67/77 | €113k | €115k | €129k | €135k | €178k | ▲ 32.0% |
| Profit (loss) for the period9904 | €264k | €258k | €317k | €305k | €501k | ▲ 64.6% |
| Transfer from tax-exempt reserves789 | - | €80k | €14k | €143k | €114k | ▼ 20.5% |
| Transfer to tax-exempt reserves689 | - | - | €126k | €105k | €220k | ▲ 109% |
| Profit (loss) for the period to be appropriated9905 | €97k | €338k | €204k | €342k | €395k | ▲ 15.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.52M | €1.77M | €2.08M | €2.47M | €2.90M | ▲ 17.2% |
| Fixed assets21/28 | €1.02M | €972k | €914k | €1.34M | €987k | ▼ 26.3% |
| Intangible fixed assets21 | €156k | €131k | €106k | €81k | €56k | ▼ 30.7% |
| Tangible fixed assets22/27 | €868k | €841k | €807k | €1.26M | €930k | ▼ 26.1% |
| Land and buildings22 | - | €825k | €792k | €1.11M | €815k | ▼ 26.7% |
| Furniture and vehicles24 | - | €16k | €15k | €146k | €115k | ▼ 21.5% |
| Financial fixed assets28 | - | - | - | €950 | €1k | ▲ 52.6% |
| Current assets29/58 | €495k | €799k | €1.17M | €1.13M | €1.91M | ▲ 68.8% |
| Amounts receivable after more than one year29 | - | - | €86k | - | - | - |
| Other amounts receivable291 | - | - | €86k | - | - | - |
| Amounts receivable within one year40/41 | €82k | €116k | €91k | €170k | €135k | ▼ 20.8% |
| Trade receivables40 | - | €79k | €91k | €70k | €70k | ▼ 0.5% |
| Other amounts receivable41 | - | €37k | €153 | €100k | €65k | ▼ 35.0% |
| Current investments50/53 | €41k | €256k | €818k | €707k | €975k | ▲ 37.9% |
| Cash at bank and in hand54/58 | €372k | €427k | €171k | €243k | €781k | ▲ 221% |
| Deferred charges and accrued income490/1 | - | - | - | €13k | €22k | ▲ 69.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.52M | €1.77M | €2.08M | €2.47M | €2.90M | ▲ 17.2% |
| Equity10/15 | €1.00M | €1.26M | €1.57M | €1.87M | €2.29M | ▲ 21.9% |
| Contributions10/11 | - | €12k | €12k | €12k | €12k | = |
| Reserves13 | €989k | €1.24M | €1.56M | €1.86M | €2.27M | ▲ 22.1% |
| Tax-exempt reserves132 | - | €468k | €581k | €543k | €649k | ▲ 19.5% |
| Distributable reserves133 | - | €775k | €977k | €1.32M | €1.62M | ▲ 23.1% |
| Provisions and deferred taxes16 | €75k | €71k | €66k | €62k | €66k | ▲ 6.2% |
| Deferred taxes168 | - | €71k | €66k | €62k | €66k | ▲ 6.2% |
| Amounts payable17/49 | €443k | €444k | €443k | €538k | €549k | ▲ 2.1% |
| Amounts payable after more than one year17 | €335k | €370k | €370k | €442k | €425k | ▼ 3.9% |
| Financial debts170/4 | - | €370k | €370k | €442k | €425k | ▼ 3.9% |
| Amounts payable within one year42/48 | €107k | €74k | €73k | €96k | €124k | ▲ 29.4% |
| Current portion of amounts payable after more than one year42 | - | - | - | €17k | €17k | ▲ 3.8% |
| Trade debts44 | €5k | €4k | €8k | €6k | €6k | ▲ 1.0% |
| Suppliers440/4 | - | €4k | €8k | €6k | €6k | ▲ 1.0% |
| Taxes, remuneration and social security45 | - | €71k | €63k | €48k | €75k | ▲ 57.1% |
| Taxes450/3 | - | €66k | €58k | €48k | €75k | ▲ 57.1% |
| Remuneration and social security454/9 | - | €5k | €5k | - | - | - |
| Other amounts payable47/48 | - | - | €2k | €25k | €25k | = |
| Accrued charges and deferred income492/3 | - | - | - | - | €784 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €264k | €258k | €317k | €305k | €501k | ▲ 64.6% |
| + Depreciation and write-downs630 | €65k | €79k | €63k | €72k | €75k | ▲ 4.3% |
| Operating cash flow (approximation) | €329k | €336k | €380k | €377k | €576k | ▲ 53.0% |
| Investment in fixed assets (approximation) | - | €-26k | €-5k | €-499k | €277k | ▲ 156% |
| Change in cash | - | €55k | €-256k | €73k | €537k | ▲ 640% |
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
15-07
State Gazette act
Incorporation · Founder
Founding capital · Bank account
2025
30-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-09
Financial
Highest result since 2018net €501k ▲64.6%
Operating result €668k, net result €501k, both a record.
30-09
Financial
Equity above €2MEq €2.29M ▲21.9%
8 profitable years in a row build equity to €2.29M.
2024
30-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
02-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity doublescurrent ratio 10.77
Current ratio from 4.62 to 10.77; short-term debt falls from €107k to €74k.
08-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity doublescurrent ratio 4.62
Current ratio from 2.12 to 4.62; short-term debt falls from €220k to €107k.
30-09
Financial
Equity above €1MEq €1.00M ▲34.4%
4 profitable years in a row build equity to €1.00M.
2020
23-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
04-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Liquidity doublescurrent ratio 2.02
Current ratio from 0.87 to 2.02; short-term debt falls from €318k to €157k.
30-09
Financial
Equity above €500kEq €592k ▲68.7%
2 profitable years in a row build equity to €592k.
21-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Kortrijk · 1 establishment unit since 2001
Ground area
9,215 m²
Building footprint
3,590 m²
Volume, LiDAR
49,165 m³
Parcel 34353B0083/00Y004, Flanders · tallest building 21.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Spinnerijkaai(Kor) 45, 8500 Kortrijk
since 20012.093.356.010
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34353B0083/00Y004 | Flanders | 9,215 m² | 1 · 3,590 m² | 21.6 m · 5 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 2,180 EUR awarded · 2,480 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 761 EUR | 950 EUR |
| 2024 | 1 | 482 EUR | 293 EUR |
| 2023 | 1 | 243 EUR | 543 EUR |
| 2022 | 1 | 694 EUR | 694 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
984500S7U37409B76B20
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 2,802 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
Founded22-08-2000
Fiscal year end30-09
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Scores and ratios are computed by Checked and are not a credit decision.