BdV ImG
ActiveSummary
BdV ImG has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74,706 and a net result of €54,709. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 35% of 708 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability80▼-4
Solvency38▲+9
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity tight (current ratio 1.37 against 0.98 in 2024; short-term debt: 24.9% and cash: 7.6% of total assets), and 87.2% of the assets are financed with debt.
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Signals
Six 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
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
12.8%
Return on assets
9.4%
Age of the figures
9 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
Accommodation (NACE 55)
about 6% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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
17 d late
2024
2 d early
2023
13 d early
2022
28 d late
2021
31 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 45% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 17 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#5 oldest company in Profondeville, Accommodation and food service sector#10 company by total assets in Profondeville, Accommodation and food service sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€54,709▼ 21.9%
2024 · €70,027
Working capital
€54,267
2024 · -€2,786
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 55, Accommodation, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€21,431€34,270▲ 59.9%€42,864▲ 25.1%€103,024▲ 140%€75,860▼ 26.4%
Net result€6,923within the sector's middle half€18,682within the sector's middle half▲ 170%€22,100within the sector's middle half▲ 18.3%€70,027within the sector's middle half▲ 217%€54,709within the sector's middle half▼ 21.9%
Equity-€76,492below the sector's middle half▲ 6.8%-€58,610below the sector's middle half▲ 23.4%-€37,310below the sector's middle half▲ 36.3%€21,481within the sector's middle half€74,706within the sector's middle half▲ 248%
Total assets€686,873below the sector's middle half▼ 13.2%€619,764below the sector's middle half▼ 9.8%€604,044below the sector's middle half▼ 2.5%€558,492below the sector's middle half▼ 7.5%€582,516within the sector's middle half▲ 4.3%
Debt€763,365▼ 12.6%€678,373▼ 11.1%€641,354▼ 5.5%€537,012▼ 16.3%€507,810▼ 5.4%
Working capital-€29,854within the sector's middle half▲ 9.0%-€39,408within the sector's middle half▼ 32.0%-€55,791within the sector's middle half▼ 41.6%-€2,786within the sector's middle half▲ 95.0%€54,267within the sector's middle half
Solvency-11.1%below the sector's middle half▼ 0.8pp-9.5%below the sector's middle half▲ 1.7pp-6.2%below the sector's middle half▲ 3.3pp3.8%within the sector's middle half▲ 10.0pp12.8%within the sector's middle half▲ 9.0pp
Current ratio0.82within the sector's middle half▼ 0.010.76within the sector's middle half▼ 0.060.70within the sector's middle half▼ 0.060.98within the sector's middle half▲ 0.281.37within the sector's middle half▲ 0.39
Return on assets (ROA)1.0%within the sector's middle half▲ 23.8pp3.0%within the sector's middle half▲ 2.0pp3.7%within the sector's middle half▲ 0.6pp12.5%above the sector's middle half▲ 8.9pp9.4%above the sector's middle half▼ 3.1pp
Staff (FTE)1.7below the sector's middle half=1.8below the sector's middle half▲ 5.9%1.8below the sector's middle half=1.8below the sector's middle half=1.8within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 55, Accommodation, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €582,516
Fixed assets
€382,990 ▼ 8.1%
Current assets
€199,526 ▲ 40.9%
Equity and liabilities €582,516
Equity
€74,706 ▲ 248%
Debt
€507,810 ▼ 5.4%
Debt's share of the balance-sheet total falls from 96.2% to 87.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€133,574▼
2024 · €162,552
Cash flow
€112,423▼
2024 · €129,555
Quick ratio
1.35▲
2024 · 0.97
Debt to equity
6.80▼
2024 · 25.00
ROE
73.2%▼
2024 · 326.0%
Interest coverage
12.78▼
2024 · 12.94
Debt ≤ 1 year
€145,259▲
2024 · €144,370
Debt > 1 year
€357,328▼
2024 · €389,733
Income taxes
€16,195▼
2024 · €24,616
Staff costs
€84,985▼
2024 · €92,748
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,818 companies that looked in July 2024 the way this one looks now, 1.0% went bankrupt within 24 months and 95% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.0%
went bankrupt
3.7%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,818 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €75,467 | €79,580 | €85,921 | €92,748 | €84,985 | ▼ 8.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €67,219 | €62,909 | €59,790 | €59,528 | €57,714 | ▼ 3.0% |
| Other operating charges640/8 | €5,954 | €6,134 | €6,047 | €8,186 | €6,525 | ▼ 20.3% |
| Non-recurring operating charges66A | €0 | - | - | - | - | - |
| Gross operating margin9900 | €170,072 | €182,892 | €194,622 | €263,486 | €225,083 | ▼ 14.6% |
| Operating profit (loss)9901 | €21,431 | €34,270 | €42,864 | €103,024 | €75,860 | ▼ 26.4% |
| Financial income75/76B | €2,394 | €3,296 | €3,139 | €4,178 | €5,497 | ▲ 31.6% |
| Recurring financial income75 | €2,394 | €3,296 | €3,139 | €4,178 | €5,497 | ▲ 31.6% |
| Financial charges65/66B | €16,507 | €14,722 | €13,267 | €12,558 | €10,453 | ▼ 16.8% |
| Recurring financial charges65 | €16,507 | €14,722 | €13,267 | €12,558 | €10,453 | ▼ 16.8% |
| Profit (loss) for the period before taxes9903 | €7,318 | €22,844 | €32,736 | €94,644 | €70,904 | ▼ 25.1% |
| Income taxes67/77 | €395 | €4,162 | €10,637 | €24,616 | €16,195 | ▼ 34.2% |
| Profit (loss) for the period9904 | €6,923 | €18,682 | €22,100 | €70,027 | €54,709 | ▼ 21.9% |
| Profit (loss) for the period to be appropriated9905 | €6,923 | €18,682 | €22,100 | €70,027 | €54,709 | ▼ 21.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €686,873 | €619,764 | €604,044 | €558,492 | €582,516 | ▲ 4.3% |
| Fixed assets21/28 | €548,596 | €492,839 | €473,821 | €416,909 | €382,990 | ▼ 8.1% |
| Intangible fixed assets21 | €1,816 | €1,264 | €712 | €160 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €546,212 | €491,007 | €472,541 | €415,881 | €382,122 | ▼ 8.1% |
| Land and buildings22 | €505,770 | €455,151 | €444,648 | €399,480 | €375,227 | ▼ 6.1% |
| Plant, machinery and equipment23 | €34,374 | €26,295 | €21,786 | €12,559 | €4,822 | ▼ 61.6% |
| Furniture and vehicles24 | €6,068 | €9,562 | €6,107 | €3,842 | €2,073 | ▼ 46.1% |
| Financial fixed assets28 | €568 | €568 | €568 | €868 | €868 | = |
| Current assets29/58 | €138,278 | €126,925 | €130,223 | €141,584 | €199,526 | ▲ 40.9% |
| Amounts receivable after more than one year29 | €62,500 | €62,500 | €62,500 | €0 | €62,500 | - |
| Other amounts receivable291 | €62,500 | €62,500 | €62,500 | €0 | €62,500 | - |
| Stocks and contracts in progress3 | €2,084 | €1,542 | €2,569 | €2,103 | €4,000 | ▲ 90.2% |
| Stocks30/36 | €2,084 | €1,542 | €2,569 | €2,103 | €4,000 | ▲ 90.2% |
| Amounts receivable within one year40/41 | €28,584 | €33,188 | €41,338 | €123,707 | €78,688 | ▼ 36.4% |
| Trade receivables40 | €911 | €5,839 | €6,898 | €2,282 | €25,355 | ▲ 1,011% |
| Other amounts receivable41 | €27,672 | €27,349 | €34,441 | €121,425 | €53,333 | ▼ 56.1% |
| Cash at bank and in hand54/58 | €20,173 | €23,043 | €17,811 | €8,994 | €44,359 | ▲ 393% |
| Deferred charges and accrued income490/1 | €24,936 | €6,651 | €6,005 | €6,780 | €9,979 | ▲ 47.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €686,873 | €619,764 | €604,044 | €558,492 | €582,516 | ▲ 4.3% |
| Equity10/15 | -€76,492 | -€58,610 | -€37,310 | €21,481 | €74,706 | ▲ 248% |
| Contributions10/11 | €12,450 | €12,450 | €12,450 | €12,450 | €12,450 | = |
| Reserves13 | €30,610 | €30,610 | €51,910 | €79,910 | €79,910 | = |
| Non-distributable reserves130/1 | €1,860 | €0 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €0 | - | - | - | - |
| Tax-exempt reserves132 | €18,750 | €18,750 | €18,750 | €18,750 | €18,750 | = |
| Distributable reserves133 | €10,000 | €11,860 | €33,160 | €61,160 | €61,160 | = |
| Profit (loss) carried forward14 | -€119,552 | -€101,670 | -€101,670 | -€70,879 | -€17,654 | ▲ 75.1% |
| Amounts payable17/49 | €763,365 | €678,373 | €641,354 | €537,012 | €507,810 | ▼ 5.4% |
| Amounts payable after more than one year17 | €595,234 | €512,041 | €454,899 | €389,733 | €357,328 | ▼ 8.3% |
| Financial debts170/4 | €595,234 | €512,041 | €454,899 | €389,733 | €357,328 | ▼ 8.3% |
| Amounts payable within one year42/48 | €168,132 | €166,333 | €186,014 | €144,370 | €145,259 | ▲ 0.6% |
| Current portion of amounts payable after more than one year42 | €105,481 | €100,363 | €98,884 | €80,210 | €54,842 | ▼ 31.6% |
| Financial debts43 | - | - | - | €2,738 | €0 | ▼ 100% |
| Credit institutions430/8 | - | - | - | €2,738 | €0 | ▼ 100% |
| Trade debts44 | €50,592 | €46,157 | €50,374 | €19,983 | €52,303 | ▲ 162% |
| Suppliers440/4 | €50,592 | €46,157 | €50,374 | €19,983 | €52,303 | ▲ 162% |
| Advances received on contracts in progress46 | - | €4,301 | €6,471 | €1,004 | €2,700 | ▲ 169% |
| Taxes, remuneration and social security45 | €10,146 | €15,511 | €26,784 | €30,435 | €35,414 | ▲ 16.4% |
| Taxes450/3 | €634 | €4,687 | €14,923 | €16,797 | €22,135 | ▲ 31.8% |
| Remuneration and social security454/9 | €9,512 | €10,824 | €11,861 | €13,638 | €13,279 | ▼ 2.6% |
| Other amounts payable47/48 | €1,913 | €0 | €3,500 | €10,000 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €0 | - | €441 | €2,908 | €5,223 | ▲ 79.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,923 | €18,682 | €22,100 | €70,027 | €54,709 | ▼ 21.9% |
| + Depreciation and write-downs630 | €67,219 | €62,909 | €59,790 | €59,528 | €57,714 | ▼ 3.0% |
| Operating cash flow (approximation) | €74,143 | €81,591 | €81,890 | €129,555 | €112,423 | ▼ 13.2% |
| Investment in fixed assets (approximation) | - | -€7,152 | -€40,772 | -€2,615 | -€23,795 | ▼ 810% |
| Change in cash | - | €2,870 | -€5,232 | -€8,817 | €35,364 | ▲ 501% |
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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 17 days late
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €70,027 ▲217%
Operating result €103,024, net result €70,027, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Back to profitnet €6,923
Net result €6,923 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet -€180,071
Net result drops to -€180,071, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-12
Financial
Back to profitnet €29,917
Net result €29,917 after one loss-making year.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 14 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 16 days late
2016
23-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Profondeville · 2 establishment units since 2004
Ground area
3,338 m²
Building footprint
226 m²
Volume, LiDAR
2,065 m³
2 parcels, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
BDV DENTAIRE
since 20042.168.851.605
Bistrote - Source du Suary
since 20202.299.938.492
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92014C0661/00K000 | Wallonia | 1,878 m² | - | - |
| 92135H0319/00H000 | Wallonia | 1,460 m² | 1 · 226 m² | 11.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNamur2.299.938.492
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Of 3,005 companies in this sector we hold annual accounts for 694. 520 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded09-01-2004
Fiscal year end31-12
Activities, NACEBEL 2025
55203Holiday cottages, homes and apartments
86230Dental practice
Contact
E-mail
geraldinemarchal@skynet.beNamur
Phone
+32496546153Namur
E-invoicing
Reachable via Peppol
Peppol ID
0208:0862564778
Also
9925:BE0862564778
Registered
03-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.