BDVV
ActiveSummary
BDVV has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €32,730 and a net result of €37,043. Equity is growing by ~38.4% per year across the filed fiscal years. Its solvency ranks better than 31% of 19362 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability66▲+26
Solvency35▲+11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days only on tighter terms
Liquidity ample (current ratio 2.32 against 1.65 in 2023; short-term debt: 43.1% and cash: 35% of total assets), but 89.8% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
10.2%
Return on assets
11.5%
Age of the figures
21 mo
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 31-12-2025, 153 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 · 9 filingsDeviation from the deadline
2025
not confirmed
2024
153 d late
2023
161 d late
2022
140 d late
2021
114 d late
2020
30 d late
2019
24 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 104 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€32,730
2023 · -€4,313
Total assets
€321,303▼ 13.5%
2023 · €371,433
Net result
€37,043▲ 765%
2023 · €4,282
Working capital
€182,665▲ 25.4%
2023 · €145,622
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
Line20202021202220232024
Operating result-€3,528▲ 53.0%€38,119€24,015▼ 37.0%€5,306▼ 77.9%€48,742▲ 819%
Net result-€9,717▲ 45.5%€31,209€20,849▼ 33.2%€4,282▼ 79.5%€37,043▲ 765%
Equity-€60,653▼ 19.1%-€29,444▲ 51.5%-€8,595▲ 70.8%-€4,313▲ 49.8%€32,730
Total assets€581,076▲ 21.4%€702,778▲ 20.9%€269,810▼ 61.6%€371,433▲ 37.7%€321,303▼ 13.5%
Debt€641,729▲ 21.2%€732,221▲ 14.1%€278,406▼ 62.0%€375,746▲ 35.0%€288,573▼ 23.2%
Working capital€475,669▲ 6.8%€520,491▲ 9.4%€141,340▼ 72.8%€145,622▲ 3.0%€182,665▲ 25.4%
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 2024; 2024 is 819% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €321,303
Fixed assets
€65 =
Current assets
€321,238 ▼ 13.5%
Equity and liabilities €321,303
Equity
€32,730
Debt
€288,573
Debt finances 89.8% of the balance-sheet total.
Key figures and ratios
Current ratio
2.32▲
2023 · 1.65
Quick ratio
1.07▲
2023 · 0.21
Debt to equity
8.82▲
2023 · -87.11
ROE
113.2%
ROA
11.5%▲
2023 · 1.2%
Debt ≤ 1 year
€138,573▼
2023 · €225,746
Debt > 1 year
€150,000=
2023 · €150,000
Income taxes
€13,584
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,049 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 96% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
2.3%
stopped otherwise
96%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 5,049 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | €1,106 | €1,793 | €1,259 | €1,265 | ▲ 0.5% |
| Gross operating margin9900 | -€1,264 | €39,225 | €25,808 | €6,566 | €50,007 | ▲ 662% |
| Operating profit (loss)9901 | -€3,528 | €38,119 | €24,015 | €5,306 | €48,742 | ▲ 819% |
| Financial income75/76B | - | - | - | €27 | €1,964 | ▲ 7,310% |
| Recurring financial income75 | €53 | - | - | €27 | €1,964 | ▲ 7,310% |
| Financial charges65/66B | - | €6,909 | €3,166 | €1,051 | €79 | ▼ 92.5% |
| Recurring financial charges65 | €6,243 | €6,909 | €3,166 | €1,051 | €79 | ▼ 92.5% |
| Profit (loss) for the period before taxes9903 | -€9,717 | €31,209 | €20,849 | €4,282 | €50,627 | ▲ 1,082% |
| Income taxes67/77 | - | - | - | - | €13,584 | - |
| Profit (loss) for the period9904 | -€9,717 | €31,209 | €20,849 | €4,282 | €37,043 | ▲ 765% |
| Profit (loss) for the period to be appropriated9905 | -€9,717 | €31,209 | €20,849 | €4,282 | €37,043 | ▲ 765% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €581,076 | €702,778 | €269,810 | €371,433 | €321,303 | ▼ 13.5% |
| Fixed assets21/28 | €13,678 | €65 | €65 | €65 | €65 | = |
| Tangible fixed assets22/27 | €13,613 | - | - | - | - | - |
| Financial fixed assets28 | €65 | €65 | €65 | €65 | €65 | = |
| Current assets29/58 | €567,398 | €702,713 | €269,745 | €371,368 | €321,238 | ▼ 13.5% |
| Stocks and contracts in progress3 | €551,008 | €432,688 | €260,211 | €325,031 | €173,291 | ▼ 46.7% |
| Stocks30/36 | - | €432,688 | €260,211 | €325,031 | €173,291 | ▼ 46.7% |
| Amounts receivable within one year40/41 | €1,957 | €429 | €833 | €960 | €15,003 | ▲ 1,462% |
| Trade receivables40 | - | - | - | - | €15,000 | - |
| Other amounts receivable41 | - | €429 | €833 | €960 | €3 | ▼ 99.7% |
| Cash at bank and in hand54/58 | €13,664 | €269,044 | €8,319 | €45,044 | €112,598 | ▲ 150% |
| Deferred charges and accrued income490/1 | - | €552 | €382 | €332 | €20,346 | ▲ 6,020% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €581,076 | €702,778 | €269,810 | €371,433 | €321,303 | ▼ 13.5% |
| Equity10/15 | -€60,653 | -€29,444 | -€8,595 | -€4,313 | €32,730 | ▲ 859% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | - | - | - | - | €26,530 | - |
| Distributable reserves133 | - | - | - | - | €26,530 | - |
| Profit (loss) carried forward14 | -€66,853 | -€35,644 | -€14,795 | -€10,513 | - | - |
| Amounts payable17/49 | €641,729 | €732,221 | €278,406 | €375,746 | €288,573 | ▼ 23.2% |
| Amounts payable after more than one year17 | €550,000 | €550,000 | €150,000 | €150,000 | €150,000 | = |
| Financial debts170/4 | - | €550,000 | €150,000 | €150,000 | €150,000 | = |
| Amounts payable within one year42/48 | €91,729 | €182,221 | €128,406 | €225,746 | €138,573 | ▼ 38.6% |
| Trade debts44 | €36,530 | €57,642 | €3,826 | €6,044 | €8,820 | ▲ 45.9% |
| Suppliers440/4 | - | €57,642 | €3,826 | €6,044 | €8,820 | ▲ 45.9% |
| Taxes, remuneration and social security45 | - | - | - | - | €55,173 | - |
| Taxes450/3 | - | - | - | - | €55,173 | - |
| Other amounts payable47/48 | - | €124,580 | €124,580 | €219,702 | €74,580 | ▼ 66.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€9,717 | €31,209 | €20,849 | €4,282 | €37,043 | ▲ 765% |
| Operating cash flow (approximation) | -€9,717 | €31,209 | €20,849 | €4,282 | €37,043 | ▲ 765% |
| Investment in fixed assets (approximation) | - | €13,613 | €0 | €0 | €0 | - |
| Change in cash | - | €255,380 | -€260,725 | €36,725 | €67,554 | ▲ 83.9% |
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
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 153 days late
08-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 161 days late
2024
31-12
Financial
Highest result since 2018net €37,043 ▲765%
Operating result €48,742, net result €37,043, both a record.
2023
18-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 140 days late
2022
22-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 114 days late
2021
31-12
Financial
Back to profitnet €31,209
Net result €31,209 after 3 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 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.
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Directors · office · real estate
Directors
3 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, Wasseiges · 1 establishment unit since 2016
Ground area
1,980 m²
Building footprint
128 m²
Parcel 64075A0500/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
BDVV
since 20162.250.657.940
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64075A0500/00F000 | Wallonia | 1,980 m² | 1 · 128 m² | - |
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.
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Of 7,326 companies in sector 68110 we hold annual accounts for 5,384. 2,941 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
Founded24-02-2016
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
Contact
E-mail
brumagnejm@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0648968305
Also
9925:BE0648968305
Registered
08-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.