Skip to content

BFV

Active
Private limited companyfounded 20196 yrs activeRue Haie-Collaux, Spontin 52, 5530 Yvoir, BelgiumKBO/BCE: BE 0735.495.768
Summary

The computed 12-month bankruptcy probability of BFV is 3.3% (moderate). The 2025 annual accounts show negative equity (-€17,058) and a net result of -€82,702. Equity is shrinking by ~18.2% per year across the filed fiscal years. The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability12▼-1
Solvency24▼-6
Growth32=
Track record100
Bankruptcy probability, 12 months
3.3% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 3.6 against 3.6 in 2024; short-term debt: 27.7% and cash: 0% of total assets), but equity is negative.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 6 years 0 10 y
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 2025
Solvency, return and age of the figures
Solvency
-1.2%
Return on assets
-5.8%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
202122232425
2020 to 2025 · latest year -€17,058
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-07-2026, 15 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
15 d early
2024
28 d early
2023
8 d early
2022
4 d early
2021
34 d early
2020
33 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 20 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 16 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 1 October 2019, BFV was incorporated as a Private limited company.1 Total assets went from EUR 335,254 in 2020 to EUR 1.4 million in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2020 and 2025

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€82,702▼ 16.5%
2024 · -€70,970
Working capital
€1.0m▼ 0.3%
2024 · €1.0m
Trend over the years
In euros
In euros
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.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€3,211▲ 0.3%€10,778€66,444▲ 516%€6,557▼ 90.1%€828▼ 87.4%
Net result-€16,023▲ 5.6%-€12,416▲ 22.5%€12,022-€70,970-€82,702▼ 16.5%
Equity€137,008▼ 10.5%€124,592▼ 9.1%€136,614▲ 9.6%€65,644▼ 51.9%-€17,058
Total assets€330,752▼ 1.3%€642,923▲ 94.4%€1.5m▲ 126%€1.4m▼ 1.5%€1.4m▼ 0.3%
Debt€193,744▲ 6.3%€518,331▲ 168%€1.3m▲ 154%€1.4m▲ 3.8%€1.4m▲ 5.8%
Working capital€328,875▼ 1.6%€639,751▲ 94.5%€1.0m▲ 60.6%€1.0m▲ 0.3%€1.0m▼ 0.3%
Result per fiscal year
Operating resultNet result
-€100,000-€50,000€0€50,000Operating result 2021: -€3,211-€3,211Net result 2021: -€16,023-€16,023Operating result 2022: €10,778€10,778Net result 2022: -€12,416-€12,416Operating result 2023: €66,444€66,444Net result 2023: €12,022€12,022Operating result 2024: €6,557€6,557Net result 2024: -€70,970-€70,970Operating result 2025: €828€828Net result 2025: -€82,702-€82,70220212022202320242025-€100,000-€50,000€0€50,000Operating result 2023: €66,444€66,400Net result 2023: €12,022€12,000Operating result 2024: €6,557€6,560Net result 2024: -€70,970-€71,000Operating result 2025: €828€828Net result 2025: -€82,702-€82,700202320242025
The operating result has fallen two years in a row; 2025 is 87% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.4m
Fixed assets €3,050 =
Current assets €1.4m ▼ 0.2%
Key figures and ratios
2025 value · change against 2024
EBITDA
€1,028▼
2024 · €6,916
Cash flow
-€82,502▼
2024 · -€70,611
Solvency
-1.2%▼
2024 · 4.6%
Current ratio
3.60▼
2024 · 3.60
Quick ratio
0.01▼
2024 · 0.01
Debt to equity
-84.58▼
2024 · 20.77
ROA
-5.8%▼
2024 · -5.0%
Interest coverage
0.01▼
2024 · 0.09
Debt ≤ 1 year
€394,919▼
2024 · €395,672
Debt > 1 year
€831,502=
2024 · €831,502
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 1,167 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 95% are still going.

  • Small
  • 5 to 10 years old
  • negative equity
  • a small loss
2.0% went bankrupt
2.8% stopped otherwise
95% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 3.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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 1,167 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.4m€1.4m▼
Formation expenses20€200-
Fixed assets21/28€3,050€3,050=
Financial fixed assets28€3,050€3,050=
Current assets29/58€1.4m€1.4m▼
Stocks and contracts in progress3€1.4m€1.4m=
Stocks30/36€1.4m€1.4m=
Amounts receivable within one year40/41€2,103€2,415▲
Trade receivables40-€312
Other amounts receivable41€2,103€2,103=
Cash at bank and in hand54/58€3,659€24▼
Deferred charges and accrued income490/1€133-
Equity and liabilities
Total equity and liabilities10/49€1.4m€1.4m▼
Equity10/15€65,644-€17,058▼
Contributions10/11€170,000€170,000=
Profit (loss) carried forward14-€104,356-€187,058▼
Amounts payable17/49€1.4m€1.4m▲
Amounts payable after more than one year17€831,502€831,502=
Financial debts170/4€831,502€831,502=
Amounts payable within one year42/48€395,672€394,919▼
Financial debts43-€193
Credit institutions430/8-€193
Trade debts44€498€303▼
Suppliers440/4€498€303▼
Other amounts payable47/48€395,174€394,424▼
Accrued charges and deferred income492/3€136,551€216,350▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€359€200▼
Other operating charges640/8€5,686€5,852▲
Gross operating margin9900€12,602€6,880▼
Operating profit (loss)9901€6,557€828▼
Financial charges65/66B€77,527€83,530▲
Recurring financial charges65€77,527€83,530▲
Profit (loss) for the period before taxes9903-€70,970-€82,702▼
Profit (loss) for the period9904-€70,970-€82,702▼
Profit (loss) for the period to be appropriated9905-€70,970-€82,702▼
Appropriation of the result
Profit (loss) to be appropriated9906-€104,356-€187,058▼
Profit (loss) brought forward from the previous period14P-€33,386-€104,356▼

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€393€421-€359€200▼ 44.3%
Other operating charges640/8€1,603€1,642€884€5,686€5,852▲ 2.9%
Gross operating margin9900-€1,215€12,841€67,328€12,602€6,880▼ 45.4%
Operating profit (loss)9901-€3,211€10,778€66,444€6,557€828▼ 87.4%
Financial charges65/66B€12,812€23,194€54,422€77,527€83,530▲ 7.7%
Recurring financial charges65€12,812€23,194€54,422€77,527€83,530▲ 7.7%
Profit (loss) for the period before taxes9903-€16,023-€12,416€12,022-€70,970-€82,702▼ 16.5%
Profit (loss) for the period9904-€16,023-€12,416€12,022-€70,970-€82,702▼ 16.5%
Profit (loss) for the period to be appropriated9905-€16,023-€12,416€12,022-€70,970-€82,702▼ 16.5%
Line20212022202320242025Change
Assets
Total assets20/58€330,752€642,923€1.5m€1.4m€1.4m▼ 0.3%
Formation expenses20€1,401€980€559€200--
Fixed assets21/28--€3,050€3,050€3,050=
Financial fixed assets28--€3,050€3,050€3,050=
Current assets29/58€329,351€641,943€1.4m€1.4m€1.4m▼ 0.2%
Stocks and contracts in progress3€326,143€357,127€1.4m€1.4m€1.4m=
Stocks30/36€326,143€357,127€1.4m€1.4m€1.4m=
Amounts receivable within one year40/41€3,023€263,346€7,645€2,103€2,415▲ 14.9%
Trade receivables40-€300--€312-
Other amounts receivable41€3,023€263,046€7,645€2,103€2,103=
Cash at bank and in hand54/58€186€21,215€19,364€3,659€24▼ 99.4%
Deferred charges and accrued income490/1-€254-€133--
Equity and liabilities
Total equity and liabilities10/49€330,752€642,923€1.5m€1.4m€1.4m▼ 0.3%
Equity10/15€137,008€124,592€136,614€65,644-€17,058▼ 126%
Contributions10/11€170,000€170,000€170,000€170,000€170,000=
Profit (loss) carried forward14-€32,992-€45,408-€33,386-€104,356-€187,058▼ 79.3%
Amounts payable17/49€193,744€518,331€1.3m€1.4m€1.4m▲ 5.8%
Amounts payable after more than one year17€182,094€506,502€831,502€831,502€831,502=
Financial debts170/4€182,094€506,502€831,502€831,502€831,502=
Amounts payable within one year42/48€476€2,192€420,089€395,672€394,919▼ 0.2%
Financial debts43----€193-
Credit institutions430/8----€193-
Trade debts44€388--€498€303▼ 39.3%
Suppliers440/4€388--€498€303▼ 39.3%
Taxes, remuneration and social security45-€2,104----
Taxes450/3-€2,104----
Other amounts payable47/48€89€89€420,089€395,174€394,424▼ 0.2%
Accrued charges and deferred income492/3€11,174€9,636€62,637€136,551€216,350▲ 58.4%
Line20212022202320242025Change
Profit (loss) for the period9904-€16,023-€12,416€12,022-€70,970-€82,702▼ 16.5%
+ Depreciation and write-downs630€393€421-€359€200▼ 44.3%
Operating cash flow (approximation)-€15,630-€11,995€12,022-€70,611-€82,502▼ 16.8%
Investment in fixed assets (approximation)----€359-€200▲ 44.3%
Change in cash-€21,029-€1,851-€15,705-€3,636▲ 76.8%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
16-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Weakest financial yearnet -€82,702
Net result drops to -€82,702, the lowest in the series.
03-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Back to profitnet €12,022
Net result €12,022 after 3 loss-making years.
27-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing Annual accounts filed
fiscal year 2021 · full schema
2021
28-06
NBB filing Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
1 act for this company is 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, Yvoir · 1 establishment unit since 2019
seat establishment The establishment unit on the map
Ground area
1,624 m²
Building footprint
170 m²
Parcel 91124C0028/00N002, Wallonia. Linked by address, not a title deed.
1 establishment unit
BFV
Rue Haie-Collaux, Spontin 52, 5530 YvoirReal estate activities
since 20192.294.481.154
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
91124C0028/00N002 Wallonia 1,624 m² 1 · 170 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.

Structure & network

Owners and holdings

1 owner

Chain of control

  1. ALIXILA 60%
  2. BFV

Highest known parent: ALIXILA. The sources do not say who stands above it.

Owners 1

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Identification & contact

Identification
Legal formPrivate limited company
Founded01-10-2019
Fiscal year end31-12
Contact
E-mail pierreflamant@yahoo.fr
Phone +32494507135
E-invoicing
Reachable via Peppol
Peppol ID 0208:0735495768
Registered 20-11-2020

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.