Equity
-€152,967
Debts exceed assets in financial year 2025.
BMVAL
Lifetime
10 annual accounts with figures on one time axispeak €236,523 (2025)
€236,523▲ 16.5%
lowest -€95,537 (2017)
€7,473▲ €13,955
peak -€24,297 (2016)
-€152,967▲ €7,473
€560,795▲ 29.6%
peak 3.8 FTE (2025)
3.8 FTE
Board3 names since 2015
1 director
Documentsfilings and deeds
28-08-202628 days late
2025abbreviated format
Gross margin from €203,002 to €236,523Back to profit: €7,473Registered office moved within Erpent 30-05Debts from €432,586 to €560,795Investments €129,942Cash from €63,033 to €135,868
Key points
from the 2025 annual accountsTurnover
≈ €1.3m estimated
The accounts state no turnover.
Debts
€560,795 138% of the balance sheet
Financial debts 10%Suppliers 18%Taxes and wages 12%Other 59%
Of this, €358,295 falls due within a year.
Investments
€99,942 3.0 × depreciation
Green is investment, beige is depreciation.
Filings
10 annual accounts 9 late
The 2019 accounts came latest: 98 days after the end of the period.
Position in the sector
-€152,967
Less equity than 95% of companies in retail trade. Sector median €315,153 · 13,237 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 1,378 companies had the same profile as BMVAL has now. Each dot stands for 4 companies, two years later.
94.3%
were still trading
3.2%
stopped another way
2.4%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,331 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,378 companies, not a prediction for BMVAL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
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Signals
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0644843231
Registered office moved within Erpent
New registered office: Chaussée de Marche 583 à 5101 Erpent · Previous registered office: Chaussée de Marche 446 à 5101 Erpent · General meeting of 23-04-2025 · Gazette deed
Registered office moved from Dongelberg to Erpent
New registered office: Chaussée de Marche 446, 5101 Erpent (Namur) · Previous registered office: rue Saint-Laurent 41B, 1370 Dongelberg · Change of role: , from manager to director · General meeting of 25-09-2023 · Gazette deed
Registered office moved to Erpent-Chaussée de Marche
New registered office: 5101 Erpent-Chaussée de Marche 446 · General meeting of 13-11-2017 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BMVAL Namur | €407,828 | €236,523 | -37.5% | 3.8 |
| PANIBO Drogenbos | €442,069 | €260,056 | 12.4% | 4 |
| MAUDEL CONCEPT Orp-Jauche | €345,610 | €271,624 | -5.2% | 5 |
| Bolanco Sint-Niklaas | €505,681 | €242,037 | 31.9% | 4.5 |
| De Patatjes Veurne | €344,397 | €298,029 | 35.4% | 3.3 |
| POW-HOME Marche-en-Famenne | €521,699 | €357,239 | -1.0% | 3 |
| KITCHEN RETAIL DESIGN Waterloo | €344,365 | €293,521 | -58.7% | 3.9 |
These companies have the same main activity as BMVAL: retail sale of household furniture (NACE 47551). They are comparable in size and age: total assets between €344,000 and €522,000, founded between 2012 and 2019.
Official details
Source: KBO- Status
- Active since 23-12-2015Normal situation
- Activity
- Retail sale of household furnitureNACE 47551and 5 others
- Establishment unit
- 2.248.696.4615101 Namur, since 01-02-2016
- Financial year end
- 31 December
- Peppol
- Reachable since 20-11-2025
Insights on BMVAL
BMVAL files the abbreviated format. That format states no turnover. The gross margin rose from €135,848 in 2016 to €236,523 in 2025.
The balance sheet grew most from 2023 to 2025 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BMVAL
- What is the company number of BMVAL?
- The company number of BMVAL is 0644.843.231. The VAT number is the same number with BE in front: BE 0644.843.231.
- Where is BMVAL based?
- The registered office is at Chaussée de Marche 583, 5101 Namur.Company details
- What does BMVAL do?
- According to the KBO register, the main activity is retail sale of household furniture (NACE 47551).
- What is the legal form of BMVAL?
- BMVAL is a private limited company (BV).
- When was BMVAL founded?
- BMVAL was founded on 23-12-2015.
- Is BMVAL still active?
- Yes, BMVAL is an active enterprise in the KBO register.
- How many employees does BMVAL have?
- BMVAL had an average of 3.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of BMVAL?
- The turnover in financial year 2025 is ≈ €1.3m. This figure is estimated from the gross margin of €236,523 and 34 comparable companies (NACE 475). It probably lies between €1.0m and €2.0m.
- Is BMVAL profitable?
- In financial year 2025, BMVAL made a profit of €7,473.
- Where can I find the annual accounts of BMVAL?
- BMVAL filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BMVAL due?
- BMVAL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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