Summary
BMVW is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €80,411 and a net result of €3,326. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 40% of 1423 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
2 d early
2023
40 d early
2022
1 d early
2021
30 d late
2020
on the day
2019
1 d early
← 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 2 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€80,411▲ 4.3%
2023 · €77,085
Net result
€3,326▼ 38.0%
2023 · €5,366
Total assets
€268,934▼ 36.3%
2023 · €422,044
Solvency
29.9%▲ 11.6pp
2023 · 18.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€35,406▼ 32.1%€26,318▼ 25.7%€8,700▼ 66.9%€13,700▲ 57.5%€9,086▼ 33.7%
Net result€18,567within the sector's middle half▼ 13.1%€12,606below the sector's middle half▼ 32.1%€581below the sector's middle half▼ 95.4%€5,366below the sector's middle half▲ 823%€3,326below the sector's middle half▼ 38.0%
Equity€58,532below the sector's middle half▲ 46.5%€71,138below the sector's middle half▲ 21.5%€71,719below the sector's middle half▲ 0.8%€77,085below the sector's middle half▲ 7.5%€80,411below the sector's middle half▲ 4.3%
Total assets€754,388within the sector's middle half▼ 22.9%€636,913within the sector's middle half▼ 15.6%€482,628within the sector's middle half▼ 24.2%€422,044below the sector's middle half▼ 12.6%€268,934below the sector's middle half▼ 36.3%
Debt€695,856▼ 25.9%€565,775▼ 18.7%€410,909▼ 27.4%€344,959▼ 16.0%€188,522▼ 45.3%
Working capital-€63,858▲ 32.8%-€33,644▲ 47.3%-€47,793▼ 42.1%-€35,136▲ 26.5%-€18,390▲ 47.7%
Solvency7.8%below the sector's middle half▲ 3.7pp11.2%below the sector's middle half▲ 3.4pp14.9%below the sector's middle half▲ 3.7pp18.3%within the sector's middle half▲ 3.4pp29.9%within the sector's middle half▲ 11.6pp
Staff (FTE)2.7within the sector's middle half▲ 8.0%2.7within the sector's middle half=2.7within the sector's middle half=2.7within the sector's middle half=2.7within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 34% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €268,934
Fixed assets
€98,840 ▼ 54.4%
Current assets
€170,093 ▼ 17.1%
Equity and liabilities €268,934
Equity
€80,411 ▲ 4.3%
Debt
€188,522 ▼ 45.3%
Debt's share of the balance-sheet total falls from 81.7% to 70.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
4.1%▼
2023 · 7.0%
ROA
1.2%▼
2023 · 1.3%
Debt ≤ 1 year
€188,484▼
2023 · €240,302
Debt > 1 year
€0▼
2023 · €104,615
Income taxes
€2,871▼
2023 · €3,674
Staff costs
€146,958▼
2023 · €172,248
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €157,287 | €162,835 | €172,248 | €146,958 | ▼ 14.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €126,433 | €126,626 | €122,138 | €120,707 | €118,037 | ▼ 2.2% |
| Other operating charges640/8 | - | €2,572 | €2,406 | €2,321 | €2,248 | ▼ 3.1% |
| Gross operating margin9900 | €302,360 | €312,803 | €296,079 | €308,975 | €276,330 | ▼ 10.6% |
| Operating profit (loss)9901 | €35,406 | €26,318 | €8,700 | €13,700 | €9,086 | ▼ 33.7% |
| Financial income75/76B | - | €1 | €3 | €0 | €31 | ▲ 78,600% |
| Recurring financial income75 | €0 | €1 | €3 | €0 | €31 | ▲ 78,600% |
| Financial charges65/66B | - | €8,227 | €6,132 | €4,660 | €2,920 | ▼ 37.3% |
| Recurring financial charges65 | €9,447 | €8,227 | €6,132 | €4,660 | €2,920 | ▼ 37.3% |
| Profit (loss) for the period before taxes9903 | €25,959 | €18,091 | €2,570 | €9,040 | €6,198 | ▼ 31.4% |
| Income taxes67/77 | €7,393 | €5,485 | €1,989 | €3,674 | €2,871 | ▼ 21.8% |
| Profit (loss) for the period9904 | €18,567 | €12,606 | €581 | €5,366 | €3,326 | ▼ 38.0% |
| Profit (loss) for the period to be appropriated9905 | €18,567 | €12,606 | €581 | €5,366 | €3,326 | ▼ 38.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €754,388 | €636,913 | €482,628 | €422,044 | €268,934 | ▼ 36.3% |
| Fixed assets21/28 | €585,835 | €459,209 | €337,070 | €216,878 | €98,840 | ▼ 54.4% |
| Intangible fixed assets21 | €573,608 | €452,581 | €333,939 | €216,071 | €98,214 | ▼ 54.5% |
| Tangible fixed assets22/27 | €12,227 | €6,628 | €3,131 | €806 | €626 | ▼ 22.3% |
| Plant, machinery and equipment23 | - | €14 | €6 | €0 | - | - |
| Furniture and vehicles24 | - | €3,990 | €1,722 | €0 | - | - |
| Other tangible fixed assets26 | - | €2,624 | €1,403 | €806 | €626 | ▼ 22.3% |
| Current assets29/58 | €168,553 | €177,704 | €145,558 | €205,167 | €170,093 | ▼ 17.1% |
| Amounts receivable within one year40/41 | €56,256 | €55,434 | €60,265 | €77,827 | €50,060 | ▼ 35.7% |
| Trade receivables40 | - | €49,507 | €50,162 | €64,980 | €33,729 | ▼ 48.1% |
| Other amounts receivable41 | - | €5,927 | €10,104 | €12,846 | €16,332 | ▲ 27.1% |
| Cash at bank and in hand54/58 | €108,250 | €118,171 | €80,271 | €122,408 | €113,589 | ▼ 7.2% |
| Deferred charges and accrued income490/1 | - | €4,099 | €5,022 | €4,932 | €6,444 | ▲ 30.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €754,388 | €636,913 | €482,628 | €422,044 | €268,934 | ▼ 36.3% |
| Equity10/15 | €58,532 | €71,138 | €71,719 | €77,085 | €80,411 | ▲ 4.3% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | €39,932 | €52,538 | €53,119 | €58,485 | €61,811 | ▲ 5.7% |
| Amounts payable17/49 | €695,856 | €565,775 | €410,909 | €344,959 | €188,522 | ▼ 45.3% |
| Amounts payable after more than one year17 | €463,395 | €354,378 | €217,060 | €104,615 | €0 | ▼ 100% |
| Financial debts170/4 | - | €354,378 | €217,060 | €104,615 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €232,411 | €211,348 | €193,351 | €240,302 | €188,484 | ▼ 21.6% |
| Current portion of amounts payable after more than one year42 | - | €109,017 | €110,718 | €112,445 | €104,615 | ▼ 7.0% |
| Trade debts44 | €79,263 | €54,953 | €35,063 | €103,258 | €62,606 | ▼ 39.4% |
| Suppliers440/4 | - | €54,953 | €35,063 | €103,258 | €62,606 | ▼ 39.4% |
| Taxes, remuneration and social security45 | - | €43,669 | €43,842 | €24,527 | €21,190 | ▼ 13.6% |
| Taxes450/3 | - | €17,179 | €14,762 | €1,189 | €1,189 | = |
| Remuneration and social security454/9 | - | €26,490 | €29,080 | €23,338 | €20,000 | ▼ 14.3% |
| Other amounts payable47/48 | - | €3,709 | €3,729 | €73 | €73 | = |
| Accrued charges and deferred income492/3 | - | €49 | €498 | €42 | €39 | ▼ 6.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18,567 | €12,606 | €581 | €5,366 | €3,326 | ▼ 38.0% |
| + Depreciation and write-downs630 | €126,433 | €126,626 | €122,138 | €120,707 | €118,037 | ▼ 2.2% |
| Operating cash flow (approximation) | €145,000 | €139,231 | €122,720 | €126,073 | €121,364 | ▼ 3.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€514 | €0 | ▲ 100% |
| Change in cash | - | €9,921 | -€37,900 | €42,137 | -€8,819 | ▼ 121% |
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
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €581 ▼95.4%
Net result drops to €581, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Rumst · 1 establishment unit since 2018
Ground area
620 m²
Building footprint
198 m²
Volume, LiDAR
1,370 m³
Parcel 11036B0256/00N004, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
BMVW
since 20182.352.833.483
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036B0256/00N004 | Flanders | 620 m² | 1 · 198 m² | 10.3 m · 2 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.
Structure & network
Owners and holdings
3 ownersOwners 3
-
33.33%
-
33.33%
- Sourceaccounts Bema 202533%
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,610 EUR awarded · 1,610 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 476 EUR | 476 EUR |
| 2024 | 1 | 371 EUR | 371 EUR |
| 2023 | 1 | 373 EUR | 373 EUR |
| 2022 | 1 | 390 EUR | 390 EUR |
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 2,597 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
Founded03-07-2018
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0699573106
Also
9925:BE0699573106
Registered
21-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.