Summary
BNV Concepts has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.0m and a net result of €106,877. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 69% of 8871 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
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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 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
2 d early
2023
15 d early
2022
2 d late
2021
10 d early
2020
2 d early
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 7 accounts on average 4 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€2.0m▼ 2.2%
2024 · €2.0m
Total assets
€2.7m=
2024 · €2.7m
Net result
€106,877▼ 42.9%
2024 · €187,036
Working capital
-€467,879▼ 61.2%
2024 · -€290,228
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 70, Activities of head offices; management consultancy activities, 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€85,149▲ 902%€194,378▲ 128%€195,974▲ 0.8%€101,099▼ 48.4%€201,089▲ 98.9%
Net result€241,547above the sector's middle half▼ 49.2%€333,127above the sector's middle half▲ 37.9%€301,283above the sector's middle half▼ 9.6%€187,036above the sector's middle half▼ 37.9%€106,877within the sector's middle half▼ 42.9%
Equity€1.7mabove the sector's middle half▲ 16.2%€1.8mabove the sector's middle half▲ 4.7%€2.1mabove the sector's middle half▲ 16.4%€2.0mabove the sector's middle half▼ 5.5%€2.0mabove the sector's middle half▼ 2.2%
Total assets€2.7mwithin the sector's middle half▼ 1.8%€2.8mwithin the sector's middle half▲ 5.0%€2.7mwithin the sector's middle half▼ 3.5%€2.7mwithin the sector's middle half▼ 1.0%€2.7mabove the sector's middle half=
Debt€938,773▼ 23.6%€991,982▲ 5.7%€594,692▼ 40.1%€683,486▲ 14.9%€727,053▲ 6.4%
Working capital-€535,646below the sector's middle half▲ 29.5%-€522,150below the sector's middle half▲ 2.5%-€243,777below the sector's middle half▲ 53.3%-€290,228below the sector's middle half▼ 19.1%-€467,879below the sector's middle half▼ 61.2%
Solvency64.9%within the sector's middle half▲ 10.0pp64.7%within the sector's middle half▼ 0.2pp78.1%within the sector's middle half▲ 13.4pp74.5%within the sector's middle half▼ 3.5pp72.9%within the sector's middle half▼ 1.6pp
Current ratio0.13below the sector's middle half▲ 0.070.27below the sector's middle half▲ 0.140.27below the sector's middle half=0.18below the sector's middle half▼ 0.090.14below the sector's middle half▼ 0.04
Return on assets (ROA)9.0%within the sector's middle half▼ 8.4pp11.9%within the sector's middle half▲ 2.8pp11.1%within the sector's middle half▼ 0.7pp7.0%within the sector's middle half▼ 4.1pp4.0%within the sector's middle half▼ 3.0pp
Staff (FTE)0within the sector's middle half0within the sector's middle half0within the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 99% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.7m
Fixed assets
€2.6m ▼ 0.4%
Current assets
€76,541 ▲ 17.1%
Equity and liabilities €2.7m
Equity
€2.0m ▼ 2.2%
Debt
€727,053 ▲ 6.4%
Debt's share of the balance-sheet total rises from 25.5% to 27.1%. Equity is lower and debt is higher.
Key figures and ratios
ROE
5.5%▼
2024 · 9.4%
Debt ≤ 1 year
€544,420▲
2024 · €355,602
Debt > 1 year
€182,633▼
2024 · €324,884
Income taxes
€45,132▲
2024 · €33,682
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €0 | - | - | €9,639 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €60,041 | €561 | €4,070 | €4,062 | €0 | ▼ 100% |
| Other operating charges640/8 | - | €3,440 | €3,677 | €3,785 | €7,697 | ▲ 103% |
| Non-recurring operating charges66A | - | €0 | - | - | - | - |
| Gross operating margin9900 | €150,004 | €198,378 | €203,720 | €108,946 | €208,786 | ▲ 91.6% |
| Operating profit (loss)9901 | €85,149 | €194,378 | €195,974 | €101,099 | €201,089 | ▲ 98.9% |
| Financial income75/76B | - | €229,706 | €194,685 | €150,589 | €3,917 | ▼ 97.4% |
| Recurring financial income75 | €224,904 | €229,706 | €194,685 | €150,589 | €3,917 | ▼ 97.4% |
| Financial charges65/66B | - | €14,772 | €17,710 | €30,970 | €52,997 | ▲ 71.1% |
| Recurring financial charges65 | €40,062 | €14,772 | €17,710 | €30,970 | €52,997 | ▲ 71.1% |
| Profit (loss) for the period before taxes9903 | €269,991 | €409,311 | €372,949 | €220,718 | €152,008 | ▼ 31.1% |
| Income taxes67/77 | €28,444 | €76,184 | €71,666 | €33,682 | €45,132 | ▲ 34.0% |
| Profit (loss) for the period9904 | €241,547 | €333,127 | €301,283 | €187,036 | €106,877 | ▼ 42.9% |
| Profit (loss) for the period to be appropriated9905 | €241,547 | €333,127 | €301,283 | €187,036 | €106,877 | ▼ 42.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.7m | €2.8m | €2.7m | €2.7m | €2.7m | = |
| Fixed assets21/28 | €2.6m | €2.6m | €2.6m | €2.6m | €2.6m | ▼ 0.4% |
| Tangible fixed assets22/27 | €708,772 | €730,546 | €732,883 | €728,821 | €718,098 | ▼ 1.5% |
| Land and buildings22 | - | €466,420 | €466,420 | €466,420 | €466,420 | = |
| Plant, machinery and equipment23 | - | €245,271 | €251,678 | €251,678 | €251,678 | = |
| Furniture and vehicles24 | - | €18,855 | €14,785 | €10,723 | €0 | ▼ 100% |
| Financial fixed assets28 | €1.9m | €1.9m | €1.9m | €1.9m | €1.9m | = |
| Current assets29/58 | €78,230 | €190,489 | €89,643 | €65,374 | €76,541 | ▲ 17.1% |
| Amounts receivable within one year40/41 | €65,931 | €161,892 | €84,939 | €60,880 | €69,519 | ▲ 14.2% |
| Trade receivables40 | - | €30,250 | €18,150 | €18,150 | €18,150 | = |
| Other amounts receivable41 | - | €131,642 | €66,789 | €42,730 | €51,369 | ▲ 20.2% |
| Cash at bank and in hand54/58 | €9,297 | €25,370 | €1,214 | €664 | €2,575 | ▲ 288% |
| Deferred charges and accrued income490/1 | - | €3,227 | €3,490 | €3,830 | €4,447 | ▲ 16.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.7m | €2.8m | €2.7m | €2.7m | €2.7m | = |
| Equity10/15 | €1.7m | €1.8m | €2.1m | €2.0m | €2.0m | ▼ 2.2% |
| Contributions10/11 | - | €38,606 | €38,606 | €38,606 | €38,606 | = |
| Reserves13 | €1.6m | €1.8m | €2.1m | €2.0m | €1.9m | ▼ 2.2% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | - | €8,060 | €8,060 | €8,060 | €8,060 | = |
| Distributable reserves133 | - | €1.8m | €2.1m | €2.0m | €1.9m | ▼ 2.2% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €938,773 | €991,982 | €594,692 | €683,486 | €727,053 | ▲ 6.4% |
| Amounts payable after more than one year17 | €324,897 | €279,344 | €238,064 | €324,884 | €182,633 | ▼ 43.8% |
| Financial debts170/4 | - | €279,344 | €238,064 | €324,884 | €182,633 | ▼ 43.8% |
| Amounts payable within one year42/48 | €613,876 | €712,639 | €333,420 | €355,602 | €544,420 | ▲ 53.1% |
| Current portion of amounts payable after more than one year42 | - | €45,553 | €44,684 | €79,989 | €83,757 | ▲ 4.7% |
| Financial debts43 | - | €24,257 | €24,387 | €6,806 | €10,006 | ▲ 47.0% |
| Credit institutions430/8 | - | - | - | - | €1,159 | - |
| Other loans439 | - | €24,257 | €24,387 | €6,806 | €8,847 | ▲ 30.0% |
| Trade debts44 | €3,325 | €21,958 | €2,146 | €3,646 | €5,850 | ▲ 60.4% |
| Suppliers440/4 | - | €21,958 | €2,146 | €3,646 | €5,850 | ▲ 60.4% |
| Taxes, remuneration and social security45 | - | €8,961 | €8,194 | €17,621 | €19,576 | ▲ 11.1% |
| Taxes450/3 | - | €7,889 | €7,121 | €16,549 | €18,504 | ▲ 11.8% |
| Remuneration and social security454/9 | - | €1,072 | €1,072 | €1,072 | €1,072 | = |
| Other amounts payable47/48 | - | €611,908 | €254,010 | €247,540 | €425,231 | ▲ 71.8% |
| Accrued charges and deferred income492/3 | - | - | €23,207 | €3,000 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €241,547 | €333,127 | €301,283 | €187,036 | €106,877 | ▼ 42.9% |
| + Depreciation and write-downs630 | €60,041 | €561 | €4,070 | €4,062 | €0 | ▼ 100% |
| Operating cash flow (approximation) | €301,588 | €333,688 | €305,353 | €191,098 | €106,877 | ▼ 44.1% |
| Investment in fixed assets (approximation) | - | -€22,335 | -€6,407 | €0 | €10,723 | - |
| Change in cash | - | €16,072 | -€24,155 | -€550 | €1,911 | ▲ 448% |
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
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €106,877 ▼42.9%
Net result drops to €106,877, the lowest in the series.
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
16-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Equity above €2mEq €2.1m ▲16.4%
5 profitable years in a row build equity to €2.1m.
2022
02-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 2 days late
2021
21-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Highest result since 2019net €475,617 ▲81.6%
Net result €475,617, the highest in the series.
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
26-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
12-05
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
No directors read yet: 0 of 6 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Merelbeke-Melle · 1 establishment unit since 2013
Ground area
1,390 m²
Building footprint
300 m²
Volume, LiDAR
1,621 m³
Parcel 44040D0126/00Z004, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Vandepitte Invest
since 20132.217.393.571
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44040D0126/00Z004 | Flanders | 1,390 m² | 1 · 300 m² | 9.7 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
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
99.39%
According to the 2025 annual accounts of BNV Concepts and those 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.
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Company details
Identification
Legal formPrivate limited company
Founded07-01-2013
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0502411993
Also
9925:BE0502411993
Registered
12-12-2025
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.