BOVA
ActiveBOVA has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €85k and a net result of €-4k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 86% of 36376 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability10▼-41
Solvency100=
Growth35▼-17
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.27 against 4.86 in 2023), and 19.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
80.1%
Return on assets
-3.8%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
31 d late
2022
29 d late
2021
590 d late
2020
30 d late
2018
29 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€65k▼ 15.6%
2023 · €77k
2023: €77k
2023 → 2024
EBIT margin
-2.1%▼ 9.9pp
2023 · 7.9%
2023: 7.9%
2023 → 2024
Net result
€-4k
2023 · €5k
2018: €19k
2020: €7k
2021: €5k
2022: €4k
2023: €5k
2018 → 2024
Working capital
€69k▲ 1.9%
2023 · €68k
2018: €73k
2020: €75k
2021: €79k
2022: €59k
2023: €68k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€77k€65k▼ 15.6%
Equity€75k-€80k▲ 6.5%€84k▲ 5.3%€89k▲ 6.3%€85k▼ 4.5%
Operating result€5k-€14k▲ 183%€17k▲ 21.9%€6k▼ 64.1%€-1k
Net result€7k-€5k▼ 25.5%€4k▼ 13.5%€5k▲ 24.9%€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €1k after €6k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €106k
Fixed assets
€16k▼ 24.8%
Current assets
€90k▲ 5.7%
Equity and liabilities €106k
Equity
€85k▼ 4.5%
Debt
€21k▲ 20.4%
The debt ratio rises from 16.4% to 19.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€4k▼
2023 · €10k
Cash flow
€1k▼
2023 · €9k
Solvency
80.1%▼
2023 · 83.6%
Current ratio
4.27▼
2023 · 4.86
Quick ratio
4.27▼
2023 · 4.86
Debt / equity
0.25▲
2023 · 0.20
ROE
-4.7%▼
2023 · 5.9%
ROA
-3.8%▼
2023 · 4.9%
Interest coverage
0.99▼
2023 · 14.07
Debt
€21k▲
2023 · €18k
Debt ≤ 1 year
€21k▲
2023 · €18k
Staff costs
€523▲
2023 · €414
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€107k€106k▼
Fixed assets21/28€21k€16k▼
Tangible fixed assets22/27€21k€16k▼
Furniture and vehicles24€21k€16k▼
Financial fixed assets28€397€397▲
Current assets29/58€86k€90k▲
Amounts receivable within one year40/41€86k€90k▲
Trade receivables40€61k€72k▲
Other amounts receivable41€25k€18k▼
Cash at bank and in hand54/58-€107
Equity and liabilities
Total equity and liabilities10/49€107k€106k▼
Equity10/15€89k€85k▼
Contributions10/11€19k€19k=
Reserves13€21k€21k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€49k€45k▼
Amounts payable17/49€18k€21k▲
Amounts payable within one year42/48€18k€21k▲
Financial debts43€5k-
Credit institutions430/8€5k-
Trade debts44€9k€18k▲
Suppliers440/4€9k€18k▲
Other amounts payable47/48€3k€3k=
Income statement
Code20232024
Turnover70€77k€65k▼
Goods, raw materials, services and sundry goods60/61€66k€60k▼
Remuneration, social security and pensions62€414€523▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€330€367▲
Gross operating margin9900€11k€5k▼
Operating profit (loss)9901€6k€-1k▼
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€716€4k▲
Recurring financial charges65€716€4k▲
Profit (loss) for the period before taxes9903€7k€-4k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€5k€-4k▼
Profit (loss) for the period to be appropriated9905€5k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€45k▼
Profit (loss) brought forward from the previous period14P€44k€49k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-4k ▼177%
Net result drops to €-4k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
12-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 590 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 4.86
Current ratio from 2.28 to 4.86; short-term debt falls from €46k to €18k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
24-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 85 days late
30-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 303 days late
30-05
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 668 days late
30-05
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 1034 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Malle · 1 establishment unit since 1992
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Salphensebaan 202390 MalleGround area
1,382 m²
Building footprint
288 m²
Parcel 11032D0494/00S000, Flanders. Linked by address, not a title deed.
1 establishment unit
Salphensebaan 20, 2390 Malle
since 19922.057.540.640
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11032D0494/00S000 | Flanders | 1,382 m² | 1 · 288 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
LEMMENS ADRIEN
BE 0457.728.251
Hamont-Achel · Eq €85k
QUUB BETONVLOEREN
BE 0645.898.551
Temse · Eq €85k
CLEANSTONE
BE 0467.050.842
Esneux · Eq €86k
DERICK PHILIPPE
BE 0832.172.601
Roosdaal · Eq €85k
DERVEAUX BV
BE 0467.040.548
Kortemark · Eq €85k
Of 3,937 companies in sector 43331 we hold annual accounts for 1,777. 1,557 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-03-1992
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
46831Wholesale of construction materials, general range
51532
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.