Summary
BOVANN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €869,149 and a net result of €200,610. Equity is growing by ~29% per year across the filed fiscal years. Its solvency ranks better than 85% of 8094 sector peers (fiscal year 2025). The company has been active since 2020 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 · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
27 d late
2024
10 d early
2023
1 d early
2022
on the day
2021
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 3 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 31 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#10 company by equity in Edegem, Finance and insurance sector
Equity
€869,149▲ 30.0%
2024 · €668,539
Net result
€200,610▼ 18.0%
2024 · €244,695
Total assets
€996,427▲ 17.8%
2024 · €845,675
Solvency
87.2%▲ 8.2pp
2024 · 79.1%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line20212022202320242025
Operating result€58,952-€73,113▲ 24.0%€91,840▲ 25.6%€65,361▼ 28.8%€111,626▲ 70.8%
Net result€130,383above the sector's middle half-€197,245above the sector's middle half▲ 51.3%€291,216above the sector's middle half▲ 47.6%€244,695above the sector's middle half▼ 16.0%€200,610above the sector's middle half▼ 18.0%
Equity€135,383within the sector's middle half-€332,629within the sector's middle half▲ 146%€623,844above the sector's middle half▲ 87.5%€668,539above the sector's middle half▲ 7.2%€869,149above the sector's middle half▲ 30.0%
Total assets€299,194within the sector's middle half-€398,942within the sector's middle half▲ 33.3%€677,593within the sector's middle half▲ 69.8%€845,675within the sector's middle half▲ 24.8%€996,427above the sector's middle half▲ 17.8%
Debt€163,811-€66,314▼ 59.5%€53,749▼ 18.9%€177,136▲ 230%€127,278▼ 28.1%
Working capital€4,490within the sector's middle half-€119,312within the sector's middle half▲ 2,558%€348,444above the sector's middle half▲ 192%€385,185above the sector's middle half▲ 10.5%€563,534above the sector's middle half▲ 46.3%
Solvency45.2%within the sector's middle half-83.4%above the sector's middle half▲ 38.1pp92.1%above the sector's middle half▲ 8.7pp79.1%above the sector's middle half▼ 13.0pp87.2%above the sector's middle half▲ 8.2pp
Current ratio1.06within the sector's middle half-3.20within the sector's middle half▲ 2.147.48above the sector's middle half▲ 4.283.17within the sector's middle half▼ 4.3113.23above the sector's middle half▲ 10.05
Return on assets (ROA)43.6%above the sector's middle half-49.4%above the sector's middle half▲ 5.9pp43.0%above the sector's middle half▼ 6.5pp28.9%above the sector's middle half▼ 14.0pp20.1%within the sector's middle half▼ 8.8pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 71% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €996,427
Fixed assets
€386,803 ▲ 36.5%
Current assets
€609,623 ▲ 8.4%
Equity and liabilities €996,427
Equity
€869,149 ▲ 30.0%
Debt
€127,278 ▼ 28.1%
Debt's share of the balance-sheet total falls from 20.9% to 12.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
23.1%▼
2024 · 36.6%
Debt ≤ 1 year
€46,089▼
2024 · €177,136
Debt > 1 year
€81,188
Income taxes
€34,325▲
2024 · €15,749
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | €1,152 | €4,215 | ▲ 266% |
| Other operating charges640/8 | - | €564 | €109 | €843 | €1,073 | ▲ 27.2% |
| Gross operating margin9900 | €59,169 | €73,677 | €91,949 | €67,357 | €116,914 | ▲ 73.6% |
| Operating profit (loss)9901 | €58,952 | €73,113 | €91,840 | €65,361 | €111,626 | ▲ 70.8% |
| Financial income75/76B | - | €137,205 | €235,201 | €196,000 | €123,957 | ▼ 36.8% |
| Recurring financial income75 | €78,396 | €137,205 | €235,201 | €196,000 | €123,957 | ▼ 36.8% |
| Financial charges65/66B | - | €1,352 | €1,728 | €918 | €647 | ▼ 29.5% |
| Recurring financial charges65 | €6,965 | €1,352 | €1,728 | €918 | €647 | ▼ 29.5% |
| Profit (loss) for the period before taxes9903 | €130,383 | €208,966 | €325,313 | €260,444 | €234,935 | ▼ 9.8% |
| Income taxes67/77 | - | €11,720 | €34,097 | €15,749 | €34,325 | ▲ 118% |
| Profit (loss) for the period9904 | €130,383 | €197,245 | €291,216 | €244,695 | €200,610 | ▼ 18.0% |
| Profit (loss) for the period to be appropriated9905 | €130,383 | €197,245 | €291,216 | €244,695 | €200,610 | ▼ 18.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €299,194 | €398,942 | €677,593 | €845,675 | €996,427 | ▲ 17.8% |
| Fixed assets21/28 | €225,400 | €225,400 | €275,400 | €283,354 | €386,803 | ▲ 36.5% |
| Tangible fixed assets22/27 | - | - | - | €7,954 | €111,403 | ▲ 1,301% |
| Furniture and vehicles24 | - | - | - | €7,954 | €111,403 | ▲ 1,301% |
| Financial fixed assets28 | €225,400 | €225,400 | €275,400 | €275,400 | €275,400 | = |
| Current assets29/58 | €73,794 | €173,542 | €402,193 | €562,320 | €609,623 | ▲ 8.4% |
| Amounts receivable within one year40/41 | €14,225 | €16,098 | €19,672 | €62,801 | €151,818 | ▲ 142% |
| Trade receivables40 | - | €16,098 | €19,454 | €17,767 | €22,334 | ▲ 25.7% |
| Other amounts receivable41 | - | - | €218 | €45,033 | €129,484 | ▲ 188% |
| Current investments50/53 | - | - | - | €200,000 | - | - |
| Cash at bank and in hand54/58 | €59,569 | €157,445 | €382,521 | €299,341 | €457,806 | ▲ 52.9% |
| Deferred charges and accrued income490/1 | - | - | - | €178 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €299,194 | €398,942 | €677,593 | €845,675 | €996,427 | ▲ 17.8% |
| Equity10/15 | €135,383 | €332,629 | €623,844 | €668,539 | €869,149 | ▲ 30.0% |
| Contributions10/11 | - | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | - | - | - | €663,539 | €864,149 | ▲ 30.2% |
| Distributable reserves133 | - | - | - | €663,539 | €864,149 | ▲ 30.2% |
| Profit (loss) carried forward14 | €130,383 | €327,629 | €618,844 | - | - | - |
| Amounts payable17/49 | €163,811 | €66,314 | €53,749 | €177,136 | €127,278 | ▼ 28.1% |
| Amounts payable after more than one year17 | €92,016 | €11,771 | - | - | €81,188 | - |
| Financial debts170/4 | - | €11,771 | - | - | €81,188 | - |
| Amounts payable within one year42/48 | €69,304 | €54,230 | €53,749 | €177,136 | €46,089 | ▼ 74.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €27,626 | - |
| Financial debts43 | - | - | €8,849 | €8,853 | - | - |
| Credit institutions430/8 | - | - | €8,849 | €8,853 | - | - |
| Trade debts44 | €4,565 | €612 | €1,254 | €1,642 | €5,248 | ▲ 220% |
| Suppliers440/4 | - | €612 | €1,254 | €1,642 | €5,248 | ▲ 220% |
| Taxes, remuneration and social security45 | - | €9,787 | €10,881 | €37,256 | €13,215 | ▼ 64.5% |
| Taxes450/3 | - | €7,729 | €10,881 | €37,256 | €13,215 | ▼ 64.5% |
| Remuneration and social security454/9 | - | €2,059 | - | - | - | - |
| Other amounts payable47/48 | - | €43,831 | €32,764 | €129,384 | - | - |
| Accrued charges and deferred income492/3 | - | €312 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €130,383 | €197,245 | €291,216 | €244,695 | €200,610 | ▼ 18.0% |
| + Depreciation and write-downs630 | - | - | - | €1,152 | €4,215 | ▲ 266% |
| Operating cash flow (approximation) | €130,383 | €197,245 | €291,216 | €245,847 | €204,825 | ▼ 16.7% |
| Investment in fixed assets (approximation) | - | €0 | -€50,000 | -€9,106 | -€107,664 | ▼ 1,082% |
| Change in cash | - | €97,876 | €225,076 | -€83,179 | €158,464 | ▲ 291% |
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
Next filing, fiscal year 2026, expected by
2026
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-06
Financial
Liquidity quadruplescurrent ratio 13.23
Current ratio from 3.17 to 13.23; short-term debt falls from €177,136 to €46,089.
21-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2021net €291,216 ▲47.6%
Net result €291,216, the highest in the series.
30-06
Financial
Liquidity doublescurrent ratio 7.48
Current ratio from 3.20 to 7.48; short-term debt falls from €54,230 to €53,749.
30-06
Financial
Equity above €500,000Eq €623,844 ▲87.5%
3 profitable years in a row build equity to €623,844.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity triplescurrent ratio 3.20
Current ratio from 1.06 to 3.20; short-term debt falls from €69,304 to €54,230.
30-06
Financial
Equity above €200,000Eq €332,629 ▲146%
2 profitable years in a row build equity to €332,629.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Edegem · 1 establishment unit since 2020
Ground area
335 m²
Building footprint
96 m²
Volume, LiDAR
638 m³
Parcel 11472C0399/00M002, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BOVANN
since 20202.302.130.395
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11472C0399/00M002 | Flanders | 335 m² | 1 · 96 m² | 9.2 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
2 holdingsOwners 0
The accounts to 30-06-2025 list no shareholders, and no other source names one.
Holdings 2
-
33.33%
-
22.46%
According to the annual accounts to 30-06-2025 of BOVANN 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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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,008 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
Founded06-04-2020
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
Contact
E-mail
dennis.bovoy@fluvia.be
Phone
032336133
E-mail
dennis.bovoy@portumchartering.comEdegem
Phone
0476768080Edegem
E-invoicing
Reachable via Peppol
Peppol ID
0208:0745834681
Also
9925:BE0745834681
Registered
11-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.