Summary
BOVEL 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 €5.0m and a net result of €76,410. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 90% of 10485 sector peers (fiscal year 2025). The company has been active since 1984 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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
34 d early
2023
50 d early
2022
42 d early
2021
54 d early
2020
19 d early
2019
10 d late
← 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 35 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€5.0m▼ 3.4%
2024 · €5.2m
Total assets
€6.1m▲ 1.8%
2024 · €6.0m
Net result
€76,410▼ 14.6%
2024 · €89,430
Working capital
€91,767▼ 77.8%
2024 · €413,886
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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€309,433▲ 29.8%€194,386▼ 37.2%€163,000▼ 16.1%€162,862▼ 0.1%€138,440▼ 15.0%
Net result€192,233above the sector's middle half▼ 85.1%€108,629within the sector's middle half▼ 43.5%€81,296within the sector's middle half▼ 25.2%€89,430within the sector's middle half▲ 10.0%€76,410within the sector's middle half▼ 14.6%
Equity€5.0mabove the sector's middle half▲ 4.0%€5.1mabove the sector's middle half▲ 2.2%€5.2mabove the sector's middle half▲ 1.6%€5.2mabove the sector's middle half▲ 0.3%€5.0mabove the sector's middle half▼ 3.4%
Total assets€5.7mabove the sector's middle half▲ 0.4%€6.0mabove the sector's middle half▲ 6.1%€6.1mabove the sector's middle half▲ 1.0%€6.0mabove the sector's middle half▼ 1.1%€6.1mabove the sector's middle half▲ 1.8%
Debt€660,402▼ 20.4%€895,341▲ 35.6%€873,662▼ 2.4%€794,354▼ 9.1%€1.1m▲ 35.4%
Working capital€283,264▼ 25.8%€420,335▲ 48.4%€378,283▼ 10.0%€413,886▲ 9.4%€91,767▼ 77.8%
Solvency88.3%above the sector's middle half▲ 3.1pp85.1%above the sector's middle half▼ 3.2pp85.6%above the sector's middle half▲ 0.5pp86.7%above the sector's middle half▲ 1.2pp82.4%above the sector's middle half▼ 4.4pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, 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 has fallen four years in a row; 2025 is 15% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.1m
Fixed assets
€5.7m ▲ 3.8%
Current assets
€396,777 ▼ 20.1%
Equity and liabilities €6.1m
Equity
€5.0m ▼ 3.4%
Debt
€1.1m ▲ 35.4%
Debt's share of the balance-sheet total rises from 13.3% to 17.6%. Equity is lower and debt is higher.
Key figures and ratios
ROE
1.5%▼
2024 · 1.7%
ROA
1.3%▼
2024 · 1.5%
Debt ≤ 1 year
€305,010▲
2024 · €82,796
Debt > 1 year
€750,009▲
2024 · €694,128
Income taxes
€33,070▼
2024 · €41,055
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 | €31,969 | €45,817 | €64,877 | €81,436 | €94,938 | ▲ 16.6% |
| Other operating charges640/8 | €10,084 | €11,730 | €13,321 | €13,606 | €14,296 | ▲ 5.1% |
| Non-recurring operating charges66A | - | - | - | - | €148 | - |
| Gross operating margin9900 | €351,486 | €251,933 | €241,197 | €257,904 | €247,822 | ▼ 3.9% |
| Operating profit (loss)9901 | €309,433 | €194,386 | €163,000 | €162,862 | €138,440 | ▼ 15.0% |
| Financial income75/76B | €12 | €936 | €2,534 | €7,740 | €13,120 | ▲ 69.5% |
| Recurring financial income75 | €12 | €936 | €2,534 | €7,740 | €13,120 | ▲ 69.5% |
| Financial charges65/66B | €32,451 | €34,297 | €41,192 | €40,118 | €42,080 | ▲ 4.9% |
| Recurring financial charges65 | €32,451 | €34,297 | €41,192 | €40,118 | €42,080 | ▲ 4.9% |
| Profit (loss) for the period before taxes9903 | €276,994 | €161,024 | €124,342 | €130,485 | €109,479 | ▼ 16.1% |
| Income taxes67/77 | €84,761 | €52,395 | €43,046 | €41,055 | €33,070 | ▼ 19.4% |
| Profit (loss) for the period9904 | €192,233 | €108,629 | €81,296 | €89,430 | €76,410 | ▼ 14.6% |
| Transfer from tax-exempt reserves789 | - | - | €61,045 | - | - | - |
| Transfer to tax-exempt reserves689 | - | - | €42,100 | €21,050 | €42,100 | ▲ 100% |
| Profit (loss) for the period to be appropriated9905 | €192,233 | €108,629 | €100,241 | €68,380 | €34,310 | ▼ 49.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5.7m | €6.0m | €6.1m | €6.0m | €6.1m | ▲ 1.8% |
| Fixed assets21/28 | €5.2m | €5.5m | €5.6m | €5.5m | €5.7m | ▲ 3.8% |
| Tangible fixed assets22/27 | €1.6m | €1.9m | €2.0m | €1.9m | €2.1m | ▲ 10.9% |
| Land and buildings22 | €1.5m | €1.8m | €1.8m | €1.8m | €2.0m | ▲ 14.3% |
| Plant, machinery and equipment23 | - | €1,908 | €3,268 | €3,763 | €2,606 | ▼ 30.7% |
| Furniture and vehicles24 | €78,087 | €56,627 | €174,371 | €129,885 | €85,400 | ▼ 34.2% |
| Financial fixed assets28 | €3.6m | €3.6m | €3.6m | €3.6m | €3.6m | = |
| Current assets29/58 | €467,507 | €518,594 | €482,190 | €496,682 | €396,777 | ▼ 20.1% |
| Amounts receivable within one year40/41 | €85,214 | €107,646 | €68,604 | €8,105 | €3,725 | ▼ 54.0% |
| Trade receivables40 | €16,084 | €38,720 | €41,055 | - | - | - |
| Other amounts receivable41 | €69,130 | €68,926 | €27,549 | €8,105 | €3,725 | ▼ 54.0% |
| Current investments50/53 | - | - | €240,000 | €360,000 | €350,000 | ▼ 2.8% |
| Cash at bank and in hand54/58 | €382,293 | €410,947 | €167,346 | €127,289 | €40,252 | ▼ 68.4% |
| Deferred charges and accrued income490/1 | - | - | €6,240 | €1,288 | €2,800 | ▲ 117% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5.7m | €6.0m | €6.1m | €6.0m | €6.1m | ▲ 1.8% |
| Equity10/15 | €5.0m | €5.1m | €5.2m | €5.2m | €5.0m | ▼ 3.4% |
| Contributions10/11 | €386,701 | €386,701 | €386,701 | €386,701 | €386,701 | = |
| Reserves13 | €4.6m | €4.7m | €4.8m | €4.8m | €4.6m | ▼ 3.6% |
| Non-distributable reserves130/1 | €38,701 | €38,701 | - | - | - | - |
| Reserves not available under the articles1311 | €38,701 | €38,701 | - | - | - | - |
| Tax-exempt reserves132 | €70,961 | €70,961 | €52,016 | €73,066 | €115,166 | ▲ 57.6% |
| Distributable reserves133 | €4.5m | €4.6m | €4.7m | €4.7m | €4.5m | ▼ 4.6% |
| Amounts payable17/49 | €660,402 | €895,341 | €873,662 | €794,354 | €1.1m | ▲ 35.4% |
| Amounts payable after more than one year17 | €460,000 | €780,924 | €737,688 | €694,128 | €750,009 | ▲ 8.1% |
| Financial debts170/4 | €460,000 | €780,924 | €737,688 | €694,128 | €750,009 | ▲ 8.1% |
| Amounts payable within one year42/48 | €184,243 | €98,259 | €103,907 | €82,796 | €305,010 | ▲ 268% |
| Current portion of amounts payable after more than one year42 | - | €42,932 | €43,236 | €43,560 | €72,883 | ▲ 67.3% |
| Trade debts44 | €4,361 | €12,261 | €8,661 | €3,133 | €1,673 | ▼ 46.6% |
| Suppliers440/4 | €4,361 | €12,261 | €8,661 | €3,133 | €1,673 | ▼ 46.6% |
| Advances received on contracts in progress46 | - | - | - | - | €38,720 | - |
| Taxes, remuneration and social security45 | €151,466 | €21,006 | €17,416 | €14,623 | €11,335 | ▼ 22.5% |
| Taxes450/3 | €145,151 | €13,753 | €10,024 | €7,112 | €3,813 | ▼ 46.4% |
| Remuneration and social security454/9 | €6,316 | €7,253 | €7,392 | €7,511 | €7,522 | ▲ 0.1% |
| Other amounts payable47/48 | €28,416 | €22,060 | €34,594 | €21,479 | €180,399 | ▲ 740% |
| Accrued charges and deferred income492/3 | €16,158 | €16,158 | €32,067 | €17,430 | €20,352 | ▲ 16.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €192,233 | €108,629 | €81,296 | €89,430 | €76,410 | ▼ 14.6% |
| + Depreciation and write-downs630 | €31,969 | €45,817 | €64,877 | €81,436 | €94,938 | ▲ 16.6% |
| Operating cash flow (approximation) | €224,201 | €154,446 | €146,173 | €170,866 | €171,347 | ▲ 0.3% |
| Investment in fixed assets (approximation) | - | -€338,298 | -€160,898 | -€1,607 | -€301,455 | ▼ 18,664% |
| Change in cash | - | €28,654 | -€243,601 | -€40,057 | -€87,037 | ▼ 117% |
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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €76,410 ▼14.6%
Net result drops to €76,410, the lowest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity doublescurrent ratio 5.28
Current ratio from 2.54 to 5.28; short-term debt falls from €184,243 to €98,259.
31-12
Financial
Equity above €5mEq €5.1m ▲2.2%
5 profitable years in a row build equity to €5.1m.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €1.3m ▲985%
Net result €1.3m, the highest in the series.
31-12
Financial
Liquidity times 13current ratio 2.11
Current ratio from 0.16 to 2.11; short-term debt falls from €368,797 to €344,903.
10-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 10 days late
Show earlier events
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
15-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 15 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Lommel · 1 establishment unit since 1984
Ground area
2,221 m²
Building footprint
627 m²
Volume, LiDAR
2,493 m³
Parcel 72345B0855/00V060, Flanders · tallest building 8.5 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Sint-Bernardusstraat 5, 3920 Lommel
since 19842.025.934.773
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72345B0855/00V060 | Flanders | 2,221 m² | 1 · 627 m² | 8.5 m · 1 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
-
50%
According to the 2025 annual accounts of BOVEL 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 1,127 companies in sector 47830 we hold annual accounts for 467. 104 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
Founded24-11-1984
Fiscal year end31-12
Activities, NACEBEL 2025
47830Retail sale of motorcycles and motorcycle parts and accessories
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0426554134
Also
9925:BE0426554134
Registered
17-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationGeneral meeting
Jaarverslag. Goedkeuring jaarrekening. Bestemming resultaat. Kwijting bestuurders. Divers. (AOPC-1-9-02336/14.05)