Financials
- Financial year
- 2024
- Turnover
- €120,972
- Profit
- €10,078
- Solvency
- 68.6%
Turnover▼ 18.4%
Net result
20222024
BOVY PIANOS
ActiveSummary
The computed 12-month bankruptcy probability of BOVY PIANOS is 1.5% (moderate). The 2024 annual accounts show equity of €103,635 and a net result of €10,078. Equity is growing by about 11% per year across the filed financial years. Its solvency ranks better than 79% of 25,569 sector peers (NACE 47, financial year 2024). The company has been active since 2003 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Retail sale of other cultural and recreation goods
NACE 47690Other manufacturing NACE 32200
1 site
Size
€120,972turnover 2024
- Equity
- €103,635
- Profit
- €10,078
Structure
2025 accounts not filed, 85 days past the deadline
Why 56raises riskCapped at 59: a confirmed filing finding1 financial year not filed after the legal deadline; last filed accounts filed 153 days late; 3 of the last 3 lateFigures for financial year 2024 (filed 07-01-2026)Size: turnover €120,972, total assets €151,089lowers riskFounded in 2003Show the evidence
Checked score
Score 2024
56
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 64% of its sector peers (NACE 47, micro)
A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2023
Strong
Solvency
94+11
equity 68.6% of total assets
Liquidity
52-5
short-term debt 31.4% · cash 12.7%
Profitability
85+7
return on assets 6.7%
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.4%
12-2024: 0.4%● unchanged vs 11-2024
01-2025: 0.5%▲ +0.1 percentage points vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.4%▼ -0.1 percentage points vs 05-2025
07-2025: 0.4%● unchanged vs 06-2025lowest value
08-2025: 0.6%▲ +0.2 percentage points vs 07-2025
09-2025: 0.7%▲ +0.1 percentage points vs 08-2025
10-2025: 0.9%▲ +0.2 percentage points vs 09-2025
11-2025: 0.9%● unchanged vs 10-2025
12-2025: 1.4%▲ +0.5 percentage points vs 11-2025
01-2026: 3.3%▲ +1.9 percentage points vs 12-2025highest value
02-2026: 0.8%▼ -2.5 percentage points vs 01-2026
03-2026: 0.8%● unchanged vs 02-2026
04-2026: 0.8%● unchanged vs 03-2026
05-2026: 0.8%● unchanged vs 04-2026
06-2026: 0.7%▼ -0.1 percentage points vs 05-2026
07-2026: 0.7%● unchanged vs 06-2026
08-2026: 1.1%▲ +0.4 percentage points vs 07-2026
09-2026: 1.2%▲ +0.1 percentage points vs 08-2026
10-2026: 1.5%▲ +0.3 percentage points vs 09-2026
Credit of up to €5,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity ample (current ratio 2.85, compared with 2.0 in 2023, above the usual 1.5; short-term debt: 31.4% and cash: 12.7% of total assets), and 31.4% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 80% on solvency, 57% on liquidity, 79% on profitability and 40% on growth.
The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Six signals.
lowers riskraises risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 85 days later.
NBB · 9 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline24-10-2026 today
raises risk · 2024 accounts filed 153 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-12-2025, 153 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 9 filingsDeviation from the deadline
2025
not filed
2024
153 days late
2023
60 days late
2022
153 days late
2021
31 days late
2020
73 days early
2018
31 days late
← 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 59 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.
Searched, nothing found (1)
- Annual accounts filedfinancial year 2024 · micro…
- Back to profitnet €10,078
- Equity above €100,000equity €103,635 ▲10.8%
Key points
By topic
Timeline
- Events
- 24
- Since
- 2004
- 29-09-2024Annual accounts filed
- 20-02-2024Annual accounts filed
- 31-12-2023Weakest financial year
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Activity
- Retail sale of other cultural and recreation goodsNACE 47690
- Founded
- 03-03-2003
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Key facts about BOVY PIANOS
- What is the company number of BOVY PIANOS?
- 0479.689.546. In Belgium the VAT number is the company number with BE in front: BE 0479.689.546.
- Where is BOVY PIANOS based?
- The registered office is at Rue Grand'rue 206, 4870 Trooz.Company details
- What does BOVY PIANOS do?
- According to the KBO register, the main activity is retail sale of other cultural and recreation goods (NACE 47690).
- What is the legal form of BOVY PIANOS?
- Private limited company (pre-2019) (BVBA).
- When was BOVY PIANOS founded?
- On 03-03-2003.
- Is BOVY PIANOS still active?
- Yes, BOVY PIANOS is an active enterprise in the KBO register.
- How many employees does BOVY PIANOS have?
- On average 0.3 full-time equivalents in financial year 2018, according to the filed annual accounts.Financials
- What is the turnover of BOVY PIANOS?
- €120,972 in financial year 2024, according to the filed annual accounts.
- Is BOVY PIANOS profitable?
- In financial year 2024, BOVY PIANOS made a profit of €10,078.
- Where can I find the annual accounts of BOVY PIANOS?
- BOVY PIANOS filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
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