BSCV
ActiveSummary
BSCV has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €-2k. Equity is shrinking by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 73% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability32▲+1
Solvency87▼-10
Growth58=
Track record94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.62 against 3.59 in 2024; short-term debt: 38.2% and cash: 7% of total assets), and 38.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
61.6%
Return on assets
-2.2%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-02-2026, 5 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 · 4 filingsDeviation from the deadline
2025
5 d late
2024
4 d late
2023
28 d late
2022
17 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€51k▼ 3.5%
2024 · €53k
2022: €60khighest in 4 years
2023: €55k▼ -8.4% vs 2022
2024: €53k▼ -3.3% vs 2023
2025: €51k▼ -3.5% vs 2024lowest in 4 years
2022 → 2025
Total assets
€83k▲ 13.1%
2024 · €73k
2022: €236k
2023: €348k▲ +47.6% vs 2022highest in 4 years
2024: €73k▼ -79.0% vs 2023lowest in 4 years
2025: €83k▲ +13.1% vs 2024
2022 → 2025
Net result
€-2k▼ 1.2%
2024 · €-2k
2022: €-18klowest in 4 years
2023: €-5k▲ +71.4% vs 2022
2024: €-2k▲ +63.6% vs 2023highest in 4 years
2025: €-2k▼ -1.2% vs 2024
2022 → 2025
Working capital
€51k▼ 3.1%
2024 · €53k
2022: €60khighest in 4 years
2023: €55k▼ -8.4% vs 2022
2024: €53k▼ -3.3% vs 2023
2025: €51k▼ -3.1% vs 2024lowest in 4 years
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€60k-€55k▼ 8.4%€53k▼ 3.3%€51k▼ 3.5%
2022: €60khighest in 4 years
2023: €55k▼ -8.4% vs 2022
2024: €53k▼ -3.3% vs 2023
2025: €51k▼ -3.5% vs 2024lowest in 4 years
Operating result€-14k-€3k€3k▼ 1.7%€-2k
2022: €-14klowest in 4 years
2023: €3k▲ +121% vs 2022highest in 4 years
2024: €3k▼ -1.7% vs 2023
2025: €-2k▼ -160% vs 2024
Net result€-18k-€-5k▲ 71.4%€-2k▲ 63.6%€-2k▼ 1.2%
2022: €-18klowest in 4 years
2023: €-5k▲ +71.4% vs 2022
2024: €-2k▲ +63.6% vs 2023highest in 4 years
2025: €-2k▼ -1.2% vs 2024
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 2025: a loss of €2k after €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €83k
Equity
€51k ▼ 3.5%
Debt
€32k ▲ 56.2%
Debt's share of the balance-sheet total rises from 27.8% to 38.4%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
2.62▼
2024 · 3.59
Quick ratio
2.15▼
2024 · 3.59
Debt to equity
0.62▲
2024 · 0.39
ROE
-3.6%▼
2024 · -3.5%
ROA
-2.2%▲
2024 · -2.5%
Debt ≤ 1 year
€32k▲
2024 · €20k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 32 lines
Balance sheet
Code20242025
Assets
Total assets20/58€73k€83k▲
Current assets29/58€73k€83k▲
Stocks and contracts in progress3-€15k
Contracts in progress37-€15k
Amounts receivable within one year40/41€50k€60k▲
Trade receivables40€31k€17k▼
Other amounts receivable41€18k€43k▲
Cash at bank and in hand54/58€21k€6k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€73k€83k▲
Equity10/15€53k€51k▼
Contributions10/11€77k€77k=
Profit (loss) carried forward14€-24k€-26k▼
Amounts payable17/49€20k€32k▲
Amounts payable within one year42/48€20k€32k▲
Trade debts44€2k€14k▲
Suppliers440/4€2k€14k▲
Taxes, remuneration and social security45€757€0▼
Taxes450/3€757€0▼
Other amounts payable47/48€17k€18k▲
Accrued charges and deferred income492/3-€192
Income statement
Code20242025
Other operating charges640/8€125€641▲
Non-recurring operating charges66A-€280
Gross operating margin9900€3k€-792▼
Operating profit (loss)9901€3k€-2k▼
Financial charges65/66B€5k€135▼
Recurring financial charges65€5k€135▼
Profit (loss) for the period before taxes9903€-2k€-2k▼
Profit (loss) for the period9904€-2k€-2k▼
Profit (loss) for the period to be appropriated9905€-2k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€-26k▼
Profit (loss) brought forward from the previous period14P€-23k€-24k▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Other operating charges640/8 | €9k | €126 | €125 | €641 | ▲ 414% |
| Non-recurring operating charges66A | - | - | - | €280 | - |
| Gross operating margin9900 | €-5k | €3k | €3k | €-792 | ▼ 127% |
| Operating profit (loss)9901 | €-14k | €3k | €3k | €-2k | ▼ 160% |
| Financial income75/76B | €98 | - | - | - | - |
| Recurring financial income75 | €98 | - | - | - | - |
| Financial charges65/66B | €4k | €8k | €5k | €135 | ▼ 97.1% |
| Recurring financial charges65 | €4k | €8k | €5k | €135 | ▼ 97.1% |
| Profit (loss) for the period before taxes9903 | €-18k | €-5k | €-2k | €-2k | ▼ 1.2% |
| Profit (loss) for the period9904 | €-18k | €-5k | €-2k | €-2k | ▼ 1.2% |
| Profit (loss) for the period to be appropriated9905 | €-18k | €-5k | €-2k | €-2k | ▼ 1.2% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €236k | €348k | €73k | €83k | ▲ 13.1% |
| Current assets29/58 | €236k | €348k | €73k | €83k | ▲ 13.1% |
| Stocks and contracts in progress3 | €228k | €302k | - | €15k | - |
| Stocks30/36 | €228k | €302k | - | - | - |
| Contracts in progress37 | - | - | - | €15k | - |
| Amounts receivable within one year40/41 | €5k | €43k | €50k | €60k | ▲ 21.1% |
| Trade receivables40 | €69 | €25k | €31k | €17k | ▼ 46.5% |
| Other amounts receivable41 | €5k | €18k | €18k | €43k | ▲ 138% |
| Cash at bank and in hand54/58 | - | €311 | €21k | €6k | ▼ 72.9% |
| Deferred charges and accrued income490/1 | €3k | €2k | €2k | €2k | ▼ 6.3% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €236k | €348k | €73k | €83k | ▲ 13.1% |
| Equity10/15 | €60k | €55k | €53k | €51k | ▼ 3.5% |
| Contributions10/11 | €77k | €77k | €77k | €77k | = |
| Profit (loss) carried forward14 | €-18k | €-23k | €-24k | €-26k | ▼ 7.6% |
| Amounts payable17/49 | €176k | €293k | €20k | €32k | ▲ 56.2% |
| Amounts payable within one year42/48 | €176k | €293k | €20k | €32k | ▲ 55.3% |
| Financial debts43 | €151k | €244k | - | - | - |
| Credit institutions430/8 | €151k | €238k | - | - | - |
| Other loans439 | - | €7k | - | - | - |
| Trade debts44 | €7k | €23k | €2k | €14k | ▲ 482% |
| Suppliers440/4 | €7k | €23k | €2k | €14k | ▲ 482% |
| Taxes, remuneration and social security45 | - | - | €757 | €0 | ▼ 100% |
| Taxes450/3 | - | - | €757 | €0 | ▼ 100% |
| Other amounts payable47/48 | €18k | €27k | €17k | €18k | ▲ 3.4% |
| Accrued charges and deferred income492/3 | - | - | - | €192 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-18k | €-5k | €-2k | €-2k | ▼ 1.2% |
| Operating cash flow (approximation) | €-18k | €-5k | €-2k | €-2k | ▼ 1.2% |
| Change in cash | - | - | €21k | €-16k | ▼ 174% |
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
05-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
30-06
Financial
Liquidity triplescurrent ratio 3.59
Current ratio from 1.19 to 3.59; short-term debt falls from €293k to €20k.
28-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
17-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Sint-Truiden · 1 establishment unit since 2021
Ground area
999 m²
Building footprint
153 m²
Volume, LiDAR
1,097 m³
Parcel 71353F0082/00T000, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BSCV
since 20212.316.653.077
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71353F0082/00T000 | Flanders | 999 m² | 1 · 153 m² | 10.7 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.
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Of 9,693 companies in sector 68121 we hold annual accounts for 7,385. 5,025 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
Founded27-04-2021
Fiscal year end30-06
Activities, NACEBEL 2025
68121Development of residential building projects
41001General construction of residential buildings
43990Other specialised construction activities
Scores and ratios are computed by Checked and are not a credit decision.