BV CONSTRUCT & CONSULT
ActiveSummary
BV CONSTRUCT & CONSULT has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €17,352 and a net result of -€2,321. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 36378 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability45=
Solvency28=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.52 against 0.58 in 2023; short-term debt: 41.3% and cash: 0% of total assets), and 97.1% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
2.9%
Return on assets
-0.4%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 36378 sector peers (2024).
NBB · sector comparisonPosition among 36378 sector peers
Solvency
better than 10%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-03-2026, 224 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
224 d late
2023
21 d late
2022
92 d late
2021
31 d late
2020
31 d late
2019
24 d early
← 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 63 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
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Financials · fiscal year 2024, micro schema
In the rankings
#6 company by total assets in Saint-Georges-sur-Meuse, Construction sector#7 oldest company in Saint-Georges-sur-Meuse, Construction sector
Equity
€17,352▼ 11.8%
2023 · €19,673
Total assets
€597,993▼ 7.2%
2023 · €644,736
Net result
-€2,321
2023 · €965
Working capital
-€117,797▼ 11.3%
2023 · -€105,813
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€33,180▲ 74.3%€30,034▼ 9.5%€26,377▼ 12.2%€19,185▼ 27.3%€9,178▼ 52.2%
Net result€18,184within the sector's middle half▲ 1,772%€15,866within the sector's middle half▼ 12.8%€8,362within the sector's middle half▼ 47.3%€965within the sector's middle half▼ 88.5%-€2,321below the sector's middle half
Equity-€5,519below the sector's middle half▲ 76.7%€10,347below the sector's middle half€18,709below the sector's middle half▲ 80.8%€19,673below the sector's middle half▲ 5.2%€17,352below the sector's middle half▼ 11.8%
Total assets€687,695above the sector's middle half▼ 0.6%€678,353above the sector's middle half▼ 1.4%€675,528above the sector's middle half▼ 0.4%€644,736above the sector's middle half▼ 4.6%€597,993above the sector's middle half▼ 7.2%
Debt€693,214▼ 3.1%€668,006▼ 3.6%€656,819▼ 1.7%€625,063▼ 4.8%€580,641▼ 7.1%
Working capital-€78,878below the sector's middle half▲ 14.8%-€66,386below the sector's middle half▲ 15.8%-€107,474below the sector's middle half▼ 61.9%-€105,813below the sector's middle half▲ 1.5%-€117,797below the sector's middle half▼ 11.3%
Solvency-0.8%below the sector's middle half▲ 2.6pp1.5%below the sector's middle half▲ 2.3pp2.8%below the sector's middle half▲ 1.2pp3.1%below the sector's middle half▲ 0.3pp2.9%below the sector's middle half▼ 0.1pp
Current ratio0.65below the sector's middle half▲ 0.080.71below the sector's middle half▲ 0.060.58below the sector's middle half▼ 0.130.58below the sector's middle half=0.52below the sector's middle half▼ 0.06
Return on assets (ROA)2.6%within the sector's middle half▲ 2.5pp2.3%within the sector's middle half▼ 0.3pp1.2%within the sector's middle half▼ 1.1pp0.1%below the sector's middle half▼ 1.1pp-0.4%below the sector's middle half▼ 0.5pp
Staff (FTE)1.1within the sector's middle half▼ 26.7%1.7▲ 54.5%1.3▼ 23.5%1.1▼ 15.4%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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 has fallen four years in a row; 2024 is 52% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €597,993
Fixed assets
€468,996 ▼ 5.7%
Current assets
€128,997 ▼ 12.4%
Equity and liabilities €597,993
Equity
€17,352 ▼ 11.8%
Debt
€580,641 ▼ 7.1%
Debt's share of the balance-sheet total rises from 96.9% to 97.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€37,456▼
2023 · €48,997
Cash flow
€25,957▼
2023 · €30,777
Quick ratio
0.44▼
2023 · 0.51
Debt to equity
33.46▲
2023 · 31.77
ROE
-13.4%▼
2023 · 4.9%
Interest coverage
3.23▲
2023 · 3.15
Debt ≤ 1 year
€246,794▼
2023 · €253,014
Debt > 1 year
€331,988▼
2023 · €367,682
Income taxes
€582▼
2023 · €3,203
Staff costs
€213▼
2023 · €34,437
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,104 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 94% are still going.
- Small
- 20 years or older
- solvency under 10%
- a small loss
1.8%
went bankrupt
3.6%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,104 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €2,243 | - |
| Remuneration, social security and pensions62 | - | €47,275 | €33,714 | €34,437 | €213 | ▼ 99.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €30,459 | €28,333 | €27,807 | €29,813 | €28,278 | ▼ 5.1% |
| Other operating charges640/8 | - | €815 | €7,108 | €4,427 | €4,845 | ▲ 9.4% |
| Non-recurring operating charges66A | - | - | €12,648 | €6,066 | €3,150 | ▼ 48.1% |
| Gross operating margin9900 | €94,336 | €106,457 | €107,654 | €93,927 | €45,664 | ▼ 51.4% |
| Operating profit (loss)9901 | €33,180 | €30,034 | €26,377 | €19,185 | €9,178 | ▼ 52.2% |
| Financial income75/76B | - | €1 | €0 | €562 | €679 | ▲ 20.8% |
| Recurring financial income75 | €72 | €1 | €0 | €562 | €679 | ▲ 20.8% |
| Financial charges65/66B | - | €14,169 | €11,915 | €15,579 | €11,595 | ▼ 25.6% |
| Recurring financial charges65 | €15,068 | €14,169 | €11,915 | €15,579 | €11,595 | ▼ 25.6% |
| Profit (loss) for the period before taxes9903 | €18,184 | €15,866 | €14,462 | €4,168 | -€1,739 | ▼ 142% |
| Income taxes67/77 | - | - | €6,100 | €3,203 | €582 | ▼ 81.8% |
| Profit (loss) for the period9904 | €18,184 | €15,866 | €8,362 | €965 | -€2,321 | ▼ 341% |
| Profit (loss) for the period to be appropriated9905 | €18,184 | €15,866 | €8,362 | €965 | -€2,321 | ▼ 341% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €687,695 | €678,353 | €675,528 | €644,736 | €597,993 | ▼ 7.2% |
| Fixed assets21/28 | €540,321 | €514,934 | €527,347 | €497,535 | €468,996 | ▼ 5.7% |
| Tangible fixed assets22/27 | €540,061 | €514,674 | €527,087 | €497,275 | €468,996 | ▼ 5.7% |
| Land and buildings22 | - | €511,577 | €524,726 | €495,649 | €468,106 | ▼ 5.6% |
| Plant, machinery and equipment23 | - | €3,097 | €2,361 | €1,626 | €891 | ▼ 45.2% |
| Financial fixed assets28 | €260 | €260 | €260 | €260 | - | - |
| Current assets29/58 | €147,374 | €163,419 | €148,181 | €147,201 | €128,997 | ▼ 12.4% |
| Stocks and contracts in progress3 | €3,375 | €19,601 | €18,544 | €19,380 | €19,380 | = |
| Stocks30/36 | - | €3,851 | €4,069 | €3,680 | €3,680 | = |
| Contracts in progress37 | - | €15,750 | €14,475 | €15,700 | €15,700 | = |
| Amounts receivable within one year40/41 | €122,807 | €141,631 | €127,432 | €125,596 | €106,646 | ▼ 15.1% |
| Trade receivables40 | - | €112,489 | €114,368 | €113,224 | €95,246 | ▼ 15.9% |
| Other amounts receivable41 | - | €29,142 | €13,064 | €12,372 | €11,400 | ▼ 7.9% |
| Current investments50/53 | €1,660 | €1,660 | €1,660 | €1,660 | €1,660 | = |
| Cash at bank and in hand54/58 | €313 | €7 | €3 | €0 | €0 | = |
| Deferred charges and accrued income490/1 | - | €519 | €542 | €566 | €1,311 | ▲ 132% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €687,695 | €678,353 | €675,528 | €644,736 | €597,993 | ▼ 7.2% |
| Equity10/15 | -€5,519 | €10,347 | €18,709 | €19,673 | €17,352 | ▼ 11.8% |
| Contributions10/11 | - | €13,000 | €13,000 | €13,000 | €13,000 | = |
| Reserves13 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Non-distributable reserves130/1 | - | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves not available under the articles1311 | - | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | -€20,519 | -€4,653 | €3,709 | €4,673 | €2,352 | ▼ 49.7% |
| Amounts payable17/49 | €693,214 | €668,006 | €656,819 | €625,063 | €580,641 | ▼ 7.1% |
| Amounts payable after more than one year17 | €466,962 | €434,475 | €401,165 | €367,682 | €331,988 | ▼ 9.7% |
| Financial debts170/4 | - | €352,815 | €319,505 | €286,022 | €250,328 | ▼ 12.5% |
| Other amounts payable178/9 | - | €81,660 | €81,660 | €81,660 | €81,660 | = |
| Amounts payable within one year42/48 | €226,252 | €229,805 | €255,654 | €253,014 | €246,794 | ▼ 2.5% |
| Current portion of amounts payable after more than one year42 | - | €35,157 | €36,049 | €33,483 | €37,901 | ▲ 13.2% |
| Financial debts43 | - | €9,400 | €17,723 | €9,900 | €12,342 | ▲ 24.7% |
| Credit institutions430/8 | - | €9,400 | €17,723 | €9,900 | €12,342 | ▲ 24.7% |
| Trade debts44 | €126,349 | €125,146 | €120,544 | €121,013 | €118,874 | ▼ 1.8% |
| Suppliers440/4 | - | €125,146 | €120,544 | €121,013 | €118,874 | ▼ 1.8% |
| Taxes, remuneration and social security45 | - | €31,460 | €21,350 | €33,826 | €17,306 | ▼ 48.8% |
| Taxes450/3 | - | €10,568 | €14,361 | €22,351 | €17,306 | ▼ 22.6% |
| Remuneration and social security454/9 | - | €20,891 | €6,988 | €11,475 | - | - |
| Other amounts payable47/48 | - | €28,642 | €59,988 | €54,792 | €60,371 | ▲ 10.2% |
| Accrued charges and deferred income492/3 | - | €3,726 | - | €4,367 | €1,859 | ▼ 57.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18,184 | €15,866 | €8,362 | €965 | -€2,321 | ▼ 341% |
| + Depreciation and write-downs630 | €30,459 | €28,333 | €27,807 | €29,813 | €28,278 | ▼ 5.1% |
| Operating cash flow (approximation) | €48,643 | €44,199 | €36,169 | €30,777 | €25,957 | ▼ 15.7% |
| Investment in fixed assets (approximation) | - | -€2,946 | -€40,220 | €0 | €260 | - |
| Change in cash | - | -€305 | -€4 | -€3 | €0 | ▲ 100% |
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
2026
12-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 224 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €18,184 ▲1,772%
Operating result €33,180, net result €18,184, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €971
Net result €971 after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 61 days late
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 426 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Saint-Georges-sur-Meuse · 1 establishment unit since 2003
Ground area
692 m²
Building footprint
55 m²
Volume, LiDAR
337 m³
Parcel 64065B1718/00B000, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Joseph Wauters 141, 4470 Saint-Georges-sur-Meuse
since 20032.115.236.735
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64065B1718/00B000 | Wallonia | 692 m² | 1 · 55 m² | 7.5 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 20,025 companies in sector 43320 we hold annual accounts for 9,140. 5,860 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 (pre-2019)
Founded04-12-2002
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43310Plastering work
43331Floor and wall tiling
43410Roofing work
43990Other specialised construction activities
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0478918494
Also
9925:BE0478918494
Registered
03-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.