Age5 yrs
Real estate2 parcels · 791 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of BV&MD is 2.1% (moderate). The 2025 annual accounts show equity of €27k and a net result of €10k. Its solvency ranks better than 45% of 1070 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Trust signals
3 signalsMore than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
0 events
No administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.1%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€257k+10.3%
EBIT margin5.4%+3.8pp
Net result€10k+261.7%
Working capital€6k-12.8%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 22-09-2025 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 37.6% | 42.4% | |
| Net result | €10k | €11k | |
| Equity | €27k | €35k | |
| Gross operating margin | €25k | €30k | |
| Staff costs | €637 | €17k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€257k
+10.3%
22-25
€24k
-
+52% vs sector
€10k
+261.7%
far above sector median
€20k
-
far above sector median
€72k
+674.7%
-84% vs sector
€27k
+296.3%
-76% vs sector
€6k
-12.8%
-70% vs sector
€637
+607.0%
-99% vs sector
€3k
+298.4%
+29% vs sector
€45k
+1723.4%
-85% vs sector
€43k
+1651.5%
-83% vs sector
€2k
-
-99% vs sector
1.14
-69.8%
-20% vs sector
1.14
-69.8%
-20% vs sector
37.6%
-48.8%
+19% vs sector
1.66
+360.1%
-23% vs sector
38.0%
-8.7%
far above sector median
14.3%
-53.3%
far above sector median
4.0%
+227.9%
22-25
9.3%
-
22-25
35.27
-
far above sector median
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Revenue | €257k |
| EBITDA | €24k |
| Net profit | €10k |
| Cash flow | €20k |
| Staff costs | €637 |
| Income taxes | €3k |
| Dividends | - |
| Total assets | €72k |
| Equity | €27k |
| Debt | €45k |
| of which ≤ 1y | €43k |
| of which > 1y | €2k |
| Working capital | €6k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 1.14 |
| Quick ratio | 1.14 |
| Working capital ratio | 8.3% |
| Solvency | 37.6% |
| Debt / equity | 1.66 |
| Long-term debt ratio | 0.07 |
| Interest coverage | 35.27 |
| Gross margin | 9.6% |
| Net margin | 4.0% |
| ROA | 14.3% |
| ROE | 38.0% |
| EBITDA margin | 9.3% |
| Days sales outstanding | 41d |
| Days payable outstanding | 45d |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €72k |
| Fixed assets | 21/28 | €23k |
| Tangible fixed assets | 22/27 | €23k |
| Current assets | 29/58 | €49k |
| Amounts receivable within one year | 40/41 | €35k |
| Cash & bank | 54/58 | €14k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €72k |
| Equity | 10/15 | €27k |
| Contributions / capital | 10/11 | €4k |
| Accumulated profits (losses) | 14 | €23k |
| Amounts payable | 17/49 | €45k |
| Amounts payable after one year | 17 | €2k |
| Amounts payable within one year | 42/48 | €43k |
| Trade debts payable within one year | 44 | €29k |
| Income statement | ||
| Turnover | 70 | €257k |
| Gross operating margin | 9900 | €25k |
| Operating result | 9901 | €14k |
| Financial income | 75 | €14k |
| Financial charges | 65 | €675 |
| Result before taxes | 9903 | €13k |
| Income taxes | 67/77 | €3k |
| Net result for the period | 9904 | €10k |
| Result to be appropriated | 9905 | €10k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2025 · computed91
/ 100
Excellent
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
1 locationBV&MD
since 20202.309.402.229
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area791 m²
Buildings2
Building footprint437 m²
Volume (LiDAR)3,582 m³
Tallest building14.8 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22006A0114/00P000 | Flanders | 520 m² | 1 · 325 m² | 14.8 m · 3 fl. |
| 45028A0394/00B002 | Flanders | 271 m² | 1 · 112 m² | 9.9 m · 2 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Analysis
Snowflake analysis
financial profile on 5 axes77
/ 100
Exceptional profile, strong across almost every axis.
Health
91
Profitability
64
Solvency
62
Growth
74
Stability
94
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Credit advice
verdict per customer and amountSimilar
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Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
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Primary activity highlighted.
Names & trade names
| Legal nameNL | BV&MD |
Registered office
Lange Eikstraat 46
1970 Wezembeek-Oppem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.