BV SERVICE
ActiveBV SERVICE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €418k and a net result of €291k. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 46% of 6144 sector peers (fiscal year 2024). The company has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
58 d late
2022
30 d late
2021
31 d late
2020
122 d late
2019
61 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€418k▲ 0.2%
2023 · €417k
2018: €317k
2019: €318k
2020: €318k
2021: €317k
2022: €326k
2023: €417k
2018 → 2024
Net result
€291k▲ 36.2%
2023 · €214k
2018: €114k
2019: €77k
2020: €117k
2021: €74k
2022: €89k
2023: €214k
2018 → 2024
Total assets
€863k▲ 31.5%
2023 · €657k
2018: €499k
2019: €489k
2020: €512k
2021: €463k
2022: €506k
2023: €657k
2018 → 2024
Solvency
48.4%▼ 15.1pp
2023 · 63.5%
2018: 63.5%
2019: 65.1%
2020: 62.2%
2021: 68.5%
2022: 64.4%
2023: 63.5%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€318k-€317k▼ 0.4%€326k▲ 2.9%€417k▲ 27.8%€418k▲ 0.2%
Operating result€159k-€102k▼ 36.0%€125k▲ 22.7%€289k▲ 131%€391k▲ 35.6%
Net result€117k-€74k▼ 37.0%€89k▲ 21.0%€214k▲ 140%€291k▲ 36.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 36% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €863k
Fixed assets
€67k▲ 135%
Current assets
€796k▲ 26.8%
Equity and liabilities €863k
Equity
€418k▲ 0.2%
Debt
€445k▲ 85.9%
The debt ratio rises from 36.5% to 51.6%: debt grows faster than equity.
Key figures and ratios
Solvency
48.4%▼
2023 · 63.5%
ROE
69.6%▲
2023 · 51.2%
ROA
33.7%▲
2023 · 32.5%
Debt
€445k▲
2023 · €239k
Debt ≤ 1 year
€436k▲
2023 · €237k
Income taxes
€108k▲
2023 · €76k
Staff costs
€302k▲
2023 · €283k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€657k€863k▲
Fixed assets21/28€29k€67k▲
Tangible fixed assets22/27€29k€67k▲
Furniture and vehicles24€29k€67k▲
Current assets29/58€628k€796k▲
Amounts receivable within one year40/41€116k€0▼
Trade receivables40€70k€0▼
Other amounts receivable41€47k€0▼
Current investments50/53€300k€500k▲
Cash at bank and in hand54/58€209k€294k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€657k€863k▲
Equity10/15€417k€418k▲
Contributions10/11€98k€98k=
Capital10€98k€98k=
Issued capital100€98k€98k=
Reserves13€94k€94k=
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Tax-exempt reserves132€84k€84k=
Profit (loss) carried forward14€225k€226k▲
Amounts payable17/49€239k€445k▲
Amounts payable within one year42/48€237k€436k▲
Trade debts44€46k€58k▲
Suppliers440/4€46k€58k▲
Taxes, remuneration and social security45€63k€87k▲
Taxes450/3€31k€52k▲
Remuneration and social security454/9€32k€35k▲
Other amounts payable47/48€129k€291k▲
Accrued charges and deferred income492/3€2k€10k▲
Income statement
Code20232024
Remuneration, social security and pensions62€283k€302k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€12k▲
Other operating charges640/8€1k€3k▲
Non-recurring operating charges66A€700€34k▲
Gross operating margin9900€575k€741k▲
Operating profit (loss)9901€289k€391k▲
Financial income75/76B€1k€8k▲
Recurring financial income75€1k€8k▲
Financial charges65/66B€189€92▼
Recurring financial charges65€189€92▼
Profit (loss) for the period before taxes9903€290k€399k▲
Income taxes67/77€76k€108k▲
Profit (loss) for the period9904€214k€291k▲
Transfer to tax-exempt reserves689€84k€0▼
Profit (loss) for the period to be appropriated9905€129k€291k▲
Appropriation of the result
Profit (loss) to be appropriated9906€348k€516k▲
Profit (loss) brought forward from the previous period14P€218k€225k▲
Profit to be distributed694/7€123k€290k▲
Return on contributions (dividend)694€123k€290k▲
Social balance
Average headcount (FTE)90874.60.0▼
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €291k ▲36.2%
Operating result €391k, net result €291k, both a record.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 58 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €74k ▼37%
Net result drops to €74k, the lowest in the series; recovery starts the following year.
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 122 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 92 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Poperinge · 2 establishment units since 2003
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Prof.Rubbrechtstraat 688972 PoperingeGround area
688 m²
Building footprint
282 m²
Volume, LiDAR
758 m³
2 parcels, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Prof.Rubbrechtstraat 68, 8972 Poperinge
since 20032.142.902.224
BV SERVICE
since 20032.129.578.283
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32014C0188/00K000 | Flanders | 473 m² | 1 · 152 m² | - |
| 33024A0829/00Y002 | Flanders | 215 m² | 1 · 129 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 90 EUR awarded · 90 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 90 EUR | 90 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 231 companies in sector 64190 we hold annual accounts for 109. 76 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-05-1986
Fiscal year end31-12
Activities, NACEBEL
64190Financial service activities, except insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.