BV STORE BE
ActiveSummary
The computed 12-month bankruptcy probability of BV STORE BE is 1.8% (moderate). The 2025 annual accounts show negative equity (-€1.1m) and a net result of -€720,521. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 5048 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0▼-12
Growth26▼-6
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.4 against 0.54 in 2024; short-term debt: 144.9% and cash: 2.2% of total assets), and equity is negative.
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Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-44.9%
Return on assets
-28.9%
Age of the figures
18 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% 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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€1.1m
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 12-10-2025, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
19 d early
2024
1 d early
2023
7 d early
2022
4 d late
2021
16 d early
2020
16 d early
2019
8 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 9 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 24 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close29-09-2026 today31-10-2026 deadline
History
Go further with this company
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Financials · fiscal year 2025, full schema
In the rankings
#10 employer in Waterloo, Wholesale and retail trade sector
Turnover
€3.4m▼ 6.2%
2024 · €3.7m
EBIT margin
-20.6%▼ 0.9pp
2024 · -19.7%
Net result
-€720,521▲ 20.2%
2024 · -€902,851
Working capital
-€2.2m▼ 41.4%
2024 · -€1.5m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€3.7m€3.4m▼ 6.2%
Operating result-€732,678▼ 115%-€1.5m▼ 108%-€1.1m▲ 28.6%-€722,182▲ 33.5%-€709,160▲ 1.8%
Net result-€737,984below the sector's middle half▼ 113%-€1.6mbelow the sector's middle half▼ 115%-€1.2mbelow the sector's middle half▲ 24.0%-€902,851below the sector's middle half▲ 25.2%-€720,521below the sector's middle half▲ 20.2%
EBIT margin-19.7%-20.6%▼ 0.9pp
Equity-€1.3mbelow the sector's middle half▼ 143%-€2.8mbelow the sector's middle half▼ 127%€503,892within the sector's middle half-€398,959below the sector's middle half-€1.1mbelow the sector's middle half▼ 181%
Total assets€4.5mwithin the sector's middle half▲ 86.1%€4.2mwithin the sector's middle half▼ 7.3%€4.9mwithin the sector's middle half▲ 17.7%€3.0mwithin the sector's middle half▼ 40.1%€2.5mwithin the sector's middle half▼ 15.8%
Debt€5.8m▲ 96.0%€7.0m▲ 21.8%€4.4m▼ 37.0%€3.3m▼ 24.8%€3.6m▲ 8.3%
Working capital-€2.9mbelow the sector's middle half▼ 99.1%-€4.5mbelow the sector's middle half▼ 52.9%-€920,730below the sector's middle half▲ 79.5%-€1.5mbelow the sector's middle half▼ 66.2%-€2.2mbelow the sector's middle half▼ 41.4%
Solvency-27.7%below the sector's middle half▼ 6.5pp-67.8%below the sector's middle half▼ 40.0pp10.2%below the sector's middle half▲ 78.0pp-13.5%below the sector's middle half▼ 23.7pp-44.9%below the sector's middle half▼ 31.4pp
Current ratio0.49below the sector's middle half▼ 0.010.36below the sector's middle half▼ 0.130.79below the sector's middle half▲ 0.430.54below the sector's middle half▼ 0.250.40below the sector's middle half▼ 0.14
Return on assets (ROA)-16.3%below the sector's middle half▼ 2.0pp-37.9%below the sector's middle half▼ 21.5pp-24.4%below the sector's middle half▲ 13.4pp-30.5%below the sector's middle half▼ 6.1pp-28.9%below the sector's middle half▲ 1.6pp
Staff (FTE)21within the sector's middle half▲ 61.5%29.7above the sector's middle half▲ 41.4%28.5above the sector's middle half▼ 4.0%26within the sector's middle half▼ 8.8%18.5within the sector's middle half▼ 28.8%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €709,160 in 2025 against €722,182 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.5m
Fixed assets
€1.0m ▼ 11.3%
Current assets
€1.4m ▼ 18.8%
Key figures and ratios
EBITDA
-€495,814▲
2024 · -€575,344
Cash flow
-€507,175▲
2024 · -€756,012
Quick ratio
0.10▼
2024 · 0.16
Debt to equity
-3.23▲
2024 · -8.36
Interest coverage
-31.20▼
2024 · -26.50
Debt ≤ 1 year
€3.6m▲
2024 · €3.3m
Income taxes
€732▲
2024 · €170
Staff costs
€894,785▼
2024 · €1.2m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 598 companies that looked in July 2024 the way this one looks now, 9.4% went bankrupt within 24 months and 83% are still going.
- Small
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
9.4%
went bankrupt
6.0%
stopped otherwise
83%
still going
A further 1.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 1.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 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% | 1.9% |
| 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 598 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | €3.7m | €3.4m | ▼ 6.2% |
| Non-recurring operating income76A | - | €26,204 | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €3.4m | €3.2m | ▼ 7.0% |
| Remuneration, social security and pensions62 | - | €1.2m | €1.2m | €1.2m | €894,785 | ▼ 24.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €140,115 | €183,937 | €210,482 | €146,839 | €213,346 | ▲ 45.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €964 | -€4,974 | €12,398 | €87,390 | ▲ 605% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | €25,000 | -€25,000 | ▼ 200% |
| Other operating charges640/8 | - | €142,961 | €88,026 | €104,195 | €202,979 | ▲ 94.8% |
| Non-recurring operating charges66A | - | €18,577 | €20,491 | €41,092 | €273 | ▼ 99.3% |
| Gross operating margin9900 | €191,223 | €71,328 | €425,819 | €787,640 | €664,613 | ▼ 15.6% |
| Operating profit (loss)9901 | -€732,678 | -€1.5m | -€1.1m | -€722,182 | -€709,160 | ▲ 1.8% |
| Financial income75/76B | - | €32 | - | €1,376 | €5,869 | ▲ 326% |
| Recurring financial income75 | €25 | €32 | - | €1,376 | €5,869 | ▲ 326% |
| Non-recurring financial income76B | - | - | - | €1,376 | €5,869 | ▲ 326% |
| Financial charges65/66B | - | €65,999 | €119,773 | €181,875 | €16,497 | ▼ 90.9% |
| Recurring financial charges65 | €14,332 | €65,999 | €64,171 | €21,708 | €15,893 | ▼ 26.8% |
| Non-recurring financial charges66B | - | - | €55,602 | €160,167 | €604 | ▼ 99.6% |
| Profit (loss) for the period before taxes9903 | -€737,984 | -€1.6m | -€1.2m | -€902,681 | -€719,788 | ▲ 20.3% |
| Income taxes67/77 | - | €500 | €690 | €170 | €732 | ▲ 331% |
| Profit (loss) for the period9904 | -€737,984 | -€1.6m | -€1.2m | -€902,851 | -€720,521 | ▲ 20.2% |
| Profit (loss) for the period to be appropriated9905 | -€737,984 | -€1.6m | -€1.2m | -€902,851 | -€720,521 | ▲ 20.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.5m | €4.2m | €4.9m | €3.0m | €2.5m | ▼ 15.8% |
| Formation expenses20 | €6,444 | €2,617 | €1,019 | - | - | - |
| Fixed assets21/28 | €1.7m | €1.7m | €1.5m | €1.2m | €1.0m | ▼ 11.3% |
| Intangible fixed assets21 | €100,338 | €83,294 | €66,889 | €21,067 | €32,412 | ▲ 53.9% |
| Tangible fixed assets22/27 | €1.6m | €1.6m | €1.4m | €1.1m | €967,691 | ▼ 14.6% |
| Land and buildings22 | - | €647,999 | €634,816 | €621,633 | €608,449 | ▼ 2.1% |
| Plant, machinery and equipment23 | - | €485,171 | €396,513 | €302,800 | €184,073 | ▼ 39.2% |
| Furniture and vehicles24 | - | €59,676 | €50,038 | €31,839 | €19,500 | ▼ 38.8% |
| Other tangible fixed assets26 | - | €378,115 | €280,854 | €176,691 | €155,669 | ▼ 11.9% |
| Financial fixed assets28 | €21,429 | €27,267 | €27,267 | €21,429 | €42,929 | ▲ 100% |
| Current assets29/58 | €2.8m | €2.5m | €3.5m | €1.8m | €1.4m | ▼ 18.8% |
| Stocks and contracts in progress3 | €1.5m | €1.5m | €1.5m | €1.2m | €1.1m | ▼ 12.5% |
| Stocks30/36 | - | €1.5m | €1.5m | €1.2m | €1.1m | ▼ 12.5% |
| Amounts receivable within one year40/41 | €170,467 | €267,402 | €291,737 | €381,479 | €299,715 | ▼ 21.4% |
| Trade receivables40 | - | €259,125 | €289,322 | €379,903 | €299,715 | ▼ 21.1% |
| Other amounts receivable41 | - | €8,277 | €2,415 | €1,576 | - | - |
| Cash at bank and in hand54/58 | €1.2m | €657,004 | €1.6m | €147,774 | €55,925 | ▼ 62.2% |
| Deferred charges and accrued income490/1 | - | €64,609 | €60,010 | €6,860 | €427 | ▼ 93.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.5m | €4.2m | €4.9m | €3.0m | €2.5m | ▼ 15.8% |
| Equity10/15 | -€1.3m | -€2.8m | €503,892 | -€398,959 | -€1.1m | ▼ 181% |
| Contributions10/11 | €787,000 | €787,000 | €5.3m | €5.3m | €5.3m | = |
| Capital10 | - | €787,000 | €5.3m | €5.3m | €5.3m | = |
| Issued capital100 | - | €787,000 | €5.3m | €5.3m | €5.3m | = |
| Profit (loss) carried forward14 | -€2.0m | -€3.6m | -€4.8m | -€5.7m | -€6.5m | ▼ 12.6% |
| Provisions and deferred taxes16 | - | - | - | €25,000 | - | - |
| Provisions for liabilities and charges160/5 | - | - | - | €25,000 | - | - |
| Other liabilities and charges164/5 | - | - | - | €25,000 | - | - |
| Amounts payable17/49 | €5.8m | €7.0m | €4.4m | €3.3m | €3.6m | ▲ 8.3% |
| Amounts payable within one year42/48 | €5.8m | €7.0m | €4.4m | €3.3m | €3.6m | ▲ 9.0% |
| Trade debts44 | €1.0m | €618,964 | €606,915 | €569,232 | €673,793 | ▲ 18.4% |
| Suppliers440/4 | - | €618,964 | €606,915 | €569,232 | €673,793 | ▲ 18.4% |
| Taxes, remuneration and social security45 | - | €88,374 | €167,151 | €217,027 | €143,830 | ▼ 33.7% |
| Taxes450/3 | - | €19,493 | €20,825 | €69,125 | €49,604 | ▼ 28.2% |
| Remuneration and social security454/9 | - | €68,881 | €146,327 | €147,902 | €94,226 | ▼ 36.3% |
| Other amounts payable47/48 | - | €6.3m | €3.6m | €2.5m | €2.8m | ▲ 10.5% |
| Accrued charges and deferred income492/3 | - | €31,375 | €32,775 | €19,609 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€737,984 | -€1.6m | -€1.2m | -€902,851 | -€720,521 | ▲ 20.2% |
| + Depreciation and write-downs630 | €140,115 | €183,937 | €210,482 | €146,839 | €213,346 | ▲ 45.3% |
| Operating cash flow (approximation) | -€597,869 | -€1.4m | -€996,173 | -€756,012 | -€507,175 | ▲ 32.9% |
| Investment in fixed assets (approximation) | - | -€183,148 | €14,662 | €134,081 | -€80,920 | ▼ 160% |
| Change in cash | - | -€536,321 | €962,670 | -€1.5m | -€91,849 | ▲ 93.8% |
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
2025
12-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
24-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
31-03
Financial
Equity above €500,000Eq €503,892
Equity rises from -€2.8m to €503,892.
2022
04-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 4 days late
31-03
Financial
Weakest financial yearnet -€1.6m
Net result drops to -€1.6m, the lowest in the series; recovery starts the following year.
2021
15-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
15-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
08-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 8 days late
2016
06-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
10 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, Waterloo · 4 establishment units since 2019
Ground area
5,782 m²
Building footprint
3,843 m²
Volume, LiDAR
15,574 m³
4 parcels, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
4 establishment units
BV STORE
since 20192.286.578.723
BV STORE
since 20202.305.212.126
BV STORE
since 20242.362.783.012
BUREAU Vallée
since 20242.362.808.944
4 parcels
Wallonia
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52302A1114/00F000 | Wallonia | 2,261 m² | 1 · 1,680 m² | 6.7 m · 2 fl. |
| 62047C1343/00H003 | Wallonia | 1,886 m² | 1 · 931 m² | 7.6 m · 2 fl. |
| 25764O0294/00F000 | Wallonia | 1,147 m² | 1 · 1,128 m² | - |
| 53403E0450/00D000 | Wallonia | 488 m² | 1 · 105 m² | 11.1 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerChain of control
- BVD FRFR
- BV STORE BE
Highest known parent: BVD FR (France). The sources do not say who stands above it.
Owners 1
- BVD FRFRparentSourceown accounts 31-03-2025100%
Holdings 0
The accounts to 31-03-2025 list no holdings, and no other source names one.
According to the annual accounts to 31-03-2025 of BV STORE BE and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 332 companies in sector 46492 we hold annual accounts for 240. 186 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded23-05-2014
Fiscal year end31-03
Activities, NACEBEL 2025
46492Wholesale trade
47400Retail sale of information and communication equipment
18120Other printing
47621Retail sale of newspapers and periodicals
82100Office administrative and support services
Contact
Phone
071/41.76.98Mons
E-mail
compta.be@bureau-vallee.comLiège
Phone
+3271417698Liège
Phone
022165492Waterloo
E-invoicing
Reachable via Peppol
Peppol ID
0208:0552920784
Also
9925:BE0552920784
Registered
23-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.