Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of BVDL is 2.7% (moderate). The 2024 annual accounts show equity of €677k and a net result of €155k. Equity is growing by ~35.4% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Signals
2 signals · with evidenceSignals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wide| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 29-08-2025 | 29 d late | 2025-00434441 |
| 31-12-2023 | 31-07-2024 | 30-08-2024 | 30 d late | 2024-00408348 |
| 31-12-2022 | 31-07-2023 | 31-08-2023 | 31 d late | 2023-00389419 |
| 31-12-2021 | 31-07-2022 | 17-10-2022 | 78 d late | 2022-20466965 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsAdministrative Flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Annual accounts & ratios
Source: NBB · 2024How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €274k |
| Net profit | €155k |
| Cash flow | €181k |
| Staff costs | - |
| Income taxes | €75k |
| Dividends | - |
| Total assets | €1.19M |
| Equity | €677k |
| Debt | €513k |
| of which ≤ 1y | €33k |
| of which > 1y | €478k |
| Working capital | €559k |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | 17.94 |
| Quick ratio | 17.94 |
| Working capital ratio | 47.0% |
| Solvency | 56.9% |
| Debt / equity | 0.76 |
| Long-term debt ratio | 0.71 |
| Interest coverage | 14.54 |
| Gross margin | - |
| Net margin | - |
| ROA | 13.0% |
| ROE | 22.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.19M |
| Fixed assets | 21/28 | €598k |
| Tangible fixed assets | 22/27 | €598k |
| Current assets | 29/58 | €592k |
| Amounts receivable within one year | 40/41 | €83k |
| Cash & bank | 54/58 | €509k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.19M |
| Equity | 10/15 | €677k |
| Contributions / capital | 10/11 | €3k |
| Reserves | 13 | €668k |
| Accumulated profits (losses) | 14 | €7k |
| Amounts payable | 17/49 | €513k |
| Amounts payable after one year | 17 | €478k |
| Amounts payable within one year | 42/48 | €33k |
| Trade debts payable within one year | 44 | €3k |
| Income statement | ||
| Gross operating margin | 9900 | €276k |
| Operating result | 9901 | €248k |
| Financial income | 75 | €814 |
| Financial charges | 65 | €19k |
| Result before taxes | 9903 | €230k |
| Income taxes | 67/77 | €75k |
| Net result for the period | 9904 | €155k |
| Result to be appropriated | 9905 | €155k |
Health barometer
FY 2024 · computedUnlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Structure & network
Connections & network
1 connected companyOwnership & control
1 partyEach band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationReal-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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25012C0358/00C000 | Wallonia | 2,663 m² | 1 · 185 m² | 8.1 m · 2 fl. |
Publications
Lifecycle & Insolvency Signals
Belgisch Staatsblad · acts
4 acts02-05-2024 General meeting · Board meeting · Accounting effect · Officer resignation
- Publication: 2024-04-28 · CLINIQUES DE L'EUROPE - EUROPA ZIEKENHUIZEN
- General meeting: 2023-12-18 · CLINIQUES DE L'EUROPE - EUROPA ZIEKENHUIZEN
- Board meeting: 2023-12-18 · CLINIQUES DE L'EUROPE - EUROPA ZIEKENHUIZEN
- Accounting effect: 2024-01-01 · CLINIQUES DE L'EUROPE - EUROPA ZIEKENHUIZEN
- Officer resignation: role: Administrateur-Délégué et Directeur Médical, end_date: 2024-01-01 · SRL BVDL
- Permanent representative · Vandeleene Bernard
- Officer reappointment: role: Administrateur, end_date: 2024-12-14 · Verlinde Caroline
- Officer reappointment: role: Administrateur, end_date: 2024-12-15 · Godin Jean-Noël
- Officer reappointment: role: Administrateur, end_date: 2027-12-31 · SPRL Dr. Jan BENIJTS
- Permanent representative · Dr BENIJTS Jan
- Officer appointment: role: Administrateur - Directeur Médical et Administrateur Délégué, start_date: 2024-01-01 · SRL SEBASTIAN SPENCER EMERGENCY CARE SYSTEMS
- Permanent representative · Sebastian Spencer
02-05-2024 Act object · General meeting · Officer resignation · Officer reappointment
- Act object: Ontsalg en Benoemingen van Medisch Directeur - Verlenging van mandaten als Bestuurder · EUROPA ZIEKENHUIZEN - CLINIQUES DE L'EUROPE
- Publication: 2024-04-23 · EUROPA ZIEKENHUIZEN - CLINIQUES DE L'EUROPE
- General meeting: 2023-12-18 · EUROPA ZIEKENHUIZEN - CLINIQUES DE L'EUROPE
- Officer resignation: role: Afgevaardigd Bestuurder en Medisch Directeur, end_date: 2023-12-18 · BV BVDL
- Officer reappointment: role: Bestuurder, end_date: 2024-12-14 · Verlinde Caroline
- Officer reappointment: role: Bestuurder, end_date: 2024-12-15 · Godin Jean-Noël
- Officer reappointment: role: Bestuurder, end_date: 2027-12-31 · BV Dr. Jan BENIJTS
- Permanent representative · Vandeleene Bernard
- Permanent representative · Dr BENIJTS Jan
- General meeting: 2023-12-18 · EUROPA ZIEKENHUIZEN - CLINIQUES DE L'EUROPE
- Officer appointment: role: Medisch Directeur en Afgevaardigd Bestuurder & Bestuurder, start_date: 2024-01-01 · BV SEBASTIAN SPENCER EMERGENCY CARE SYSTEMS
- Permanent representative · Sebastian Spencer
- Filing representative · P. Fontaine
03-03-2022 General meeting · Board meeting · Officer resignation · Officer appointment
- Publication: 2022-03-03 · CLINIQUES DE L'EUROPE - EUROPA ZIEKENHUIZEN
- Filing: 2022-02-24 · CLINIQUES DE L'EUROPE - EUROPA ZIEKENHUIZEN
- General meeting: 2021-06-28 · CLINIQUES DE L'EUROPE - EUROPA ZIEKENHUIZEN
- Board meeting: 2021-06-28 · CLINIQUES DE L'EUROPE - EUROPA ZIEKENHUIZEN
- Officer resignation: role: Directeur Médical et Administrateur Délégué, end_date: 2021-06-29 · Vandeleene Bernard
- Officer appointment: role: Directeur Médical et Administrateur Délégué, start_date: 2021-06-29 · SRL BVDL
- Permanent representative · Vandeleene Bernard
03-03-2022 General meeting · Board meeting · Officer resignation · Officer appointment
- Publication: 2022-03-03 · EUROPA ZIEKENHUIZEN - CLINIQUES DE L'EUROPE
- Filing: 2022-02-24 · EUROPA ZIEKENHUIZEN - CLINIQUES DE L'EUROPE
- General meeting: 2021-06-28 · EUROPA ZIEKENHUIZEN - CLINIQUES DE L'EUROPE
- Board meeting: 2021-06-28 · EUROPA ZIEKENHUIZEN - CLINIQUES DE L'EUROPE
- Officer resignation: role: Medisch Directeur en Afgevaardigd Bestuurder, end_date: 2021-06-29 · Vandeleene Bernard
- Officer appointment: role: Medisch Directeur en Afgevaardigd Bestuurder, start_date: 2021-06-29 · BV BVDL
- Permanent representative · Vandeleene Bernard
- Filing representative · bv HSMC
Analysis
Snowflake analysis
financial profile on 5 axesExceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
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AI due-diligence brief
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Credit advice
verdict per customer and amountCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameFR | BVDL |