BVDS
ActiveBVDS has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €6k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 42% of 12632 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
91
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+69
Solvency91▼-9
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.9 against 8.16 in 2024), but 52% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
48%
Return on assets
8%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-04-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
on the day
2023
33 d early
2022
37 d early
2021
36 d early
2020
31 d early
2019
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▼ 71.4%
2024 · €117k
2018: €95k
2019: €59k
2020: €125k
2021: €129k
2022: €110k
2023: €114k
2024: €117k
2018 → 2025
Total assets
€70k▼ 47.2%
2024 · €133k
2018: €104k
2019: €66k
2020: €165k
2021: €168k
2022: €200k
2023: €139k
2024: €133k
2018 → 2025
Net result
€6k▲ 68.3%
2024 · €3k
2018: €3k
2019: €-37k
2020: €67k
2021: €4k
2022: €28k
2023: €4k
2024: €3k
2018 → 2025
Working capital
€33k▼ 69.8%
2024 · €109k
2018: €93k
2019: €57k
2020: €114k
2021: €116k
2022: €98k
2023: €104k
2024: €109k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€129k-€110k▼ 14.8%€114k▲ 3.9%€117k▲ 2.9%€34k▼ 71.4%
Operating result€6k-€39k▲ 553%€7k▼ 82.8%€5k▼ 26.1%€4k▼ 29.2%
Net result€4k-€28k▲ 631%€4k▼ 84.6%€3k▼ 21.6%€6k▲ 68.3%
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 three years in a row; 2025 is 29% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€829▼ 90.5%
Current assets
€69k▼ 44.1%
Equity and liabilities €70k
Equity
€34k▼ 71.4%
Debt
€36k▲ 140%
The debt ratio rises from 11.4% to 52.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€11k▼
2024 · €14k
Cash flow
€14k▲
2024 · €12k
Solvency
48.0%▼
2024 · 88.6%
Current ratio
1.90▼
2024 · 8.16
Quick ratio
1.90▼
2024 · 8.16
Debt / equity
1.08▲
2024 · 0.13
ROE
16.7%▲
2024 · 2.8%
ROA
8.0%▲
2024 · 2.5%
Interest coverage
84.49▼
2024 · 85.98
Debt
€36k▲
2024 · €15k
Debt ≤ 1 year
€36k▲
2024 · €15k
Income taxes
€3k▲
2024 · €1k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€133k€70k▼
Fixed assets21/28€9k€829▼
Tangible fixed assets22/27€9k€829▼
Furniture and vehicles24€9k€829▼
Current assets29/58€124k€69k▼
Amounts receivable within one year40/41€467€27k▲
Trade receivables40-€27k
Other amounts receivable41€467-
Cash at bank and in hand54/58€123k€42k▼
Equity and liabilities
Total equity and liabilities10/49€133k€70k▼
Equity10/15€117k€34k▼
Contributions10/11€19k€19k=
Reserves13€99k€15k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€97k€13k▼
Amounts payable17/49€15k€36k▲
Amounts payable within one year42/48€15k€36k▲
Current portion of amounts payable after more than one year42€6k-
Taxes, remuneration and social security45€4k€14k▲
Taxes450/3€4k€11k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€5k€22k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€675€631▼
Gross operating margin9900€15k€12k▼
Operating profit (loss)9901€5k€4k▼
Financial income75/76B-€5k
Recurring financial income75-€5k
Financial charges65/66B€162€135▼
Recurring financial charges65€162€135▼
Profit (loss) for the period before taxes9903€5k€8k▲
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€3k€6k▲
Profit (loss) for the period to be appropriated9905€3k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€6k▲
Transfer from equity791/2-€89k
Transfer to equity691/2€3k€6k▲
To other reserves6921€3k€6k▲
Profit to be distributed694/7-€89k
Return on contributions (dividend)694-€89k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity triplescurrent ratio 6.69
Current ratio from 2.28 to 6.69; short-term debt falls from €77k to €18k.
24-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €67k
Net result €67k after one loss-making year.
30-09
Financial
Equity above €100kEq €125k ▲114%
Equity rises from €59k to €125k.
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €-37k ▼1411%
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Denderleeuw · 1 establishment unit since 2002
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.
Kouterbaan 49470 DenderleeuwGround area
526 m²
Building footprint
164 m²
Volume, LiDAR
994 m³
Parcel 41402B0892/00R000, Flanders · tallest building 18.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kouterbaan 4, 9470 Denderleeuw
since 20022.095.663.620
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41402B0892/00R000 | Flanders | 526 m² | 1 · 164 m² | 18.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
FISCADMIN
BE 0461.565.788
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Bernadette Noêl Consulting & Co
BE 0438.892.831
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NOON FINANCE
BE 1004.518.439
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COMPAGNIE FIDUCIAIRE
BE 0425.243.149
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D2 MANAGEMENT
BE 1007.081.912
Quévy · Eq €34k
Of 2,258 companies in sector 69209 we hold annual accounts for 1,090. 697 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded11-12-2001
Fiscal year end30-09
Activities, NACEBEL
69201Accountants
69209Other tax advisory services
74124
69109Other legal services
Sources
Crossroads Bank for EnterprisesNational Bank · 24 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.