BVFid
ActiveSummary
BVFid has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44k and a net result of €132k. Equity is shrinking by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 22% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency47▲+3
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.19 in 2024; short-term debt: 77.7% and cash: 47.7% of total assets), and 77.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
22.3%
Return on assets
66.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 12738 sector peers (2025).
NBB · sector comparisonPosition among 12738 sector peers
Solvency
better than 22%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €44k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-02-2026, 180 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
180 d early
2024
176 d early
2023
177 d early
2022
146 d early
2021
166 d early
2020
155 d early
2019
178 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€44k▲ 26.4%
2024 · €35k
Total assets
€198k▲ 7.4%
2024 · €184k
Net result
€132k▲ 1.5%
2024 · €130k
Working capital
€40k▲ 43.0%
2024 · €28k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€110k▲ 4.3%€139k▲ 25.9%€168k▲ 21.2%€170k▲ 1.4%€172k▲ 1.1%
Net result€86k▲ 3.4%€107k▲ 25.0%€128k▲ 19.4%€130k▲ 1.7%€132k▲ 1.5%
Equity€95k▼ 20.3%€20k▼ 79.4%€27k▲ 35.6%€35k▲ 30.8%€44k▲ 26.4%
Total assets€168k▼ 9.6%€175k▲ 3.6%€179k▲ 2.8%€184k▲ 2.8%€198k▲ 7.4%
Debt€73k▲ 9.5%€155k▲ 112%€153k▼ 1.4%€149k▼ 2.1%€154k▲ 2.9%
Working capital€82k▼ 22.1%€15k▼ 81.9%€24k▲ 63.4%€28k▲ 14.4%€40k▲ 43.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 1% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €198k
Fixed assets
€4k ▼ 37.7%
Current assets
€194k ▲ 9.2%
Equity and liabilities €198k
Equity
€44k ▲ 26.4%
Debt
€154k ▲ 2.9%
Debt's share of the balance-sheet total falls from 81.1% to 77.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€175k▲
2024 · €172k
Cash flow
€135k▲
2024 · €132k
Current ratio
1.26▲
2024 · 1.19
Debt to equity
3.49▼
2024 · 4.28
ROE
299.6%▼
2024 · 373.0%
ROA
66.8%▼
2024 · 70.6%
Interest coverage
300.49▲
2024 · 229.87
Debt ≤ 1 year
€154k▲
2024 · €149k
Income taxes
€42k▲
2024 · €42k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9k | €9k | €4k | €2k | €3k | ▲ 38.1% |
| Other operating charges640/8 | - | €721 | €766 | €811 | €841 | ▲ 3.7% |
| Gross operating margin9900 | €120k | €148k | €173k | €173k | €176k | ▲ 1.5% |
| Operating profit (loss)9901 | €110k | €139k | €168k | €170k | €172k | ▲ 1.1% |
| Financial income75/76B | - | €3k | €3k | €2k | €3k | ▲ 14.4% |
| Recurring financial income75 | €3k | €3k | €3k | €2k | €3k | ▲ 14.4% |
| Financial charges65/66B | - | €845 | €868 | €750 | €583 | ▼ 22.3% |
| Recurring financial charges65 | €863 | €845 | €868 | €750 | €583 | ▼ 22.3% |
| Profit (loss) for the period before taxes9903 | €112k | €141k | €170k | €172k | €174k | ▲ 1.4% |
| Income taxes67/77 | €26k | €34k | €42k | €42k | €42k | ▲ 0.9% |
| Profit (loss) for the period9904 | €86k | €107k | €128k | €130k | €132k | ▲ 1.5% |
| Profit (loss) for the period to be appropriated9905 | €86k | €107k | €128k | €130k | €132k | ▲ 1.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €168k | €175k | €179k | €184k | €198k | ▲ 7.4% |
| Formation expenses20 | €482 | €282 | €83 | - | - | - |
| Fixed assets21/28 | €13k | €5k | €2k | €7k | €4k | ▼ 37.7% |
| Tangible fixed assets22/27 | €13k | €5k | €2k | €7k | €4k | ▼ 37.7% |
| Plant, machinery and equipment23 | - | €335 | €231 | €127 | €23 | ▼ 81.9% |
| Furniture and vehicles24 | - | €4k | €2k | €7k | €4k | ▼ 36.9% |
| Current assets29/58 | €155k | €170k | €177k | €177k | €194k | ▲ 9.2% |
| Amounts receivable within one year40/41 | €65k | €82k | €83k | €97k | €90k | ▼ 6.9% |
| Trade receivables40 | - | €3k | €5k | €18k | €3k | ▼ 83.5% |
| Other amounts receivable41 | - | €79k | €78k | €78k | €87k | ▲ 11.1% |
| Current investments50/53 | - | €3k | €3k | €6k | €9k | ▲ 49.5% |
| Cash at bank and in hand54/58 | €89k | €74k | €84k | €71k | €94k | ▲ 32.2% |
| Deferred charges and accrued income490/1 | - | €11k | €7k | €3k | €373 | ▼ 88.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €168k | €175k | €179k | €184k | €198k | ▲ 7.4% |
| Equity10/15 | €95k | €20k | €27k | €35k | €44k | ▲ 26.4% |
| Contributions10/11 | - | €1k | €1k | €1k | €1k | = |
| Reserves13 | €94k | €19k | €26k | €34k | €43k | ▲ 27.2% |
| Distributable reserves133 | - | €19k | €26k | €34k | €43k | ▲ 27.2% |
| Amounts payable17/49 | €73k | €155k | €153k | €149k | €154k | ▲ 2.9% |
| Amounts payable within one year42/48 | €73k | €155k | €153k | €149k | €154k | ▲ 2.9% |
| Trade debts44 | €627 | €642 | €1,000 | €287 | €276 | ▼ 3.9% |
| Suppliers440/4 | - | €642 | €1,000 | €287 | €276 | ▼ 3.9% |
| Taxes, remuneration and social security45 | - | €53k | €31k | €27k | €31k | ▲ 12.5% |
| Taxes450/3 | - | €53k | €31k | €27k | €31k | ▲ 12.5% |
| Other amounts payable47/48 | - | €101k | €121k | €122k | €123k | ▲ 0.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €86k | €107k | €128k | €130k | €132k | ▲ 1.5% |
| + Depreciation and write-downs630 | €9k | €9k | €4k | €2k | €3k | ▲ 38.1% |
| Operating cash flow (approximation) | €94k | €116k | €132k | €132k | €135k | ▲ 2.1% |
| Investment in fixed assets (approximation) | - | €-368 | €-2k | €-7k | €0 | ▲ 100% |
| Change in cash | - | €-15k | €10k | €-13k | €23k | ▲ 277% |
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
2026
01-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €132k ▲1.5%
Operating result €172k, net result €132k, both a record.
05-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €120k ▲225%
2 profitable years in a row build equity to €120k.
04-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Holsbeek · 1 establishment unit since 2019
Ground area
1,151 m²
Building footprint
151 m²
Volume, LiDAR
680 m³
Parcel 24056B0570/00K002, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVFid
since 20192.289.679.456
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24056B0570/00K002 | Flanders | 1,151 m² | 1 · 150 m² | 7.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,759 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Scores and ratios are computed by Checked and are not a credit decision.