BVH
ActiveBVH has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €979k and a net result of €117k. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 62% of 10310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+2
Solvency74▲+7
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity tight (current ratio 1.33 against 1.17 in 2024; short-term debt: 38.6% and cash: 27.4% of total assets), and 51.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
48.8%
Return on assets
5.8%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 9 filingsDeviation from the deadline
2025
26 d late
2024
30 d early
2023
29 d early
2022
29 d late
2021
32 d early
2020
16 d late
2019
54 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€2.56M
EBIT margin
4.7%
Net result
€117k▲ 42.2%
2024 · €82k
2018: €96k
2019: €97k
2020: €189k
2021: €55k
2022: €54k
2023: €118k
2024: €82k
2018 → 2025
Working capital
€258k▲ 64.1%
2024 · €157k
2018: €287k
2019: €383k
2020: €531k
2021: €804k
2022: €593k
2023: €454k
2024: €157k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€615k-€669k▲ 8.8%€787k▲ 17.6%€863k▲ 9.7%€979k▲ 13.5%
Operating result€87k-€79k▼ 8.5%€154k▲ 94.3%€132k▼ 14.8%€169k▲ 28.1%
Net result€55k-€54k▼ 1.2%€118k▲ 116%€82k▼ 30.2%€117k▲ 42.2%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 28% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.01M
Fixed assets
€975k=
Current assets
€1.03M▼ 5.3%
Equity and liabilities €2.01M
Equity
€979k▲ 13.5%
Debt
€1.03M▼ 14.5%
The debt ratio falls from 58.2% to 51.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€243k▲
2024 · €197k
Cash flow
€191k▲
2024 · €147k
Solvency
48.8%▲
2024 · 41.8%
Current ratio
1.33▲
2024 · 1.17
Quick ratio
0.99▲
2024 · 0.59
Debt / equity
1.05▼
2024 · 1.39
ROE
11.9%▲
2024 · 9.5%
ROA
5.8%▲
2024 · 4.0%
Interest coverage
16.96▲
2024 · 12.26
Debt
€1.03M▼
2024 · €1.20M
Debt ≤ 1 year
€775k▼
2024 · €933k
Debt > 1 year
€254k▼
2024 · €270k
Income taxes
€41k▲
2024 · €34k
Staff costs
€334k▲
2024 · €251k
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€2.07M€2.01M▼
Fixed assets21/28€975k€975k=
Tangible fixed assets22/27€975k€975k=
Land and buildings22€922k€867k▼
Plant, machinery and equipment23€18k€7k▼
Furniture and vehicles24€4k€1k▼
Other tangible fixed assets26€31k€99k▲
Financial fixed assets28€50€50=
Current assets29/58€1.09M€1.03M▼
Stocks and contracts in progress3€542k€264k▼
Stocks30/36€542k€264k▼
Amounts receivable within one year40/41€182k€134k▼
Trade receivables40€150k€101k▼
Other amounts receivable41€33k€33k=
Cash at bank and in hand54/58€366k€551k▲
Deferred charges and accrued income490/1-€84k
Equity and liabilities
Total equity and liabilities10/49€2.07M€2.01M▼
Equity10/15€863k€979k▲
Contributions10/11€19k€19k=
Reserves13€20k€20k=
Non-distributable reserves130/1€20k€20k=
Reserves not available under the articles1311€20k€20k=
Profit (loss) carried forward14€824k€941k▲
Amounts payable17/49€1.20M€1.03M▼
Amounts payable after more than one year17€270k€254k▼
Financial debts170/4€270k€254k▼
Amounts payable within one year42/48€933k€775k▼
Current portion of amounts payable after more than one year42€15k€16k▲
Financial debts43€50k-
Credit institutions430/8€50k-
Trade debts44€457k€297k▼
Suppliers440/4€457k€297k▼
Taxes, remuneration and social security45€33k€109k▲
Taxes450/3€18k€58k▲
Remuneration and social security454/9€15k€51k▲
Other amounts payable47/48€378k€352k▼
Income statement
Code20242025
Remuneration, social security and pensions62€251k€334k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€74k▲
Other operating charges640/8€80k€20k▼
Gross operating margin9900€528k€597k▲
Operating profit (loss)9901€132k€169k▲
Financial income75/76B€270€4k▲
Recurring financial income75€270€4k▲
Financial charges65/66B€16k€14k▼
Recurring financial charges65€16k€14k▼
Profit (loss) for the period before taxes9903€116k€158k▲
Income taxes67/77€34k€41k▲
Profit (loss) for the period9904€82k€117k▲
Profit (loss) for the period to be appropriated9905€82k€117k▲
Appropriation of the result
Profit (loss) to be appropriated9906€830k€941k▲
Profit (loss) brought forward from the previous period14P€748k€824k▲
Profit to be distributed694/7€6k-
Return on contributions (dividend)694€6k-
The notes to these accounts (10 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
31-12
Financial
Weakest financial yearnet €54k ▼1.2%
Net result drops to €54k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 16 days late
2020
31-12
Financial
Highest result since 2018net €189k ▲95.4%
Operating result €233k, net result €189k, both a record.
31-12
Financial
Equity above €500kEq €560k ▲37.8%
3 profitable years in a row build equity to €560k.
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 54 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Chaudfontaine · 1 establishment unit since 2009
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.
Rue du Général Jacques 1844051 ChaudfontaineGround area
1,144 m²
Building footprint
335 m²
Volume, LiDAR
842 m³
Parcel 62104C0209/00R000, Wallonia · tallest building 7.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BVH
since 20092.178.765.795
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62104C0209/00R000 | Wallonia | 1,144 m² | 1 · 335 m² | 7.0 m · 1 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
E. DE SMEDT
BE 0830.134.710
Dendermonde · Eq €978k
ELECTRIC CAR COMPANY
BE 0744.745.511
Liège · Eq €981k
Garage VAN TITTELBOOM
BE 0421.091.747
Lede · Eq €982k
VANOOST-CUVELIER
BE 0842.132.026
Poperinge · Eq €977k
MARC DHAENE
BE 0449.412.381
Deinze · Eq €976k
Of 10,674 companies in sector 47811 we hold annual accounts for 5,223. 2,982 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2009
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.