BVH - MANAGEMENT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €386k and a net result of €55k. Equity is growing by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 32% of 9864 sector peers (fiscal year 2024). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
27 d early
2023
18 d early
2022
28 d early
2021
31 d late
2020
23 d early
2019
15 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€386k▲ 16.5%
2023 · €332k
2018: €160k
2019: €160k
2020: €209k
2021: €213k
2022: €283k
2023: €332k
2018 → 2024
Net result
€55k▲ 13.3%
2023 · €48k
2018: €84k
2019: €66k
2020: €115k
2021: €54k
2022: €70k
2023: €48k
2018 → 2024
Total assets
€1.18M▲ 0.3%
2023 · €1.17M
2018: €826k
2019: €1.06M
2020: €848k
2021: €825k
2022: €886k
2023: €1.17M
2018 → 2024
Solvency
32.9%▲ 4.6pp
2023 · 28.3%
2018: 19.4%
2019: 15.0%
2020: 24.7%
2021: 25.9%
2022: 32.0%
2023: 28.3%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€209k-€213k▲ 2.1%€283k▲ 32.7%€332k▲ 17.0%€386k▲ 16.5%
Operating result€152k-€84k▼ 44.5%€143k▲ 70.3%€85k▼ 40.9%€95k▲ 12.5%
Net result€115k-€54k▼ 52.6%€70k▲ 28.6%€48k▼ 30.9%€55k▲ 13.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 13% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.18M
Fixed assets
€823k▼ 4.7%
Current assets
€353k▲ 14.1%
Equity and liabilities €1.18M
Equity
€386k▲ 16.5%
Debt
€789k▼ 6.1%
The debt ratio falls from 71.7% to 67.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
32.9%▲
2023 · 28.3%
ROE
14.2%▼
2023 · 14.6%
ROA
4.7%▲
2023 · 4.1%
Debt
€789k▼
2023 · €841k
Debt ≤ 1 year
€93k▼
2023 · €116k
Debt > 1 year
€697k▼
2023 · €725k
Income taxes
€23k▲
2023 · €19k
Staff costs
€25k=
2023 · €25k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.17M€1.18M▲
Fixed assets21/28€863k€823k▼
Tangible fixed assets22/27€863k€823k▼
Land and buildings22€418k€402k▼
Other tangible fixed assets26€445k€421k▼
Current assets29/58€309k€353k▲
Amounts receivable after more than one year29€306k€344k▲
Other amounts receivable291€306k€344k▲
Amounts receivable within one year40/41€3k€4k▲
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€471-
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€1.17M€1.18M▲
Equity10/15€332k€386k▲
Contributions10/11€19k€20k▲
Outside capital11€19k€20k▲
Other1109/19€19k€20k▲
Reserves13€313k€366k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Tax-exempt reserves132€7k€47k▲
Distributable reserves133€305k€319k▲
Amounts payable17/49€841k€789k▼
Amounts payable after more than one year17€725k€697k▼
Financial debts170/4€725k€697k▼
Amounts payable within one year42/48€116k€93k▼
Current portion of amounts payable after more than one year42€65k€68k▲
Financial debts43€4k€7k▲
Credit institutions430/8€4k€7k▲
Trade debts44€3k€158▼
Suppliers440/4€3k€158▼
Taxes, remuneration and social security45€43k€16k▼
Taxes450/3€40k€16k▼
Remuneration and social security454/9€3k-
Other amounts payable47/48€2k€2k▲
Income statement
Code20232024
Remuneration, social security and pensions62€25k€25k=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€46k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€158k€169k▲
Operating profit (loss)9901€85k€95k▲
Financial charges65/66B€17k€17k▲
Recurring financial charges65€17k€17k▲
Profit (loss) for the period before taxes9903€68k€78k▲
Income taxes67/77€19k€23k▲
Profit (loss) for the period9904€48k€55k▲
Transfer to tax-exempt reserves689-€40k
Profit (loss) for the period to be appropriated9905€48k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€15k▼
Transfer to equity691/2€48k€15k▼
To other reserves6921€48k€15k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €48k ▼30.9%
Net result drops to €48k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €115k ▲74.9%
Operating result €152k, net result €115k, both a record.
31-12
Financial
Equity above €200kEq €209k ▲30.7%
3 profitable years in a row build equity to €209k.
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
18-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Waasmunster · 1 establishment unit since 2003
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.
Vinkenlaan 139250 WaasmunsterGround area
2,429 m²
Building footprint
313 m²
Volume, LiDAR
1,550 m³
Parcel 42023A0942/00S000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vinkenlaan 13, 9250 Waasmunster
since 20032.133.394.541
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42023A0942/00S000 | Flanders | 2,428 m² | 1 · 313 m² | 7.6 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,776 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-06-2003
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 21 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.