BVL
ActiveBVL has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €191. Its solvency ranks better than 77% of 13755 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
78
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability20▼-80
Solvency100▲+51
Growth52
Stability94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 3.03 against 5.49 in 2024), and 33% 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+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
67%
Return on assets
2.7%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 07-01-2026, 24 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
24 d early
2024
35 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close09-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▲ 4.2%
2024 · €4k
2024: €4k
2024 → 2025
Total assets
€7k▼ 67.6%
2024 · €22k
2024: €22k
2024 → 2025
Net result
€191▼ 87.2%
2024 · €1k
2024: €1k
2024 → 2025
Working capital
€5k▼ 73.4%
2024 · €18k
2024: €18k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€4k-€5k▲ 4.2%
Operating result€4k-€649▼ 82.2%
Net result€1k-€191▼ 87.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 82% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €7k
Equity
€5k▲ 4.2%
Debt
€2k▼ 86.5%
The debt ratio falls from 79.1% to 33.0%: equity grows while debt is paid down.
Key figures and ratios
Solvency
67.0%▲
2024 · 20.9%
Current ratio
3.03▼
2024 · 5.49
Quick ratio
2.60▼
2024 · 5.49
Debt / equity
0.49▼
2024 · 3.79
ROE
4.1%▼
2024 · 33.2%
ROA
2.7%▼
2024 · 6.9%
Debt
€2k▼
2024 · €17k
Debt ≤ 1 year
€2k▼
2024 · €4k
Income taxes
€419▼
2024 · €2k
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€22k€7k▼
Current assets29/58€22k€7k▼
Stocks and contracts in progress3-€1k
Contracts in progress37-€1k
Amounts receivable within one year40/41€22k€123▼
Trade receivables40€21k€88▼
Other amounts receivable41€330€35▼
Cash at bank and in hand54/58€2€6k▲
Equity and liabilities
Total equity and liabilities10/49€22k€7k▼
Equity10/15€4k€5k▲
Contributions10/11€3k€3k=
Reserves13€1k€2k▲
Distributable reserves133€1k€2k▲
Amounts payable17/49€17k€2k▼
Amounts payable within one year42/48€4k€2k▼
Trade debts44€900-
Suppliers440/4€900-
Taxes, remuneration and social security45€2k€559▼
Taxes450/3€2k€559▼
Other amounts payable47/48€935€2k▲
Accrued charges and deferred income492/3€13k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k-
Other operating charges640/8€617€665▲
Gross operating margin9900€5k€1k▼
Operating profit (loss)9901€4k€649▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€65€39▼
Recurring financial charges65€65€39▼
Profit (loss) for the period before taxes9903€4k€610▼
Income taxes67/77€2k€419▼
Profit (loss) for the period9904€1k€191▼
Profit (loss) for the period to be appropriated9905€1k€191▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€191▼
Transfer to equity691/2€1k€191▼
To the legal reserve6920€1k-
To other reserves6921-€191
The notes to these accounts (5 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
07-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
27-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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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, Brugge · 1 establishment unit since 2023
Ground area
399 m²
Building footprint
135 m²
Volume, LiDAR
980 m³
Parcel 31027D0452/00S002, Flanders · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVL
since 20232.340.177.656
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31027D0452/00S002 | Flanders | 399 m² | 1 · 135 m² | 11.6 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 11,700 companies in sector 68310 we hold annual accounts for 6,876. 1,931 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2023
Fiscal year end30-06
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68322Real estate appraisal on a fee or contract basis
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.