BVM CONSULTING
ActiveBVM CONSULTING has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €16k. Equity is shrinking by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 29% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-15
Solvency53▼-4
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.83 against 1.11 in 2024; short-term debt: 71.8% and cash: 37.2% of total assets), and 71.8% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
28.2%
Return on assets
13.1%
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
42 d early
2023
27 d early
2022
75 d early
2021
94 d early
2020
58 d early
2019
24 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▼ 39.5%
2024 · €57k
2018: €72k
2019: €106k
2020: €145k
2021: €97k
2022: €144k
2023: €85k
2024: €57k
2018 → 2025
Total assets
€123k▼ 31.9%
2024 · €181k
2018: €84k
2019: €145k
2020: €193k
2021: €160k
2022: €178k
2023: €181k
2024: €181k
2018 → 2025
Net result
€16k▼ 79.6%
2024 · €79k
2018: €5k
2019: €28k
2020: €39k
2021: €66k
2022: €57k
2023: €76k
2024: €79k
2018 → 2025
Working capital
€-15k
2024 · €13k
2018: €66k
2019: €86k
2020: €104k
2021: €57k
2022: €100k
2023: €38k
2024: €13k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€97k-€144k▲ 48.4%€85k▼ 40.8%€57k▼ 32.5%€35k▼ 39.5%
Operating result€85k-€75k▼ 11.7%€99k▲ 31.4%€93k▼ 5.8%€30k▼ 67.4%
Net result€66k-€57k▼ 13.6%€76k▲ 33.9%€79k▲ 4.4%€16k▼ 79.6%
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 two years in a row; 2025 is 67% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €123k
Fixed assets
€50k▲ 12.1%
Current assets
€74k▼ 46.1%
Equity and liabilities €123k
Equity
€35k▼ 39.5%
Debt
€89k▼ 28.3%
The debt ratio rises from 68.3% to 71.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€37k▼
2024 · €100k
Cash flow
€23k▼
2024 · €87k
Solvency
28.2%▼
2024 · 31.7%
Current ratio
0.83▼
2024 · 1.11
Quick ratio
0.83▼
2024 · 1.11
Debt / equity
2.55▲
2024 · 2.15
ROE
46.5%▼
2024 · 138.3%
ROA
13.1%▼
2024 · 43.8%
Interest coverage
6.17▼
2024 · 64.17
Debt
€89k▼
2024 · €124k
Debt ≤ 1 year
€89k▼
2024 · €124k
Income taxes
€8k▼
2024 · €22k
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€181k€123k▼
Fixed assets21/28€44k€50k▲
Tangible fixed assets22/27€44k€50k▲
Land and buildings22€16k€14k▼
Furniture and vehicles24€12k€10k▼
Other tangible fixed assets26€15k€25k▲
Current assets29/58€137k€74k▼
Amounts receivable within one year40/41€88k€22k▼
Trade receivables40€80k€15k▼
Other amounts receivable41€9k€7k▼
Current investments50/53€19k-
Cash at bank and in hand54/58€19k€46k▲
Deferred charges and accrued income490/1€10k€6k▼
Equity and liabilities
Total equity and liabilities10/49€181k€123k▼
Equity10/15€57k€35k▼
Contributions10/11€19k€19k=
Reserves13€39k€16k▼
Distributable reserves133€39k€16k▼
Amounts payable17/49€124k€89k▼
Amounts payable within one year42/48€124k€89k▼
Trade debts44€11k€18k▲
Suppliers440/4€11k€18k▲
Taxes, remuneration and social security45€19k€2k▼
Taxes450/3€17k€2k▼
Remuneration and social security454/9€2k€76▼
Other amounts payable47/48€94k€69k▼
Income statement
Code20242025
Non-recurring operating income76A-€10k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€853€364▼
Gross operating margin9900€101k€37k▼
Operating profit (loss)9901€93k€30k▼
Financial income75/76B€10k€230▼
Recurring financial income75€10k€230▼
Financial charges65/66B€2k€6k▲
Recurring financial charges65€2k€6k▲
Profit (loss) for the period before taxes9903€101k€25k▼
Income taxes67/77€22k€8k▼
Profit (loss) for the period9904€79k€16k▼
Profit (loss) for the period to be appropriated9905€79k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€79k€16k▼
Transfer from equity791/2€28k€39k▲
Transfer to equity691/2-€16k
To other reserves6921-€16k
Profit to be distributed694/7€107k€39k▼
Return on contributions (dividend)694€107k€39k▼
The notes to these accounts (8 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €79k ▲4.4%
Net result €79k, the highest in the series.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 3.86
Current ratio from 1.90 to 3.86; short-term debt falls from €63k to €35k.
31-12
Financial
Equity above €100kEq €144k ▲48.4%
5 profitable years in a row build equity to €144k.
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €106k ▲46.6%
2 profitable years in a row build equity to €106k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Oudenaarde · 1 establishment unit since 2014
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.
Gentstraat 1269700 OudenaardeGround area
1,172 m²
Building footprint
224 m²
Volume, LiDAR
1,314 m³
Parcel 45508B0025/00B000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVM CONSULTING
since 20142.228.463.944
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45508B0025/00B000 | Flanders | 1,172 m² | 1 · 224 m² | 9.0 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,650 EUR awarded · 1,650 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,650 EUR | 1,650 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 35,557 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-03-2014
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.