BVM TRANSPORT
ActiveThe computed 12-month bankruptcy probability of BVM TRANSPORT is 2.5% (moderate). The 2025 annual accounts show equity of €183k and a net result of €21k. Equity is growing by ~23% per year across the filed fiscal years. Its solvency ranks better than 33% of 4488 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-6
Solvency48▼-12
Growth52=
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.45 against 1.08 in 2024; short-term debt: 27.4% and cash: 10.9% of total assets), and 77.5% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
22.5%
Return on assets
2.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
14 d early
2023
29 d late
2022
45 d late
2021
26 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€183k▲ 12.4%
2024 · €163k
2021: €79k
2022: €103k
2023: €114k
2024: €163k
2021 → 2025
Total assets
€812k▲ 75.3%
2024 · €463k
2021: €330k
2022: €792k
2023: €878k
2024: €463k
2021 → 2025
Net result
€21k▼ 57.5%
2024 · €50k
2021: €69k
2022: €25k
2023: €11k
2024: €50k
2021 → 2025
Working capital
€100k▲ 762%
2024 · €12k
2021: €55k
2022: €-86k
2023: €99k
2024: €12k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€79k-€103k▲ 30.0%€114k▲ 10.0%€163k▲ 43.1%€183k▲ 12.4%
Operating result€88k-€43k▼ 51.7%€36k▼ 15.9%€103k▲ 189%€47k▼ 54.7%
Net result€69k-€25k▼ 64.5%€11k▼ 54.9%€50k▲ 352%€21k▼ 57.5%
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 55% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €812k
Fixed assets
€489k▲ 57.1%
Current assets
€323k▲ 113%
Equity and liabilities €812k
Equity
€183k▲ 12.4%
Debt
€629k▲ 109%
The debt ratio rises from 64.9% to 77.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€148k▼
2024 · €198k
Cash flow
€123k▼
2024 · €145k
Solvency
22.5%▼
2024 · 35.1%
Current ratio
1.45▲
2024 · 1.08
Quick ratio
1.45▲
2024 · 1.08
Debt / equity
3.44▲
2024 · 1.85
ROE
11.7%▼
2024 · 30.8%
ROA
2.6%▼
2024 · 10.8%
Interest coverage
6.69▲
2024 · 5.47
Debt
€629k▲
2024 · €301k
Debt ≤ 1 year
€222k▲
2024 · €140k
Debt > 1 year
€406k▲
2024 · €160k
Income taxes
€3k▼
2024 · €17k
Staff costs
€-842▼
2024 · €59k
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€463k€812k▲
Fixed assets21/28€311k€489k▲
Tangible fixed assets22/27€309k€486k▲
Plant, machinery and equipment23€45k€37k▼
Furniture and vehicles24€95k€378k▲
Leasing and similar rights25€155k€60k▼
Other tangible fixed assets26€14k€12k▼
Financial fixed assets28€3k€3k▲
Current assets29/58€152k€323k▲
Amounts receivable within one year40/41€50k€193k▲
Trade receivables40€38k€189k▲
Other amounts receivable41€12k€5k▼
Cash at bank and in hand54/58€87k€88k▲
Deferred charges and accrued income490/1€14k€41k▲
Equity and liabilities
Total equity and liabilities10/49€463k€812k▲
Equity10/15€163k€183k▲
Contributions10/11€10k€10k=
Reserves13€152k€173k▲
Non-distributable reserves130/1€83k€103k▲
Reserves not available under the articles1311€83k€103k▲
Distributable reserves133€69k€69k=
Profit (loss) carried forward14€121€122▲
Amounts payable17/49€301k€629k▲
Amounts payable after more than one year17€160k€406k▲
Financial debts170/4€160k€406k▲
Amounts payable within one year42/48€140k€222k▲
Current portion of amounts payable after more than one year42€54k€156k▲
Trade debts44€31k€35k▲
Suppliers440/4€31k€35k▲
Advances received on contracts in progress46-€2k
Taxes, remuneration and social security45€55k€29k▼
Taxes450/3€54k€26k▼
Remuneration and social security454/9€1k€3k▲
Other amounts payable47/48€786€786=
Income statement
Code20242025
Remuneration, social security and pensions62€59k€-842▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€95k€102k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€248k€228k▼
Gross operating margin9900€508k€377k▼
Operating profit (loss)9901€103k€47k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€36k€22k▼
Recurring financial charges65€36k€22k▼
Profit (loss) for the period before taxes9903€67k€25k▼
Income taxes67/77€17k€3k▼
Profit (loss) for the period9904€50k€21k▼
Profit (loss) for the period to be appropriated9905€50k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€21k▼
Profit (loss) brought forward from the previous period14P€116€121▲
Transfer to equity691/2€49k€20k▼
To the legal reserve6920€49k€20k▼
Profit to be distributed694/7€1k€1k=
Return on contributions (dividend)694€1k€1k=
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €163k ▲43.1%
4 profitable years in a row build equity to €163k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €11k ▼54.9%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 1.55
Current ratio from 0.71 to 1.55; short-term debt falls from €294k to €181k.
14-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 45 days late
2022
31-12
Financial
Equity above €100kEq €103k ▲30%
2 profitable years in a row build equity to €103k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
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, Lochristi · 1 establishment unit since 2021
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.
Walderdonk 369185 LochristiGround area
2,076 m²
Building footprint
218 m²
Volume, LiDAR
1,340 m³
Parcel 44073D0961/00F000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVM TRANSPORT
since 20212.313.127.524
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44073D0961/00F000 | Flanders | 2,076 m² | 1 · 217 m² | 10.1 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
2022 to 2024 · 4 entries · 6,296 EUR awarded · 6,296 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 144 EUR | 144 EUR |
| 2023 | 1 | 53 EUR | 53 EUR |
| 2022 | 2 | 6,099 EUR | 6,099 EUR |
Schemes
Subsidies ecologisch en veilig transport (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteLochristi2.313.127.524
Similar companies · same sector, comparable size
TRANSPORTS JULLIEN
BE 0698.976.060
Waimes · Eq €183k
GUNST KRIS
BE 0474.057.410
Oostkamp · Eq €183k
NET FACTORY
BE 0469.379.436
Oudergem · Eq €183k
LOY TRANS
BE 0787.998.997
Schaarbeek · Eq €183k
TRANSPORTS MATTPLUS
BE 0872.105.719
Liedekerke · Eq €183k
Of 12,606 companies in sector 49410 we hold annual accounts for 8,195. 6,264 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-01-2021
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
46711Wholesale of cars and light vans (up to 3.5 tonnes)
45112
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)
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.