BVMH
ActiveBVMH has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €5k. Equity is growing by ~99.6% per year across the filed fiscal years. Its solvency ranks better than 47% of 13933 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
78
/ 100
Excellent▲ +2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency42▲+15
Growth78=
Stability94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.1 against 1.21 in 2024), and 73.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 4 filingsDeviation from the deadline
2025
17 d late
2024
29 d late
2023
26 d late
2022
24 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▲ 70.2%
2024 · €7k
2022: €-3k
2023: €-247
2024: €7k
2022 → 2025
Total assets
€47k▲ 8.5%
2024 · €44k
2022: €20k
2023: €35k
2024: €44k
2022 → 2025
Net result
€5k▼ 32.1%
2024 · €8k
2022: €-6k
2023: €3k
2024: €8k
2022 → 2025
Working capital
€3k▼ 38.2%
2024 · €6k
2022: €-1k
2023: €8k
2024: €6k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-3k-€-247▲ 92.3%€7k€12k▲ 70.2%
Operating result€-6k-€3k€10k▲ 220%€8k▼ 20.4%
Net result€-6k-€3k€8k▲ 158%€5k▼ 32.1%
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 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47k
Fixed assets
€9k▼ 18.3%
Current assets
€38k▲ 17.5%
Equity and liabilities €47k
Equity
€12k▲ 70.2%
Debt
€35k▼ 3.9%
The debt ratio falls from 83.3% to 73.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€10k▼
2024 · €12k
Cash flow
€7k▼
2024 · €10k
Solvency
26.3%▲
2024 · 16.7%
Current ratio
1.10▼
2024 · 1.21
Quick ratio
1.10▼
2024 · 1.21
Debt / equity
2.81▼
2024 · 4.98
ROE
41.2%▼
2024 · 103.4%
ROA
10.8%▼
2024 · 17.3%
Interest coverage
179.98▲
2024 · 77.11
Debt
€35k▼
2024 · €36k
Debt ≤ 1 year
€35k▲
2024 · €27k
Income taxes
€3k▲
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€44k€47k▲
Fixed assets21/28€11k€9k▼
Tangible fixed assets22/27€11k€9k▼
Furniture and vehicles24€11k€9k▼
Current assets29/58€33k€38k▲
Amounts receivable within one year40/41€5k€20k▲
Trade receivables40€1k€10k▲
Other amounts receivable41€4k€11k▲
Cash at bank and in hand54/58€28k€11k▼
Deferred charges and accrued income490/1€128€7k▲
Equity and liabilities
Total equity and liabilities10/49€44k€47k▲
Equity10/15€7k€12k▲
Contributions10/11€3k€3k=
Reserves13€4k€9k▲
Distributable reserves133€4k€9k▲
Amounts payable17/49€36k€35k▼
Amounts payable after more than one year17€9k-
Financial debts170/4€9k-
Amounts payable within one year42/48€27k€35k▲
Current portion of amounts payable after more than one year42€1k€9k▲
Trade debts44€23k€26k▲
Suppliers440/4€23k€26k▲
Advances received on contracts in progress46€568-
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Other amounts payable47/48€14€95▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€8k€14k▲
Gross operating margin9900€20k€24k▲
Operating profit (loss)9901€10k€8k▼
Financial income75/76B€0€224▲
Recurring financial income75€0€224▲
Financial charges65/66B€156€55▼
Recurring financial charges65€156€55▼
Profit (loss) for the period before taxes9903€10k€8k▼
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€8k€5k▼
Profit (loss) for the period to be appropriated9905€8k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€5k▲
Profit (loss) brought forward from the previous period14P€-3k-
Transfer to equity691/2€4k€5k▲
To other reserves6921€4k€5k▲
The notes to these accounts (4 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2022net €8k ▲158%
Operating result €10k, net result €8k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 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, Schilde · 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.
Hofdreef 12970 SchildeGround area
419 m²
Building footprint
400 m²
Volume, LiDAR
3,012 m³
Parcel 11041C0241/00E002, Flanders · tallest building 22.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVMH
since 20212.326.253.802
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041C0241/00E002 | Flanders | 419 m² | 1 · 400 m² | 22.9 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 9,095 companies in sector 68201 we hold annual accounts for 6,729. 1,730 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2021
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
64200Holdings
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.