BVN Consulting
ActiveBVN Consulting has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-38k) and a net result of €-27k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
27
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0▼-3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.41 against 0.69 in 2024; short-term debt: 207.9% and cash: 8.4% of total assets), and equity is negative.
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 · 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
-107.9%
Return on assets
-75.8%
Age of the figures
12 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-38k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-03-2026, 35 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
35 d early
2024
51 d early
2023
43 d early
2022
1 d early
2021
40 d late
2020
46 d late
2019
48 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-38k▼ 377%
2024 · €-8k
2018: €574
2019: €32k
2020: €49k
2021: €86k
2022: €61k
2023: €29k
2024: €-8k
2018 → 2025
Total assets
€36k▼ 2.8%
2024 · €37k
2018: €21k
2019: €72k
2020: €94k
2021: €152k
2022: €108k
2023: €74k
2024: €37k
2018 → 2025
Net result
€-27k▲ 24.7%
2024 · €-36k
2018: €-6k
2019: €32k
2020: €16k
2021: €39k
2022: €-26k
2023: €-32k
2024: €-36k
2018 → 2025
Working capital
€-44k▼ 245%
2024 · €-13k
2018: €-3k
2019: €29k
2020: €39k
2021: €82k
2022: €54k
2023: €23k
2024: €-13k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€86k-€61k▼ 30.0%€29k▼ 52.9%€-8k€-38k▼ 377%
Operating result€-41k-€-26k▲ 36.5%€-30k▼ 14.8%€-34k▼ 14.8%€-28k▲ 19.1%
Net result€39k-€-26k€-32k▼ 23.3%€-36k▼ 12.2%€-27k▲ 24.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €28k in 2025 against €34k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€5k▼ 34.8%
Current assets
€30k▲ 6.2%
Key figures and ratios
EBITDA
€-25k▲
2024 · €-31k
Cash flow
€-24k▲
2024 · €-33k
Solvency
-107.9%▼
2024 · -22.0%
Current ratio
0.41▼
2024 · 0.69
Quick ratio
0.41▼
2024 · 0.69
Debt / equity
-1.93▲
2024 · -5.54
ROA
-75.8%▲
2024 · -97.9%
Interest coverage
-54.62▼
2024 · -14.81
Debt
€74k▲
2024 · €45k
Debt ≤ 1 year
€74k▲
2024 · €41k
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€37k€36k▼
Fixed assets21/28€8k€5k▼
Tangible fixed assets22/27€5k€2k▼
Plant, machinery and equipment23€335€182▼
Furniture and vehicles24€5k€2k▼
Financial fixed assets28€3k€3k=
Current assets29/58€29k€30k▲
Amounts receivable within one year40/41€20k€27k▲
Trade receivables40-€4k
Other amounts receivable41€20k€24k▲
Cash at bank and in hand54/58€8k€3k▼
Equity and liabilities
Total equity and liabilities10/49€37k€36k▼
Equity10/15€-8k€-38k▼
Contributions10/11€6k€6k=
Reserves13€56k€56k=
Distributable reserves133€56k€56k=
Profit (loss) carried forward14€-71k€-101k▼
Amounts payable17/49€45k€74k▲
Amounts payable within one year42/48€41k€74k▲
Trade debts44€844€430▼
Suppliers440/4€844€430▼
Taxes, remuneration and social security45€853€2k▲
Taxes450/3€853€2k▲
Other amounts payable47/48€40k€72k▲
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€913€585▼
Gross operating margin9900€-31k€-24k▲
Operating profit (loss)9901€-34k€-28k▲
Financial income75/76B€300€990▲
Recurring financial income75€300€990▲
Financial charges65/66B€2k€454▼
Recurring financial charges65€2k€454▼
Profit (loss) for the period before taxes9903€-36k€-27k▲
Profit (loss) for the period9904€-36k€-27k▲
Profit (loss) for the period to be appropriated9905€-36k€-27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-70k€-98k▼
Profit (loss) brought forward from the previous period14P€-34k€-71k▼
Profit to be distributed694/7€719€3k▲
Return on contributions (dividend)694€719€3k▲
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
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 40 days late
2021
30-09
Financial
Highest result since 2018net €39k ▲136%
Net result €39k, the highest in the series.
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 46 days late
2020
13-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
05-03
NBB filing
Annual accounts filed
fiscal year 2018 · 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, Antwerpen · 1 establishment unit since 2017
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.
Vrijheidstraat 292000 AntwerpenGround area
149 m²
Building footprint
149 m²
Volume, LiDAR
1,718 m³
Parcel 11811L3521/00A002, Flanders · tallest building 18.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
BVN Consulting
since 20172.264.550.221
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3521/00A002 | Flanders | 149 m² | 1 · 149 m² | 18.8 m · 5 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 · 1 entry · 120 EUR awarded · 120 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 120 EUR | 120 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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PROVERES
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Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 4,460 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-2017
Fiscal year end30-09
Activities, NACEBEL
68121Development of residential building projects
68122Development of non-residential building projects
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.