BVO Immo
ActiveBVO Immo has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100k and a net result of €21k. Equity is growing by ~33.5% per year across the filed fiscal years. Its solvency ranks better than 47% of 13936 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+1
Solvency51▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.36 against 0.14 in 2024; short-term debt: 9.3% and cash: 2.4% of total assets), and 74.3% 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
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 →
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
25.7%
Return on assets
5.4%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
4 d late
2023
30 d late
2022
4 d late
2021
23 d late
2020
10 d late
2019
18 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
€100k▲ 26.3%
2024 · €79k
2018: €20k
2019: €10k
2020: €24k
2021: €33k
2022: €46k
2023: €62k
2024: €79k
2018 → 2025
Total assets
€389k▼ 3.9%
2024 · €405k
2018: €576k
2019: €537k
2020: €503k
2021: €474k
2022: €450k
2023: €430k
2024: €405k
2018 → 2025
Net result
€21k▲ 21.2%
2024 · €17k
2018: €-5k
2019: €-10k
2020: €14k
2021: €9k
2022: €13k
2023: €16k
2024: €17k
2018 → 2025
Working capital
€-23k▲ 28.3%
2024 · €-32k
2018: €-65k
2019: €-68k
2020: €-52k
2021: €-47k
2022: €-44k
2023: €-38k
2024: €-32k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€46k▲ 41.1%€62k▲ 34.0%€79k▲ 27.7%€100k▲ 26.3%
Operating result€20k-€26k▲ 32.9%€28k▲ 8.7%€32k▲ 12.8%€37k▲ 15.0%
Net result€9k-€13k▲ 55.4%€16k▲ 16.7%€17k▲ 9.2%€21k▲ 21.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €389k
Fixed assets
€376k▼ 6.0%
Current assets
€13k▲ 155%
Equity and liabilities €389k
Equity
€100k▲ 26.3%
Debt
€289k▼ 11.3%
The debt ratio falls from 80.4% to 74.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€61k▲
2024 · €56k
Cash flow
€45k▲
2024 · €41k
Solvency
25.7%▲
2024 · 19.6%
Current ratio
0.36▲
2024 · 0.14
Quick ratio
0.36▲
2024 · 0.14
Debt / equity
2.88▼
2024 · 4.11
ROE
20.8%▼
2024 · 21.7%
ROA
5.4%▲
2024 · 4.3%
Interest coverage
10.11▲
2024 · 8.51
Debt
€289k▼
2024 · €325k
Debt ≤ 1 year
€36k▼
2024 · €37k
Debt > 1 year
€252k▼
2024 · €288k
Income taxes
€10k▲
2024 · €8k
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€405k€389k▼
Fixed assets21/28€400k€376k▼
Tangible fixed assets22/27€400k€376k▼
Land and buildings22€400k€376k▼
Current assets29/58€5k€13k▲
Amounts receivable within one year40/41€5k€4k▼
Trade receivables40€0-
Other amounts receivable41€5k€4k▼
Cash at bank and in hand54/58€73€9k▲
Deferred charges and accrued income490/1€459€470▲
Equity and liabilities
Total equity and liabilities10/49€405k€389k▼
Equity10/15€79k€100k▲
Contributions10/11€7k€7k=
Reserves13€35k€56k▲
Distributable reserves133€35k€56k▲
Profit (loss) carried forward14€37k€37k=
Amounts payable17/49€325k€289k▼
Amounts payable after more than one year17€288k€252k▼
Financial debts170/4€288k€252k▼
Amounts payable within one year42/48€37k€36k▼
Current portion of amounts payable after more than one year42€35k€36k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€334€341▲
Suppliers440/4€334€341▲
Other amounts payable47/48€2k€181▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€24k=
Other operating charges640/8€829€856▲
Gross operating margin9900€57k€61k▲
Operating profit (loss)9901€32k€37k▲
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€25k€31k▲
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€17k€21k▲
Profit (loss) for the period to be appropriated9905€17k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€54k€58k▲
Profit (loss) brought forward from the previous period14P€37k€37k=
Transfer from equity791/2€0-
Transfer to equity691/2€17k€21k▲
To contributions691€0-
To other reserves6921€17k€21k▲
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €21k ▲21.2%
Operating result €37k, net result €21k, both a record.
31-12
Financial
Equity above €100kEq €100k ▲26.3%
6 profitable years in a row build equity to €100k.
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
31-12
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · full 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, Rixensart · 1 establishment unit since 2016
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.
Avenue des Combattants 1371332 RixensartGround area
1,666 m²
Building footprint
211 m²
Volume, LiDAR
625 m³
2 parcels, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Scripta
since 20162.251.259.736
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076A0463/00X002 | Wallonia | 1,187 m² | 1 · 145 m² | - |
| 25033B1037/00A000 | Wallonia | 479 m² | 1 · 66 m² | 11.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,014 companies in sector 68203 we hold annual accounts for 5,981. 3,781 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-02-2016
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.