BVV
ActiveBVV has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €201k and a net result of €15k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 18120 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▼-7
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 85.28 against 22.06 in 2024; short-term debt: 0.9% and cash: 53.5% of total assets), and 0.9% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
99.1%
Return on assets
7.3%
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 10-07-2026, 21 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
21 d early
2024
20 d early
2023
29 d early
2022
41 d early
2021
32 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€201k▲ 7.9%
2024 · €186k
2022: €148k
2023: €167k
2024: €186k
2022 → 2025
Total assets
€203k▲ 5.2%
2024 · €193k
2022: €151k
2023: €179k
2024: €193k
2022 → 2025
Net result
€15k▼ 25.9%
2024 · €20k
2022: €22k
2023: €35k
2024: €20k
2022 → 2025
Working capital
€152k▲ 10.8%
2024 · €137k
2022: €99k
2023: €117k
2024: €137k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€148k-€167k▲ 12.2%€186k▲ 11.9%€201k▲ 7.9%
Operating result€31k-€48k▲ 56.3%€27k▼ 43.5%€21k▼ 24.2%
Net result€22k-€35k▲ 58.8%€20k▼ 43.1%€15k▼ 25.9%
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 24% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €203k
Fixed assets
€50k=
Current assets
€153k▲ 7.0%
Equity and liabilities €203k
Equity
€201k▲ 7.9%
Debt
€2k▼ 72.3%
The debt ratio falls from 3.4% to 0.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
99.1%▲
2024 · 96.6%
Current ratio
85.28▲
2024 · 22.06
Quick ratio
85.28▲
2024 · 22.06
Debt / equity
0.01▼
2024 · 0.03
ROE
7.3%▼
2024 · 10.7%
ROA
7.3%▼
2024 · 10.3%
Debt
€2k▼
2024 · €6k
Debt ≤ 1 year
€2k▼
2024 · €6k
Income taxes
€8k▼
2024 · €10k
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€193k€203k▲
Fixed assets21/28€50k€50k=
Tangible fixed assets22/27€50k€50k=
Land and buildings22€50k€50k=
Current assets29/58€143k€153k▲
Amounts receivable within one year40/41€7k€10k▲
Trade receivables40€5k€3k▼
Other amounts receivable41€2k€7k▲
Current investments50/53€86k€35k▼
Cash at bank and in hand54/58€50k€109k▲
Equity and liabilities
Total equity and liabilities10/49€193k€203k▲
Equity10/15€186k€201k▲
Contributions10/11€2k€2k=
Reserves13€166k€181k▲
Distributable reserves133€166k€181k▲
Profit (loss) carried forward14€19k€19k=
Amounts payable17/49€6k€2k▼
Amounts payable within one year42/48€6k€2k▼
Trade debts44€61€47▼
Suppliers440/4€61€47▼
Taxes, remuneration and social security45€6k€2k▼
Taxes450/3€6k€2k▼
Income statement
Code20242025
Other operating charges640/8€1k€1k▲
Gross operating margin9900€28k€22k▼
Operating profit (loss)9901€27k€21k▼
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€84€45▼
Recurring financial charges65€84€45▼
Profit (loss) for the period before taxes9903€30k€22k▼
Income taxes67/77€10k€8k▼
Profit (loss) for the period9904€20k€15k▼
Profit (loss) for the period to be appropriated9905€20k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€33k▼
Profit (loss) brought forward from the previous period14P€19k€19k=
Transfer to equity691/2€20k€15k▼
To the legal reserve6920-€0
To other reserves6921€20k€15k▼
The notes to these accounts (3 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €15k ▼25.9%
Net result drops to €15k, the lowest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 85.28
Current ratio from 22.06 to 85.28; short-term debt falls from €6k to €2k.
31-12
Financial
Equity above €200kEq €201k ▲7.9%
4 profitable years in a row build equity to €201k.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 22.06
Current ratio from 10.32 to 22.06; short-term debt falls from €13k to €6k.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €35k ▲58.8%
Operating result €48k, net result €35k, both a record.
31-12
Financial
Equity above €150kEq €167k ▲12.2%
2 profitable years in a row build equity to €167k.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Affligem · 1 establishment unit since 2020
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.
Eksterenberg 221790 AffligemGround area
5,073 m²
Building footprint
288 m²
Volume, LiDAR
1,395 m³
Parcel 23021A0406/00E000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVV
since 20202.311.756.557
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23021A0406/00E000 | Flanders | 5,073 m² | 1 · 288 m² | 8.6 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 · 1 entry · 60 EUR awarded · 60 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 60 EUR | 60 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
APOTEEK JACOBS
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APOTHEEK GOETHALS
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PHARMACIE D'AVROY
BE 0439.294.192
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CEGEPHAR
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Of 5,223 companies in sector 47730 we hold annual accounts for 3,862. 3,563 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2020
Fiscal year end31-12
Activities, NACEBEL
47730Retail sale of pharmaceutical products
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.