BVV CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of BVV CONSTRUCT is 1.9% (moderate). The 2025 annual accounts show equity of €39,552 and a net result of €33,832. Equity is growing by ~34.8% per year across the filed fiscal years. Its solvency ranks better than 44% of 2202 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+39
Solvency57▲+20
Growth85▲+17
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity short (current ratio 0.63 against 0.77 in 2024; short-term debt: 67.9% and cash: 10.6% of total assets), and 67.9% of the assets are financed with debt.
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Signals
Four 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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
32.1%
Return on assets
27.5%
Age of the figures
14 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 03-03-2026, 3 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
3 d late
2024
10 d early
2023
56 d early
2022
34 d early
2021
3 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 20 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-07-2026 and is due by 28-02-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-07-2026 close26-09-2026 today28-02-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
€714,869▲ 23.8%
2023 · €577,211
EBIT margin
2.0%▲ 0.1pp
2023 · 1.9%
Net result
€33,832▲ 386%
2024 · €6,958
Working capital
-€31,257▲ 28.9%
2024 · -€43,944
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€393,734-€458,648▲ 16.5%€577,211▲ 25.9%€714,869▲ 23.8%
Operating result€21,834-€10,882▼ 50.2%€11,250▲ 3.4%€14,507▲ 28.9%€45,454▲ 213%
Net result€19,163-€7,862▼ 59.0%€6,736▼ 14.3%€6,958▲ 3.3%€33,832▲ 386%
EBIT margin5.5%-2.4%▼ 3.2pp1.9%▼ 0.4pp2.0%▲ 0.1pp
Equity€7,163-€15,025▲ 110%€21,761▲ 44.8%€28,720▲ 32.0%€39,552▲ 37.7%
Total assets€120,701-€52,114▼ 56.8%€113,972▲ 119%€231,709▲ 103%€123,205▼ 46.8%
Debt€113,538-€37,090▼ 67.3%€92,211▲ 149%€202,990▲ 120%€83,654▼ 58.8%
Working capital€4,791-€13,487▲ 182%-€17,371-€43,944▼ 153%-€31,257▲ 28.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 213% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €123,205
Fixed assets
€70,809 ▼ 18.5%
Current assets
€52,396 ▼ 63.8%
Equity and liabilities €123,205
Equity
€39,552 ▲ 37.7%
Debt
€83,654 ▼ 58.8%
Debt's share of the balance-sheet total falls from 87.6% to 67.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€65,514▲
2024 · €33,668
Cash flow
€53,893▲
2024 · €26,119
Current ratio
0.63▼
2024 · 0.77
Debt to equity
2.12▼
2024 · 7.07
ROE
85.5%▲
2024 · 24.2%
ROA
27.5%▲
2024 · 3.0%
Interest coverage
19.78▲
2024 · 5.95
Debt ≤ 1 year
€83,654▼
2024 · €188,811
Income taxes
€8,309▲
2024 · €2,985
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €393,734 | €458,648 | €577,211 | €714,869 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €444,458 | €551,855 | €678,490 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,402 | €1,847 | €12,278 | €19,161 | €20,061 | ▲ 4.7% |
| Other operating charges640/8 | - | €1,461 | €1,828 | €2,711 | €6,134 | ▲ 126% |
| Gross operating margin9900 | €24,620 | €14,190 | €25,356 | €36,379 | €71,648 | ▲ 96.9% |
| Operating profit (loss)9901 | €21,834 | €10,882 | €11,250 | €14,507 | €45,454 | ▲ 213% |
| Financial income75/76B | - | - | €971 | €1,095 | - | - |
| Recurring financial income75 | - | - | €971 | €1,095 | - | - |
| Financial charges65/66B | - | €126 | €3,088 | €5,659 | €3,313 | ▼ 41.5% |
| Recurring financial charges65 | €525 | €126 | €3,088 | €5,659 | €3,313 | ▼ 41.5% |
| Profit (loss) for the period before taxes9903 | €21,308 | €10,756 | €9,133 | €9,943 | €42,141 | ▲ 324% |
| Transfer from deferred taxes780 | - | €42 | - | - | - | - |
| Income taxes67/77 | €2,146 | €2,936 | €2,397 | €2,985 | €8,309 | ▲ 178% |
| Profit (loss) for the period9904 | €19,163 | €7,862 | €6,736 | €6,958 | €33,832 | ▲ 386% |
| Profit (loss) for the period to be appropriated9905 | €19,163 | €7,862 | €6,736 | €6,958 | €33,832 | ▲ 386% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €120,701 | €52,114 | €113,972 | €231,709 | €123,205 | ▼ 46.8% |
| Fixed assets21/28 | €2,372 | €1,538 | €55,267 | €86,843 | €70,809 | ▼ 18.5% |
| Tangible fixed assets22/27 | €2,372 | €1,538 | €55,267 | €86,843 | €70,809 | ▼ 18.5% |
| Plant, machinery and equipment23 | - | €1,538 | €3,165 | €2,210 | €3,696 | ▲ 67.3% |
| Furniture and vehicles24 | - | - | €52,102 | €84,633 | €67,113 | ▼ 20.7% |
| Current assets29/58 | €118,329 | €50,577 | €58,705 | €144,866 | €52,396 | ▼ 63.8% |
| Amounts receivable within one year40/41 | €110,540 | €33,145 | €32,963 | €133,253 | €39,364 | ▼ 70.5% |
| Trade receivables40 | - | €30,350 | - | €114,077 | €34,445 | ▼ 69.8% |
| Other amounts receivable41 | - | €2,795 | €32,963 | €19,176 | €4,919 | ▼ 74.3% |
| Cash at bank and in hand54/58 | €7,789 | €17,432 | €25,743 | €11,614 | €13,032 | ▲ 12.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €120,701 | €52,114 | €113,972 | €231,709 | €123,205 | ▼ 46.8% |
| Equity10/15 | €7,163 | €15,025 | €21,761 | €28,720 | €39,552 | ▲ 37.7% |
| Contributions10/11 | - | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Profit (loss) carried forward14 | €6,163 | €14,025 | €20,761 | €27,720 | €38,552 | ▲ 39.1% |
| Amounts payable17/49 | €113,538 | €37,090 | €92,211 | €202,990 | €83,654 | ▼ 58.8% |
| Amounts payable after more than one year17 | - | - | €16,135 | €14,179 | - | - |
| Financial debts170/4 | - | - | €16,135 | €14,179 | - | - |
| Amounts payable within one year42/48 | €113,538 | €37,090 | €76,076 | €188,811 | €83,654 | ▼ 55.7% |
| Current portion of amounts payable after more than one year42 | - | - | €11,368 | €32,087 | €14,179 | ▼ 55.8% |
| Trade debts44 | €88,242 | €28,453 | €59,775 | €144,644 | €25,211 | ▼ 82.6% |
| Suppliers440/4 | - | €28,453 | €59,775 | €25,992 | €25,211 | ▼ 3.0% |
| Bills of exchange payable441 | - | - | - | €118,653 | - | - |
| Taxes, remuneration and social security45 | - | €7,336 | €4,933 | €12,080 | €21,101 | ▲ 74.7% |
| Taxes450/3 | - | €2,736 | €4,933 | €2,950 | €4,701 | ▲ 59.4% |
| Remuneration and social security454/9 | - | €4,600 | - | €9,130 | €16,400 | ▲ 79.6% |
| Other amounts payable47/48 | - | €1,300 | - | - | €23,164 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19,163 | €7,862 | €6,736 | €6,958 | €33,832 | ▲ 386% |
| + Depreciation and write-downs630 | €2,402 | €1,847 | €12,278 | €19,161 | €20,061 | ▲ 4.7% |
| Operating cash flow (approximation) | €21,565 | €9,709 | €19,014 | €26,119 | €53,893 | ▲ 106% |
| Investment in fixed assets (approximation) | - | -€1,013 | -€66,007 | -€50,737 | -€4,027 | ▲ 92.1% |
| Change in cash | - | €9,643 | €8,311 | -€14,129 | €1,419 | ▲ 110% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 3 days late
2025
31-07
Financial
Highest result since 2021net €33,832 ▲386%
Operating result €45,454, net result €33,832, both a record.
18-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
04-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-07
Financial
Weakest financial yearnet €6,736 ▼14.3%
Net result drops to €6,736, the lowest in the series; recovery starts the following year.
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-02
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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
Ground area
767 m²
Building footprint
205 m²
Volume, LiDAR
903 m³
Parcel 23085A0817/00D000, Flanders · tallest building 7.5 m, ±1 floor. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
BVV CONSTRUCT
since 20202.313.827.211
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23085A0817/00D000 | Flanders | 767 m² | 1 · 205 m² | 7.5 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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 29,787 companies in sector 41001 we hold annual accounts for 16,039. 12,845 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-09-2020
Fiscal year end31-07
Activities, NACEBEL 2025
41001General construction of residential buildings
33120Repair and maintenance of machinery
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
Scores and ratios are computed by Checked and are not a credit decision.