Equity
€39,552 ▲ 37.7%
BVV CONSTRUCT has made a profit in every financial year since 2021.
BVV CONSTRUCT
Lifetime
5 annual accounts with figures on one time axispeak €71,648 (2025)
€71,648▲ 96.9%
peak €33,832 (2025)
€33,832▲ 386%
peak €39,552 (2025)
€39,552▲ 37.7%
€83,654▼ 58.8%
Board1 name since 2020
-
Documentsfilings and deeds
03-03-20263 days late
2025abbreviated format
Gross margin from €36,379 to €71,648Result from €6,958 to €33,832Equity from €28,720 to €39,552Debts from €202,990 to €83,654
Key points
from the 2025 annual accountsChecked score
50
Fair
Financially stronger than 57% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.6% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.8%lowest value
01-2025: 3.0%▲ +0.2 percentage points vs 12-2024
02-2025: 3.1%▲ +0.1 percentage points vs 01-2025
03-2025: 3.9%▲ +0.8 percentage points vs 02-2025
04-2025: 3.9%● unchanged vs 03-2025
05-2025: 3.9%● unchanged vs 04-2025
06-2025: 3.8%▼ -0.1 percentage points vs 05-2025
07-2025: 3.8%● unchanged vs 06-2025
08-2025: 3.7%▼ -0.1 percentage points vs 07-2025
09-2025: 3.7%● unchanged vs 08-2025
10-2025: 3.7%● unchanged vs 09-2025
11-2025: 3.6%▼ -0.1 percentage points vs 10-2025
12-2025: 3.6%● unchanged vs 11-2025
01-2026: 3.6%● unchanged vs 12-2025
02-2026: 6.1%▲ +2.5 percentage points vs 01-2026
03-2026: 6.8%▲ +0.7 percentage points vs 02-2026highest value
04-2026: 3.1%▼ -3.7 percentage points vs 03-2026
05-2026: 3.0%▼ -0.1 percentage points vs 04-2026
06-2026: 3.0%● unchanged vs 05-2026
07-2026: 3.0%● unchanged vs 06-2026
08-2026: 3.0%● unchanged vs 07-2026
09-2026: 3.0%● unchanged vs 08-2026
10-2026: 3.5%▲ +0.5 percentage points vs 09-2026
11-2026: 3.6%▲ +0.1 percentage points vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2020
Sector: Construction of residential and non-residential buildings (NACE 41)
Size: total assets €123,205
1 change of registered office in 24 months
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 39% of them on solvency, 22% on liquidity, 91% on profitability and 75% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-07-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as BVV CONSTRUCT has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BVV CONSTRUCT itself is higher: 3.6% within 12 months. It rests on far more data about BVV CONSTRUCT than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for BVV CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.63 (0.77 in 2024), below 1. Short-term debt is 67.9% and cash 10.6% of total assets. 67.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises riskneutral
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: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
3 days late
2024
10 days early
2023
56 days early
2022
34 days early
2021
3 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 20 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 31-07-2026 is due by 28-02-2027. Nothing is late today. The company usually files around 18 February (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
31-07-2026 year end10-11-2026 today28-02-2027 deadline
Recent changes
Registered office moved from Dilbeek to Affligem
New registered office: SPARRENLAAN 8, 1790 AFFLIGEM · Previous registered office: Pastoor Cooremansstraat 3, 1702 DILBEEK · Gazette deed
Registered-office move
General meeting of 11-01-2021 · Gazette deed
Incorporation
Founding capital of €1,000, 100 shares · Founder: BORTICI Vilian (comparant) · Appointment: BORTICI Vilian (director) · published on 10-09-2020 · Gazette deed
First establishment
Sparrenlaan 8, Affligem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BVV CONSTRUCT Affligem | €123,205 | €71,648 | 32.1% | - |
| ART PROJEKT Affligem | €121,746 | €86,542 | 13.6% | - |
| BenSo-TEC Bertem | €124,220 | €70,775 | 85.5% | - |
| LIGHTNING FONDATION Machelen (Brab.) | €134,089 | €67,349 | 53.7% | - |
| PARALLAXE Overijse | €129,110 | €74,385 | -8.3% | - |
| DUCAD Drogenbos | €123,870 | €78,662 | 45.9% | - |
| TM PRO Zaventem | €134,498 | €79,224 | 24.7% | - |
These companies have the same main activity as BVV CONSTRUCT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €122,000 and €134,000, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 08-09-2020Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 3 others
- Establishment unit
- 2.313.827.2111790 Affligem, since 08-09-2020
- Financial year end
- 31 July
- Peppol
- Reachable
Insights on BVV CONSTRUCT
BVV CONSTRUCT files the abbreviated format. That format states no turnover. The gross margin rose from €24,620 in 2021 to €71,648 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BVV CONSTRUCT
- What is the company number of BVV CONSTRUCT?
- The company number of BVV CONSTRUCT is 0753.821.444. The VAT number is the same number with BE in front: BE 0753.821.444.
- Where is BVV CONSTRUCT based?
- The registered office is at Sparrenlaan 8, 1790 Affligem.Company details
- What does BVV CONSTRUCT do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of BVV CONSTRUCT?
- BVV CONSTRUCT is a private limited company (BV).
- When was BVV CONSTRUCT founded?
- BVV CONSTRUCT was founded on 08-09-2020.
- Is BVV CONSTRUCT still active?
- Yes, BVV CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of BVV CONSTRUCT?
- The turnover in financial year 2025 is ≈ €290,000. This figure is estimated from the gross margin of €71,648 and 38 comparable companies (NACE 41001). It probably lies between €190,000 and €400,000. In financial year 2024 turnover was €714,869.Financials
- Is BVV CONSTRUCT profitable?
- In financial year 2025, BVV CONSTRUCT made a profit of €33,832.
- Where can I find the annual accounts of BVV CONSTRUCT?
- BVV CONSTRUCT filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BVV CONSTRUCT due?
- BVV CONSTRUCT must file the annual accounts for financial year 2026 by 28-02-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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