BVV CONSULT
ActiveBVV CONSULT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €68k. Equity is shrinking by ~19.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 11% of 16989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
65
/ 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
Profitability89▲+3
Solvency30=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.82 against 0.89 in 2024; short-term debt: 58.6% and cash: 11.9% of total assets), and 95.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 62
Relative position
BE, all sectors
reference
Sector 62
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
4.8%
Return on assets
15.9%
Age of the figures
12 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 16989 sector peers (2025).
NBB · sector comparisonPosition among 16989 sector peers
Solvency
better than 11%
← weakest
strongest →
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 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
5 d early
2023
5 d early
2022
9 d early
2021
4 d early
2020
2 d early
2019
6 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
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k=
2024 · €20k
2018: €137k
2019: €137k
2020: €137k
2021: €137k
2022: €60k
2023: €20k
2024: €20k
2018 → 2025
Total assets
€430k▲ 11.9%
2024 · €385k
2018: €368k
2019: €415k
2020: €415k
2021: €403k
2022: €378k
2023: €375k
2024: €385k
2018 → 2025
Net result
€68k▲ 26.8%
2024 · €54k
2018: €7k
2019: €40k
2020: €41k
2021: €41k
2022: €45k
2023: €55k
2024: €54k
2018 → 2025
Working capital
€-45k▼ 98.6%
2024 · €-23k
2018: €131k
2019: €127k
2020: €112k
2021: €102k
2022: €9k
2023: €-22k
2024: €-23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€137k-€60k▼ 56.3%€20k▼ 65.8%€20k=€20k=
Operating result€56k-€62k▲ 11.6%€74k▲ 18.4%€73k▼ 0.6%€89k▲ 20.9%
Net result€41k-€45k▲ 10.2%€55k▲ 23.1%€54k▼ 2.3%€68k▲ 26.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €430k
Fixed assets
€224k▲ 12.2%
Current assets
€207k▲ 11.5%
Equity and liabilities €430k
Equity
€20k=
Debt
€410k▲ 12.6%
The debt ratio rises from 94.7% to 95.2%. Debt is higher.
Key figures and ratios
EBITDA
€100k▲
2024 · €85k
Cash flow
€79k▲
2024 · €66k
Solvency
4.8%▼
2024 · 5.3%
Current ratio
0.82▼
2024 · 0.89
Quick ratio
0.82▼
2024 · 0.89
Debt / equity
20.04▲
2024 · 17.80
ROE
334.3%▲
2024 · 263.7%
ROA
15.9%▲
2024 · 14.0%
Interest coverage
24.65▲
2024 · 21.34
Debt
€410k▲
2024 · €364k
Debt ≤ 1 year
€252k▲
2024 · €208k
Debt > 1 year
€158k▲
2024 · €156k
Income taxes
€17k▲
2024 · €15k
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€385k€430k▲
Fixed assets21/28€199k€224k▲
Tangible fixed assets22/27€199k€224k▲
Land and buildings22€193k€188k▼
Furniture and vehicles24€5k€35k▲
Other tangible fixed assets26€2k€913▼
Current assets29/58€185k€207k▲
Amounts receivable within one year40/41€20k€23k▲
Trade receivables40€19k€21k▲
Other amounts receivable41€598€2k▲
Current investments50/53€108k€132k▲
Cash at bank and in hand54/58€58k€51k▼
Equity and liabilities
Total equity and liabilities10/49€385k€430k▲
Equity10/15€20k€20k=
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Amounts payable17/49€364k€410k▲
Amounts payable after more than one year17€156k€158k▲
Financial debts170/4€156k€158k▲
Amounts payable within one year42/48€208k€252k▲
Current portion of amounts payable after more than one year42€11k€16k▲
Trade debts44€863€2k▲
Suppliers440/4€863€2k▲
Taxes, remuneration and social security45€13k€22k▲
Taxes450/3€13k€22k▲
Other amounts payable47/48€184k€211k▲
Income statement
Code20242025
Non-recurring operating income76A-€9k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€87k€101k▲
Operating profit (loss)9901€73k€89k▲
Financial income75/76B€123€1k▲
Recurring financial income75€123€1k▲
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€69k€86k▲
Income taxes67/77€15k€17k▲
Profit (loss) for the period9904€54k€68k▲
Profit (loss) for the period to be appropriated9905€54k€68k▲
Appropriation of the result
Profit (loss) to be appropriated9906€54k€68k▲
Profit to be distributed694/7€54k€68k▲
Return on contributions (dividend)694€54k€68k▲
The notes to these accounts (11 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €68k ▲26.8%
Operating result €89k, net result €68k, both a record.
25-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Beringen · 1 establishment unit since 2014
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.
Vlierbesstraat 33580 BeringenGround area
566 m²
Building footprint
113 m²
Volume, LiDAR
505 m³
Parcel 71004A0575/15H006, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVV CONSULT
since 20142.231.299.116
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71004A0575/15H006 | Flanders | 566 m² | 1 · 113 m² | 6.8 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
2023 · 1 entry · 628 EUR awarded · 628 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 628 EUR | 628 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,995 companies in sector 62200 we hold annual accounts for 18,391. 13,050 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-06-2014
Fiscal year end30-09
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.