Summary
GROEP BDSV is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €58k and a net result of €107k. Its solvency ranks better than 9% of 1475 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 1475 sector peers (2025).
NBB · sector comparisonPosition among 1475 sector peers
Solvency
better than 9%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€58k▲ 307%
2024 · €14k
2024: €14k
2024 → 2025
Net result
€107k
2024 · €-16k
2024: €-16k
2024 → 2025
Total assets
€2.85M▲ 3.8%
2024 · €2.75M
2024: €2.75M
2024 → 2025
Solvency
2.0%▲ 1.5pp
2024 · 0.5%
2024: 0.5%
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€14k-€58k▲ 307%
Operating result€24k-€205k▲ 751%
Net result€-16k-€107k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 751% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.85M
Fixed assets
€2.50M ▲ 0.3%
Current assets
€354k ▲ 37.7%
Equity and liabilities €2.85M
Equity
€58k ▲ 307%
Debt
€2.79M ▲ 2.2%
Debt's share of the balance-sheet total falls from 99.5% to 98.0%. Equity and debt are higher.
Key figures and ratios
ROE
182.8%▲
2024 · -109.6%
ROA
3.7%▲
2024 · -0.6%
Debt ≤ 1 year
€857k▲
2024 · €845k
Debt > 1 year
€1.93M▲
2024 · €1.88M
Income taxes
€19k▲
2024 · €203
Staff costs
€256k▲
2024 · €249k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.75M€2.85M▲
Fixed assets21/28€2.49M€2.50M▲
Intangible fixed assets21€2.48M€2.47M▼
Tangible fixed assets22/27€7k€20k▲
Furniture and vehicles24€4k€18k▲
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€2k€2k=
Current assets29/58€257k€354k▲
Amounts receivable within one year40/41€105k€100k▼
Trade receivables40€105k€100k▼
Cash at bank and in hand54/58€146k€247k▲
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€2.75M€2.85M▲
Equity10/15€14k€58k▲
Contributions10/11€30k€30k=
Reserves13-€28k
Distributable reserves133-€28k
Profit (loss) carried forward14€-16k€0▲
Amounts payable17/49€2.73M€2.79M▲
Amounts payable after more than one year17€1.88M€1.93M▲
Financial debts170/4€1.88M€1.93M▲
Amounts payable within one year42/48€845k€857k▲
Current portion of amounts payable after more than one year42€190k€222k▲
Trade debts44€26k€50k▲
Suppliers440/4€26k€50k▲
Taxes, remuneration and social security45€26k€48k▲
Taxes450/3€203€19k▲
Remuneration and social security454/9€26k€30k▲
Other amounts payable47/48€602k€537k▼
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€249k€256k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€289k€295k▲
Other operating charges640/8€3k€7k▲
Gross operating margin9900€564k€763k▲
Operating profit (loss)9901€24k€205k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€40k€80k▲
Recurring financial charges65€40k€80k▲
Profit (loss) for the period before taxes9903€-15k€125k▲
Income taxes67/77€203€19k▲
Profit (loss) for the period9904€-16k€107k▲
Profit (loss) for the period to be appropriated9905€-16k€107k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€91k▲
Profit (loss) brought forward from the previous period14P-€-16k
Transfer to equity691/2-€28k
To other reserves6921-€28k
Profit to be distributed694/7-€63k
Directors or managers695-€63k
Social balance
Average headcount (FTE)90873.33.3=
The notes to these accounts (21 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €107k
Net result €107k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Wevelgem · 4 establishment units since 2023
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.
Bissegemstraat 438560 WevelgemGround area
1,035 m²
Building footprint
593 m²
Volume, LiDAR
4,386 m³
4 parcels, Flanders · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
4 establishment units
GROEP BDSV
since 20232.351.037.597
Groep BDSV
since 20242.355.418.831
Groep BDSV
since 20242.355.418.930
Groep BDSV
since 20242.364.465.565
4 parcels
Flanders
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36018B0180/00P000 | Flanders | 339 m² | 1 · 208 m² | 12.3 m · 3 fl. |
| 34016C0148/00F000 | Flanders | 283 m² | 1 · 126 m² | 11.2 m · 3 fl. |
| 34029A0283/00G000 | Flanders | 228 m² | 1 · 143 m² | 12.4 m · 3 fl. |
| 34012C0131/00M000 | Flanders | 186 m² | 1 · 116 m² | 11.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
DUMONT
BE 0473.968.526
Tienen · Eq €58,312
R&F CONSULT
BE 0638.935.832
Denderleeuw · Eq €58,255
ASSURMAT
BE 1005.732.721
Londerzeel · Eq €58,167
JANSSEN MANAGEMENT SERVICES
BE 0654.949.938
Lanaken · Eq €58,498
ASSURMOL
BE 0643.819.979
Mol · Eq €58,528
Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,395 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-08-2023
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.