BV FINANCIAL @VICES 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 €904k and a net result of €186k. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 72% of 2429 sector peers (fiscal year 2025). The company has been active since 2006 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
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 10 filingsDeviation from the deadline
2025
21 d late
2024
41 d early
2023
26 d early
2022
on the day
2021
12 d late
2020
30 d late
2019
28 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€904k▲ 12.2%
2024 · €806k
2018: €388k
2019: €471k
2020: €586k
2021: €624k
2022: €722k
2023: €827k
2024: €806k
2018 → 2025
Net result
€186k▲ 32.3%
2024 · €141k
2018: €160k
2019: €86k
2020: €116k
2021: €123k
2022: €135k
2023: €138k
2024: €141k
2018 → 2025
Total assets
€1.24M▲ 5.2%
2024 · €1.18M
2018: €921k
2019: €922k
2020: €1.04M
2021: €1.04M
2022: €1.12M
2023: €1.17M
2024: €1.18M
2018 → 2025
Solvency
73.1%▲ 4.6pp
2024 · 68.5%
2018: 42.1%
2019: 51.2%
2020: 56.5%
2021: 60.0%
2022: 64.2%
2023: 70.7%
2024: 68.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€624k-€722k▲ 15.6%€827k▲ 14.6%€806k▼ 2.6%€904k▲ 12.2%
Operating result€190k-€195k▲ 2.3%€213k▲ 9.2%€185k▼ 12.8%€263k▲ 42.0%
Net result€123k-€135k▲ 9.9%€138k▲ 2.1%€141k▲ 1.9%€186k▲ 32.3%
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 42% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.24M
Fixed assets
€298k▼ 2.1%
Current assets
€938k▲ 7.7%
Equity and liabilities €1.24M
Equity
€904k▲ 12.2%
Debt
€333k▼ 10.0%
The debt ratio falls from 31.5% to 26.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
73.1%▲
2024 · 68.5%
ROE
20.6%▲
2024 · 17.4%
ROA
15.0%▲
2024 · 12.0%
Debt
€333k▼
2024 · €370k
Debt ≤ 1 year
€155k▲
2024 · €127k
Debt > 1 year
€177k▼
2024 · €243k
Income taxes
€86k▲
2024 · €61k
Staff costs
€73k▲
2024 · €56k
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€1.18M€1.24M▲
Fixed assets21/28€304k€298k▼
Tangible fixed assets22/27€304k€298k▼
Land and buildings22€217k€169k▼
Furniture and vehicles24€87k€95k▲
Other tangible fixed assets26-€34k
Current assets29/58€871k€938k▲
Amounts receivable within one year40/41€294k€273k▼
Trade receivables40€5k€0▼
Other amounts receivable41€289k€273k▼
Current investments50/53€440k€56k▼
Cash at bank and in hand54/58€137k€609k▲
Deferred charges and accrued income490/1€475€0▼
Equity and liabilities
Total equity and liabilities10/49€1.18M€1.24M▲
Equity10/15€806k€904k▲
Contributions10/11€26k€26k=
Reserves13€779k€877k▲
Distributable reserves133€779k€877k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€370k€333k▼
Amounts payable after more than one year17€243k€177k▼
Financial debts170/4€243k€177k▼
Amounts payable within one year42/48€127k€155k▲
Current portion of amounts payable after more than one year42€72k€94k▲
Trade debts44€607€3k▲
Suppliers440/4€607€3k▲
Taxes, remuneration and social security45€53k€57k▲
Taxes450/3€48k€50k▲
Remuneration and social security454/9€5k€7k▲
Other amounts payable47/48€2k€2k▼
Accrued charges and deferred income492/3€0€300▲
Income statement
Code20242025
Remuneration, social security and pensions62€56k€73k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78k€75k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€323k€414k▲
Operating profit (loss)9901€185k€263k▲
Financial income75/76B€24k€15k▼
Recurring financial income75€24k€15k▼
Financial charges65/66B€7k€7k▼
Recurring financial charges65€7k€7k▼
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€202k€272k▲
Income taxes67/77€61k€86k▲
Profit (loss) for the period9904€141k€186k▲
Profit (loss) for the period to be appropriated9905€141k€186k▲
Appropriation of the result
Profit (loss) to be appropriated9906€141k€186k▲
Transfer from equity791/2€162k€88k▼
Transfer to equity691/2€141k€186k▲
To other reserves6921€141k€186k▲
Profit to be distributed694/7€162k€88k▼
Return on contributions (dividend)694€162k€88k▼
The notes to these accounts (18 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
31-12
Financial
Highest result since 2018net €186k ▲32.3%
Operating result €263k, net result €186k, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Equity above €500kEq €586k ▲24.3%
3 profitable years in a row build equity to €586k.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €86k ▼46%
Net result drops to €86k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Wuustwezel · 1 establishment unit since 2006
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.
Bredabaan (Centrum) 3882990 WuustwezelGround area
467 m²
Building footprint
82 m²
Volume, LiDAR
572 m³
Parcel 11053D0925/00C002, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Centea
since 20062.154.877.467
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11053D0925/00C002 | Flanders | 467 m² | 1 · 82 m² | 10.6 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
2024 to 2025 · 2 entries · 300 EUR awarded · 300 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 300 EUR |
| 2024 | 1 | 300 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,680 companies in sector 66191 we hold annual accounts for 1,229. 896 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-05-2006
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.