BVA3
ActiveSummary
BVA3 has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €228k and a net result of €26k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 80% of 7780 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability80▲+39
Solvency100▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 23.19 against 12.58 in 2024; short-term debt: 4.3% and cash: 10.1% of total assets), and 18.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
81.3%
Return on assets
9.4%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
16 d early
2023
7 d early
2022
28 d early
2021
on the day
2020
24 d early
2019
3 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€228k▲ 12.6%
2024 · €203k
2019: €172k
2020: €148k▼ -14.1% vs 2019lowest in 7 years
2021: €199k▲ +34.5% vs 2020
2022: €188k▼ -5.7% vs 2021
2023: €196k▲ +4.1% vs 2022
2024: €203k▲ +3.6% vs 2023
2025: €228k▲ +12.6% vs 2024highest in 7 years
2019 → 2025
Total assets
€281k▲ 0.6%
2024 · €279k
2019: €448khighest in 7 years
2020: €393k▼ -12.3% vs 2019
2021: €332k▼ -15.6% vs 2020
2022: €306k▼ -7.8% vs 2021
2023: €288k▼ -5.8% vs 2022
2024: €279k▼ -3.2% vs 2023lowest in 7 years
2025: €281k▲ +0.6% vs 2024
2019 → 2025
Net result
€26k▲ 235%
2024 · €8k
2019: €2k
2020: €-24k▼ -1184% vs 2019lowest in 7 years
2021: €51k▲ +311% vs 2020highest in 7 years
2022: €-11k▼ -122% vs 2021
2023: €8k▲ +168% vs 2022
2024: €8k▲ +1.3% vs 2023
2025: €26k▲ +235% vs 2024
2019 → 2025
Working capital
€267k▲ 4.3%
2024 · €256k
2019: €76k
2020: €53k▼ -30.4% vs 2019lowest in 7 years
2021: €104k▲ +95.8% vs 2020
2022: €91k▼ -12.4% vs 2021
2023: €249k▲ +174% vs 2022
2024: €256k▲ +3.1% vs 2023
2025: €267k▲ +4.3% vs 2024highest in 7 years
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€199k-€188k▼ 5.7%€196k▲ 4.1%€203k▲ 3.6%€228k▲ 12.6%
2021: €199k
2022: €188k▼ -5.7% vs 2021lowest in 5 years
2023: €196k▲ +4.1% vs 2022
2024: €203k▲ +3.6% vs 2023
2025: €228k▲ +12.6% vs 2024highest in 5 years
Operating result€-40k-€-10k▲ 75.6%€9k€11k▲ 16.5%€31k▲ 180%
2021: €-40klowest in 5 years
2022: €-10k▲ +75.6% vs 2021
2023: €9k▲ +197% vs 2022
2024: €11k▲ +16.5% vs 2023
2025: €31k▲ +180% vs 2024highest in 5 years
Net result€51k-€-11k€8k€8k▲ 1.3%€26k▲ 235%
2021: €51khighest in 5 years
2022: €-11k▼ -122% vs 2021lowest in 5 years
2023: €8k▲ +168% vs 2022
2024: €8k▲ +1.3% vs 2023
2025: €26k▲ +235% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 180% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €281k
Fixed assets
€1k ▲ 135%
Current assets
€279k ▲ 0.3%
Equity and liabilities €281k
Equity
€228k ▲ 12.6%
Debt
€53k ▼ 31.2%
Debt's share of the balance-sheet total falls from 27.4% to 18.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▲
2024 · €11k
Cash flow
€27k▲
2024 · €8k
Current ratio
23.19▲
2024 · 12.58
Debt to equity
0.23▼
2024 · 0.38
ROE
11.5%▲
2024 · 3.9%
ROA
9.4%▲
2024 · 2.8%
Interest coverage
7.97▲
2024 · 2.30
Debt ≤ 1 year
€12k▼
2024 · €22k
Debt > 1 year
€37k▼
2024 · €50k
Income taxes
€3k▲
2024 · €935
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€279k€281k▲
Fixed assets21/28€575€1k▲
Tangible fixed assets22/27€575€1k▲
Furniture and vehicles24-€1k
Other tangible fixed assets26€575€190▼
Current assets29/58€278k€279k▲
Amounts receivable within one year40/41€272k€248k▼
Trade receivables40€26k€31k▲
Other amounts receivable41€247k€217k▼
Cash at bank and in hand54/58€4k€28k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€279k€281k▲
Equity10/15€203k€228k▲
Contributions10/11€50k€50k=
Reserves13€153k€178k▲
Tax-exempt reserves132€489€489=
Distributable reserves133€152k€178k▲
Amounts payable17/49€76k€53k▼
Amounts payable after more than one year17€50k€37k▼
Other amounts payable178/9€50k€37k▼
Amounts payable within one year42/48€22k€12k▼
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€5k€7k▲
Remuneration and social security454/9€1k€1k▼
Other amounts payable47/48€13k€833▼
Accrued charges and deferred income492/3€4k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€393€834▲
Other operating charges640/8€801€595▼
Gross operating margin9900€12k€32k▲
Operating profit (loss)9901€11k€31k▲
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€9k€29k▲
Income taxes67/77€935€3k▲
Profit (loss) for the period9904€8k€26k▲
Profit (loss) for the period to be appropriated9905€8k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€26k▲
Transfer from equity791/2€833€833=
Transfer to equity691/2€8k€26k▲
To other reserves6921€8k€26k▲
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €766 | €732 | €393 | €834 | ▲ 112% |
| Other operating charges640/8 | - | €545 | €564 | €801 | €595 | ▼ 25.7% |
| Non-recurring operating charges66A | - | €178 | - | - | - | - |
| Gross operating margin9900 | €-38k | €-8k | €11k | €12k | €32k | ▲ 164% |
| Operating profit (loss)9901 | €-40k | €-10k | €9k | €11k | €31k | ▲ 180% |
| Financial income75/76B | - | €3k | €3k | €3k | €2k | ▼ 17.8% |
| Recurring financial income75 | €102k | €3k | €3k | €3k | €2k | ▼ 17.8% |
| Financial charges65/66B | - | €5k | €4k | €5k | €4k | ▼ 19.8% |
| Recurring financial charges65 | €6k | €5k | €4k | €5k | €4k | ▼ 19.8% |
| Profit (loss) for the period before taxes9903 | €57k | €-11k | €9k | €9k | €29k | ▲ 231% |
| Income taxes67/77 | €5k | €228 | €946 | €935 | €3k | ▲ 196% |
| Profit (loss) for the period9904 | €51k | €-11k | €8k | €8k | €26k | ▲ 235% |
| Profit (loss) for the period to be appropriated9905 | €51k | €-11k | €8k | €8k | €26k | ▲ 235% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €332k | €306k | €288k | €279k | €281k | ▲ 0.6% |
| Fixed assets21/28 | €153k | €152k | €968 | €575 | €1k | ▲ 135% |
| Tangible fixed assets22/27 | €2k | €2k | €968 | €575 | €1k | ▲ 135% |
| Furniture and vehicles24 | - | €355 | €8 | - | €1k | - |
| Other tangible fixed assets26 | - | €1k | €960 | €575 | €190 | ▼ 67.0% |
| Financial fixed assets28 | €150k | €150k | - | - | - | - |
| Current assets29/58 | €179k | €154k | €287k | €278k | €279k | ▲ 0.3% |
| Amounts receivable within one year40/41 | €170k | €148k | €279k | €272k | €248k | ▼ 8.8% |
| Trade receivables40 | - | €68 | €8k | €26k | €31k | ▲ 20.2% |
| Other amounts receivable41 | - | €148k | €271k | €247k | €217k | ▼ 11.9% |
| Cash at bank and in hand54/58 | €6k | €4k | €6k | €4k | €28k | ▲ 687% |
| Deferred charges and accrued income490/1 | - | €2k | €2k | €2k | €2k | ▲ 6.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €332k | €306k | €288k | €279k | €281k | ▲ 0.6% |
| Equity10/15 | €199k | €188k | €196k | €203k | €228k | ▲ 12.6% |
| Contributions10/11 | - | €50k | €50k | €50k | €50k | = |
| Reserves13 | €149k | €138k | €146k | €153k | €178k | ▲ 16.7% |
| Non-distributable reserves130/1 | - | €5k | €5k | - | - | - |
| Reserves not available under the articles1311 | - | €5k | €5k | - | - | - |
| Tax-exempt reserves132 | - | €489 | €489 | €489 | €489 | = |
| Distributable reserves133 | - | €132k | €140k | €152k | €178k | ▲ 16.7% |
| Amounts payable17/49 | €132k | €118k | €92k | €76k | €53k | ▼ 31.2% |
| Amounts payable after more than one year17 | €51k | €50k | €50k | €50k | €37k | ▼ 26.0% |
| Financial debts170/4 | - | €50k | €50k | - | - | - |
| Other amounts payable178/9 | - | - | - | €50k | €37k | ▼ 26.0% |
| Amounts payable within one year42/48 | €75k | €63k | €38k | €22k | €12k | ▼ 45.6% |
| Trade debts44 | €5k | €3k | €3k | €3k | €3k | ▲ 2.5% |
| Suppliers440/4 | - | €3k | €3k | €3k | €3k | ▲ 2.5% |
| Taxes, remuneration and social security45 | - | €395 | €970 | €6k | €8k | ▲ 33.9% |
| Taxes450/3 | - | €395 | €970 | €5k | €7k | ▲ 44.8% |
| Remuneration and social security454/9 | - | - | - | €1k | €1k | ▼ 2.8% |
| Other amounts payable47/48 | - | €60k | €35k | €13k | €833 | ▼ 93.6% |
| Accrued charges and deferred income492/3 | - | €5k | €4k | €4k | €3k | ▼ 16.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €51k | €-11k | €8k | €8k | €26k | ▲ 235% |
| + Depreciation and write-downs630 | €2k | €766 | €732 | €393 | €834 | ▲ 112% |
| Operating cash flow (approximation) | €53k | €-11k | €8k | €8k | €27k | ▲ 229% |
| Investment in fixed assets (approximation) | - | €311 | €150k | €0 | €-2k | - |
| Change in cash | - | €-2k | €2k | €-3k | €25k | ▲ 1,075% |
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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €200kEq €203k ▲3.6%
2 profitable years in a row build equity to €203k.
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
30-06
Financial
Liquidity triplescurrent ratio 7.46
Current ratio from 2.43 to 7.46; short-term debt falls from €63k to €38k.
03-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Back to profitnet €51k
Net result €51k after one loss-making year.
30-06
Financial
Equity above €150kEq €199k ▲34.5%
Equity rises from €148k to €199k.
07-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
Show earlier events
03-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 3 days late
2019
03-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
12-01
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.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Deinze · 1 establishment unit since 2010
Ground area
1,447 m²
Building footprint
182 m²
Volume, LiDAR
1,083 m³
Parcel 44054A0515/00X000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
BVA3
since 20102.189.156.475
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44054A0515/00X000 | Flanders | 1,447 m² | 1 · 182 m² | 10.1 m · 2 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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BE 0437.807.619
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Of 24,497 companies in sector 82990 we hold annual accounts for 9,406. 6,803 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
Founded23-06-2010
Fiscal year end30-06
Activities, NACEBEL 2025
82990Other business support services
62200Computer consultancy and computer facilities management
64210Activities of holding companies
70200Business and other management consultancy
Contact
E-mail
jan@bva3.com
Scores and ratios are computed by Checked and are not a credit decision.