BVDH
ActiveSummary
The computed 12-month bankruptcy probability of BVDH is 3.1% (moderate). The 2025 annual accounts show equity of €108k and a net result of €8k. Equity is growing by ~16.3% per year across the filed fiscal years. Its solvency ranks better than 48% of 13417 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability66▼-8
Solvency53▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.9 against 1.03 in 2024; short-term debt: 13.9% and cash: 6.1% of total assets), and 72.1% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
27.9%
Return on assets
2.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
29 d early
2024
16 d early
2023
230 d late
2022
139 d late
2021
22 d late
2020
26 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€108k▲ 8.0%
2024 · €100k
2020: €46klowest in 6 years
2021: €59k▲ +27.8% vs 2020
2022: €69k▲ +15.8% vs 2021
2023: €81k▲ +17.6% vs 2022
2024: €100k▲ +23.1% vs 2023
2025: €108k▲ +8.0% vs 2024highest in 6 years
2020 → 2025
Total assets
€386k▼ 8.1%
2024 · €420k
2020: €434khighest in 6 years
2021: €403k▼ -7.2% vs 2020
2022: €407k▲ +1.1% vs 2021
2023: €420k▲ +3.2% vs 2022
2024: €420k▼ -0.1% vs 2023
2025: €386k▼ -8.1% vs 2024lowest in 6 years
2020 → 2025
Net result
€8k▼ 57.2%
2024 · €19k
2020: €26khighest in 6 years
2021: €13k▼ -51.2% vs 2020
2022: €9k▼ -27.2% vs 2021
2023: €12k▲ +28.9% vs 2022
2024: €19k▲ +54.4% vs 2023
2025: €8k▼ -57.2% vs 2024lowest in 6 years
2020 → 2025
Working capital
€-5k
2024 · €2k
2020: €-35k
2021: €-36k▼ -1.1% vs 2020lowest in 6 years
2022: €-34k▲ +5.7% vs 2021
2023: €-14k▲ +58.9% vs 2022
2024: €2k▲ +116% vs 2023highest in 6 years
2025: €-5k▼ -333% vs 2024
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€69k▲ 15.8%€81k▲ 17.6%€100k▲ 23.1%€108k▲ 8.0%
2021: €59klowest in 5 years
2022: €69k▲ +15.8% vs 2021
2023: €81k▲ +17.6% vs 2022
2024: €100k▲ +23.1% vs 2023
2025: €108k▲ +8.0% vs 2024highest in 5 years
Operating result€20k-€20k▲ 0.7%€23k▲ 16.5%€26k▲ 13.4%€23k▼ 10.2%
2021: €20klowest in 5 years
2022: €20k▲ +0.7% vs 2021
2023: €23k▲ +16.5% vs 2022
2024: €26k▲ +13.4% vs 2023highest in 5 years
2025: €23k▼ -10.2% vs 2024
Net result€13k-€9k▼ 27.2%€12k▲ 28.9%€19k▲ 54.4%€8k▼ 57.2%
2021: €13k
2022: €9k▼ -27.2% vs 2021
2023: €12k▲ +28.9% vs 2022
2024: €19k▲ +54.4% vs 2023highest in 5 years
2025: €8k▼ -57.2% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €386k
Fixed assets
€338k ▲ 2.6%
Current assets
€48k ▼ 46.9%
Equity and liabilities €386k
Equity
€108k ▲ 8.0%
Debt
€279k ▼ 13.1%
Debt's share of the balance-sheet total falls from 76.3% to 72.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€70k▼
2024 · €75k
Cash flow
€55k▼
2024 · €68k
Current ratio
0.90▼
2024 · 1.03
Quick ratio
0.68▼
2024 · 0.89
Debt to equity
2.59▼
2024 · 3.22
ROE
7.4%▼
2024 · 18.8%
ROA
2.1%▼
2024 · 4.4%
Interest coverage
5.33▼
2024 · 12.40
Debt ≤ 1 year
€54k▼
2024 · €89k
Debt > 1 year
€224k▼
2024 · €231k
Income taxes
€2k▲
2024 · €2k
Staff costs
€84k▲
2024 · €77k
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€420k€386k▼
Formation expenses20€0-
Fixed assets21/28€329k€338k▲
Intangible fixed assets21€0-
Tangible fixed assets22/27€329k€323k▼
Land and buildings22€293k€286k▼
Plant, machinery and equipment23€32k€22k▼
Furniture and vehicles24€4k€14k▲
Financial fixed assets28-€15k
Current assets29/58€91k€48k▼
Stocks and contracts in progress3€12k€12k▼
Stocks30/36€12k€12k▼
Amounts receivable within one year40/41€40k€8k▼
Trade receivables40€33k€220▼
Other amounts receivable41€7k€8k▲
Cash at bank and in hand54/58€37k€24k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€420k€386k▼
Equity10/15€100k€108k▲
Contributions10/11€20k€20k=
Reserves13€80k€88k▲
Distributable reserves133€80k€88k▲
Amounts payable17/49€321k€279k▼
Amounts payable after more than one year17€231k€224k▼
Financial debts170/4€231k€224k▼
Amounts payable within one year42/48€89k€54k▼
Current portion of amounts payable after more than one year42€30k€26k▼
Trade debts44€46k€11k▼
Suppliers440/4€46k€11k▼
Taxes, remuneration and social security45€11k€12k▲
Taxes450/3€2k€2k▲
Remuneration and social security454/9€9k€11k▲
Other amounts payable47/48€2k€4k▲
Accrued charges and deferred income492/3€1k€494▼
Income statement
Code20242025
Remuneration, social security and pensions62€77k€84k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€47k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€153k€156k▲
Operating profit (loss)9901€26k€23k▼
Financial income75/76B€780€121▼
Recurring financial income75€780€121▼
Financial charges65/66B€6k€13k▲
Recurring financial charges65€6k€13k▲
Profit (loss) for the period before taxes9903€21k€10k▼
Income taxes67/77€2k€2k▲
Profit (loss) for the period9904€19k€8k▼
Profit (loss) for the period to be appropriated9905€19k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€8k▼
Transfer to equity691/2€19k€8k▼
To other reserves6921€19k€8k▼
The notes to these accounts (15 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €42k | €59k | €83k | €77k | €84k | ▲ 9.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €47k | €52k | €47k | €49k | €47k | ▼ 4.3% |
| Other operating charges640/8 | €2k | €1k | €1k | €2k | €2k | ▼ 0.8% |
| Gross operating margin9900 | €111k | €132k | €154k | €153k | €156k | ▲ 1.8% |
| Operating profit (loss)9901 | €20k | €20k | €23k | €26k | €23k | ▼ 10.2% |
| Financial income75/76B | €29 | €250 | €30 | €780 | €121 | ▼ 84.5% |
| Recurring financial income75 | €29 | €250 | €30 | €780 | €121 | ▼ 84.5% |
| Financial charges65/66B | €8k | €8k | €10k | €6k | €13k | ▲ 118% |
| Recurring financial charges65 | €8k | €8k | €10k | €6k | €13k | ▲ 118% |
| Profit (loss) for the period before taxes9903 | €12k | €12k | €13k | €21k | €10k | ▼ 50.3% |
| Income taxes67/77 | €-1k | €3k | €931 | €2k | €2k | ▲ 14.2% |
| Profit (loss) for the period9904 | €13k | €9k | €12k | €19k | €8k | ▼ 57.2% |
| Profit (loss) for the period to be appropriated9905 | €13k | €9k | €12k | €19k | €8k | ▼ 57.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €403k | €407k | €420k | €420k | €386k | ▼ 8.1% |
| Formation expenses20 | €541 | €358 | €358 | €0 | - | - |
| Fixed assets21/28 | €368k | €400k | €355k | €329k | €338k | ▲ 2.6% |
| Intangible fixed assets21 | €11k | €792 | €792 | €0 | - | - |
| Tangible fixed assets22/27 | €358k | €400k | €354k | €329k | €323k | ▼ 1.9% |
| Land and buildings22 | €269k | €332k | €307k | €293k | €286k | ▼ 2.4% |
| Plant, machinery and equipment23 | €86k | €66k | €46k | €32k | €22k | ▼ 29.6% |
| Furniture and vehicles24 | €3k | €2k | €670 | €4k | €14k | ▲ 235% |
| Financial fixed assets28 | - | - | - | - | €15k | - |
| Current assets29/58 | €34k | €7k | €65k | €91k | €48k | ▼ 46.9% |
| Stocks and contracts in progress3 | - | - | - | €12k | €12k | ▼ 1.1% |
| Stocks30/36 | - | - | - | €12k | €12k | ▼ 1.1% |
| Amounts receivable within one year40/41 | €0 | - | €47k | €40k | €8k | ▼ 78.6% |
| Trade receivables40 | €0 | - | €31k | €33k | €220 | ▼ 99.3% |
| Other amounts receivable41 | €0 | - | €16k | €7k | €8k | ▲ 25.4% |
| Cash at bank and in hand54/58 | €34k | €7k | €18k | €37k | €24k | ▼ 36.0% |
| Deferred charges and accrued income490/1 | - | - | - | €3k | €4k | ▲ 64.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €403k | €407k | €420k | €420k | €386k | ▼ 8.1% |
| Equity10/15 | €59k | €69k | €81k | €100k | €108k | ▲ 8.0% |
| Contributions10/11 | €20k | €20k | €20k | €20k | €20k | = |
| Reserves13 | €39k | €49k | €61k | €80k | €88k | ▲ 10.1% |
| Distributable reserves133 | €39k | €49k | €61k | €80k | €88k | ▲ 10.1% |
| Amounts payable17/49 | €343k | €339k | €340k | €321k | €279k | ▼ 13.1% |
| Amounts payable after more than one year17 | €274k | €298k | €261k | €231k | €224k | ▼ 2.7% |
| Financial debts170/4 | €274k | €298k | €261k | €231k | €224k | ▼ 2.7% |
| Amounts payable within one year42/48 | €70k | €40k | €79k | €89k | €54k | ▼ 39.6% |
| Current portion of amounts payable after more than one year42 | €30k | €37k | €37k | €30k | €26k | ▼ 13.1% |
| Trade debts44 | €12k | €48 | €25k | €46k | €11k | ▼ 76.9% |
| Suppliers440/4 | €12k | €48 | €25k | €46k | €11k | ▼ 76.9% |
| Taxes, remuneration and social security45 | €7k | €3k | €5k | €11k | €12k | ▲ 11.8% |
| Taxes450/3 | €875 | €548 | €1k | €2k | €2k | ▲ 3.9% |
| Remuneration and social security454/9 | €6k | €3k | €4k | €9k | €11k | ▲ 13.2% |
| Other amounts payable47/48 | €20k | €437 | €11k | €2k | €4k | ▲ 176% |
| Accrued charges and deferred income492/3 | - | - | - | €1k | €494 | ▼ 56.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13k | €9k | €12k | €19k | €8k | ▼ 57.2% |
| + Depreciation and write-downs630 | €47k | €52k | €47k | €49k | €47k | ▼ 4.3% |
| Operating cash flow (approximation) | €60k | €61k | €59k | €68k | €55k | ▼ 18.9% |
| Investment in fixed assets (approximation) | - | €-84k | €-1k | €-23k | €-55k | ▼ 145% |
| Change in cash | - | €-27k | €11k | €19k | €-13k | ▼ 170% |
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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €8k ▼57.2%
Net result drops to €8k, the lowest in the series.
31-12
Financial
Equity above €100kEq €108k ▲8%
6 profitable years in a row build equity to €108k.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 230 days late
2023
17-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 139 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Kruisem · 1 establishment unit since 2020
Ground area
1.1 ha
Building footprint
347 m²
Volume, LiDAR
1,893 m³
2 parcels, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Fanniej
since 20202.297.568.130
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45031B0571/00L000 | Flanders | 8,243 m² | 1 · 186 m² | 7.5 m · 2 fl. |
| 37014B0324/00G000 | Flanders | 2,282 m² | 1 · 160 m² | 11.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteWielsbeke2.297.568.130
Similar companies · same sector, comparable size
WAPI SNACK
BE 0867.873.648
Braine-l'Alleud · Eq €107,600
WIMONI
BE 0643.916.682
Antwerpen · Eq €107,472
EL CENTRO
BE 0440.595.576
Diest · Eq €107,424
SAFAAD
BE 0682.934.636
Sint-Jans-Molenbeek · Eq €107,662
Watthana Mahasan
BE 0719.768.110
Tervuren · Eq €107,419
Of 21,853 companies in sector 56112 we hold annual accounts for 9,776. 7,718 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
Founded17-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
Scores and ratios are computed by Checked and are not a credit decision.