Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of BVDL is 2.7% (moderate). The 2024 annual accounts show equity of €677k and a net result of €155k. Equity is growing by ~35.4% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Signals
2 signals · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.7%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+No NACE activity registered
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€155k+0.9%
Working capital€559k+37.8%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~35.4%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
€274k
+13.3%
21-24
€155k
+0.9%
21-24
€181k
+9.0%
21-24
€1.19M
+6.8%
21-24
€677k
+29.7%
21-24
€559k
+37.8%
21-24
€75k
+10.6%
21-24
€513k
-13.4%
21-24
€33k
-64.6%
21-24
€478k
-4.2%
21-24
17.94
+235.4%
21-24
17.94
+235.4%
21-24
56.9%
+21.5%
21-24
0.76
-33.2%
21-24
22.9%
-22.2%
21-24
13.0%
-5.5%
21-24
14.54
-25.7%
21-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | €274k |
| Net profit | €155k |
| Cash flow | €181k |
| Staff costs | - |
| Income taxes | €75k |
| Dividends | - |
| Total assets | €1.19M |
| Equity | €677k |
| Debt | €513k |
| of which ≤ 1y | €33k |
| of which > 1y | €478k |
| Working capital | €559k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 17.94 |
| Quick ratio | 17.94 |
| Working capital ratio | 47.0% |
| Solvency | 56.9% |
| Debt / equity | 0.76 |
| Long-term debt ratio | 0.71 |
| Interest coverage | 14.54 |
| Gross margin | - |
| Net margin | - |
| ROA | 13.0% |
| ROE | 22.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.19M |
| Fixed assets | 21/28 | €598k |
| Tangible fixed assets | 22/27 | €598k |
| Current assets | 29/58 | €592k |
| Amounts receivable within one year | 40/41 | €83k |
| Cash & bank | 54/58 | €509k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.19M |
| Equity | 10/15 | €677k |
| Contributions / capital | 10/11 | €3k |
| Reserves | 13 | €668k |
| Accumulated profits (losses) | 14 | €7k |
| Amounts payable | 17/49 | €513k |
| Amounts payable after one year | 17 | €478k |
| Amounts payable within one year | 42/48 | €33k |
| Trade debts payable within one year | 44 | €3k |
| Income statement | ||
| Gross operating margin | 9900 | €276k |
| Operating result | 9901 | €248k |
| Financial income | 75 | €814 |
| Financial charges | 65 | €19k |
| Result before taxes | 9903 | €230k |
| Income taxes | 67/77 | €75k |
| Net result for the period | 9904 | €155k |
| Result to be appropriated | 9905 | €155k |
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed100
/ 100
Excellent
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Structure & network
Connections & network
1 connected companyGroup structure
Subsidiary · 4 locations
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Establishment units
1 locationBVDL
since 20212.320.263.853
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area2,663 m²
Buildings1
Building footprint185 m²
Volume (LiDAR)1,204 m³
Tallest building8.1 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25012C0358/00C000 | Wallonia | 2,663 m² | 1 · 185 m² | 8.1 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
4 acts All acts · 4
updated 2 years ago
2024
02-05-2024 General meeting · Board meeting · Accounting effect · Officer resignation
- Publication: 2024-04-28 · CLINIQUES DE L'EUROPE - EUROPA ZIEKENHUIZEN
- General meeting: 2023-12-18 · CLINIQUES DE L'EUROPE - EUROPA ZIEKENHUIZEN
- Board meeting: 2023-12-18 · CLINIQUES DE L'EUROPE - EUROPA ZIEKENHUIZEN
- Accounting effect: 2024-01-01 · CLINIQUES DE L'EUROPE - EUROPA ZIEKENHUIZEN
- Officer resignation: role: Administrateur-Délégué et Directeur Médical, end_date: 2024-01-01 · SRL BVDL
- Permanent representative · Vandeleene Bernard
- Officer reappointment: role: Administrateur, end_date: 2024-12-14 · Verlinde Caroline
- Officer reappointment: role: Administrateur, end_date: 2024-12-15 · Godin Jean-Noël
- Officer reappointment: role: Administrateur, end_date: 2027-12-31 · SPRL Dr. Jan BENIJTS
- Permanent representative · Dr BENIJTS Jan
- Officer appointment: role: Administrateur - Directeur Médical et Administrateur Délégué, start_date: 2024-01-01 · SRL SEBASTIAN SPENCER EMERGENCY CARE SYSTEMS
- Permanent representative · Sebastian Spencer
Summary:
General meeting · Board meeting · Accounting effect · Officer resignation
02-05-2024 Act object · General meeting · Officer resignation · Officer reappointment
- Act object: Ontsalg en Benoemingen van Medisch Directeur - Verlenging van mandaten als Bestuurder · EUROPA ZIEKENHUIZEN - CLINIQUES DE L'EUROPE
- Publication: 2024-04-23 · EUROPA ZIEKENHUIZEN - CLINIQUES DE L'EUROPE
- General meeting: 2023-12-18 · EUROPA ZIEKENHUIZEN - CLINIQUES DE L'EUROPE
- Officer resignation: role: Afgevaardigd Bestuurder en Medisch Directeur, end_date: 2023-12-18 · BV BVDL
- Officer reappointment: role: Bestuurder, end_date: 2024-12-14 · Verlinde Caroline
- Officer reappointment: role: Bestuurder, end_date: 2024-12-15 · Godin Jean-Noël
- Officer reappointment: role: Bestuurder, end_date: 2027-12-31 · BV Dr. Jan BENIJTS
- Permanent representative · Vandeleene Bernard
- Permanent representative · Dr BENIJTS Jan
- General meeting: 2023-12-18 · EUROPA ZIEKENHUIZEN - CLINIQUES DE L'EUROPE
- Officer appointment: role: Medisch Directeur en Afgevaardigd Bestuurder & Bestuurder, start_date: 2024-01-01 · BV SEBASTIAN SPENCER EMERGENCY CARE SYSTEMS
- Permanent representative · Sebastian Spencer
- Filing representative · P. Fontaine
Summary:
Act object · General meeting · Officer resignation · Officer reappointment
2022
03-03-2022 General meeting · Board meeting · Officer resignation · Officer appointment
- Publication: 2022-03-03 · CLINIQUES DE L'EUROPE - EUROPA ZIEKENHUIZEN
- Filing: 2022-02-24 · CLINIQUES DE L'EUROPE - EUROPA ZIEKENHUIZEN
- General meeting: 2021-06-28 · CLINIQUES DE L'EUROPE - EUROPA ZIEKENHUIZEN
- Board meeting: 2021-06-28 · CLINIQUES DE L'EUROPE - EUROPA ZIEKENHUIZEN
- Officer resignation: role: Directeur Médical et Administrateur Délégué, end_date: 2021-06-29 · Vandeleene Bernard
- Officer appointment: role: Directeur Médical et Administrateur Délégué, start_date: 2021-06-29 · SRL BVDL
- Permanent representative · Vandeleene Bernard
Summary:
General meeting · Board meeting · Officer resignation · Officer appointment
03-03-2022 General meeting · Board meeting · Officer resignation · Officer appointment
- Publication: 2022-03-03 · EUROPA ZIEKENHUIZEN - CLINIQUES DE L'EUROPE
- Filing: 2022-02-24 · EUROPA ZIEKENHUIZEN - CLINIQUES DE L'EUROPE
- General meeting: 2021-06-28 · EUROPA ZIEKENHUIZEN - CLINIQUES DE L'EUROPE
- Board meeting: 2021-06-28 · EUROPA ZIEKENHUIZEN - CLINIQUES DE L'EUROPE
- Officer resignation: role: Medisch Directeur en Afgevaardigd Bestuurder, end_date: 2021-06-29 · Vandeleene Bernard
- Officer appointment: role: Medisch Directeur en Afgevaardigd Bestuurder, start_date: 2021-06-29 · BV BVDL
- Permanent representative · Vandeleene Bernard
- Filing representative · bv HSMC
Summary:
General meeting · Board meeting · Officer resignation · Officer appointment
Analysis
Snowflake analysis
financial profile on 5 axes89
/ 100
Exceptional profile, strong across almost every axis.
Health
100
Profitability
100
Solvency
98
Growth
52
Stability
94
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verdict per customer and amountCompany registry
Company registry (CBE)
Crossroads BankNames & trade names
| Legal nameFR | BVDL |
Registered office
Rue des Corbeaux 27
1390 Grez-Doiceau, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.