BVDL
ActiveSummary
The computed 12-month bankruptcy probability of BVDL is 2.3% (moderate). The 2025 annual accounts show equity of €682k and a net result of €5k. Equity is growing by ~29.5% 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.
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability43▼-42
Solvency83▲+1
Growth52=
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 16.81 against 17.94 in 2024; short-term debt: 3.1% and cash: 26.1% of total assets), and 41.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
58.1%
Return on assets
0.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 5 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
30 d late
2022
31 d late
2021
78 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, micro schema
Equity
€682k▲ 0.7%
2024 · €677k
2021: €198k
2022: €368k
2023: €522k
2024: €677k
2021 → 2025
Total assets
€1.17M▼ 1.3%
2024 · €1.19M
2021: €482k
2022: €681k
2023: €1.11M
2024: €1.19M
2021 → 2025
Net result
€5k▼ 96.8%
2024 · €155k
2021: €195k
2022: €170k
2023: €154k
2024: €155k
2021 → 2025
Working capital
€569k▲ 1.7%
2024 · €559k
2021: €201k
2022: €347k
2023: €406k
2024: €559k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€198k-€368k▲ 85.9%€522k▲ 41.8%€677k▲ 29.7%€682k▲ 0.7%
Operating result€281k-€262k▼ 6.8%€230k▼ 12.5%€248k▲ 8.0%€18k▼ 92.7%
Net result€195k-€170k▼ 13.0%€154k▼ 9.6%€155k▲ 0.9%€5k▼ 96.8%
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 93% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.17M
Fixed assets
€569k ▼ 4.8%
Current assets
€605k ▲ 2.1%
Equity and liabilities €1.17M
Equity
€682k ▲ 0.7%
Debt
€492k ▼ 4.0%
Debt's share of the balance-sheet total falls from 43.1% to 41.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€47k▼
2024 · €274k
Cash flow
€33k▼
2024 · €181k
Current ratio
16.81▼
2024 · 17.94
Debt to equity
0.72▼
2024 · 0.76
ROE
0.7%▼
2024 · 22.9%
ROA
0.4%▼
2024 · 13.0%
Interest coverage
2.82▼
2024 · 14.54
Debt ≤ 1 year
€36k▲
2024 · €33k
Debt > 1 year
€456k▼
2024 · €478k
Income taxes
€3k▼
2024 · €75k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.19M€1.17M▼
Fixed assets21/28€598k€569k▼
Tangible fixed assets22/27€598k€569k▼
Land and buildings22€570k€551k▼
Furniture and vehicles24€28k€18k▼
Current assets29/58€592k€605k▲
Amounts receivable after more than one year29-€226k
Other amounts receivable291-€226k
Amounts receivable within one year40/41€83k€72k▼
Trade receivables40€56k€33k▼
Other amounts receivable41€27k€39k▲
Cash at bank and in hand54/58€509k€307k▼
Deferred charges and accrued income490/1€897€470▼
Equity and liabilities
Total equity and liabilities10/49€1.19M€1.17M▼
Equity10/15€677k€682k▲
Contributions10/11€3k€3k=
Reserves13€668k€668k=
Distributable reserves133€668k€668k=
Profit (loss) carried forward14€7k€11k▲
Amounts payable17/49€513k€492k▼
Amounts payable after more than one year17€478k€456k▼
Financial debts170/4€477k€455k▼
Other amounts payable178/9€2k€2k▲
Amounts payable within one year42/48€33k€36k▲
Current portion of amounts payable after more than one year42€21k€25k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€9k€9k=
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€28k▲
Other operating charges640/8€2k€4k▲
Gross operating margin9900€276k€51k▼
Operating profit (loss)9901€248k€18k▼
Financial income75/76B€814€6k▲
Recurring financial income75€814€6k▲
Financial charges65/66B€19k€17k▼
Recurring financial charges65€19k€17k▼
Profit (loss) for the period before taxes9903€230k€8k▼
Income taxes67/77€75k€3k▼
Profit (loss) for the period9904€155k€5k▼
Profit (loss) for the period to be appropriated9905€155k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€157k€11k▼
Profit (loss) brought forward from the previous period14P€1k€7k▲
Transfer to equity691/2€150k€0▼
To other reserves6921€150k€0▼
The notes to these accounts (9 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €5k ▼96.8%
Net result drops to €5k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 17.94
Current ratio from 5.35 to 17.94; short-term debt falls from €93k to €33k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
02-05
State Gazette act
General meeting · Board meeting
Accounting effect · Director resignation
02-05
State Gazette act
General meeting · Director resignation
Director reappointment · Permanent representative
2023
31-12
Financial
Equity above €500kEq €522k ▲41.8%
3 profitable years in a row build equity to €522k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €200kEq €368k ▲85.9%
2 profitable years in a row build equity to €368k.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
03-03
State Gazette act
General meeting · Board meeting
Director resignation · Director appointment
03-03
State Gazette act
General meeting · Board meeting
Director resignation · Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Grez-Doiceau · 1 establishment unit since 2021
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.
Rue des Corbeaux 271390 Grez-DoiceauGround area
2,663 m²
Building footprint
185 m²
Volume, LiDAR
1,204 m³
Parcel 25012C0358/00C000, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVDL
since 20212.320.263.853
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25012C0358/00C000 | Wallonia | 2,663 m² | 1 · 185 m² | 8.1 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.
Structure & network
Connections & network
5 connected companiesLinked via shared directors
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Show 1 more companies with a shared director
Shared director
→
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-04-2021
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.