BVH
ActiveBVH is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The latest annual accounts of BVH were filed more than 90 days after the deadline. The 2024 annual accounts show equity of €9.20M and a net result of €2.20M. Equity is growing by ~27.4% per year across the filed fiscal years. Its solvency ranks better than 61% of 6156 sector peers (fiscal year 2024). The company has been active since 2016 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.
Filing: Filed more than 90 days late
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-10-2025, 91 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
91 d late
2023
97 d late
2022
92 d late
2021
79 d late
2020
96 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€9.20M▲ 31.4%
2023 · €7.00M
2018: €764k
2019: €2.53M
2020: €3.30M
2021: €4.56M
2022: €5.77M
2023: €7.00M
2018 → 2024
Net result
€2.20M▲ 77.5%
2023 · €1.24M
2018: €750k
2019: €1.77M
2020: €775k
2021: €1.26M
2022: €1.21M
2023: €1.24M
2018 → 2024
Total assets
€14.38M▲ 9.7%
2023 · €13.11M
2018: €7.58M
2019: €7.91M
2020: €8.75M
2021: €9.66M
2022: €11.09M
2023: €13.11M
2018 → 2024
Solvency
64.0%▲ 10.5pp
2023 · 53.4%
2018: 10.1%
2019: 32.0%
2020: 37.7%
2021: 47.2%
2022: 52.0%
2023: 53.4%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€3.30M-€4.56M▲ 38.1%€5.77M▲ 26.5%€7.00M▲ 21.4%€9.20M▲ 31.4%
Operating result€57k-€97k▲ 71.4%€317k▲ 225%€54k▼ 82.9%€411k▲ 658%
Net result€775k-€1.26M▲ 62.4%€1.21M▼ 4.1%€1.24M▲ 2.7%€2.20M▲ 77.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 658% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €14.38M
Fixed assets
€11.74M▲ 11.1%
Current assets
€2.64M▲ 4.3%
Equity and liabilities €14.38M
Equity
€9.20M▲ 31.4%
Debt
€5.18M▼ 15.1%
The debt ratio falls from 46.6% to 36.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
64.0%▲
2023 · 53.4%
ROE
23.9%▲
2023 · 17.7%
ROA
15.3%▲
2023 · 9.5%
Debt
€5.18M▼
2023 · €6.10M
Debt ≤ 1 year
€4.28M▼
2023 · €5.02M
Debt > 1 year
€899k▼
2023 · €1.08M
Income taxes
€63k▲
2023 · €2k
Staff costs
€106k▼
2023 · €110k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€13.11M€14.38M▲
Fixed assets21/28€10.57M€11.74M▲
Tangible fixed assets22/27€184k€194k▲
Furniture and vehicles24€184k€194k▲
Financial fixed assets28€10.39M€11.55M▲
Current assets29/58€2.53M€2.64M▲
Stocks and contracts in progress3€625k€630k▲
Stocks30/36€625k€630k▲
Amounts receivable within one year40/41€1.82M€1.94M▲
Trade receivables40€426k€434k▲
Other amounts receivable41€1.40M€1.51M▲
Cash at bank and in hand54/58€84k€67k▼
Equity and liabilities
Total equity and liabilities10/49€13.11M€14.38M▲
Equity10/15€7.00M€9.20M▲
Contributions10/11€19k€19k=
Reserves13€6.99M€9.18M▲
Distributable reserves133€6.99M€9.18M▲
Amounts payable17/49€6.10M€5.18M▼
Amounts payable after more than one year17€1.08M€899k▼
Financial debts170/4€1.08M€899k▼
Amounts payable within one year42/48€5.02M€4.28M▼
Current portion of amounts payable after more than one year42€405k€495k▲
Financial debts43€477k€512k▲
Credit institutions430/8€477k€512k▲
Trade debts44€35k€26k▼
Suppliers440/4€35k-
Bills of exchange payable441-€26k
Taxes, remuneration and social security45€142k€82k▼
Taxes450/3€123k€76k▼
Remuneration and social security454/9€19k€6k▼
Other amounts payable47/48€3.96M€3.17M▼
Income statement
Code20232024
Remuneration, social security and pensions62€110k€106k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€19k€7k▼
Gross operating margin9900€187k€530k▲
Operating profit (loss)9901€54k€411k▲
Financial income75/76B€1.36M€2.01M▲
Recurring financial income75€1.36M€2.01M▲
Financial charges65/66B€176k€155k▼
Recurring financial charges65€128k€155k▲
Non-recurring financial charges66B€48k-
Profit (loss) for the period before taxes9903€1.24M€2.26M▲
Income taxes67/77€2k€63k▲
Profit (loss) for the period9904€1.24M€2.20M▲
Profit (loss) for the period to be appropriated9905€1.24M€2.20M▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.24M€2.20M▲
Transfer to equity691/2€1.24M€2.20M▲
To other reserves6921€1.24M€2.20M▲
Profit to be distributed694/7€4k€4k▲
Other beneficiaries697€4k€4k▲
Social balance
Average headcount (FTE)90871.61.5▼
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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 91 days late
2024
31-12
Financial
Highest result since 2018net €2.20M ▲77.5%
Operating result €411k, net result €2.20M, both a record.
05-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 97 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 92 days late
2022
31-12
Financial
Equity above €5MEq €5.77M ▲26.5%
5 profitable years in a row build equity to €5.77M.
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 79 days late
2021
04-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 96 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
31-12
Financial
Equity above €2MEq €2.53M ▲231%
2 profitable years in a row build equity to €2.53M.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 61 days late
2018
03-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 64 days late
2017
01-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit since 2016
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.
Arthur Goemaerelei 122018 AntwerpenGround area
232 m²
Building footprint
115 m²
Volume, LiDAR
1,174 m³
Parcel 11810K1824/00M000, Flanders · tallest building 17.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BVH
since 20162.258.259.671
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1824/00M000 | Flanders | 231 m² | 1 · 115 m² | 17.0 m · 4 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 6,276 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-08-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.