BVP SOLUTIONS
ActiveBVP SOLUTIONS has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €234k and a net result of €-21k. Equity is shrinking by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 80% of 30893 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency67▼-33
Growth32=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days only on tighter terms
Liquidity short (current ratio 0.39 against 4.29 in 2024), and 17.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year -€21k
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 11-02-2026, 170 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
170 d early
2024
64 d early
2023
30 d late
2022
33 d early
2021
4 d early
2020
93 d early
2019
27 d early
← before the deadline
after the deadline →
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
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€234k▼ 8.2%
2024 · €255k
2021: €339k
2022: €302k
2023: €279k
2024: €255k
2021 → 2025
Total assets
€283k▲ 7.7%
2024 · €263k
2021: €341k
2022: €306k
2023: €283k
2024: €263k
2021 → 2025
Net result
€-21k▲ 10.3%
2024 · €-23k
2021: €26k
2022: €-37k
2023: €-23k
2024: €-23k
2021 → 2025
Working capital
€-30k
2024 · €24k
2021: €85k
2022: €85k
2023: €63k
2024: €24k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€339k-€302k▼ 10.9%€279k▼ 7.6%€255k▼ 8.4%€234k▼ 8.2%
Operating result€36k-€-37k€-23k▲ 38.2%€-24k▼ 5.7%€-19k▲ 21.8%
Net result€26k-€-37k€-23k▲ 38.2%€-23k▼ 2.3%€-21k▲ 10.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €19k in 2025 against €24k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €283k
Fixed assets
€264k▲ 14.0%
Current assets
€19k▼ 39.6%
Equity and liabilities €283k
Equity
€234k▼ 8.2%
Debt
€48k▲ 567%
The debt ratio rises from 2.8% to 17.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€2k▲
2024 · €-14k
Cash flow
€235▲
2024 · €-13k
Solvency
82.9%▼
2024 · 97.2%
Current ratio
0.39▼
2024 · 4.29
Quick ratio
0.39▼
2024 · 4.29
Debt / equity
0.21▲
2024 · 0.03
ROE
-8.9%▲
2024 · -9.1%
ROA
-7.4%▲
2024 · -8.9%
Interest coverage
0.86▲
2024 · -37.26
Debt
€48k▲
2024 · €7k
Debt ≤ 1 year
€48k▲
2024 · €7k
Debt > 1 year
€0=
2024 · €0
Income taxes
€184▲
2024 · €-33
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 · 2025 against 2024
Balance sheet
Code20242025
Total assets
20/58€263k€283k▲
Fixed assets
21/28€232k€264k▲
Formation expenses
20€0€0=
Intangible fixed assets
21€0€0=
Tangible fixed assets
22/27€232k€264k▲
Financial fixed assets
28€0€0=
Current assets
29/58€31k€19k▼
Stocks & contracts in progress
3€0€0=
Amounts receivable within one year
40/41€2k€2k▼
Investments
50/53€0€0=
Cash & bank
54/58€29k€17k▼
Total equity & liabilities
10/49€263k€283k▲
Equity
10/15€255k€234k▼
Contributions / capital
10/11€32k€32k=
Reserves
13€305k€305k=
Accumulated profits (losses)
14€-82k€-103k▼
Provisions & deferred taxes
16€0€0=
Amounts payable
17/49€7k€48k▲
Amounts payable after one year
17€0€0=
Amounts payable within one year
42/48€7k€48k▲
Trade debts payable within one year
44€3k€1k▼
Income statement
Code20242025
Gross operating margin
9900€-12k€5k▲
Operating result
9901€-24k€-19k▲
Financial income
75€1k€790▼
Financial charges
65€362€3k▲
Result before taxes
9903€-23k€-21k▲
Income taxes
67/77€-33€184▲
Net result for the period
9904€-23k€-21k▲
Result to be appropriated
9905€-23k€-21k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
11-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-37k ▼242%
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
04-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
06-07
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
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Of 82,137 companies in sector 70200 we hold annual accounts for 51,755. 38,816 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-2007
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
47400Retail sale of information and communication equipment
47410Retail trade
52487
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
72100
72220
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 25-07-2026. Scores and ratios are computed by Checked and are not a credit decision.