Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
-
Tight liquidity NBB
Cash and receivables cover 38 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
BMVAL from Namur, company number BE0644843231, closed financial year 2025 with a result of € 7,473 after tax. For that financial year BMVAL recorded a gross margin of € 236,523 and equity of € -152,967. Compared with financial year 2024, the result moved from € -6,482 to € 7,473. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 28, 2026.
€ -152,967
▲ € 7,473 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 7,473
▲ still € 6,482 loss in 2024
Profit after tax over the fiscal year.
€ 135,868
▲ 116% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -182,967.
People and assets in 2025
3.8
Average over the fiscal year, from the social balance sheet.
€ 182,230
▲ 4% vs 2024
€ 48,000 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 9,122
▲ 121% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 70,906
▼ 14% vs 2024
€ 12,118 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 101,983
▲ 49% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 68,459
▲ 17% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 227,086 | € 178,340 | € 203,002 | € 236,523 | ▲ 17% |
| Profit after taxes | € 45,054 | € -21,081 | € -6,482 | € 7,473 | ▲ € 13,955 |
| Equity | € -132,876 | € -153,957 | € -160,439 | € -152,967 | ▲ € 7,473 |
| Total debts | € 287,618 | € 333,696 | € 432,586 | € 560,795 | ▲ 30% |
| Cash | € 31,248 | € 68,683 | € 63,033 | € 135,868 | ▲ 116% |
| Retained profit | € -162,876 | € -183,957 | € -190,439 | € -182,967 | ▲ € 7,473 |
| Bank debt | € 45,691 | € 0 | € 82,526 | € 70,906 | ▼ 14% |
| Balance sheet total | € 154,742 | € 179,739 | € 272,147 | € 407,828 | ▲ 50% |
| Employees (FTE) | - | - | - | 3.8 |
Key figures of BMVAL, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to BMVAL?
What happened at BMVAL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 7,473. filed late Source: NBB ↗
- New establishment in Namur. KBO
- Start of the company according to the CBE. KBO
In short
From € 45,054 profit in 2022 to € 7,473 profit in 2025.
Paid € 1,656 in corporate taxes since 2022.
Best year ever: 2022, with € 45,054 profit.
On average € 62,200 of value added per employee in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Directors
According to the 2025 annual accounts
Valérie CATINUS
Director
Establishments
Establishment units
Physical locations of this company
Chaussée de Marche(EP) 583
5101 Namur
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
CLOUDFLARENET - Cloudflare, Inc., US
DNS
Cloudflare DNS
Website info
Features
Security
Network
Details
- Company number
- 0644.843.231
- VAT number
- BE 0644.843.231
- Registered office
- Chaussée de Marche(EP) 583, 5101 Namur
- Names & denominations
- BMVAL
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 23 December 2015
- Peppol
- Active · Active since 20 Nov 2025
- Contact
- heytens.be
- Activities · NACE
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