Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 2 of the last 2 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 4 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
BV FINANCE ET ASSURANCE from Saint-Ghislain, company number BE1001242314, closed financial year 2025 with a result of € -15,808 after tax. For that financial year BV FINANCE ET ASSURANCE recorded a gross margin of € -4,413 and equity of € -34,094. Compared with financial year 2024, the result moved from € -19,785 to € -15,808. The company made a loss. 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 26, 2026.
€ -34,094
▼ € 15,808 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -15,808
▲ 20 % less loss than in 2024
Profit after tax over the fiscal year.
€ 2,693
▼ 17% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -35,594.
Debts at end 2025
€ 185,859
▼ 8% vs 2024
€ 21,439 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
| 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|
| Gross margin | € -6,897 | € -4,413 | ▲ € 2,484 |
| Profit after taxes | € -19,785 | € -15,808 | ▲ € 3,977 |
| Equity | € -18,285 | € -34,094 | ▼ € 15,808 |
| Total debts | € 241,525 | € 257,786 | ▲ 7% |
| Cash | € 3,240 | € 2,693 | ▼ 17% |
| Retained profit | € -19,785 | € -35,594 | ▼ € 15,808 |
| Bank debt | € 201,525 | € 185,859 | ▼ 8% |
| Balance sheet total | € 223,240 | € 223,693 |
Key figures of BV FINANCE ET ASSURANCE, fiscal years 2024 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 BV FINANCE ET ASSURANCE?
What happened at BV FINANCE ET ASSURANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 15,808. filed late Source: NBB ↗
- Incorporation, published in the Gazette. Source: Staatsblad ↗
- New establishment in Saint-Ghislain. KBO
In short
From € 19,785 loss in 2024 to € 15,808 loss in 2025.
Establishments
Establishment units
Physical locations of this company
Rue Ferrer(B) 18
7331 Saint-Ghislain
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Shareholders according to the Official Gazette deeds
Who contributed at incorporation and at capital increases, with the deed as source. Later share transfers are not published in the Gazette.
Incorporation
Source: Deed ↗- BANDIERA Virginia(oprichter) 100%
Details
- Company number
- 1001.242.314
- VAT number
- BE 1001.242.314
- Registered office
- Rue Ferrer(B) 18, 7331 Saint-Ghislain
- Names & denominations
- BV FINANCE ET ASSURANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 16 October 2023
- Peppol
- Not registered