4802
ActiveSummary
The computed 12-month bankruptcy probability of 4802 is 2.4% (moderate). The 2025 annual accounts show equity of €33,293 and a net result of €2,064. Equity is growing by ~34.5% per year across the filed fiscal years. Its solvency ranks better than 45% of 28051 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability72▼-28
Solvency68▼-16
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.64 in 2024; short-term debt: 23% and cash: 11.5% of total assets), and 57.2% of the assets are financed with debt.
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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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
42.8%
Return on assets
2.7%
Age of the figures
9 mo
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 20-05-2026, 72 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
72 d early
2024
43 d early
2023
13 d early
2022
19 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 27 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€33,293▲ 6.6%
2024 · €31,230
Total assets
€77,860▲ 46.0%
2024 · €53,340
Net result
€2,064▼ 88.5%
2024 · €17,968
Working capital
€2,169▼ 73.2%
2024 · €8,102
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€14,730-€154▼ 99.0%€23,958▲ 15,418%€4,096▼ 82.9%
Net result€12,532--€271€17,968€2,064▼ 88.5%
Equity€13,532-€13,261▼ 2.0%€31,230▲ 135%€33,293▲ 6.6%
Total assets€83,713-€62,293▼ 25.6%€53,340▼ 14.4%€77,860▲ 46.0%
Debt€70,182-€49,032▼ 30.1%€22,111▼ 54.9%€44,566▲ 102%
Working capital-€20,277--€8,024▲ 60.4%€8,102€2,169▼ 73.2%
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 83% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77,860
Fixed assets
€57,769 ▲ 77.8%
Current assets
€20,090 ▼ 3.7%
Equity and liabilities €77,860
Equity
€33,293 ▲ 6.6%
Debt
€44,566 ▲ 102%
Debt's share of the balance-sheet total rises from 41.5% to 57.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€23,649▼
2024 · €35,984
Cash flow
€21,616▼
2024 · €29,994
Current ratio
1.12▼
2024 · 1.64
Debt to equity
1.34▲
2024 · 0.71
ROE
6.2%▼
2024 · 57.5%
ROA
2.7%▼
2024 · 33.7%
Interest coverage
14.87▼
2024 · 150.31
Debt ≤ 1 year
€17,921▲
2024 · €12,751
Debt > 1 year
€26,645▲
2024 · €9,360
Income taxes
€478▼
2024 · €5,917
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €485 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,455 | €11,913 | €12,026 | €19,552 | ▲ 62.6% |
| Other operating charges640/8 | €1,968 | €1,947 | €435 | €1,757 | ▲ 304% |
| Gross operating margin9900 | €25,638 | €14,014 | €36,419 | €25,405 | ▼ 30.2% |
| Operating profit (loss)9901 | €14,730 | €154 | €23,958 | €4,096 | ▼ 82.9% |
| Financial income75/76B | €76 | €164 | €167 | €36 | ▼ 78.4% |
| Recurring financial income75 | €76 | €164 | €167 | €36 | ▼ 78.4% |
| Financial charges65/66B | €470 | €261 | €239 | €1,590 | ▲ 564% |
| Recurring financial charges65 | €470 | €261 | €239 | €1,590 | ▲ 564% |
| Profit (loss) for the period before taxes9903 | €14,336 | €57 | €23,885 | €2,542 | ▼ 89.4% |
| Income taxes67/77 | €1,804 | €328 | €5,917 | €478 | ▼ 91.9% |
| Profit (loss) for the period9904 | €12,532 | -€271 | €17,968 | €2,064 | ▼ 88.5% |
| Profit (loss) for the period to be appropriated9905 | €12,532 | -€271 | €17,968 | €2,064 | ▼ 88.5% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €83,713 | €62,293 | €53,340 | €77,860 | ▲ 46.0% |
| Fixed assets21/28 | €55,649 | €39,286 | €32,488 | €57,769 | ▲ 77.8% |
| Tangible fixed assets22/27 | €55,649 | €39,286 | €32,488 | €57,769 | ▲ 77.8% |
| Plant, machinery and equipment23 | €19,809 | €14,872 | €15,050 | €11,624 | ▼ 22.8% |
| Furniture and vehicles24 | €35,840 | €24,414 | €17,438 | €46,146 | ▲ 165% |
| Current assets29/58 | €28,064 | €23,007 | €20,852 | €20,090 | ▼ 3.7% |
| Amounts receivable within one year40/41 | €21,616 | €19,098 | €12,267 | €8,387 | ▼ 31.6% |
| Trade receivables40 | €15,900 | €14,474 | €7,225 | €3,401 | ▼ 52.9% |
| Other amounts receivable41 | €5,716 | €4,624 | €5,042 | €4,986 | ▼ 1.1% |
| Cash at bank and in hand54/58 | €4,466 | €3,408 | €6,247 | €8,941 | ▲ 43.1% |
| Deferred charges and accrued income490/1 | €1,983 | €501 | €2,338 | €2,763 | ▲ 18.2% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €83,713 | €62,293 | €53,340 | €77,860 | ▲ 46.0% |
| Equity10/15 | €13,532 | €13,261 | €31,230 | €33,293 | ▲ 6.6% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Reserves13 | €12,500 | €12,500 | €12,500 | €12,500 | = |
| Distributable reserves133 | €12,500 | €12,500 | €12,500 | €12,500 | = |
| Profit (loss) carried forward14 | €32 | -€239 | €17,730 | €19,793 | ▲ 11.6% |
| Amounts payable17/49 | €70,182 | €49,032 | €22,111 | €44,566 | ▲ 102% |
| Amounts payable after more than one year17 | €21,840 | €15,600 | €9,360 | €26,645 | ▲ 185% |
| Financial debts170/4 | €21,840 | €15,600 | €9,360 | €26,645 | ▲ 185% |
| Amounts payable within one year42/48 | €48,341 | €31,031 | €12,751 | €17,921 | ▲ 40.6% |
| Current portion of amounts payable after more than one year42 | €6,240 | €6,760 | €6,240 | €16,076 | ▲ 158% |
| Trade debts44 | €16,926 | €2,484 | €6,510 | €1,209 | ▼ 81.4% |
| Suppliers440/4 | €16,926 | €2,484 | €6,510 | €1,209 | ▼ 81.4% |
| Taxes, remuneration and social security45 | €3,904 | €463 | - | €135 | - |
| Taxes450/3 | €1,804 | €463 | - | €135 | - |
| Remuneration and social security454/9 | €2,100 | - | - | - | - |
| Other amounts payable47/48 | €21,271 | €21,324 | - | €502 | - |
| Accrued charges and deferred income492/3 | - | €2,400 | - | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12,532 | -€271 | €17,968 | €2,064 | ▼ 88.5% |
| + Depreciation and write-downs630 | €8,455 | €11,913 | €12,026 | €19,552 | ▲ 62.6% |
| Operating cash flow (approximation) | €20,987 | €11,642 | €29,994 | €21,616 | ▼ 27.9% |
| Investment in fixed assets (approximation) | - | €4,451 | -€5,228 | -€44,834 | ▼ 758% |
| Change in cash | - | -€1,058 | €2,839 | €2,693 | ▼ 5.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €17,968
Net result €17,968 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.64
Current ratio from 0.74 to 1.64; short-term debt falls from €31,031 to €12,751.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€271
Net result drops to -€271, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 19 days late
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
Directors
2 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, Verviers · 1 establishment unit since 2021
Ground area
1,119 m²
Building footprint
138 m²
Volume, LiDAR
906 m³
Parcel 63036A0551/00M003, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Avenue des Longues Waides 10, 4802 Verviers
since 20212.320.020.363
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63036A0551/00M003 | Wallonia | 1,119 m² | 1 · 138 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
KWALITY CONCEPT
BE 0739.573.035
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D-HAW
BE 0759.755.171
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Heating Projects
BE 0753.826.788
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INDIGO CONSTRUCT
BE 0862.433.532
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BEN-TECHNICS
BE 0750.989.242
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Of 7,043 companies in sector 43221 we hold annual accounts for 3,473. 2,794 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-07-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
43110Demolition
43120Site preparation
43410Roofing work
81210General cleaning of buildings
82990Other business support services
Contact
E-mail
4802gvh@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0771680134
Registered
31-12-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.