Equity
€659,819 ▲ 14.6%
Bouwbedrijf Van Gerwen has made a profit in every financial year since 2006.
Bouwbedrijf Van Gerwen
Lifetime
20 annual accounts with figures on one time axis, 35 filings since 1991peak €398,712 (2025)
€398,712▲ 2.3%
peak €108,184 (2025)
€108,184▲ 0.6%
peak €659,819 (2025)
€659,819▲ 14.6%
€303,991▲ 12.8%
peak 5.2 FTE (2013)
2.9 FTE▼ 3.3%
Board3 names since 2018
1 directorVan Gerwen Désiré
Documentsfilings and deeds
30-03-2026123 days before the deadline
2025abbreviated format
Dividend €23,889Equity from €575,524 to €659,819
Key points
from the 2025 annual accountsChecked score
96
Excellent
Financially stronger than 71% of micro companies in construction of buildings (NACE 41)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%highest value
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.1%▼ -0.1 percentage points vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: < 0.1%▼ -0.1 percentage points vs 03-2026lowest value
05-2026: < 0.1%● unchanged vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
lowers risk
Liquidity: current ratio 4.04, cash €257,761
Founded in 1991
Equity €659,819 (68.5% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 78% of them on solvency, 82% on liquidity, 65% on profitability and 59% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as Bouwbedrijf Van Gerwen has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Bouwbedrijf Van Gerwen itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for Bouwbedrijf Van Gerwen. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €60,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.04 (4.45 in 2024), above the usual 1.5. Short-term debt is 18.2% and cash 26.7% of total assets. 31.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 30-03-2026, 123 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
123 days early
2024
136 days early
2023
58 days early
2022
189 days late
2021
23 days early
2020
16 days late
2019
7 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 18 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 4 June (4 of the last 5 accounts filed within 79 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0442430757
Company renamed from BOUW-ENHOUTBEDRIJFVANGERWEN to BouwbedrijfVanGerwen
Change of role: VAN GERWEN, Désiré Hendrik Jozefina, from director to managing director · Resignation: VERDOODT, Tamara Jeanne Leon (director) · Reappointments: VAN GERWEN, Désiré Hendrik Jozefina (director) and VERDOODT, Tamara Jeanne Leon (director) · General meeting of 23-11-2023 · Gazette deed
Reappointments: Van Gerwen Désiré (managing director and chair of the board) and Verdoodt Tamara (director)
General meeting of 27-08-2018 · Gazette deed
First establishment
Kattestraat 15, Opwijk
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Bouwbedrijf Van Gerwen Opwijk | €1.0m | €398,712 | 68.5% | 2.9 |
| ENKA BOUW Leopoldsburg | €0.9m | €402,696 | 37.6% | 3 |
| Bouwonderneming Spiessens Harelbeke | €1.0m | €432,005 | 31.7% | 2.9 |
| Bouwwerken ICU Retie | €0.9m | €355,881 | 96.0% | 2.2 |
| KRIS STROBBE Staden | €1.2m | €433,162 | 27.9% | 3.3 |
| HEGA Wuustwezel | €1.2m | €386,635 | 59.4% | 2.1 |
| Gust Projectontwikkeling Hamme (Vl.) | €0.9m | €290,390 | 62.8% | 3.5 |
These companies have the same main activity as Bouwbedrijf Van Gerwen: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €858,000 and €1.2m, founded between 1989 and 1996.
Official details
Source: KBO- Status
- Active since 07-01-1991Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 1 other
- Joint committee
- 124Construction · annual accounts 2025
- Establishment unit
- 2.051.246.5281745 Opwijk, since 25-01-1991
- Financial year end
- 31 December
- Peppol
- Reachable since 01-10-2025
Annual accounts 2025
- ≈ €850,000estimated
- €963,810▲ 14.1%
- Employeeson 31-12-2025
- 4▲ 33.3%
- Filing
- Filed on 30-03-2026, 123 days before the end of the filing period
Insights on Bouwbedrijf Van Gerwen
Bouwbedrijf Van Gerwen files the abbreviated format. That format states no turnover. The gross margin rose from €165,722 in 2006 to €398,712 in 2025.
The balance sheet grew most from 2019 to 2021 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Bouwbedrijf Van Gerwen
- What is the company number of Bouwbedrijf Van Gerwen?
- The company number of Bouwbedrijf Van Gerwen is 0442.430.757. The VAT number is the same number with BE in front: BE 0442.430.757.
- Where is Bouwbedrijf Van Gerwen based?
- The registered office is at Kattestraat 15, 1745 Opwijk.Company details
- What does Bouwbedrijf Van Gerwen do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of Bouwbedrijf Van Gerwen?
- Bouwbedrijf Van Gerwen is a public limited company (NV).
- When was Bouwbedrijf Van Gerwen founded?
- Bouwbedrijf Van Gerwen was founded on 07-01-1991.
- Is Bouwbedrijf Van Gerwen still active?
- Yes, Bouwbedrijf Van Gerwen is an active enterprise in the KBO register.
- How many employees does Bouwbedrijf Van Gerwen have?
- Bouwbedrijf Van Gerwen had an average of 2.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Bouwbedrijf Van Gerwen fall under?
- In its 2025 annual accounts, Bouwbedrijf Van Gerwen states joint committee 124 (Construction).
- What is the turnover of Bouwbedrijf Van Gerwen?
- The turnover in financial year 2025 is ≈ €850,000. This figure is estimated from the gross margin of €398,712 and 30 comparable companies (NACE 41001). It probably lies between €680,000 and €1.3m.
- Is Bouwbedrijf Van Gerwen profitable?
- In financial year 2025, Bouwbedrijf Van Gerwen made a profit of €108,184.
- Where can I find the annual accounts of Bouwbedrijf Van Gerwen?
- Bouwbedrijf Van Gerwen filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Bouwbedrijf Van Gerwen due?
- Bouwbedrijf Van Gerwen must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See which support similar companies received that this one did not.Subsidies
See how customers, suppliers and banks see your own company and what to improve first.