DESLOOVER GIOVANNI
ActiveDESLOOVER GIOVANNI has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €692k and a net result of €67k. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 90% of 27446 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
91
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▲+4
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 7.9 against 8.6 in 2024), and 13.7% 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
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
Sector 43
higher
← 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
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
86.3%
Return on assets
8.3%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 06-03-2026, 55 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
55 d early
2024
on the day
2023
34 d early
2022
37 d early
2021
40 d early
2020
36 d early
2019
58 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€692k▼ 1.3%
2024 · €701k
2018: €410k
2019: €452k
2020: €502k
2021: €577k
2022: €580k
2023: €639k
2024: €701k
2018 → 2025
Total assets
€802k▼ 3.2%
2024 · €828k
2018: €695k
2019: €711k
2020: €742k
2021: €771k
2022: €748k
2023: €785k
2024: €828k
2018 → 2025
Net result
€67k▲ 7.0%
2024 · €62k
2018: €33k
2019: €43k
2020: €50k
2021: €74k
2022: €83k
2023: €75k
2024: €62k
2018 → 2025
Working capital
€388k▼ 12.3%
2024 · €442k
2018: €303k
2019: €340k
2020: €429k
2021: €376k
2022: €400k
2023: €434k
2024: €442k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€577k-€580k▲ 0.5%€639k▲ 10.2%€701k▲ 9.8%€692k▼ 1.3%
Operating result€108k-€125k▲ 15.7%€113k▼ 10.2%€95k▼ 15.3%€97k▲ 1.6%
Net result€74k-€83k▲ 11.9%€75k▼ 10.2%€62k▼ 16.7%€67k▲ 7.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €802k
Fixed assets
€358k▲ 9.2%
Current assets
€444k▼ 11.2%
Equity and liabilities €802k
Equity
€692k▼ 1.3%
Debt
€110k▼ 13.3%
The debt ratio falls from 15.3% to 13.7%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€152k▼
2024 · €153k
Cash flow
€122k▲
2024 · €120k
Solvency
86.3%▲
2024 · 84.7%
Current ratio
7.90▼
2024 · 8.60
Quick ratio
7.66▼
2024 · 8.38
Debt / equity
0.16▼
2024 · 0.18
ROE
9.6%▲
2024 · 8.9%
ROA
8.3%▲
2024 · 7.5%
Interest coverage
25.95▲
2024 · 18.21
Debt
€110k▼
2024 · €127k
Debt ≤ 1 year
€56k▼
2024 · €58k
Debt > 1 year
€53k▼
2024 · €68k
Income taxes
€33k▲
2024 · €29k
Staff costs
€35k▲
2024 · €33k
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
Assets
Total assets20/58€828k€802k▼
Fixed assets21/28€328k€358k▲
Tangible fixed assets22/27€328k€358k▲
Land and buildings22€179k€175k▼
Plant, machinery and equipment23€10k€9k▼
Furniture and vehicles24€139k€173k▲
Current assets29/58€500k€444k▼
Stocks and contracts in progress3€13k€13k▲
Stocks30/36€6k€8k▲
Contracts in progress37€7k€5k▼
Amounts receivable within one year40/41€37k€31k▼
Trade receivables40€27k€23k▼
Other amounts receivable41€10k€8k▼
Cash at bank and in hand54/58€442k€392k▼
Deferred charges and accrued income490/1€9k€8k▼
Equity and liabilities
Total equity and liabilities10/49€828k€802k▼
Equity10/15€701k€692k▼
Contributions10/11€12k€12k=
Reserves13€459k€450k▼
Distributable reserves133€459k€450k▼
Profit (loss) carried forward14€230k€230k=
Amounts payable17/49€127k€110k▼
Amounts payable after more than one year17€68k€53k▼
Financial debts170/4€68k€53k▼
Amounts payable within one year42/48€58k€56k▼
Current portion of amounts payable after more than one year42€15k€15k▲
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€1k€4k▲
Taxes450/3€1k€2k▲
Remuneration and social security454/9€0€3k▲
Other amounts payable47/48€36k€30k▼
Accrued charges and deferred income492/3€453€420▼
Income statement
Code20242025
Non-recurring operating income76A€32k€0▼
Remuneration, social security and pensions62€33k€35k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€55k▼
Other operating charges640/8€6k€6k▼
Gross operating margin9900€192k€193k▲
Operating profit (loss)9901€95k€97k▲
Financial income75/76B€4k€9k▲
Recurring financial income75€4k€9k▲
Financial charges65/66B€8k€6k▼
Recurring financial charges65€8k€6k▼
Profit (loss) for the period before taxes9903€91k€100k▲
Income taxes67/77€29k€33k▲
Profit (loss) for the period9904€62k€67k▲
Profit (loss) for the period to be appropriated9905€62k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€292k€297k▲
Profit (loss) brought forward from the previous period14P€230k€230k=
Transfer from equity791/2€0€76k▲
Transfer to equity691/2€62k€67k▲
To other reserves6921€62k€67k▲
Profit to be distributed694/7€0€76k▲
Return on contributions (dividend)694€0€76k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €83k ▲11.9%
Operating result €125k, net result €83k, both a record.
21-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €500kEq €502k ▲11.2%
3 profitable years in a row build equity to €502k.
03-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-03
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.
Directors · office · real estate
Directors
1 act for this company is 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, Kortrijk · 1 establishment unit since 2000
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
André Demedtslaan(Mar) 28510 KortrijkGround area
1,051 m²
Building footprint
252 m²
Volume, LiDAR
1,189 m³
Parcel 34026B0389/00B002, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DESLOOVER GIOVANNI
since 20002.100.775.718
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34026B0389/00B002 | Flanders | 1,051 m² | 1 · 252 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
894500HOZ3SC5M3NUD31
Similar companies · same sector, comparable size
D'HONDT
BE 0418.804.428
Dendermonde · Eq €692k
OLIVIER SAMYN
BE 0895.048.197
Damme · Eq €693k
MICHEL - LAMBERTY
BE 0831.323.751
Baelen · Eq €694k
Engels B&S
BE 0825.446.244
Mechelen · Eq €699k
Etablissements Ernest Seghers et Fils
BE 0407.232.427
Ecaussinnes · Eq €703k
Of 7,033 companies in sector 43221 we hold annual accounts for 3,468. 2,020 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-04-2000
Fiscal year end30-09
Activities, NACEBEL
43221Plumbing work
45332
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.