G3S-BOUW
ActiveSummary
The computed 12-month bankruptcy probability of G3S-BOUW is 1.5% (moderate). The 2025 annual accounts show equity of €2.89M and a net result of €630k. Equity is growing by ~25.8% per year across the filed fiscal years. Its solvency ranks better than 59% of 2179 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
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-4
Solvency71▲+2
Growth52=
Track record94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €190k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 1.97 in 2024; short-term debt: 30.5% and cash: 13.6% of total assets), but 53.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
46.2%
Return on assets
10.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
31 d late
2024
390 d late
2023
755 d late
2022
122 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.89M▲ 20.8%
2024 · €2.39M
2022: €1.15M
2023: €1.88M
2024: €2.39M
2022 → 2025
Total assets
€6.26M▲ 14.5%
2024 · €5.47M
2022: €3.06M
2023: €5.65M
2024: €5.47M
2022 → 2025
Net result
€630k▼ 12.4%
2024 · €719k
2022: €1.19M
2023: €880k
2024: €719k
2022 → 2025
Working capital
€1.92M▲ 33.2%
2024 · €1.44M
2022: €881k
2023: €1.16M
2024: €1.44M
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€1.15M-€1.88M▲ 63.8%€2.39M▲ 27.7%€2.89M▲ 20.8%
Operating result€1.42M-€1.03M▼ 27.6%€851k▼ 17.5%€656k▼ 22.9%
Net result€1.19M-€880k▼ 25.7%€719k▼ 18.3%€630k▼ 12.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 23% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.26M
Fixed assets
€2.43M ▼ 4.1%
Current assets
€3.83M ▲ 30.5%
Equity and liabilities €6.26M
Equity
€2.89M ▲ 20.8%
Debt
€3.36M ▲ 9.5%
Debt's share of the balance-sheet total falls from 56.2% to 53.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€885k▼
2024 · €1.06M
Cash flow
€859k▼
2024 · €931k
Current ratio
2.01▲
2024 · 1.97
Quick ratio
1.85▼
2024 · 1.95
Debt to equity
1.16▼
2024 · 1.28
ROE
21.8%▼
2024 · 30.0%
ROA
10.1%▼
2024 · 13.2%
Interest coverage
24.59▼
2024 · 32.13
Debt ≤ 1 year
€1.91M▲
2024 · €1.49M
Debt > 1 year
€1.46M▼
2024 · €1.58M
Income taxes
€112k▼
2024 · €192k
Staff costs
€600k▲
2024 · €356k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.47M€6.26M▲
Fixed assets21/28€2.54M€2.43M▼
Tangible fixed assets22/27€2.47M€2.29M▼
Land and buildings22€2.03M€1.96M▼
Plant, machinery and equipment23€220k€151k▼
Furniture and vehicles24€214k€178k▼
Financial fixed assets28€67k€139k▲
Current assets29/58€2.93M€3.83M▲
Stocks and contracts in progress3€19k€302k▲
Stocks30/36€19k€302k▲
Amounts receivable within one year40/41€1.95M€2.67M▲
Trade receivables40€1.86M€2.43M▲
Other amounts receivable41€92k€244k▲
Cash at bank and in hand54/58€959k€848k▼
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€5.47M€6.26M▲
Equity10/15€2.39M€2.89M▲
Contributions10/11€60k€60k=
Reserves13€2.33M€2.83M▲
Tax-exempt reserves132€1.15M€944k▼
Distributable reserves133€1.19M€1.89M▲
Amounts payable17/49€3.07M€3.36M▲
Amounts payable after more than one year17€1.58M€1.46M▼
Financial debts170/4€1.58M€1.46M▼
Amounts payable within one year42/48€1.49M€1.91M▲
Current portion of amounts payable after more than one year42€125k€124k▼
Financial debts43-€150k
Credit institutions430/8-€150k
Trade debts44€847k€1.28M▲
Suppliers440/4€847k€1.28M▲
Taxes, remuneration and social security45€253k€189k▼
Taxes450/3€234k€131k▼
Remuneration and social security454/9€18k€59k▲
Other amounts payable47/48€265k€167k▼
Income statement
Code20242025
Remuneration, social security and pensions62€356k€600k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€211k€229k▲
Other operating charges640/8€7k€11k▲
Gross operating margin9900€1.42M€1.50M▲
Operating profit (loss)9901€851k€656k▼
Financial income75/76B€93k€122k▲
Recurring financial income75€93k€122k▲
Financial charges65/66B€33k€36k▲
Recurring financial charges65€33k€36k▲
Profit (loss) for the period before taxes9903€911k€743k▼
Income taxes67/77€192k€112k▼
Profit (loss) for the period9904€719k€630k▼
Transfer from tax-exempt reserves789-€228k
Transfer to tax-exempt reserves689€256k€169k▼
Profit (loss) for the period to be appropriated9905€464k€689k▲
Appropriation of the result
Profit (loss) to be appropriated9906€464k€689k▲
Transfer to equity691/2€264k€539k▲
To other reserves6921€264k€539k▲
Profit to be distributed694/7€200k€150k▼
Directors or managers695€200k€150k▼
Social balance
Average headcount (FTE)90876.58.8▲
The notes to these accounts (13 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 390 days late
25-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 755 days late
2025
31-12
Financial
Weakest financial yearnet €630k ▼12.4%
Net result drops to €630k, the lowest in the series.
2024
31-12
Financial
Equity above €2MEq €2.39M ▲27.7%
3 profitable years in a row build equity to €2.39M.
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Tessenderlo-Ham · 1 establishment unit since 2021
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.
Steenoven 293945 Tessenderlo-HamGround area
5,527 m²
Building footprint
1,354 m²
Parcel 71033B1657/00G000, Flanders. Linked by address, not a title deed.
1 establishment unit
G3S-BOUW
since 20212.312.724.082
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71033B1657/00G000 | Flanders | 5,527 m² | 1 · 1,354 m² | - |
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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 611 EUR awarded · 556 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 117 EUR | 62 EUR |
| 2024 | 1 | 422 EUR | 422 EUR |
| 2023 | 1 | 72 EUR | 72 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
4 categoriesG3S-BOUW BV41218
Similar companies · same sector, comparable size
ALPAS
BE 0429.446.318
Dendermonde · Eq €2,893,531
GILLEMAN
BE 0426.634.011
Oudenaarde · Eq €2,890,936
BOUWINVEST
BE 0445.822.094
Merchtem · Eq €2,887,388
BETOWEST
BE 0457.526.234
Heuvelland · Eq €2,903,102
METTET MATERIAUX
BE 0864.810.428
Mettet · Eq €2,916,195
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 3,038 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.