Losses
-€49,375 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
G3V
Lifetime
7 annual accounts with figures on one time axispeak €1.0m (2023)
€471▲ €33,556
lowest -€29,993 (2024)
-€19,382▲ €10,611
peak €178,100 (2021)
€125,921▼ 13.3%
€61,676▲ 426%
peak 2.8 FTE (2020)
-not published
Board3 names since 2024
2 directorsBROUSMICHE Christophe and 1 other
Documentsfilings and deeds
02-09-202633 days late
2025micro format
Gross margin from -€33,085 to €471Loss of €19,382Equity from €145,303 to €125,921Debts from €11,722 to €61,6761 establishment registeredInvestments €83,273
Key points
from the 2025 annual accountsTurnover
≈ €2,400 estimated
The accounts state no turnover.
Investments
€83,273 5.5 × depreciation
Green is investment, beige is depreciation.
Liquidity
0.51 was 5.88 in 2024
Short-term debts rose from €11,722 to €61,676.
Filings
7 annual accounts 1 late
The 2025 accounts came 33 days late. The other six were filed on time.
Position in the sector
67.1%
Higher solvency than 83% of companies in accommodation. Sector median 19.0% · 1,609 companies.
Checked score
65
Healthy
Financially stronger than 42% of micro companies in accommodation (NACE 55)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 2,522 companies (NACE 55, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.6%● unchanged vs 12-2024
02-2025: 0.6%● unchanged vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.7%▲ +0.1 percentage points vs 03-2025
05-2025: 0.5%▼ -0.2 percentage points vs 04-2025
06-2025: 0.6%▲ +0.1 percentage points vs 05-2025
07-2025: 0.6%● unchanged vs 06-2025
08-2025: 0.6%● unchanged vs 07-2025
09-2025: 0.6%● unchanged vs 08-2025
10-2025: 0.6%● unchanged vs 09-2025
11-2025: 0.6%● unchanged vs 10-2025
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.5%▼ -0.1 percentage points vs 12-2025
02-2026: 0.5%● unchanged vs 01-2026
03-2026: 0.5%● unchanged vs 02-2026lowest value
04-2026: 0.5%● unchanged vs 03-2026
05-2026: 0.5%● unchanged vs 04-2026
06-2026: 0.5%● unchanged vs 05-2026
07-2026: 0.6%▲ +0.1 percentage points vs 06-2026
08-2026: 1.1%▲ +0.5 percentage points vs 07-2026
09-2026: 1.6%▲ +0.5 percentage points vs 08-2026highest value
10-2026: 1.2%▼ -0.4 percentage points vs 09-2026
11-2026: 1.2%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 33 days late; 1 of the last 3 accounts late
Loss of €19,382, the second in a row (financial year 2025)
lowers risk
Equity €125,921 (67.1% of total assets)
Size: total assets €187,597
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 55, micro). It does better than 82% of them on solvency, 43% on liquidity, 13% on profitability and 28% on growth.
The bankruptcy probability was computed on 09-11-2026 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 low class on 30-06-2025, 0.8% 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, 3,591 companies had the same profile as G3V has now. Each dot stands for 9 companies, two years later.
87.3%
were still trading
9.4%
stopped another way
3.0%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of G3V itself: 1.2% within 12 months.
Test of the method
The method was tested on the 497,447 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 3,591 companies, not a prediction for G3V. 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 €8,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.51 (5.88 in 2024), below 1. Short-term debt is 32.9% and cash 7.1% of total assets. 32.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€19,382
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-09-2026, 33 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 7 filingsDeviation from the deadline
2025
33 days late
2024
40 days early
2023
39 days early
2022
56 days early
2021
50 days early
2020
30 days early
2019
32 days early
← 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 31 days before the deadline. In the sector (NACE 55), the median for financial year 2024 was 1 day before the deadline, and 45% 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 21 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0684997964
First establishment
Au fil de Lau, Terne Saint-Martin 38, Chimay
Company renamed from FINANCES DES 3 VALLEES SPRL to G3V
Change of role: STAVAUX Laurence, from manager to director · Resignation: LIÉVIN Renaud Christian Marie Ghislain (manager) · Appointment: BROUSMICHE Christophe (director) · General meeting of 29-08-2024 · Gazette deed
Incorporation
Founders: STAVAUX Laurence Christiane Ghislaine (comparante) and LIÉVIN Renaud Christian Marie Ghislain (comparant) · Founding capital of €18,600, 186 shares · Appointments: STAVAUX Laurence Christiane Ghislaine (manager) and LIÉVIN Renaud Christian Marie Ghislain (manager) · published on 28-11-2017 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| G3V Chimay | €0.2m | €471 | 67.1% | - |
| Servus Kontich | €0.1m | -€616 | -125.6% | - |
| Terloght Diepenbeek | €0.4m | -€8,975 | 73.6% | - |
| TOMPOL Oostkamp | €0.3m | €1,896 | -6.4% | - |
| D.U. Real Estate Etterbeek | €0.05m | -€8,720 | 73.1% | - |
| CSP LOISIRS Fleurus | €0.7m | -€7,040 | 69.4% | - |
| BLOND - CUVELIER Dour | €1.0m | -€78,157 | -8.2% | - |
These companies have the same main activity as G3V: other holiday and short-stay accommodation (NACE 55209). They are comparable in size and age: total assets between €51,500 and €1m, founded between 2010 and 2023.
Official details
Source: KBO- Status
- Active since 24-11-2017Normal situation
- Activity
- Other holiday and short-stay accommodationNACE 55209and 2 others
- Establishment unit
- 2.373.047.3926461 Chimay, since 01-05-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 16-10-2025
Insights on G3V
G3V files the micro format. That format states no turnover. The gross margin fell from €629,744 in 2019 to €471 in 2025.
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 G3V
- What is the company number of G3V?
- The company number of G3V is 0684.997.964. The VAT number is the same number with BE in front: BE 0684.997.964.
- Where is G3V based?
- The registered office is at Rue du Lac 20, 6461 Chimay.Company details
- What does G3V do?
- According to the KBO register, the main activity is other holiday and short-stay accommodation (NACE 55209).
- What is the legal form of G3V?
- G3V is a private limited company (BV).
- When was G3V founded?
- G3V was founded on 24-11-2017.
- Is G3V still active?
- Yes, G3V is an active enterprise in the KBO register.
- How many employees does G3V have?
- G3V had an average of 2.8 full-time equivalents in financial year 2020, according to the filed annual accounts.Financials
- What is the turnover of G3V?
- The turnover in financial year 2025 is ≈ €2,400. This figure is estimated from the gross margin of €471 and 30 comparable companies (NACE 55). It probably lies between €1,400 and €3,800. It is a rough estimate.
- Is G3V profitable?
- In financial year 2025, G3V made a loss of €19,382.
- Where can I find the annual accounts of G3V?
- G3V filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of G3V due?
- G3V must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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