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GALVER

Active
Public limited companyfounded 198541 yrs activeKorte Zoutstraat 45, 9300 Aalst, BelgiumKBO/BCE: BE 0427.881.054
Summary

GALVER has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €864,919 and a net result of -€897. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 59% of 9727 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).

Risk analysisWatch ReportCompare
GALVERActiveChecked score 82/100
Risk analysis ReportCompare

Overview

What they do
Renting and operating of own or leased residential real estate, excluding social housing
NACE 68201
1 site
How big
€2.1mtotal assets 2024
Equity
€864,919
Loss
-€897
Turnover not published (abridged schema)
Financially healthy?
82 Excellent Checked score 2024
Bankruptcy chance 12 m
0.5%
Who decides
Parent
GAVEL · 74%
Accounts 63 d overdue1 of 10 deeds read
Why 82- Figures for FY 2024 (filed 24-07-2025)- Liquidity: current ratio 5.81, cash €22,837+ Size: total assets €2.1m+ Founded in 1985Show the evidence

Checked score

Score 2024
82 / 100
Excellent
Probability in this band: under 0.55%
Better than 43% of its sector peers (NACE 68, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Average
Solvency 66+2
equity 40.8% of total assets
Liquidity 49-1
short-term debt 14.4% · cash 1.1%
Profitability 30-29
return on assets 0.0%
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (6,919 companies)
Last 24 months 11-2024: 0.9%highest value 12-2024: 0.2%▼ -81.8% vs 11-2024 01-2025: 0.2%● 0.0% vs 12-2024 02-2025: 0.2%▲ +2.9% vs 01-2025 03-2025: 0.2%▲ +3.4% vs 02-2025 04-2025: 0.2%▲ +6.1% vs 03-2025 05-2025: 0.1%▼ -67.2% vs 04-2025 06-2025: 0.1%▼ -9.5% vs 05-2025 07-2025: 0.1%▲ +68.4% vs 06-2025 08-2025: 0.1%▼ -47.9% vs 07-2025lowest value 09-2025: 0.1%● 0.0% vs 08-2025lowest value 10-2025: 0.1%● 0.0% vs 09-2025lowest value 11-2025: 0.1%● 0.0% vs 10-2025lowest value 12-2025: 0.1%● 0.0% vs 11-2025lowest value 01-2026: 0.1%● 0.0% vs 12-2025lowest value 02-2026: 0.1%● 0.0% vs 01-2026lowest value 03-2026: 0.1%▲ +2.0% vs 02-2026 04-2026: 0.1%▲ +11.8% vs 03-2026 05-2026: 0.1%▲ +14.0% vs 04-2026 06-2026: 0.1%▼ -3.1% vs 05-2026 07-2026: 0.1%▲ +14.3% vs 06-2026 08-2026: 0.2%▲ +196% vs 07-2026 09-2026: 0.3%▲ +29.6% vs 08-2026 10-2026: 0.5%▲ +69.6% vs 09-2026
  • Figures for FY 2024 (filed 24-07-2025) raises the probability
  • Liquidity: current ratio 5.81, cash €22,837 raises the probability
  • Size: total assets €2.1m lowers the probability for this profile
  • Founded in 1985 lowers the probability for this profile
Credit up to €70,000 at 30 days acceptable
Liquidity ample (current ratio 5.81 against 8.19 in 2023; short-term debt: 14.4% and cash: 1.1% of total assets), but 59.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, small). Better than this share of them on solvency 60%, liquidity 49%, profitability 22%, growth against the median 42%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610020317, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Figures for FY 2024 (filed 24-07-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Liquidity: current ratio 5.81, cash €22,837
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Size: total assets €2.1m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Founded in 1985
In the bankruptcy model this factor lowers the probability for this profile.
KBO
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-07-2025, 7 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
7 d early
2023
6 d early
2022
24 d late
2021
48 d early
2020
27 d late
2019
15 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 4 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. RestructuringIncorporation · Statutes amendment ·…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Weakest financial yearnet -€897

Key points

  • Caution: From profit to loss in 2024after €106,154 in 2023 -€897 View
  • Caution: Accounts not fileddeadline was 31-07-2026 63 d late View
  • Controlled by GAVELknown shareholders 100% 74% View

By topic

Financials

Fiscal year
2024
Total assets
€2.1m
Loss
-€897
Solvency
40.8%
Total assets▼ 4.5%
Net result
20182024
Go to Financials

Timeline

Events
14
Since
2016
  1. 31-07-2026Restructuring
  2. 24-07-2025Annual accounts filed
  3. 31-12-2024Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Renting and operating of own or leased residential…NACE 68201
Founded
01-10-1985
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
1
Purpose
De aan- en verkoop, huur en verhuring, beheer en administratie van alle roerende en…
Go to Articles of association

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