GAVENDING

Active

Private limited companyfounded 200223 yrs activeBoulevard des Rendanges(Jod.) 10, 1370 Jodoigne, BelgiumKBO/BCE: BE 0479.083.988

Summary

The computed 12-month bankruptcy probability of GAVENDING is 1.5% (moderate). The 2024 annual accounts show equity of €364,548 and a net result of €64,475. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 53% of 526 sector peers (fiscal year 2024). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

GAVENDINGActiveChecked score 64/100

Risk analysis Report Compare

Activity

Renting and leasing of other personal and household goods

NACE 77229Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110NACE 71408

1 site

Size

€923,027total assets 2024

Staff: 8.4 FTE
Equity: €364,548
Profit: €64,475

Financial health

64 Healthy Checked score 2024

Bankruptcy chance 12 m: 1.5%

Structure

Accounts 66 d overdue0 of 3 deeds read

Why 64- Figures for FY 2024 (filed 04-09-2025)- Size: 8.4 FTE, total assets €923,027+ Founded in 2002+ Equity €364,548 (39.5% of total assets)Show the evidence

Checked score

Score 2024

64 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 52% of its sector peers (NACE 77, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2023

Strong

Solvency 64-21

equity 39.5% of total assets

Liquidity 44-17

short-term debt 37.6% · cash 9.3%

Profitability 77-4

return on assets 7.0%

Bankruptcy probability, 12 months

1.5% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (3,160 companies)

Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%▼ -1.2% vs 12-2024 02-2025: 0.2%● 0.0% vs 01-2025 03-2025: 0.2%▼ -0.6% vs 02-2025 04-2025: 0.2%▼ -0.6% vs 03-2025 05-2025: 0.2%▼ -1.2% vs 04-2025 06-2025: 0.2%▼ -1.2% vs 05-2025lowest value 07-2025: 0.2%▲ +14.8% vs 06-2025 08-2025: 0.3%▲ +68.8% vs 07-2025 09-2025: 0.4%▲ +17.8% vs 08-2025 10-2025: 0.3%▼ -20.3% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%● 0.0% vs 12-2025 02-2026: 0.3%● 0.0% vs 01-2026 03-2026: 0.3%● 0.0% vs 02-2026 04-2026: 0.3%▲ +5.1% vs 03-2026 05-2026: 0.3%▼ -1.6% vs 04-2026 06-2026: 0.3%▼ -3.6% vs 05-2026 07-2026: 0.3%▲ +12.2% vs 06-2026 08-2026: 0.8%▲ +140% vs 07-2026 09-2026: 1.0%▲ +19.9% vs 08-2026 10-2026: 1.5%▲ +60.2% vs 09-2026highest value

Figures for FY 2024 (filed 04-09-2025) raises the probability
Founded in 2002 lowers the probability for this profile
Size: 8.4 FTE, total assets €923,027 raises the probability for this profile
Equity €364,548 (39.5% of total assets) lowers the probability

Credit up to €23,000 at 30 days acceptable

Liquidity tight (current ratio 1.39 against 2.13 in 2023; short-term debt: 37.6% and cash: 9.3% of total assets), and 60.5% 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 77, micro). Better than this share of them on solvency 56%, liquidity 46%, profitability 68%, growth against the median 40%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. 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.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Figures for FY 2024 (filed 04-09-2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Founded in 2002

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Size: 8.4 FTE, total assets €923,027

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Equity €364,548 (39.5% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 · 10 filings

Deviation from the deadline

2025

not confirmed

2024

30 d late

2023

29 d late

2022

25 d late

2021

94 d late

2020

31 d late

2019

95 d late

← 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 51 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (1)

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