Gavia
ActiveSummary
Gavia has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€42,175) and a net result of -€1,993. Equity is shrinking by ~19.4% per year across the filed fiscal years. Its solvency ranks better than 5% of 14284 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability37▲+37
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.07 against 0.03 in 2024; short-term debt: 374.1% and cash: 25.5% of total assets), and equity is negative.
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Signals
Five 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-274.1%
Return on assets
-13%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year -€42,175
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-06-2026, 58 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
58 d early
2024
17 d early
2023
16 d late
2022
18 d late
2021
11 d late
2020
30 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 on the deadline day; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
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. Usually files around 11 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€42,175▼ 5.0%
2024 · -€40,182
Total assets
€15,387▼ 6.4%
2024 · €16,448
Net result
-€1,993▲ 87.4%
2024 · -€15,761
Working capital
-€53,633▲ 2.3%
2024 · -€54,876
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€12,643-€11,934€1,672-€20,512-€1,599▲ 92.2%
Net result€12,677within the sector's middle half-€11,073below the sector's middle half€922within the sector's middle half-€15,761below the sector's middle half-€1,993within the sector's middle half▲ 87.4%
Equity-€14,270below the sector's middle half▲ 47.0%-€25,343below the sector's middle half▼ 77.6%-€24,420below the sector's middle half▲ 3.6%-€40,182below the sector's middle half▼ 64.5%-€42,175below the sector's middle half▼ 5.0%
Total assets€26,767below the sector's middle half▲ 478%€101,028below the sector's middle half▲ 277%€94,497below the sector's middle half▼ 6.5%€16,448below the sector's middle half▼ 82.6%€15,387below the sector's middle half▼ 6.4%
Debt€41,036▲ 30.0%€126,371▲ 208%€118,917▼ 5.9%€56,630▼ 52.4%€57,562▲ 1.6%
Working capital-€18,467within the sector's middle half▲ 12.5%€57,748within the sector's middle half€58,147within the sector's middle half▲ 0.7%-€54,876within the sector's middle half-€53,633within the sector's middle half▲ 2.3%
Solvency-53.3%below the sector's middle half-25.1%below the sector's middle half▲ 28.2pp-25.8%below the sector's middle half▼ 0.8pp-244.3%below the sector's middle half▼ 218.5pp-274.1%below the sector's middle half▼ 29.8pp
Current ratio0.55within the sector's middle half2.90above the sector's middle half▲ 2.353.54above the sector's middle half▲ 0.640.03below the sector's middle half▼ 3.510.07below the sector's middle half▲ 0.04
Return on assets (ROA)47.4%above the sector's middle half-11.0%below the sector's middle half▼ 58.3pp1.0%within the sector's middle half▲ 11.9pp-95.8%below the sector's middle half▼ 96.8pp-13.0%below the sector's middle half▲ 82.9pp
Staff (FTE)1=1=
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1,599 in 2025 against €20,512 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €15,387
Fixed assets
€11,458 ▼ 22.0%
Current assets
€3,930 ▲ 124%
Key figures and ratios
EBITDA
€1,638▲
2024 · -€17,639
Cash flow
€1,244▲
2024 · -€12,888
Debt to equity
-1.36▲
2024 · -1.41
Interest coverage
4.16▲
2024 · -29.20
Debt ≤ 1 year
€57,562▲
2024 · €56,630
Staff costs
€170▲
2024 · €163
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,010 companies that looked in July 2024 the way this one looks now, 7.9% went bankrupt within 24 months and 83% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a loss of 10% of the balance sheet or more
7.9%
went bankrupt
8.4%
stopped otherwise
83%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 1.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,010 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €25,801 | €1,116 | -€599 | €163 | €170 | ▲ 4.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2 | €1,788 | €2,077 | €2,873 | €3,237 | ▲ 12.7% |
| Other operating charges640/8 | €495 | €552 | €384 | €318 | €536 | ▲ 68.5% |
| Gross operating margin9900 | €38,941 | -€8,478 | €3,533 | -€17,158 | €2,343 | ▲ 114% |
| Operating profit (loss)9901 | €12,643 | -€11,934 | €1,672 | -€20,512 | -€1,599 | ▲ 92.2% |
| Financial income75/76B | €789 | €2,101 | €5 | €5,355 | €0 | ▼ 100% |
| Recurring financial income75 | €789 | €2,101 | €5 | €5,355 | €0 | ▼ 100% |
| Financial charges65/66B | €755 | €1,240 | €755 | €604 | €394 | ▼ 34.8% |
| Recurring financial charges65 | €755 | €1,240 | €755 | €604 | €394 | ▼ 34.8% |
| Profit (loss) for the period before taxes9903 | €12,677 | -€11,073 | €922 | -€15,761 | -€1,993 | ▲ 87.4% |
| Profit (loss) for the period9904 | €12,677 | -€11,073 | €922 | -€15,761 | -€1,993 | ▲ 87.4% |
| Profit (loss) for the period to be appropriated9905 | €12,677 | -€11,073 | €922 | -€15,761 | -€1,993 | ▲ 87.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €26,767 | €101,028 | €94,497 | €16,448 | €15,387 | ▼ 6.4% |
| Fixed assets21/28 | €4,198 | €12,909 | €13,433 | €14,695 | €11,458 | ▼ 22.0% |
| Tangible fixed assets22/27 | €4,198 | €12,909 | €13,433 | €14,695 | €11,458 | ▼ 22.0% |
| Plant, machinery and equipment23 | - | - | €2,413 | €5,565 | €4,218 | ▼ 24.2% |
| Furniture and vehicles24 | €4,198 | €3,358 | €2,518 | €1,678 | €838 | ▼ 50.1% |
| Other tangible fixed assets26 | - | €9,552 | €8,502 | €7,452 | €6,402 | ▼ 14.1% |
| Current assets29/58 | €22,569 | €88,119 | €81,064 | €1,753 | €3,930 | ▲ 124% |
| Stocks and contracts in progress3 | €15,000 | €55,895 | €56,500 | €0 | - | - |
| Stocks30/36 | €15,000 | €55,895 | €56,500 | €0 | - | - |
| Amounts receivable within one year40/41 | €2,672 | €5,491 | €19,453 | €74 | €0 | ▼ 100% |
| Trade receivables40 | €2,407 | €2,400 | €19,405 | €0 | - | - |
| Other amounts receivable41 | €266 | €3,091 | €48 | €74 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €3,404 | €25,297 | €3,636 | €191 | €3,930 | ▲ 1,954% |
| Deferred charges and accrued income490/1 | €1,493 | €1,436 | €1,475 | €1,488 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €26,767 | €101,028 | €94,497 | €16,448 | €15,387 | ▼ 6.4% |
| Equity10/15 | -€14,270 | -€25,343 | -€24,420 | -€40,182 | -€42,175 | ▼ 5.0% |
| Contributions10/11 | €7,200 | €7,200 | €7,200 | €7,200 | €7,200 | = |
| Profit (loss) carried forward14 | -€21,470 | -€32,543 | -€31,620 | -€47,382 | -€49,375 | ▼ 4.2% |
| Amounts payable17/49 | €41,036 | €126,371 | €118,917 | €56,630 | €57,562 | ▲ 1.6% |
| Amounts payable after more than one year17 | - | €96,000 | €96,000 | €0 | - | - |
| Financial debts170/4 | - | €96,000 | €96,000 | €0 | - | - |
| Amounts payable within one year42/48 | €41,036 | €30,371 | €22,917 | €56,630 | €57,562 | ▲ 1.6% |
| Trade debts44 | €16,231 | €7,117 | €2,763 | €1,755 | €186 | ▼ 89.4% |
| Suppliers440/4 | €16,231 | €7,117 | €2,763 | €1,755 | €186 | ▼ 89.4% |
| Advances received on contracts in progress46 | €2,100 | €0 | - | - | - | - |
| Taxes, remuneration and social security45 | €7,983 | €840 | €4,586 | €5,694 | €0 | ▼ 100% |
| Taxes450/3 | €430 | €81 | €1,763 | €0 | - | - |
| Remuneration and social security454/9 | €7,553 | €760 | €2,823 | €5,694 | €0 | ▼ 100% |
| Other amounts payable47/48 | €14,722 | €22,413 | €15,567 | €49,181 | €57,376 | ▲ 16.7% |
| Accrued charges and deferred income492/3 | €0 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12,677 | -€11,073 | €922 | -€15,761 | -€1,993 | ▲ 87.4% |
| + Depreciation and write-downs630 | €2 | €1,788 | €2,077 | €2,873 | €3,237 | ▲ 12.7% |
| Operating cash flow (approximation) | €12,680 | -€9,285 | €2,999 | -€12,888 | €1,244 | ▲ 110% |
| Investment in fixed assets (approximation) | - | -€10,500 | -€2,600 | -€4,135 | €0 | ▲ 100% |
| Change in cash | - | €21,893 | -€21,661 | -€3,445 | €3,738 | ▲ 209% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
31-12
Financial
Back to profitnet €922
Net result €922 after one loss-making year.
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Liquidity times 5current ratio 2.90
Current ratio from 0.55 to 2.90; short-term debt falls from €41,036 to €30,371.
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
31-12
Financial
Back to profitnet €12,677
Net result €12,677 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Antwerpen · 1 establishment unit since 2019
Ground area
1,218 m²
Building footprint
783 m²
Volume, LiDAR
22,192 m³
2 parcels, Flanders · tallest building 42.2 m, ±13 floors. Linked by address, not a title deed.
9
companies at this address
See who is registered here
1 establishment unit
GAVIA
since 20192.291.715.268
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1171/00A006 | Flanders | 660 m² | 1 · 256 m² | 25.9 m · 5 fl. |
| 11808H1207/00A006 | Flanders | 558 m² | 1 · 527 m² | 42.2 m · 13 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 11,755 companies in sector 68310 we hold annual accounts for 6,912. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded01-08-2019
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
Contact
E-mail
info@simon-gold.be
Phone
0484261428
E-invoicing
Reachable via Peppol
Peppol ID
0208:0731764139
Also
9925:BE0731764139
Registered
24-11-2023
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.