GDV BOUW
ActiveGDV BOUW has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €467k and a net result of €54k. Equity is growing by ~12.9% per year across the filed fiscal years. Its solvency ranks better than 83% of 7431 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-4
Solvency100▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 4.62 against 3.24 in 2024; short-term debt: 15.9% and cash: 67.8% of total assets), and 24.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
75.3%
Return on assets
8.8%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
42 d early
2023
43 d early
2022
40 d early
2021
45 d early
2020
52 d early
2019
39 d early
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€467k▲ 12.7%
2024 · €415k
2018: €202k
2019: €227k
2020: €231k
2021: €266k
2022: €300k
2023: €340k
2024: €415k
2018 → 2025
Total assets
€620k▲ 2.1%
2024 · €607k
2018: €318k
2019: €391k
2020: €361k
2021: €389k
2022: €427k
2023: €450k
2024: €607k
2018 → 2025
Net result
€54k▼ 28.6%
2024 · €76k
2018: €16k
2019: €26k
2020: €19k
2021: €36k
2022: €36k
2023: €42k
2024: €76k
2018 → 2025
Working capital
€357k▲ 32.0%
2024 · €271k
2018: €138k
2019: €170k
2020: €138k
2021: €196k
2022: €198k
2023: €251k
2024: €271k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€266k-€300k▲ 13.0%€340k▲ 13.3%€415k▲ 21.9%€467k▲ 12.7%
Operating result€50k-€54k▲ 9.5%€53k▼ 1.9%€87k▲ 62.4%€78k▼ 9.3%
Net result€36k-€36k▲ 1.1%€42k▲ 15.1%€76k▲ 83.2%€54k▼ 28.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €620k
Fixed assets
€165k▼ 23.7%
Current assets
€456k▲ 16.4%
Equity and liabilities €620k
Equity
€467k▲ 12.7%
Debt
€153k▼ 20.6%
The debt ratio falls from 31.7% to 24.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€140k▲
2024 · €122k
Cash flow
€116k▲
2024 · €111k
Solvency
75.3%▲
2024 · 68.3%
Current ratio
4.62▲
2024 · 3.24
Quick ratio
4.62▲
2024 · 3.24
Debt / equity
0.33▼
2024 · 0.46
ROE
11.6%▼
2024 · 18.4%
ROA
8.8%▼
2024 · 12.5%
Interest coverage
41.49▼
2024 · 121.67
Debt
€153k▼
2024 · €193k
Debt ≤ 1 year
€99k▼
2024 · €121k
Debt > 1 year
€54k▼
2024 · €72k
Income taxes
€21k▲
2024 · €12k
Staff costs
€181k▼
2024 · €189k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€607k€620k▲
Fixed assets21/28€216k€165k▼
Tangible fixed assets22/27€216k€165k▼
Plant, machinery and equipment23€43k€32k▼
Furniture and vehicles24€173k€132k▼
Current assets29/58€391k€456k▲
Amounts receivable after more than one year29€405€540▲
Other amounts receivable291€405€540▲
Amounts receivable within one year40/41€25k€8k▼
Trade receivables40€22k-
Other amounts receivable41€3k€8k▲
Current investments50/53€7k€7k▲
Cash at bank and in hand54/58€354k€420k▲
Deferred charges and accrued income490/1€5k€20k▲
Equity and liabilities
Total equity and liabilities10/49€607k€620k▲
Equity10/15€415k€467k▲
Contributions10/11€19k€19k=
Reserves13€396k€449k▲
Tax-exempt reserves132€31k€25k▼
Distributable reserves133€365k€424k▲
Amounts payable17/49€193k€153k▼
Amounts payable after more than one year17€72k€54k▼
Financial debts170/4€72k€54k▼
Amounts payable within one year42/48€121k€99k▼
Current portion of amounts payable after more than one year42€17k€17k▲
Trade debts44€13k€4k▼
Suppliers440/4€13k€4k▼
Taxes, remuneration and social security45€23k€17k▼
Taxes450/3€16k€14k▼
Remuneration and social security454/9€7k€4k▼
Other amounts payable47/48€68k€59k▼
Income statement
Code20242025
Non-recurring operating income76A€32k-
Remuneration, social security and pensions62€189k€181k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€61k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€312k€323k▲
Operating profit (loss)9901€87k€78k▼
Financial income75/76B€3k€41▼
Recurring financial income75€3k€41▼
Financial charges65/66B€999€3k▲
Recurring financial charges65€999€3k▲
Profit (loss) for the period before taxes9903€89k€75k▼
Income taxes67/77€12k€21k▲
Profit (loss) for the period9904€76k€54k▼
Transfer from tax-exempt reserves789-€6k
Transfer to tax-exempt reserves689€31k-
Profit (loss) for the period to be appropriated9905€45k€61k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€61k▲
Transfer to equity691/2€43k€59k▲
To other reserves6921€43k€59k▲
Profit to be distributed694/7€2k€2k▲
Return on contributions (dividend)694€2k€2k▲
The notes to these accounts (6 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €76k ▲83.2%
Operating result €87k, net result €76k, both a record.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Puurs-Sint-Amands · 1 establishment unit since 2009
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.
Pullaarsteenweg 1572870 Puurs-Sint-AmandsGround area
2,046 m²
Building footprint
188 m²
Volume, LiDAR
993 m³
Parcel 12032C0315/00E000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GDV BOUW
since 20092.177.947.334
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12032C0315/00E000 | Flanders | 2,046 m² | 1 · 188 m² | 8.6 m · 2 fl. |
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
2022 to 2025 · 6 entries · 35,490 EUR awarded · 35,490 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 9,798 EUR | 9,798 EUR |
| 2024 | 2 | 9,080 EUR | 9,080 EUR |
| 2023 | 1 | 8,840 EUR | 8,840 EUR |
| 2022 | 1 | 7,772 EUR | 7,772 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,452 companies in sector 41003 we hold annual accounts for 1,055. 624 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-04-2009
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
43331Floor and wall tiling
81100Combined facilities support activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.