GERVO
ActiveGERVO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.09M and a net result of €185k. Equity is growing by ~20.9% per year across the filed fiscal years. Its solvency ranks better than 93% of 3161 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▲+37
Solvency100▲+18
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200k at 30 days acceptable
Liquidity ample (current ratio 4.97 against 1.21 in 2024), and 2.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
97.4%
Return on assets
8.6%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-01-2026, 22 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
22 d early
2024
25 d early
2023
56 d early
2022
71 d early
2021
10 d early
2020
40 d early
2019
36 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€185k▲ 570%
2024 · €28k
2019: €41k
2020: €495k
2021: €380k
2022: €330k
2023: €353k
2024: €28k
2019 → 2025
Working capital
€218k▲ 580%
2024 · €32k
2019: €-276k
2020: €-30k
2021: €117k
2022: €-78k
2023: €145k
2024: €32k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.19M-€1.52M▲ 28.3%€1.88M▲ 23.2%€1.90M▲ 1.5%€2.09M▲ 9.7%
Operating result€33k-€46k▲ 40.6%€45k▼ 2.1%€35k▼ 22.4%€25k▼ 30.5%
Net result€380k-€330k▼ 13.2%€353k▲ 7.1%€28k▼ 92.2%€185k▲ 570%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 30% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.14M
Fixed assets
€1.87M=
Current assets
€273k▲ 47.1%
Equity and liabilities €2.14M
Equity
€2.09M▲ 9.7%
Debt
€55k▼ 64.2%
The debt ratio falls from 7.5% to 2.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€25k▼
2024 · €35k
Cash flow
€186k▲
2024 · €28k
Solvency
97.4%▲
2024 · 92.5%
Current ratio
4.97▲
2024 · 1.21
Quick ratio
4.97▲
2024 · 1.21
Debt / equity
0.03▼
2024 · 0.08
ROE
8.9%▲
2024 · 1.5%
ROA
8.6%▲
2024 · 1.3%
Interest coverage
102.69▼
2024 · 168.39
Debt
€55k▼
2024 · €153k
Debt ≤ 1 year
€55k▼
2024 · €153k
Income taxes
€24k▲
2024 · €7k
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€2.06M€2.14M▲
Fixed assets21/28€1.87M€1.87M=
Tangible fixed assets22/27€1k€753▼
Furniture and vehicles24€1k€753▼
Financial fixed assets28€1.87M€1.87M=
Current assets29/58€185k€273k▲
Amounts receivable within one year40/41€145k€168k▲
Trade receivables40-€36k
Other amounts receivable41€145k€132k▼
Cash at bank and in hand54/58€25k€103k▲
Deferred charges and accrued income490/1€16k€954▼
Equity and liabilities
Total equity and liabilities10/49€2.06M€2.14M▲
Equity10/15€1.90M€2.09M▲
Contributions10/11€19k€19k=
Reserves13€1.86M€2.04M▲
Distributable reserves133€1.86M€2.04M▲
Profit (loss) carried forward14€28k€28k=
Amounts payable17/49€153k€55k▼
Amounts payable within one year42/48€153k€55k▼
Current portion of amounts payable after more than one year42€146k-
Trade debts44€701€24k▲
Suppliers440/4€701€24k▲
Taxes, remuneration and social security45€6k€31k▲
Taxes450/3€6k€31k▲
Income statement
Code20242025
Non-recurring operating income76A-€7k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€120€291▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€37k€26k▼
Operating profit (loss)9901€35k€25k▼
Financial income75/76B-€185k
Recurring financial income75-€185k
Financial charges65/66B€210€242▲
Recurring financial charges65€210€242▲
Profit (loss) for the period before taxes9903€35k€209k▲
Income taxes67/77€7k€24k▲
Profit (loss) for the period9904€28k€185k▲
Profit (loss) for the period to be appropriated9905€28k€185k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€213k▲
Profit (loss) brought forward from the previous period14P-€28k
Transfer to equity691/2-€185k
To other reserves6921-€185k
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
09-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Liquidity quadruplescurrent ratio 4.97
Current ratio from 1.21 to 4.97; short-term debt falls from €153k to €55k.
30-06
Financial
Equity above €2MEq €2.09M ▲9.7%
7 profitable years in a row build equity to €2.09M.
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-06
Financial
Weakest financial yearnet €28k ▼92.2%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
2023
06-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
30-06
Financial
Liquidity doublescurrent ratio 1.59
Current ratio from 0.68 to 1.59.
2022
21-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
21-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
Financial
Equity above €1MEq €1.19M ▲47.1%
3 profitable years in a row build equity to €1.19M.
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
30-06
Financial
Highest result since 2019net €495k ▲1107%
Net result €495k, the highest in the series.
30-06
Financial
Equity above €500kEq €807k ▲159%
2 profitable years in a row build equity to €807k.
2019
26-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
04-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Elsene · 1 establishment unit since 2017
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.
Edelknaapstraat 511050 ElseneGround area
776 m²
Building footprint
578 m²
Volume, LiDAR
4,431 m³
Parcel 21447B0296/00L011, Brussels · tallest building 15.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GERVO
since 20172.265.653.645
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0296/00L011 | Brussels | 776 m² | 1 · 578 m² | 15.5 m · 3 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.
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EDOUARD JACMIN CONSULTANT
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Of 82,201 companies in sector 70200 we hold annual accounts for 52,400. 19,591 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-05-2017
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.