GERVOIS
ActiveGERVOIS has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40k and a net result of €9k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 38% of 542 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+7
Solvency55▲+5
Growth62▲+17
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 1.44 in 2024; short-term debt: 57.2% and cash: 50.3% of total assets), and 69.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
30.1%
Return on assets
6.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
7 d early
2023
139 d late
2022
4 d late
2021
9 d late
2020
13 d late
2019
9 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€183k▲ 1.5%
2021 · €180k
2018: €120k
2019: €137k
2020: €111k
2021: €180k
2018 → 2022
EBIT margin
1.2%▼ 1.4pp
2021 · 2.6%
2018: 6.4%
2019: 3.8%
2020: 15.5%
2021: 2.6%
2018 → 2022
Net result
€9k▲ 889%
2024 · €897
2018: €4k
2019: €4k
2020: €12k
2021: €2k
2022: €869
2023: €6k
2024: €897
2018 → 2025
Working capital
€4k▼ 83.0%
2024 · €22k
2018: €54k
2019: €5k
2020: €15k
2021: €16k
2022: €18k
2023: €11k
2024: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€180k-€183k▲ 1.5%
Equity€24k-€25k▲ 3.6%€31k▲ 23.5%€31k▲ 2.9%€40k▲ 28.2%
Operating result€5k-€2k▼ 51.8%€8k▲ 269%€6k▼ 33.7%€15k▲ 174%
Net result€2k-€869▼ 62.5%€6k▲ 568%€897▼ 84.6%€9k▲ 889%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 174% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €134k
Fixed assets
€53k▼ 0.2%
Current assets
€80k▲ 10.1%
Equity and liabilities €134k
Equity
€40k▲ 28.2%
Debt
€94k▼ 1.7%
The debt ratio falls from 75.2% to 69.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€55k▲
2024 · €40k
Cash flow
€48k▲
2024 · €35k
Solvency
30.1%▲
2024 · 24.8%
Current ratio
1.05▼
2024 · 1.44
Quick ratio
1.05▼
2024 · 1.44
Debt / equity
2.32▼
2024 · 3.02
ROE
22.0%▲
2024 · 2.9%
ROA
6.6%▲
2024 · 0.7%
Interest coverage
15.75▼
2024 · 17.22
Debt
€94k▼
2024 · €95k
Debt ≤ 1 year
€77k▲
2024 · €51k
Debt > 1 year
€17k▼
2024 · €36k
Income taxes
€3k▲
2024 · €2k
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€127k€134k▲
Fixed assets21/28€54k€53k▼
Tangible fixed assets22/27€54k€53k▼
Plant, machinery and equipment23-€9k
Furniture and vehicles24€54k€45k▼
Current assets29/58€73k€80k▲
Amounts receivable within one year40/41€9k€10k▲
Trade receivables40€9k€5k▼
Other amounts receivable41-€4k
Cash at bank and in hand54/58€62k€67k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€127k€134k▲
Equity10/15€31k€40k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133-€2k
Profit (loss) carried forward14€23k€32k▲
Amounts payable17/49€95k€94k▼
Amounts payable after more than one year17€36k€17k▼
Financial debts170/4€36k€17k▼
Amounts payable within one year42/48€51k€77k▲
Current portion of amounts payable after more than one year42-€11k
Trade debts44€24k€35k▲
Suppliers440/4€24k€35k▲
Advances received on contracts in progress46-€4k
Taxes, remuneration and social security45€7k€7k▲
Taxes450/3€3k€3k▲
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€20k€19k▼
Accrued charges and deferred income492/3€8k-
Income statement
Code20242025
Remuneration, social security and pensions62€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€40k▲
Other operating charges640/8€1k€502▼
Gross operating margin9900€45k€55k▲
Operating profit (loss)9901€6k€15k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€3k€12k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€897€9k▲
Profit (loss) for the period to be appropriated9905€897€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€32k▲
Profit (loss) brought forward from the previous period14P€22k€23k▲
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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 139 days late
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
31-12
Financial
Weakest financial yearnet €869 ▼62.5%
Net result drops to €869, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
31-12
Financial
Highest result since 2018net €12k ▲230%
Operating result €17k, net result €12k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
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, Binche · 1 establishment unit since 2006
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.
Rue Joseph Stiernon(LEV) 2/327134 BincheGround area
242 m²
Building footprint
55 m²
Volume, LiDAR
486 m³
Parcel 56063A0031/00Z000, Wallonia · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Gervois Menuiserie
since 20062.157.530.715
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56063A0031/00Z000 | Wallonia | 242 m² | 1 · 55 m² | 10.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
ELEKTRO CJ
BE 0506.669.602
Kalmthout · Eq €40k
CUISINES ET BOIS
BE 0719.439.003
Stoumont · Eq €41k
WALBRECQ ET CIE
BE 0466.180.614
Mettet · Eq €41k
Tales of Timber
BE 1005.855.950
Mol · Eq €39k
T-DESIGN
BE 0829.859.744
Knokke-Heist · Eq €41k
Of 1,599 companies in sector 16230 we hold annual accounts for 783. 543 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-10-2006
Fiscal year end31-12
Activities, NACEBEL
16230Manufacture of other builders' carpentry and joinery
20300
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.