Debts
€503,000 98% of the balance sheet
After one year 99%Within one year 1%
Of this, €3,000 falls due within a year.
GEST
Overview
Lifetime
1 annual account with figurespeak -€2,864 (2025)
-€2,864
lowest -€3,462 (2025)
-€3,462
peak €8,538 (2025)
€8,538
€503,000
Board2 names since 2025
2 directorsVAN BOUWEL Gert Louis Piet and 1 other
Documentsfilings and deeds
29-07-20262 days before the deadline
2025abbreviated format
Loss of €3,462Incorporation 08-041 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsAt the same address
15 companies
Turnover not published (abbreviated format)
Checked score
66
Healthy
Financially stronger than 27% of micro companies without a NACE code
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
05-2026: 2.4%
06-2026: 2.5%▲ +0.1 percentage points vs 05-2026
07-2026: 2.9%▲ +0.4 percentage points vs 06-2026highest value
08-2026: 0.8%▼ -2.1 percentage points vs 07-2026lowest value
09-2026: 0.8%● unchanged vs 08-2026
10-2026: 0.8%● unchanged vs 09-2026
11-2026: 0.8%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 3.85, cash €673
Founded in 2025
lowers risk
Size: total assets €511,538
No main activity registered
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 17% of them on solvency, 39% on liquidity and 26% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.85, above the usual 1.5. Short-term debt is 0.6% and cash 0.1% of total assets. However, 98.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 29-07-2026, 2 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
2 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- VAN BOUWEL Gert Louis Piet 60 sharesdeed of 08-04-2025
- VAN BOUWEL Stijn Bob Gert 60 sharesdeed of 08-04-2025
Shares in 1 company, VAN BOUWEL, VERKOOP EN SERVICE
Board & ownershipRecent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1021962702
Incorporation
Founders: VAN BOUWEL Gert Louis Piet and VAN BOUWEL Stijn Bob Gert · 120 shares · Appointments: VAN BOUWEL Gert Louis Piet (director) and VAN BOUWEL Stijn Bob Gert (director) · published on 08-04-2025 · Gazette deed
First establishment
Energielaan 2-4, Kapellen
Official details
Source: KBO- Status
- Active since 04-04-2025Normal situation
- Activity
- “Het aanleggen,het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle verrichtingen met betrekking…” (deed in Dutch)From the articles, 12 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.373.083.9172950 Kapellen, since 04-04-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 05-05-2025
Annual accounts 2025
- -€2,864
- €3,462
- €8,538
- €511,538
- Filing
- Filed on 29-07-2026, 2 days before the end of the filing period
Insights on GEST
GEST has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8,538 and a net result of -€3,462.
The computed 12-month bankruptcy probability is 0.8% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
abbreviated format, filed on 29-07-2026, 2 days before the deadline-€2,864
-€3,413
-€3,462
€8,538
1.7%
3.85
Turnover and EBIT margin are not published. The abbreviated format does not require them.
Balance sheet
balance sheet total €511,538 on 31-12-2025What the company ownsHow it is paid for
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
511,538 | |
21/28 |
500,000 | |
28 |
500,000 | |
29/58 |
11,538 | |
40/41 |
10,864 | |
40 |
445 | |
41 |
10,419 | |
54/58 |
673 | |
| Balance sheet: equity and liabilities | ||
10/49 |
511,538 | |
10/15 |
8,538 | |
10/11 |
12,000 | |
14 |
-3,462 | |
17/49 |
503,000 | |
17 |
500,000 | |
170/4 |
500,000 | |
42/48 |
3,000 | |
47/48 |
3,000 | |
| Income statement | ||
9900 |
-2,864 | |
640/8 |
550 | |
9901 |
-3,413 | |
75/76B |
0 | |
75 |
0 | |
65/66B |
49 | |
65 |
49 | |
9903 |
-3,462 | |
9904 |
-3,462 | |
9905 |
-3,462 | |
| Appropriation of the result | ||
9906 |
-3,462 | |
| Document | ||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 29-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 29-07-2026 | 2026-00374055 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 500,000 | ||
| 8,538 | ||
| 1.7% | ||
| 3.85 | ||
| 58.92 | ||
| -40.6% | ||
| -0.7% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Financial fixed assets | €500,000 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on GEST
Debt's share of the balance-sheet total is 98.3%.
Board & ownership
Board
2 directors, since incorporationDirector (not named in the articles)
since 04-04-2025
term without a fixed end
listed in the 2025 annual accounts, filed on 29-07-2026
Director (not named in the articles)
since 04-04-2025
term without a fixed end
listed in the 2025 annual accounts, filed on 29-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 08-04-2025
Mandates through the years
2 names, the dashed line is todayVAN BOUWEL Gert Louis Piet
Director (not named in the articles)
Director (not named in the articles)
VAN BOUWEL Stijn Bob Gert
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- VAN BOUWEL Gert Louis Piet
- Director (not named in the articles), from 04-04-2025 to date
- VAN BOUWEL Stijn Bob Gert
- Director (not named in the articles), from 04-04-2025 to date
Control
This company
GEST
Equity €8,538
Loss €3,462 in 2025
Capital
- Contribution
- €12,000
- Shares
- 120
- Contribution per share
- €100
- Equity per share
- €71.15 in 2025
- Source
- 2025 annual accounts
Articles of association
deed of 08-04-2025 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Monday of June at 11:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 08-04-2025 ↗
- VAN BOUWEL Gert Louis Piet 60 shares (50%) · €6,000
- VAN BOUWEL Stijn Bob Gert 60 shares (50%) · €6,000
Network & group
Holdings
own 2025 accountsThis companyGEST1 holding, 1 country
2025 accounts
Belgium 1 Equity Result
- BE Van Bouwel Verkoop en Service €626,213 result -€57,783
Source: list of holdings in its own 2025 accounts. Every holding stands with its own latest accounts.
At the same address
Energielaan 24, 2950 Kapellen · 15 other companies| STENABO
registered office since 05-01-1996 · founded in 1995 |
30 FTE (2025) 0456.769.931 |
| JORIS ANTWERPEN
registered office since 11-10-1988 · founded in 1988 |
5.1 FTE (2025) 0435.406.076 |
| VAN DYCK GERT
registered office since 12-07-2000 · founded in 1988 |
2.3 FTE (2025) 0435.519.112 |
| ATELIER DT
registered office since 21-06-2017 · founded in 2017 |
5.5 FTE (2025) 0677.414.940 |
| Dierckx Jef en Zonen
establishment since 01-10-1983 · founded in 1983 |
3.5 FTE (2025) 0424.520.401 |
| Joris Service Center
registered office since 12-03-1996 · founded in 1995 |
1 FTE (2025) 0455.282.861 |
| Urban Landscape
registered office since 15-10-1977 · founded in 1977 |
1 FTE (2025) 0417.558.670 |
| DP Car Detailing
registered office since 07-07-2014 · founded in 2014 |
total assets €1.1m (2025) 0555.770.309 |
| JOCHAN
registered office since 23-09-2002 · founded in 2002 |
1 FTE (2025) 0478.288.093 |
| FILPRO
establishment since 15-02-2016 · founded in 2013 |
total assets €628,912 (2025) 0527.924.280 |
Holdings and subsidiaries
1 holdingHoldings 1
Share, source and own figures per holding (1)
- VAN BOUWEL, VERKOOP EN SERVICEsubsidiaryEquity €626,213 Loss of €57,783 in 2025 (profit of €247,360 in 2024) Checked score 67Sourceown accounts 2025100%
Connections & network
2 current directorsThe network starts from the directors of GEST. Every other company they run is a node.
This company
Company
Director
Shareholding
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Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBabbreviated format · 2 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1021962702
IncorporationFounders: VAN BOUWEL Gert Louis Piet and VAN BOUWEL Stijn Bob Gert · 120 shares · Appointments: VAN BOUWEL Gert Louis Piet (director) and VAN BOUWEL Stijn Bob Gert (director) · published on 08-04-20257 points ▸
- Registered office clause, Energielaan 2-4, 2950 Kapellen
- Director appointment, VAN BOUWEL Gert Louis Piet (director (not named in the articles))
- Director appointment, VAN BOUWEL Stijn Bob Gert (director (not named in the articles))
- Power of attorney, Jan-Baptist De Smedt
- Founder, VAN BOUWEL Gert Louis Piet
- Founder, VAN BOUWEL Stijn Bob Gert
- 120 shares, mentioned twice in the deed
- The deed holds 3 more points.
First establishment Energielaan 2-4, Kapellen
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1021.962.702
- VAT number
- BE 1021.962.702
- Peppol ID
- 0208:1021962702
- Other Peppol ID
- 9925:BE1021962702
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 04-04-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Monday of June at 11:00deed of 08-04-2025 (in Dutch)
- Peppol
- Reachable since 05-05-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- GEST in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 08-04-2025 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 08-04-2025 (in Dutch)
Activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het aanleggen,het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle verrichtingen met betrekking tot onroerende goederen…”deed of 08-04-2025 (in Dutch)
12 activities
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten zoals de huurfinanciering van onroerende goederen aan derden,het aankopen,verkopen,ruilen,bouwen,verbouwen,onderhouden,verhuren,huren,verkavelen,prospecteren en uitbaten van onroerende goederen,de aan- en verkoop,huur en verhuur van roerende goederen,alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de roerende en onroerende goederen te bevorderen,alsmede zich borg te stellen voor het goede verloop van verbintenissen door derde personen aangegaan die het genot zouden hebben van deze roerende en onroerende goederen
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een roerend patrimonium,alle verrichtingen met betrekking tot roerende goederen en rechten,van welke aard ook,zoals het verwerven door inschrijving of aankoop en het beheren van aandelen,obligaties,kasbons of andere roerende waarden,van welke vorm ook,van Belgische of buitenlandse,bestaande of nog op te richten rechtspersonen en ondernemingen
- Het voeren van de directie,bestuur,leiding en management over andere vennootschappen,bedrijven,ondernemingen en verenigingen
- Het verstrekken van managementdiensten
- Het voeren van administratie
- Het verlenen van diensten en adviezen aan derden
- Zij heeft in het algemeen de volle rechtsbekwaamheid om alle handelingen en verrichtingen te voltrekken die een rechtstreeks of onrechtstreeks verband houden met haar voorwerp of welke van die aard zouden zijn dat zij de verwezenlijking van dit voorwerp,rechtstreeks of onrechtstreeks,geheel of ten dele vergemakkelijken
- Zij kan belangen nemen door associatie,inbreng,fusie,financiële tussenkomst of op gelijk welke andere wijze,in alle vennootschappen,verenigingen of ondernemingen met een identiek,gelijklopend of samenhangend voorwerp met het hare,of die van aard kunnen zijn de ontwikkeling van haar onderneming te begunstigen of een bron van afzetten te vormen
- Zij kan de functies van bestuurder of vereffenaar uitoefenen in andere vennootschappen
- De vennootschap mag zich borgstellen of zakelijke zekerheden verlenen ten voordele van vennootschappen of particulieren,in de meest ruime zin
- In het geval de verrichting van bepaalde handelingen zou onderworpen zijn aan voorafgaande voorwaarden inzake toegang tot het beroep,zal de vennootschap haar optreden,wat betreft de verrichting van deze handelingen,aan de vervulling van deze voorwaarden ondergeschikt maken
- Het beheer van een eigen roerend en onroerend vermogen
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Energielaan 2-4 registered office 2950 Kapellen 64210 Activities of holding companies | 04-04-2025 | 2.373.083.917 |
Buildings and parcels at the address
- Ground area
- 6,481 m²
- Buildings
- 2,194 m²
- Volume, LiDAR
- 14,973 m³
- Tallest building
- 9.2 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 11023K0007/00D027 | 6,481 m² | 1 · 2,194 m² | 9.2 m · 3 |