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GHAVERCHOC

Active
Private limited companyfounded 2018active for 8 yearsAllée Centrale(GER) 1, 6280 Gerpinnes, BelgiumKBO/BCE: BE 0688.765.425

From the official registers: KBO 8 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

GHAVERCHOC has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96,166 and a net result of -€35,612. Equity has been growing by about 17% per year since 2018. Its solvency ranks better than 62% of 9,829 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Overview

Official details

KBO
Status
Active since 23-01-2018 Normal situation
Activity
Wholesale trade NACE 46360
Establishment unit
2.275.109.066 6280 Gerpinnes, since 23-01-2018
Financial year end
31 December
Peppol
Reachable since 23-12-2025

Board and ownership

Board

Financial position

66 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.0%
Annual accounts 2025
Gross margin
-€21,225
Loss
€35,612
Equity
€96,166
▼ 27.0%
Total assets
€174,514
▼ 12.0%
Turnover not published (abbreviated or micro format)
Filed on 30-09-2026, 61 days after the deadlineat the National Bank
Score breakdownraises riskLast filed accounts filed 61 days late; 3 of the last 3 accounts late1 change of registered office in 24 monthsLoss of €35,612 (financial year 2025)lowers riskLiquidity: current ratio 2.10, cash €162,098Show the evidence

Checked score

Score 2025
66 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 41% of micro companies in wholesale trade (NACE 46)
Financial strength · tick: 2024
Average
Solvency 80-11
equity 55.1% of total assets
Liquidity 78-7
short-term debt 44.9% · cash 92.9%
Profitability 0-73
return on assets -20.4%
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,900 companies, NACE 46, micro)
Last 24 months 11-2024: 9.7%highest value 12-2024: 0.9%▼ -8.8 percentage points vs 11-2024 01-2025: 0.8%▼ -0.1 percentage points vs 12-2024 02-2025: 0.8%● unchanged vs 01-2025 03-2025: 0.8%● unchanged vs 02-2025 04-2025: 0.8%● unchanged vs 03-2025 05-2025: 0.9%▲ +0.1 percentage points vs 04-2025 06-2025: 0.9%● unchanged vs 05-2025 07-2025: 0.9%● unchanged vs 06-2025 08-2025: 1.4%▲ +0.5 percentage points vs 07-2025 09-2025: 1.7%▲ +0.3 percentage points vs 08-2025 10-2025: 0.7%▼ -1.0 percentage point vs 09-2025 11-2025: 0.7%● unchanged vs 10-2025 12-2025: 0.7%● unchanged vs 11-2025 01-2026: 0.7%● unchanged vs 12-2025 02-2026: 0.7%● unchanged vs 01-2026 03-2026: 0.5%▼ -0.2 percentage points vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.6%▲ +0.1 percentage points vs 04-2026 06-2026: 0.5%▼ -0.1 percentage points vs 05-2026lowest value 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 0.9%▲ +0.4 percentage points vs 07-2026 09-2026: 1.3%▲ +0.4 percentage points vs 08-2026 10-2026: 1.0%▼ -0.3 percentage points vs 09-2026
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.1 (2.82 in 2024), above the usual 1.5. Short-term debt is 44.9% and cash 92.9% of total assets. 44.9% of the assets are financed with debt and provisions.
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 (NACE 46, micro). It does better than 62% of them on solvency, 81% on liquidity, 6% on profitability and 16% on growth.

The bankruptcy probability was computed on 31-10-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
lowers risk · Liquidity: current ratio 2.10, cash €162,098
NBB · annual accounts
raises risk · Last filed accounts filed 61 days late; 3 of the last 3 accounts late
NBB · filings
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · Loss of €35,612 (financial year 2025)
NBB · annual accounts
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 8 filings
Deviation from the deadline
2025
61 days late
2024
56 days late
2023
96 days late
2022
98 days late
2021
51 days late
2020
6 days late
2019
87 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 65 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 September (4 of the last 5 accounts filed within 36 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower net result than 87% of companies in wholesale tradesector median €26,864 · 9,808 companies -€35,612 View

Comparable companies

These companies have the same main activity as GHAVERCHOC: wholesale trade (NACE 46360). They are comparable in size and age: total assets between €46,200 and €718,000, founded between 2007 and 2019.

CompanyTotal assetsGross margin
GHAVERCHOC Gerpinnes€174,514-€21,225
VANPARYS CONFISERIE Elsene€147,865-€1,383
Brand Masters Belgium Brussel€99,629-€857
BOUZKIK MANAGEMENT Courcelles€171,988-€9,494
RIANO - REDAM Grimbergen€229,690-€4,556
Gelukskoekje Tremelo€46,154-€343
EURO DISTRI SERVICE Ukkel€717,707-€329,555
Full comparison

Documents

Annual accounts at the NBB

All 8 annual accounts

Articles and registers

Key facts about GHAVERCHOC

What is the company number of GHAVERCHOC?
The company number of GHAVERCHOC is 0688.765.425. The VAT number is the same number with BE in front: BE 0688.765.425.
Where is GHAVERCHOC based?
The registered office is at Allée Centrale(GER) 1, 6280 Gerpinnes.Company details
What does GHAVERCHOC do?
According to the KBO register, the main activity is wholesale trade (NACE 46360).
What is the legal form of GHAVERCHOC?
The legal form of GHAVERCHOC is Private limited company (BV).
When was GHAVERCHOC founded?
GHAVERCHOC was founded on 23-01-2018.
Is GHAVERCHOC still active?
Yes, GHAVERCHOC is an active enterprise in the KBO register.
How many employees does GHAVERCHOC have?
GHAVERCHOC had an average of 1 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
What is the turnover of GHAVERCHOC?
The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it.
Is GHAVERCHOC profitable?
In financial year 2025, GHAVERCHOC made a loss of €35,612.
Where can I find the annual accounts of GHAVERCHOC?
GHAVERCHOC filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of GHAVERCHOC due?
GHAVERCHOC must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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