GHAVERCHOC
ActiveGHAVERCHOC has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €132k and a net result of €7k. Equity is growing by ~24.8% per year across the filed fiscal years. Its solvency ranks better than 71% of 15870 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
83
/ 100
Excellent▼ -17 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability25▼-70
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.82 against 3.83 in 2023), and 33.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-09-2025, 56 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
56 d late
2023
96 d late
2022
98 d late
2021
51 d late
2020
6 d late
2019
87 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€132k▼ 27.8%
2023 · €182k
2018: €34k
2019: €76k
2020: €34k
2021: €126k
2022: €148k
2023: €182k
2018 → 2024
Total assets
€198k▼ 18.1%
2023 · €242k
2018: €52k
2019: €163k
2020: €117k
2021: €325k
2022: €364k
2023: €242k
2018 → 2024
Net result
€7k▼ 81.3%
2023 · €35k
2018: €16k
2019: €42k
2020: €-42k
2021: €19k
2022: €22k
2023: €35k
2018 → 2024
Working capital
€121k▼ 28.2%
2023 · €169k
2018: €34k
2019: €71k
2020: €31k
2021: €117k
2022: €130k
2023: €169k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€34k-€126k▲ 267%€148k▲ 17.4%€182k▲ 23.6%€132k▼ 27.8%
Operating result€-32k-€19k€26k▲ 35.5%€39k▲ 49.2%€7k▼ 82.2%
Net result€-42k-€19k€22k▲ 17.5%€35k▲ 59.2%€7k▼ 81.3%
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 2024; 2024 is 82% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €198k
Fixed assets
€10k▼ 22.8%
Current assets
€188k▼ 17.8%
Equity and liabilities €198k
Equity
€132k▼ 27.8%
Debt
€67k▲ 11.5%
The debt ratio rises from 24.7% to 33.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€10k▼
2023 · €44k
Cash flow
€10k▼
2023 · €39k
Solvency
66.4%▼
2023 · 75.3%
Current ratio
2.82▼
2023 · 3.83
Quick ratio
2.82▼
2023 · 3.49
Debt / equity
0.51▲
2023 · 0.33
ROE
4.9%▼
2023 · 19.1%
ROA
3.3%▼
2023 · 14.4%
Interest coverage
20.17▲
2023 · 6.79
Debt
€67k▲
2023 · €60k
Debt ≤ 1 year
€67k▲
2023 · €60k
Staff costs
€34k▼
2023 · €77k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€242k€198k▼
Fixed assets21/28€14k€10k▼
Tangible fixed assets22/27€9k€6k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€885€455▼
Financial fixed assets28€5k€5k=
Current assets29/58€229k€188k▼
Stocks and contracts in progress3€20k-
Stocks30/36€20k-
Amounts receivable within one year40/41€41k€29k▼
Trade receivables40€36k-
Other amounts receivable41€5k€29k▲
Cash at bank and in hand54/58€168k€159k▼
Equity and liabilities
Total equity and liabilities10/49€242k€198k▼
Equity10/15€182k€132k▼
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€162k€111k▼
Amounts payable17/49€60k€67k▲
Amounts payable within one year42/48€60k€67k▲
Trade debts44€776€3k▲
Suppliers440/4€776€3k▲
Taxes, remuneration and social security45€29k€15k▼
Taxes450/3€6k€14k▲
Remuneration and social security454/9€22k€810▼
Other amounts payable47/48€30k€49k▲
Income statement
Code20232024
Remuneration, social security and pensions62€77k€34k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€435€572▲
Gross operating margin9900€121k€45k▼
Operating profit (loss)9901€39k€7k▼
Financial income75/76B€9k-
Recurring financial income75€9k-
Financial charges65/66B€6k€500▼
Recurring financial charges65€6k€500▼
Profit (loss) for the period before taxes9903€41k€7k▼
Income taxes67/77€7k-
Profit (loss) for the period9904€35k€7k▼
Profit (loss) for the period to be appropriated9905€35k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€162k€168k▲
Profit (loss) brought forward from the previous period14P€127k€162k▲
Profit to be distributed694/7-€57k
Return on contributions (dividend)694-€57k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
04-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 96 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 3.83
Current ratio from 1.60 to 3.83; short-term debt falls from €216k to €60k.
31-12
Financial
Equity above €150kEq €182k ▲23.6%
3 profitable years in a row build equity to €182k.
06-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 98 days late
2022
20-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 51 days late
2021
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
31-12
Financial
Equity above €100kEq €126k ▲267%
Equity rises from €34k to €126k.
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 days late
2020
31-12
Financial
Weakest financial yearnet €-42k ▼200%
Net result drops to €-42k, the lowest in the series; recovery starts the following year.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
31-12
Financial
Highest result since 2018net €42k ▲167%
Operating result €45k, net result €42k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Gerpinnes · 1 establishment unit since 2018
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.
Allée Centrale(GER) 16280 GerpinnesGround area
5,397 m²
Building footprint
342 m²
Volume, LiDAR
2,925 m³
Parcel 52025A0313/00L039, Wallonia · tallest building 21.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Allée Centrale(GER) 1, 6280 Gerpinnes
since 20182.275.109.066
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52025A0313/00L039 | Wallonia | 5,397 m² | 1 · 342 m² | 21.5 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.
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Of 450 companies in sector 46360 we hold annual accounts for 284. 196 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-2018
Fiscal year end31-12
Activities, NACEBEL
46360Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.