GIO BOUW
ActiveGIO BOUW has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €127k and a net result of €3k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 41% of 7330 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
76
/ 100
Excellent▼ -18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-29
Solvency68▼-31
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 2.73 in 2024), but 64.6% 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.
−lowers risk+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-10-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
3 d early
2023
on the day
2022
6 d early
2021
19 d early
2020
18 d early
2019
7 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€127k▼ 29.2%
2024 · €179k
2019: €63k
2021: €160k
2022: €158k
2023: €165k
2024: €179k
2019 → 2025
Total assets
€358k▲ 25.5%
2024 · €285k
2019: €143k
2021: €386k
2022: €348k
2023: €339k
2024: €285k
2019 → 2025
Net result
€3k▼ 78.6%
2024 · €15k
2019: €12k
2021: €56k
2022: €19k
2023: €6k
2024: €15k
2019 → 2025
Working capital
€112k▼ 32.1%
2024 · €165k
2019: €52k
2021: €146k
2022: €138k
2023: €145k
2024: €165k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€160k-€158k▼ 1.0%€165k▲ 3.8%€179k▲ 8.9%€127k▼ 29.2%
Operating result€85k-€32k▼ 62.4%€16k▼ 50.6%€28k▲ 78.2%€13k▼ 55.3%
Net result€56k-€19k▼ 65.4%€6k▼ 68.8%€15k▲ 141%€3k▼ 78.6%
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 2025; 2025 is 55% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €358k
Fixed assets
€43k▲ 77.2%
Current assets
€314k▲ 20.6%
Equity and liabilities €358k
Equity
€127k▼ 29.2%
Debt
€231k▲ 118%
The debt ratio rises from 37.2% to 64.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€33k▼
2024 · €49k
Cash flow
€23k▼
2024 · €36k
Solvency
35.4%▼
2024 · 62.8%
Current ratio
1.56▼
2024 · 2.73
Quick ratio
1.09▼
2024 · 1.78
Debt / equity
1.82▲
2024 · 0.59
ROE
2.5%▼
2024 · 8.1%
ROA
0.9%▼
2024 · 5.1%
Interest coverage
5.47▼
2024 · 14.43
Debt
€231k▲
2024 · €106k
Debt ≤ 1 year
€202k▲
2024 · €95k
Debt > 1 year
€29k▲
2024 · €10k
Income taxes
€4k▼
2024 · €10k
Staff costs
€287k▲
2024 · €245k
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€285k€358k▲
Fixed assets21/28€25k€43k▲
Tangible fixed assets22/27€24k€43k▲
Plant, machinery and equipment23€14k€10k▼
Furniture and vehicles24€11k€4k▼
Leasing and similar rights25€0€29k▲
Financial fixed assets28€25€25=
Current assets29/58€261k€314k▲
Stocks and contracts in progress3€91k€93k▲
Stocks30/36€91k€93k▲
Amounts receivable within one year40/41€120k€182k▲
Trade receivables40€81k€87k▲
Other amounts receivable41€39k€95k▲
Cash at bank and in hand54/58€37k€27k▼
Deferred charges and accrued income490/1€13k€11k▼
Equity and liabilities
Total equity and liabilities10/49€285k€358k▲
Equity10/15€179k€127k▼
Contributions10/11€25k€25k=
Reserves13€154k€102k▼
Distributable reserves133€154k€102k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€106k€231k▲
Amounts payable after more than one year17€10k€29k▲
Financial debts170/4€10k€29k▲
Amounts payable within one year42/48€95k€202k▲
Current portion of amounts payable after more than one year42€16k€15k▼
Trade debts44€51k€116k▲
Suppliers440/4€51k€116k▲
Advances received on contracts in progress46€10k€0▼
Taxes, remuneration and social security45€19k€16k▼
Taxes450/3€6k€4k▼
Remuneration and social security454/9€13k€13k▼
Other amounts payable47/48-€55k
Accrued charges and deferred income492/3€799€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€245k€287k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€20k▼
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A-€6k
Gross operating margin9900€298k€330k▲
Operating profit (loss)9901€28k€13k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€6k▲
Profit (loss) for the period before taxes9903€25k€7k▼
Income taxes67/77€10k€4k▼
Profit (loss) for the period9904€15k€3k▼
Profit (loss) for the period to be appropriated9905€15k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€3k▼
Transfer from equity791/2-€55k
Transfer to equity691/2€15k€3k▼
To other reserves6921€15k€3k▼
Profit to be distributed694/7-€55k
Return on contributions (dividend)694-€55k
The notes to these accounts (9 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
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €3k ▼78.6%
Net result drops to €3k, the lowest in the series.
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
12-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Highest result since 2019net €56k ▲352%
Operating result €85k, net result €56k, both a record.
31-03
Financial
Equity above €150kEq €160k ▲152%
2 profitable years in a row build equity to €160k.
2020
13-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
24-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
12-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
02-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
2016
24-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Kortemark · 1 establishment unit since 2007
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.
Amersveldestraat 1368610 KortemarkGround area
356 m²
Building footprint
163 m²
Volume, LiDAR
931 m³
Parcel 32005D0171/00C002, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GIO BOUW BVBA
since 20072.161.669.744
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32005D0171/00C002 | Flanders | 356 m² | 1 · 163 m² | 9.9 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.
Recognitions · licences · registrations
Dual-learning approval
4 live approvalsMedewerker ruwbouw (vwo)
Medewerker ruwbouw duaal (so)
Metselaar (vwo)
Ruwbouw duaal (so)
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ROZIC BOUWEN
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ALISON
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Of 29,551 companies in sector 41001 we hold annual accounts for 15,877. 12,764 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-04-2007
Fiscal year end31-03
Activities, NACEBEL
41001General construction of residential buildings
45211
43331Floor and wall tiling
43990Other specialised construction activities
43999Specialised construction activities
45250
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.