GIOVANNY CONSTRUCTION
ActiveThe computed 12-month bankruptcy probability of GIOVANNY CONSTRUCTION is 2.2% (moderate). The 2025 annual accounts show equity of €116k and a net result of €31k. Equity is growing by ~42.8% per year across the filed fiscal years. Its solvency ranks better than 54% of 7415 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-6
Solvency72▲+10
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 0.97 in 2024; short-term debt: 52.3% and cash: 68.9% of total assets), and 52.9% 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
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
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 · 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
47.1%
Return on assets
12.6%
Age of the figures
9 mo
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 17-07-2026, 14 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
14 d early
2024
22 d early
2023
14 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€116k▲ 36.6%
2024 · €85k
2023: €43k
2024: €85k
2023 → 2025
Total assets
€247k▲ 6.7%
2024 · €231k
2023: €202k
2024: €231k
2023 → 2025
Net result
€31k▼ 25.2%
2024 · €42k
2023: €38k
2024: €42k
2023 → 2025
Working capital
€51k
2024 · €-4k
2023: €-70k
2024: €-4k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€43k-€85k▲ 95.9%€116k▲ 36.6%
Operating result€47k-€54k▲ 15.2%€45k▼ 16.4%
Net result€38k-€42k▲ 8.4%€31k▼ 25.2%
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 16% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €247k
Fixed assets
€66k▼ 29.5%
Current assets
€180k▲ 31.7%
Equity and liabilities €247k
Equity
€116k▲ 36.6%
Debt
€130k▼ 10.7%
The debt ratio falls from 63.2% to 52.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€77k▼
2024 · €86k
Cash flow
€63k▼
2024 · €73k
Solvency
47.1%▲
2024 · 36.8%
Current ratio
1.40▲
2024 · 0.97
Quick ratio
1.40▲
2024 · 0.97
Debt / equity
1.12▼
2024 · 1.72
ROE
26.8%▼
2024 · 49.0%
ROA
12.6%▼
2024 · 18.0%
Interest coverage
11.90▼
2024 · 21.09
Debt
€130k▼
2024 · €146k
Debt ≤ 1 year
€129k▼
2024 · €140k
Debt > 1 year
€1k▼
2024 · €6k
Income taxes
€8k▼
2024 · €9k
Staff costs
€22k▼
2024 · €24k
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€231k€247k▲
Fixed assets21/28€94k€66k▼
Intangible fixed assets21€45k€38k▼
Tangible fixed assets22/27€49k€29k▼
Plant, machinery and equipment23€32k€17k▼
Furniture and vehicles24€18k€12k▼
Current assets29/58€137k€180k▲
Amounts receivable within one year40/41€4k€10k▲
Trade receivables40€2k€5k▲
Other amounts receivable41€2k€5k▲
Cash at bank and in hand54/58€132k€170k▲
Deferred charges and accrued income490/1€462€81▼
Equity and liabilities
Total equity and liabilities10/49€231k€247k▲
Equity10/15€85k€116k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€80k€111k▲
Amounts payable17/49€146k€130k▼
Amounts payable after more than one year17€6k€1k▼
Financial debts170/4€6k€1k▼
Amounts payable within one year42/48€140k€129k▼
Current portion of amounts payable after more than one year42€4k€4k▲
Trade debts44€659€8k▲
Suppliers440/4€659€8k▲
Advances received on contracts in progress46€2k€0▼
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€2k€2k▲
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€130k€115k▼
Income statement
Code20242025
Remuneration, social security and pensions62€24k€22k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€32k▲
Gross operating margin9900€110k€100k▼
Operating profit (loss)9901€54k€45k▼
Financial income75/76B€0€5▲
Recurring financial income75€0€5▲
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€50k€39k▼
Income taxes67/77€9k€8k▼
Profit (loss) for the period9904€42k€31k▼
Profit (loss) for the period to be appropriated9905€42k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€80k€111k▲
Profit (loss) brought forward from the previous period14P€38k€80k▲
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
2026
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €31k ▼25.2%
Net result drops to €31k, the lowest in the series.
31-12
Financial
Equity above €100kEq €116k ▲36.6%
3 profitable years in a row build equity to €116k.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €42k ▲8.4%
Operating result €54k, net result €42k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Walcourt · 1 establishment unit since 2023
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 de Nalinnes(Thy) 625651 WalcourtGround area
1,316 m²
Building footprint
109 m²
Parcel 93078D0016/00R000, Wallonia. Linked by address, not a title deed.
1 establishment unit
GIOVANNY CONSTRUCTION
since 20232.341.183.387
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93078D0016/00R000 | Wallonia | 1,316 m² | 1 · 109 m² | - |
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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ALB PROJECTS
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ENTREPRISES COULISSE
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,004 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2023
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:gdavella@hotmail.com