Financials
- Fiscal year
- 2025
- Total assets
- €100,844
- Profit
- €71,522
- Solvency
- 18.4%
Total assets▲ 64.6%
Net result
20182025
Giovia
ActiveSummary
Giovia has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18,600 and a net result of €71,522. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 20% of 18866 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Overview
Activity
Computer programming
NACE 62100NACE 62010
1 site
Size
€100,844total assets 2025
- Equity
- €18,600
- Profit
- €71,522
Turnover not published (abridged schema)
Structure
Accounts 169 d early0 of 3 deeds read
Why 93- Equity €18,600 (18.4% of total assets)+ Sector Computer programming, consultancy and related activities (NACE 62)+ Size: total assets €100,844+ Liquidity: current ratio 1.20, cash €67,261Show the evidence
Checked score
Score 2025
93
/ 100
Excellent
Probability in this band: under 0.55%
Better than 45% of its sector peers (NACE 62, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
43-12
equity 18.4% of total assets
Liquidity
55-8
short-term debt 81.6% · cash 66.7%
Profitability
100=
return on assets 70.9%
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 5 months
06-2026: < 0.1%highest value
07-2026: < 0.1%● 0.0% vs 06-2026highest value
08-2026: < 0.1%● 0.0% vs 07-2026highest value
09-2026: < 0.1%● 0.0% vs 08-2026highest value
10-2026: < 0.1%● 0.0% vs 09-2026highest value
- Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
- Size: total assets €100,844 lowers the probability for this profile
- Liquidity: current ratio 1.20, cash €67,261 lowers the probability
- Equity €18,600 (18.4% of total assets) raises the probability
Credit up to €1,500 at 30 days acceptable
Liquidity tight (current ratio 1.2 against 1.35 in 2024; short-term debt: 81.6% and cash: 66.7% of total assets), and 81.6% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 21%, liquidity 37%, profitability 83%, growth against the median 41%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 18866 sector peers (2025).
NBB · sector comparisonPosition among 18866 sector peers
Solvency
better than 20%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €18,600
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 12-02-2026, 169 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
169 d early
2024
128 d early
2023
152 d early
2022
22 d late
2021
145 d early
2020
87 d early
2019
98 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 108 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 8 March (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Highest result since 2018net €71,522 ▲58.3%
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 15
- Since
- 2017
- Next accounts
- by 31-07-2027
- 12-02-2026Annual accounts filed
- 31-12-2025Highest result since 2018
- 25-03-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Computer programmingNACE 62100
- Founded
- 10-08-2015
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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