GIP CONSTRUCT
ActiveGIP CONSTRUCT has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €414k and a net result of €26k. Equity is growing by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 90% of 2149 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
83
/ 100
Excellent▼ -17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▼-69
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 5.86 against 8.57 in 2024), and 16.5% 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 · 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
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
83.5%
Return on assets
5.2%
Age of the figures
8 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 11-07-2026, 20 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
20 d early
2024
19 d early
2023
5 d early
2022
31 d late
2021
61 d late
2020
142 d late
2019
69 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€414k▼ 5.8%
2024 · €439k
2018: €119k
2019: €147k
2020: €198k
2021: €238k
2022: €219k
2023: €298k
2024: €439k
2018 → 2025
Total assets
€495k▲ 0.4%
2024 · €493k
2018: €280k
2019: €231k
2020: €328k
2021: €286k
2022: €398k
2023: €458k
2024: €493k
2018 → 2025
Net result
€26k▼ 83.2%
2024 · €154k
2018: €24k
2019: €28k
2020: €51k
2021: €39k
2022: €66k
2023: €102k
2024: €154k
2018 → 2025
Working capital
€394k▼ 3.6%
2024 · €409k
2018: €106k
2019: €135k
2020: €186k
2021: €229k
2022: €185k
2023: €262k
2024: €409k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€238k-€219k▼ 7.9%€298k▲ 36.0%€439k▲ 47.6%€414k▼ 5.8%
Operating result€51k-€94k▲ 86.0%€148k▲ 56.8%€219k▲ 47.8%€32k▼ 85.2%
Net result€39k-€66k▲ 68.3%€102k▲ 54.9%€154k▲ 50.0%€26k▼ 83.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 85% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €495k
Fixed assets
€21k▼ 33.0%
Current assets
€475k▲ 2.6%
Equity and liabilities €495k
Equity
€414k▼ 5.8%
Debt
€82k▲ 50.6%
The debt ratio rises from 11.0% to 16.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€41k▼
2024 · €228k
Cash flow
€34k▼
2024 · €162k
Solvency
83.5%▼
2024 · 89.0%
Current ratio
5.86▼
2024 · 8.57
Quick ratio
5.86▼
2024 · 8.57
Debt / equity
0.20▲
2024 · 0.12
ROE
6.3%▼
2024 · 35.0%
ROA
5.2%▼
2024 · 31.2%
Interest coverage
17.62▼
2024 · 77.70
Debt
€82k▲
2024 · €54k
Debt ≤ 1 year
€81k▲
2024 · €54k
Income taxes
€11k▼
2024 · €67k
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€493k€495k▲
Fixed assets21/28€31k€21k▼
Tangible fixed assets22/27€27k€19k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€24k€17k▼
Financial fixed assets28€4k€2k▼
Current assets29/58€463k€475k▲
Amounts receivable within one year40/41€177k€162k▼
Trade receivables40€31k€17k▼
Other amounts receivable41€146k€145k▼
Cash at bank and in hand54/58€279k€311k▲
Deferred charges and accrued income490/1€7k€2k▼
Equity and liabilities
Total equity and liabilities10/49€493k€495k▲
Equity10/15€439k€414k▼
Contributions10/11€22k€22k=
Reserves13€417k€391k▼
Distributable reserves133€417k€391k▼
Profit (loss) carried forward14€480€480=
Amounts payable17/49€54k€82k▲
Amounts payable within one year42/48€54k€81k▲
Trade debts44€17k€16k▼
Suppliers440/4€17k€16k▼
Taxes, remuneration and social security45€9k€14k▲
Taxes450/3€9k€14k▲
Remuneration and social security454/9€166€0▼
Other amounts payable47/48€28k€51k▲
Accrued charges and deferred income492/3€124€525▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€229k€43k▼
Operating profit (loss)9901€219k€32k▼
Financial income75/76B€5k€7k▲
Recurring financial income75€5k€7k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€221k€37k▼
Income taxes67/77€67k€11k▼
Profit (loss) for the period9904€154k€26k▼
Profit (loss) for the period to be appropriated9905€154k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€154k€26k▼
Profit (loss) brought forward from the previous period14P€480€480=
Transfer from equity791/2€28k€51k▲
Transfer to equity691/2€154k€26k▼
To other reserves6921€154k€26k▼
Profit to be distributed694/7€28k€51k▲
Return on contributions (dividend)694€28k€51k▲
The notes to these accounts (11 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
11-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
12-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €154k ▲50%
Operating result €219k, net result €154k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 8.57
Current ratio from 2.64 to 8.57; short-term debt falls from €160k to €54k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 5.78
Current ratio from 2.44 to 5.78; short-term debt falls from €130k to €48k.
31-12
Financial
Equity above €200kEq €238k ▲19.8%
4 profitable years in a row build equity to €238k.
20-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 142 days late
2020
31-12
Financial
Equity above €150kEq €198k ▲34.9%
3 profitable years in a row build equity to €198k.
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Chaumont-Gistoux · 1 establishment unit since 1995
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 du Moulin,Dion-V. 461325 Chaumont-GistouxGround area
3,175 m²
Building footprint
278 m²
Volume, LiDAR
1,957 m³
Parcel 25025B0358/00B000, Wallonia · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Moulin,Dion-V. 46, 1325 Chaumont-Gistoux
since 19952.065.985.677
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25025B0358/00B000 | Wallonia | 3,175 m² | 1 · 278 m² | 10.0 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.
Similar companies · same sector, comparable size
VAN NISTELROOY BOUWPROJECTEN
BE 0837.134.843
Kontich · Eq €414k
Brik-Bouw
BE 0838.185.809
Beveren-Kruibeke-Zwijndrecht · Eq €414k
CR CONSTRUCTION SRL
BE 0699.582.014
Courcelles · Eq €414k
LWK
BE 0470.067.047
Hamont-Achel · Eq €413k
VAN ALLES EN NIKS
BE 0841.327.025
Antwerpen · Eq €413k
Of 29,551 companies in sector 41001 we hold annual accounts for 15,874. 9,855 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-1993
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
70111
68121Development of residential building projects
43990Other specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.