GIVERNY
ActiveGIVERNY has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €211k and a net result of €15k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 91% of 4149 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▲+15
Solvency100=
Growth62▲+1
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 6.1 against 5.24 in 2024; short-term debt: 15.8% and cash: 63.8% of total assets), and 16.6% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
83.4%
Return on assets
6.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 19-03-2026, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
42 d early
2024
43 d early
2023
43 d early
2022
32 d early
2021
52 d early
2020
35 d early
2019
36 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€440k▲ 3.8%
2024 · €423k
2019: €451k
2020: €361k
2021: €380k
2024: €423k
2019 → 2025
EBIT margin
4.6%▲ 2.9pp
2024 · 1.7%
2019: 6.2%
2020: 9.4%
2021: 13.6%
2024: 1.7%
2019 → 2025
Net result
€15k▲ 126%
2024 · €7k
2018: €-968
2019: €19k
2020: €23k
2021: €37k
2022: €54k
2023: €15k
2024: €7k
2018 → 2025
Working capital
€204k▲ 9.6%
2024 · €186k
2018: €108k
2019: €38k
2020: €61k
2021: €103k
2022: €158k
2023: €175k
2024: €186k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€380k-€423k€440k▲ 3.8%
Equity€120k-€173k▲ 44.9%€188k▲ 8.6%€195k▲ 3.6%€211k▲ 7.9%
Operating result€52k-€71k▲ 36.8%€18k▼ 73.9%€7k▼ 61.6%€20k▲ 185%
Net result€37k-€54k▲ 47.1%€15k▼ 72.4%€7k▼ 54.0%€15k▲ 126%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 185% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €252k
Fixed assets
€9k▼ 23.7%
Current assets
€244k▲ 6.1%
Equity and liabilities €252k
Equity
€211k▲ 7.9%
Debt
€42k▼ 9.0%
The debt ratio falls from 19.1% to 16.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€23k▲
2024 · €11k
Cash flow
€19k▲
2024 · €11k
Solvency
83.4%▲
2024 · 80.9%
Current ratio
6.10▲
2024 · 5.24
Quick ratio
4.10▲
2024 · 3.54
Debt / equity
0.20▼
2024 · 0.24
ROE
7.3%▲
2024 · 3.5%
ROA
6.1%▲
2024 · 2.8%
Interest coverage
10.55▲
2024 · 4.44
Debt
€42k▼
2024 · €46k
Debt ≤ 1 year
€40k▼
2024 · €44k
Income taxes
€8k▲
2024 · €3k
Staff costs
€89k▲
2024 · €88k
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€241k€252k▲
Fixed assets21/28€11k€9k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€11k€9k▼
Furniture and vehicles24€1k€948▼
Other tangible fixed assets26€10k€8k▼
Current assets29/58€230k€244k▲
Stocks and contracts in progress3€74k€80k▲
Stocks30/36€74k€80k▲
Amounts receivable within one year40/41€7k€2k▼
Trade receivables40€0-
Other amounts receivable41€7k€2k▼
Cash at bank and in hand54/58€147k€161k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€241k€252k▲
Equity10/15€195k€211k▲
Contributions10/11€38k€38k=
Capital10€38k€38k=
Issued capital100€38k€38k=
Reserves13€69k€84k▲
Non-distributable reserves130/1€4k€4k=
Legal reserve130€4k€4k=
Tax-exempt reserves132€65k€80k▲
Profit (loss) carried forward14€89k€89k▲
Amounts payable17/49€46k€42k▼
Amounts payable within one year42/48€44k€40k▼
Trade debts44€17k€10k▼
Suppliers440/4€17k€10k▼
Taxes, remuneration and social security45€27k€30k▲
Taxes450/3€12k€14k▲
Remuneration and social security454/9€15k€16k▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Turnover70€423k€440k▲
Goods, raw materials, services and sundry goods60/61€325k€318k▼
Remuneration, social security and pensions62€88k€89k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-823€7k▲
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A€50-
Gross operating margin9900€101k€122k▲
Operating profit (loss)9901€7k€20k▲
Financial income75/76B€5k€6k▲
Recurring financial income75€5k€6k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€10k€24k▲
Income taxes67/77€3k€8k▲
Profit (loss) for the period9904€7k€15k▲
Transfer to tax-exempt reserves689-€15k
Profit (loss) for the period to be appropriated9905€7k€421▼
Appropriation of the result
Profit (loss) to be appropriated9906€89k€89k▲
Profit (loss) brought forward from the previous period14P€82k€89k▲
Social balance
Average headcount (FTE)90872.22.1▼
The notes to these accounts (7 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
19-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-09
Financial
Equity above €200kEq €211k ▲7.9%
7 profitable years in a row build equity to €211k.
18-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
29-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-09
Financial
Highest result since 2018net €54k ▲47.1%
Operating result €71k, net result €54k, both a record.
30-09
Financial
Equity above €150kEq €173k ▲44.9%
4 profitable years in a row build equity to €173k.
09-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-09
Financial
Equity above €100kEq €120k ▲43.9%
3 profitable years in a row build equity to €120k.
26-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
25-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
13-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
22-01-2026
Resigned as Director
Location & real-estate footprint
Registered office, Marche-en-Famenne · 1 establishment unit since 2003
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.
Marche, Rue Saint-Laurent 56900 Marche-en-FamenneGround area
95 m²
Building footprint
60 m²
Parcel 83034A0204/00C000, Wallonia. Linked by address, not a title deed.
1 establishment unit
GIVERNY
since 20032.132.408.012
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83034A0204/00C000 | Wallonia | 94 m² | 1 · 60 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.
Similar companies · same sector, comparable size
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YesWeCan
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Of 2,211 companies in sector 47711 we hold annual accounts for 889. 641 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-06-2003
Fiscal year end30-09
Activities, NACEBEL
47711Retail sale of women's outerwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52421
52423
47722Retail trade
47770Retail sale of watches and jewellery
52484
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.