GJV
ActiveSummary
GJV has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €71,134 and a net result of €26,351. Equity remains stable across the filed fiscal years (±1.6% per year). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency100▲+19
Growth52▼-6
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 5.45 against 2.0 in 2023; short-term debt: 16.8% and cash: 74.8% of total assets), and 16.8% of the assets are financed with debt.
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Signals
Two signals. The signal on the left, the evidence on the right.
+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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 30-06-2026, 31 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
31 d early
2024
1 d early
2023
15 d early
2022
17 d early
2021
19 d early
2020
17 d early
2019
49 d late
← 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 7 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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 14 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema, 2025 accounts filed, figures not processed yet
Equity
€71,134▲ 58.8%
2023 · €44,783
Total assets
€85,474▲ 7.4%
2023 · €79,618
Net result
€26,351▼ 16.9%
2023 · €31,703
Working capital
€63,812▲ 83.9%
2023 · €34,705
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€7,205▼ 79.7%€25,905▲ 260%-€19,981€34,948€33,393▼ 4.5%
Net result€8,337within the sector's middle half▼ 70.0%€23,504within the sector's middle half▲ 182%-€18,974below the sector's middle half€31,703above the sector's middle half€26,351above the sector's middle half▼ 16.9%
Equity€85,551within the sector's middle half▲ 10.8%€89,055within the sector's middle half▲ 4.1%€25,081within the sector's middle half▼ 71.8%€44,783within the sector's middle half▲ 78.6%€71,134within the sector's middle half▲ 58.8%
Total assets€174,884within the sector's middle half▼ 17.6%€172,025within the sector's middle half▼ 1.6%€49,960below the sector's middle half▼ 71.0%€79,618within the sector's middle half▲ 59.4%€85,474within the sector's middle half▲ 7.4%
Debt€89,333▼ 33.8%€82,970▼ 7.1%€24,880▼ 70.0%€34,835▲ 40.0%€14,340▼ 58.8%
Working capital€105,758above the sector's middle half▲ 16.8%€89,739within the sector's middle half▼ 15.1%€12,247within the sector's middle half▼ 86.4%€34,705within the sector's middle half▲ 183%€63,812within the sector's middle half▲ 83.9%
Solvency48.9%within the sector's middle half▲ 12.5pp51.8%within the sector's middle half▲ 2.9pp50.2%within the sector's middle half▼ 1.6pp56.2%within the sector's middle half▲ 6.0pp83.2%above the sector's middle half▲ 27.0pp
Current ratio2.56within the sector's middle half▲ 0.562.10within the sector's middle half▼ 0.461.49within the sector's middle half▼ 0.612.00within the sector's middle half▲ 0.505.45above the sector's middle half▲ 3.45
Return on assets (ROA)4.8%within the sector's middle half▼ 8.4pp13.7%within the sector's middle half▲ 8.9pp-38.0%below the sector's middle half▼ 51.6pp39.8%above the sector's middle half▲ 77.8pp30.8%above the sector's middle half▼ 9.0pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
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 2024; 2024 is 4% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €85,474
Fixed assets
€7,322 ▼ 27.3%
Current assets
€78,152 ▲ 12.4%
Equity and liabilities €85,474
Equity
€71,134 ▲ 58.8%
Debt
€14,340 ▼ 58.8%
Debt's share of the balance-sheet total falls from 43.8% to 16.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€36,149▼
2023 · €37,704
Cash flow
€29,107▼
2023 · €34,459
Debt to equity
0.20▼
2023 · 0.78
ROE
37.0%▼
2023 · 70.8%
Interest coverage
107.67▼
2023 · 173.13
Debt ≤ 1 year
€14,340▼
2023 · €34,835
Income taxes
€6,707▲
2023 · €3,556
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €1,062 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,840 | €840 | €1,506 | €2,756 | €2,756 | = |
| Other operating charges640/8 | - | €1,321 | €879 | €2,113 | €898 | ▼ 57.5% |
| Gross operating margin9900 | €9,791 | €28,066 | -€17,596 | €39,818 | €37,046 | ▼ 7.0% |
| Operating profit (loss)9901 | €7,205 | €25,905 | -€19,981 | €34,948 | €33,393 | ▼ 4.5% |
| Financial income75/76B | - | €4,566 | €1,963 | €528 | €1 | ▼ 99.9% |
| Recurring financial income75 | €4,925 | €4,566 | €1,963 | €528 | €1 | ▼ 99.9% |
| Financial charges65/66B | - | €603 | €957 | €218 | €336 | ▲ 54.2% |
| Recurring financial charges65 | €1,565 | €603 | €957 | €218 | €336 | ▲ 54.2% |
| Profit (loss) for the period before taxes9903 | €10,565 | €29,868 | -€18,974 | €35,259 | €33,058 | ▼ 6.2% |
| Income taxes67/77 | €2,227 | €6,364 | - | €3,556 | €6,707 | ▲ 88.6% |
| Profit (loss) for the period9904 | €8,337 | €23,504 | -€18,974 | €31,703 | €26,351 | ▼ 16.9% |
| Profit (loss) for the period to be appropriated9905 | €8,337 | €23,504 | -€18,974 | €31,703 | €26,351 | ▼ 16.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €174,884 | €172,025 | €49,960 | €79,618 | €85,474 | ▲ 7.4% |
| Fixed assets21/28 | €1,400 | €560 | €12,834 | €10,078 | €7,322 | ▼ 27.3% |
| Intangible fixed assets21 | €750 | €300 | - | - | - | - |
| Tangible fixed assets22/27 | €650 | €260 | €12,834 | €10,078 | €7,322 | ▼ 27.3% |
| Plant, machinery and equipment23 | - | €260 | €4,256 | €3,356 | €2,456 | ▼ 26.8% |
| Furniture and vehicles24 | - | - | €8,578 | €6,722 | €4,866 | ▼ 27.6% |
| Current assets29/58 | €173,484 | €171,465 | €37,126 | €69,540 | €78,152 | ▲ 12.4% |
| Stocks and contracts in progress3 | - | - | - | €1,285 | - | - |
| Stocks30/36 | - | - | - | €1,285 | - | - |
| Amounts receivable within one year40/41 | €92,554 | €52,598 | €27,637 | €21,595 | €11,988 | ▼ 44.5% |
| Trade receivables40 | - | €9,516 | €6,219 | €11,449 | €10,314 | ▼ 9.9% |
| Other amounts receivable41 | - | €43,082 | €21,418 | €10,145 | €1,674 | ▼ 83.5% |
| Cash at bank and in hand54/58 | €80,930 | €118,868 | €7,452 | €43,618 | €63,976 | ▲ 46.7% |
| Deferred charges and accrued income490/1 | - | - | €2,038 | €3,043 | €2,187 | ▼ 28.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €174,884 | €172,025 | €49,960 | €79,618 | €85,474 | ▲ 7.4% |
| Equity10/15 | €85,551 | €89,055 | €25,081 | €44,783 | €71,134 | ▲ 58.8% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €66,951 | €70,455 | €6,481 | €26,183 | €52,534 | ▲ 101% |
| Non-distributable reserves130/1 | - | €1,540 | €1,540 | - | - | - |
| Reserves not available under the articles1311 | - | €1,540 | €1,540 | - | - | - |
| Distributable reserves133 | - | €68,915 | €4,941 | €26,183 | €52,534 | ▲ 101% |
| Amounts payable17/49 | €89,333 | €82,970 | €24,880 | €34,835 | €14,340 | ▼ 58.8% |
| Amounts payable after more than one year17 | €21,607 | - | - | - | - | - |
| Amounts payable within one year42/48 | €67,726 | €81,726 | €24,880 | €34,835 | €14,340 | ▼ 58.8% |
| Current portion of amounts payable after more than one year42 | - | €21,607 | - | - | - | - |
| Trade debts44 | €40,017 | €41,191 | €6,401 | €11,785 | €5,319 | ▼ 54.9% |
| Suppliers440/4 | - | €41,191 | €6,401 | €11,785 | €5,319 | ▼ 54.9% |
| Advances received on contracts in progress46 | - | €3,910 | €3,610 | - | - | - |
| Taxes, remuneration and social security45 | - | €13,443 | €13,293 | €9,475 | €7,423 | ▼ 21.7% |
| Taxes450/3 | - | €13,443 | €13,293 | €9,475 | €7,423 | ▼ 21.7% |
| Other amounts payable47/48 | - | €1,576 | €1,576 | €13,576 | €1,598 | ▼ 88.2% |
| Accrued charges and deferred income492/3 | - | €1,244 | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,337 | €23,504 | -€18,974 | €31,703 | €26,351 | ▼ 16.9% |
| + Depreciation and write-downs630 | €1,840 | €840 | €1,506 | €2,756 | €2,756 | = |
| Operating cash flow (approximation) | €10,177 | €24,344 | -€17,468 | €34,459 | €29,107 | ▼ 15.5% |
| Investment in fixed assets (approximation) | - | €0 | -€13,780 | €0 | €0 | - |
| Change in cash | - | €37,938 | -€111,416 | €36,166 | €20,359 | ▼ 43.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 5.45
Current ratio from 2.00 to 5.45; short-term debt falls from €34,835 to €14,340.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €31,703
Net result €31,703 after one loss-making year.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€18,974
Net result drops to -€18,974, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Hamont-Achel · 1 establishment unit since 2017
Ground area
927 m²
Building footprint
155 m²
Volume, LiDAR
780 m³
Parcel 72001A0096/00S002, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
GJV
since 20172.268.601.554
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72001A0096/00S002 | Flanders | 927 m² | 1 · 155 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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Company details
Identification
Legal formPrivate limited company
Founded28-09-2017
Fiscal year end31-12
Activities, NACEBEL 2025
46319Wholesale of fruit and vegetables, excluding potatoes
46170Agents in the wholesale of food, beverages and tobacco
52210Service activities incidental to land transportation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0681845068
Also
9925:BE0681845068
Registered
16-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.