Turnover
≈ €290,000 estimated
The micro format states no turnover.
Gobel Construct
Overview
Lifetime
4 annual accounts with figures on one time axispeak €41,303 (2025)
€41,303▲ 90.0%
lowest -€2,356 (2023)
€25,445▲ 75.8%
peak €60,795 (2025)
€60,795▲ 72.0%
€14,127▼ 17.9%
Board1 name since 2021
1 directorGODJA Ioan
Documentsfilings and deeds
12-06-202649 days before the deadline
2025micro format
Gross margin from €21,741 to €41,303Result from €14,474 to €25,445Equity from €35,350 to €60,795Debts from €17,201 to €14,127Cash from €11,438 to €33,529
Key points
from the 2025 annual accountsInvestments
€8,336 1.8 × depreciation
Green is investment, beige is depreciation. Machinery stands 128.8% higher than in 2024.
Liquidity
4.17 was 2.33 in 2024
Short-term debts fell from €17,201 to €14,127.
Filings
4 annual accounts 2 late
The 2023 accounts came latest: 30 days after the end of the period.
Starting capital
€1,000 1,000 shares
Position in the sector
81.1%
Higher solvency than 88% of companies in construction of buildings. Sector median 42.9% · 9,452 companies.
Checked score
89
Excellent
Financially stronger than 90% of micro companies in construction of buildings (NACE 41)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 3.9%highest value
01-2025: 3.9%● unchanged vs 12-2024highest value
02-2025: 3.8%▼ -0.1 percentage points vs 01-2025
03-2025: 2.2%▼ -1.6 percentage points vs 02-2025
04-2025: 2.2%● unchanged vs 03-2025
05-2025: 2.2%● unchanged vs 04-2025
06-2025: 2.2%● unchanged vs 05-2025
07-2025: 2.2%● unchanged vs 06-2025
08-2025: 1.8%▼ -0.4 percentage points vs 07-2025
09-2025: 1.7%▼ -0.1 percentage points vs 08-2025
10-2025: 1.7%● unchanged vs 09-2025
11-2025: 1.7%● unchanged vs 10-2025
12-2025: 1.6%▼ -0.1 percentage points vs 11-2025
01-2026: 1.6%● unchanged vs 12-2025
02-2026: 1.6%● unchanged vs 01-2026
03-2026: 1.7%▲ +0.1 percentage points vs 02-2026
04-2026: 2.1%▲ +0.4 percentage points vs 03-2026
05-2026: 2.6%▲ +0.5 percentage points vs 04-2026
06-2026: 2.7%▲ +0.1 percentage points vs 05-2026
07-2026: 2.7%● unchanged vs 06-2026
08-2026: 1.5%▼ -1.2 percentage points vs 07-2026
09-2026: 1.7%▲ +0.2 percentage points vs 08-2026
10-2026: 0.4%▼ -1.3 percentage points vs 09-2026lowest value
11-2026: 0.4%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2021
Sector: Construction of residential and non-residential buildings (NACE 41)
lowers risk
Liquidity: current ratio 4.17, cash €33,529
Equity €60,795 (81.1% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 92% of them on solvency, 94% on liquidity, 91% on profitability and 84% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as Gobel Construct has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Gobel Construct itself: 0.4% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for Gobel Construct. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.17 (2.33 in 2024), above the usual 1.5. Short-term debt is 18.9% and cash 44.8% of total assets. 18.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 12-06-2026, 49 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
49 days early
2024
161 days early
2023
30 days late
2022
18 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 41 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 16 July (3 of the last 4 accounts filed within 46 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0778488049
Registered office moved to Deinze
New registered office: Aaltersesteenweg 120, 9800 Deinze · General meeting of 22-03-2024 · Gazette deed
Incorporation
Founding capital of €1,000, 1,000 shares · Founder: GODJA Ioan (oprichter verschenen comparant) · Appointment: GODJA Ioan (director) · published on 14-12-2021 · Gazette deed
First establishment
Aaltersesteenweg 120, Deinze
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Gobel Construct Deinze | €74,922 | €41,303 | 81.1% | - |
| TTA BUILDING Aalst | €68,916 | €36,946 | 82.6% | - |
| BROTHERS COL Geraardsbergen | €83,424 | €36,044 | 63.9% | - |
| KURSUN Ghent | €85,047 | €41,833 | 66.1% | - |
| KOC Evergem | €75,713 | €33,199 | 45.2% | - |
| MAAP CONSTRUCT Lebbeke | €68,422 | €33,888 | 78.6% | - |
| LES TECH Erpe-Mere | €93,048 | €39,839 | 85.1% | - |
These companies have the same main activity as Gobel Construct: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €68,400 and €93,000, founded between 2021 and 2022.
Official details
Source: KBO- Status
- Active since 10-12-2021Normal situation
- Activity
- General construction of residential buildingsNACE 41001
- Establishment unit
- 2.325.986.9529800 Deinze, since 10-12-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 28-09-2026
Annual accounts 2025
- €41,303▲ 90.0%
- €25,445▲ 75.8%
- €60,795▲ 72.0%
- €74,922▲ 42.6%
- Filing
- Filed on 12-06-2026, 49 days before the end of the filing period
Insights on Gobel Construct
Gobel Construct files the micro format. That format states no turnover. The gross margin rose from €30,481 in 2022 to €41,303 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 12-06-2026, 49 days before the deadline€41,303
▲ 90.0%
€35,522
▲ 93.6%
€25,445
▲ 75.8%
€44,716
▲ 94.8%
81.1%
▲ 13.9 percentage points
4.17
▲ 1.83
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €290,000. Estimated: probably between €160,000 and €520,000.
Balance sheet
balance sheet total €74,922 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
81.1%
Higher than 89% of 9,452 companies in 2025.
4.17
Higher than 84% of 9,200 companies in 2025.
34.0%
Higher than 87% of 9,272 companies in 2025.
Gobel Construct
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
74,922 | 52,551 | 39,319 | 42,286 | |
21/28 |
16,080 | 12,401 | 8,379 | 15,098 | |
22/27 |
16,080 | 12,401 | 8,379 | 15,098 | |
23 |
10,841 | 4,738 | 2,812 | 2,133 | |
24 |
5,238 | 7,663 | 5,567 | 12,965 | |
29/58 |
58,843 | 40,150 | 30,940 | 27,188 | |
40/41 |
19,166 | 20,551 | 20,822 | 26,177 | |
40 |
17,542 | 6,427 | 12,551 | 24,540 | |
41 |
1,624 | 14,124 | 8,271 | 1,637 | |
54/58 |
33,529 | 11,438 | 3,693 | 1,011 | |
490/1 |
6,148 | 8,161 | 6,426 | - | |
| Balance sheet: equity and liabilities | |||||
10/49 |
74,922 | 52,551 | 39,319 | 42,286 | |
10/15 |
60,795 | 35,350 | 20,876 | 23,232 | |
10/11 |
1,000 | 1,000 | 1,000 | 1,000 | |
14 |
59,795 | 34,350 | 19,876 | 22,232 | |
17/49 |
14,127 | 17,201 | 18,443 | 19,054 | |
42/48 |
14,127 | 17,201 | 18,293 | 18,954 | |
44 |
5,718 | 11,928 | 12,889 | 14,270 | |
440/4 |
5,718 | 11,928 | 12,889 | 14,270 | |
45 |
8,054 | 5,025 | 5,283 | 4,658 | |
450/3 |
8,054 | 5,025 | 5,283 | 4,658 | |
47/48 |
355 | 248 | 121 | 26 | |
492/3 |
- | - | 150 | 100 | |
| Income statement | |||||
9900 |
41,303 | 21,741 | 4,245 | 30,481 | |
630 |
4,657 | 3,009 | 2,233 | 2,605 | |
640/8 |
1,124 | 387 | 786 | 967 | |
66A |
- | - | 3,401 | - | |
9901 |
35,522 | 18,345 | -2,176 | 26,909 | |
75/76B |
1 | 24 | 10 | - | |
75 |
1 | 24 | 10 | - | |
65/66B |
2,786 | 214 | 190 | 19 | |
65 |
2,786 | 214 | 190 | 19 | |
9903 |
32,737 | 18,155 | -2,356 | 26,890 | |
67/77 |
7,291 | 3,681 | - | 4,658 | |
9904 |
25,445 | 14,474 | -2,356 | 22,232 | |
9905 |
25,445 | 14,474 | -2,356 | 22,232 | |
| Appropriation of the result | |||||
9906 |
59,795 | 34,350 | 19,876 | 22,232 | |
14P |
34,350 | 19,876 | 22,232 | - | |
| Document | |||||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 12-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| 40,179 | 21,354 | 58 | 29,514 | ||
| 30,103 | 17,482 | -122 | 24,836 | ||
| 8,336 | 7,030 | 1,335 | 17,702 | ||
| 22,090 | 7,745 | 2,682 | - | ||
| 44,716 | 22,949 | 12,647 | 8,234 | ||
| 81.1% | 67.3% | 53.1% | 54.9% | ||
| 4.17 | 2.33 | 1.69 | 1.43 | ||
| 0.23 | 0.49 | 0.88 | 0.82 | ||
| 41.9% | 40.9% | -11.3% | 95.7% | ||
| 34.0% | 27.5% | -6.0% | 52.6% | ||
| 14.42 | 99.80 | 0.30 | over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Tangible fixed assets | €8,336 | €7,030 | €1,335 | €17,702 |
| €4,657 | €3,009 | €2,233 | €2,605 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on Gobel Construct
The operating result for 2025 is 94% higher than in 2024 and the highest since 2022. It is the second rise in a row, after the fall in 2023.
Debt's share of the balance-sheet total falls from 32.7% to 18.9%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 14-12-2021
term without a fixed end
listed in the 2025 annual accounts, filed on 12-06-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 14-12-2021
Mandates through the years
1 name, the dashed line is todayGODJA Ioan
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- GODJA Ioan
- Director (not named in the articles), from 10-12-2021 to date
Control
Capital
- Contribution
- €1,000
- Shares
- 1,000
- Contribution per share
- €1
- Equity per share
- €60.80 in 2025
- Source
- deed of 14-12-2021
Articles of association
deed of 14-12-2021 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Friday of June at 18:00
Shareholders
At incorporation
deed of 14-12-2021 ↗
- GODJA Ioan 1,000 shares (100%) · €1,000 in cash
Network & group
No group
Gobel Construct has no parent and no holdings in its annual accounts. GODJA Ioan is the only director. Gobel Construct shares no director with another company.
Timeline
Timeline
11 events since 2021Filings
Financial
Establishments
Address
202220242026
Deadline for the 2026 accounts: 31-07-2027
2026
Registered in the Peppol Directory Reachable for e-invoices through 0208:0778488049
Annual accounts 2025 filed NBBmicro format · 49 days before the deadline
2025
Highest result from 2022 to 2025 net €25,445 ▲75.8% The operating result of €35,522 and the net result of €25,445 are both a record.
Annual accounts 2024 filed PDFmicro format · 161 days before the deadline
2024
Back to profit net €14,474 The net result is €14,474, after one loss-making year.
Annual accounts 2023 filed PDFmicro format · 30 days late
Registered office moved to DeinzeNew registered office: Aaltersesteenweg 120, 9800 Deinze · General meeting of 22-03-20242 points ▸
- General meeting, 22-03-2024
- Registered-office move, Aaltersesteenweg 120, 9800 Deinze
2023
Weakest financial year net -€2,356 The net result drops to -€2,356, the lowest from 2022 to 2025. It recovers the following year.
Annual accounts 2022 filed PDFmicro format · 18 days late
2021
IncorporationFounding capital of €1,000, 1,000 shares · Founder: GODJA Ioan (oprichter verschenen comparant) · Appointment: GODJA Ioan (director) · published on 14-12-20214 points ▸
- Founder, GODJA Ioan (oprichter verschenen comparant)
- Founding capital, €1,000, 1,000 shares
- Registered office clause, Sint Antoniuslaan 43 bus 2, 1700 Dilbeek
- Director appointment, GODJA Ioan (director (not named in the articles))
- The deed holds 2 more points.
First establishment Aaltersesteenweg 120, Deinze
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Gobel Construct was incorporated on 10 December 2021 as a private limited company by one natural person, with a starting capital of €1,000.12 The registered office was moved to Deinze in 2024.3 GODJA Ioan is director of the company, appointed by deed of 14-12-2021.2 Total assets rose from €42,286 in 2022 to €74,922 in 2025.4
Company details
Identity
- Enterprise number
- 0778.488.049
- VAT number
- BE 0778.488.049
- Peppol ID
- 0208:0778488049
- Other Peppol ID
- 9925:BE0778488049
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 10-12-2021
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Friday of June at 18:00deed of 14-12-2021 (in Dutch)
- Peppol
- Reachable since 28-09-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Gobel Construct in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 14-12-2021 (in Dutch)
- Name clauseThe company operates under this name according to its articles.
- Gobel Constructdeed of 14-12-2021 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 14-12-2021 (in Dutch)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
Codes under NACEBEL 2008
41201
General construction of buildings main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Werkzaamheden algemene bouw van residentiële gebouwen,waaronder dakwerken,schrijnwerk,loodgieterswerk,metsel en…”deed of 14-12-2021 (in Dutch)
9 activities
- Werkzaamheden algemene bouw van residentiële gebouwen,waaronder dakwerken,schrijnwerk,loodgieterswerk,metsel en voegwerken,grondwerken,kuisen van werven,elektrotechnische installatiewerken,stukadoor en andere afwerkingswerken binnen de bouw.
- De vennootschap mag bij wijze van inbreng in speciën of in natura,fusie,onderschrijving,deelneming of anderszins,belangen nemen in andere bestaande of nog op te richten ondernemingen,verenigingen of vennootschappen,waarvan het voorwerp verwant of analoog is met het hare of van aard haar voorwerp geheel of gedeeltelijk te bevorderen.
- Het beheer en de uitbreiding van een onroerend patrimonium zonder enige beperking,alsmede alle handelingen die daar rechtstreeks of onrechtstreeks verband mee houden of van die aard zijn de opbrengst van haar goederen te bevorderen,zoals daar zijn:de aankoop,de verkoop,de ruiling,de verhuring,het onderhoud,de verfraaiing,alle handelingen in verband met de verwerving of de overdracht en ter beschikkingstelling van alle onroerende goederen.
- Zij zal alle leningen kunnen aangaan en terugbetalen,hypothecaire en andere,met het oog op het verwerven van roerende goederen of waarden indien zij dat doelmatig nodig acht.
- Zij kan,zonder dat enige opsomming beperkend kan worden uitgelegd,ook handlichting geven van alle hypotheken in haar voordeel genomen,met of zonder betaling,en alle handelingen stellen die zelfs maar nuttig zijn voor het verwezenlijken van haar voorwerp.
- De vennootschap kan ook worden omgevormd in een rechtswezen met een andere vorm.
- De vennootschap kan zowel tot waarborg van eigen verbintenissen als tot waarborg van verbintenissen van derden borg stellen,onder meer door haar goederen in hypotheek of pand te geven,inclusief de eigen handelszaak.
- De vennootschap kan in het algemeen alle commerciële,industriële,financiële roerende of onroerende handelingen verrichten in rechtstreeks of onrechtstreeks verband met haar voorwerp of welke van aard zouden zijn de verwezenlijking ervan geheel of gedeeltelijk te vergemakkelijken.
- De vennootschap zal de leiding en het toezicht,in haar hoedanigheid van bestuurder,zaakvoerder,vereffenaar of anderszins,kunnen uitoefenen over,en advies verschaffen aan aanverwante ondernemingen of dochtervennootvennootschappen.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Aaltersesteenweg 120 registered office 9800 Deinze | 10-12-2021 | 2.325.986.952 |
Buildings and parcels at the address
- Ground area
- 98 m²
- Buildings
- 88 m²
- Volume, LiDAR
- 511 m³
- Tallest building
- 9.4 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 44078A0124/00P000 | 98 m² | 1 · 88 m² | 9.4 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0778.488.049