Gonay Constructions
ActiveThe computed 12-month bankruptcy probability of Gonay Constructions is 2.1% (moderate). The 2025 annual accounts show equity of €79k and a net result of €16k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 22% of 7331 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+5
Solvency41▼-10
Growth52=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.85 against 1.44 in 2024; short-term debt: 43.5% and cash: 6.8% of total assets), and 84.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 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
15.5%
Return on assets
3.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 7331 sector peers (2025).
NBB · sector comparisonPosition among 7331 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
24 d late
2024
50 d late
2023
30 d late
2022
31 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
2024 · €0
2024: €0
2024 → 2025
Total assets
€506k▲ 107%
2024 · €244k
2022: €171k
2023: €247k
2024: €244k
2022 → 2025
Net result
€16k
2024 · €-932
2022: €31k
2023: €16k
2024: €-932
2022 → 2025
Working capital
€-34k
2024 · €41k
2022: €9k
2023: €-29k
2024: €41k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€0€0
Equity€47k-€63k▲ 33.9%€62k▼ 1.5%€79k▲ 26.1%
Operating result€38k-€21k▼ 44.5%€919▼ 95.6%€22k▲ 2,297%
Net result€31k-€16k▼ 49.1%€-932€16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2,297% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €506k
Fixed assets
€319k▲ 186%
Current assets
€186k▲ 40.7%
Equity and liabilities €506k
Equity
€79k▲ 26.1%
Debt
€427k▲ 135%
The debt ratio rises from 74.5% to 84.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€68k▲
2024 · €30k
Cash flow
€62k▲
2024 · €28k
Solvency
15.5%▼
2024 · 25.5%
Current ratio
0.85▼
2024 · 1.44
Quick ratio
0.83▼
2024 · 1.29
Debt / equity
5.44▲
2024 · 2.92
ROE
20.7%▲
2024 · -1.5%
ROA
3.2%▲
2024 · -0.4%
Interest coverage
8.68▲
2024 · 7.71
Debt
€427k▲
2024 · €182k
Debt ≤ 1 year
€220k▲
2024 · €92k
Debt > 1 year
€207k▲
2024 · €49k
Staff costs
€29k▼
2024 · €91k
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€244k€506k▲
Fixed assets21/28€112k€319k▲
Tangible fixed assets22/27€112k€319k▲
Land and buildings22-€221k
Plant, machinery and equipment23€4k€19k▲
Furniture and vehicles24€44k€33k▼
Leasing and similar rights25€63k€45k▼
Current assets29/58€133k€186k▲
Stocks and contracts in progress3€14k€4k▼
Stocks30/36€14k€4k▼
Amounts receivable within one year40/41€104k€142k▲
Trade receivables40€97k€142k▲
Other amounts receivable41€7k€755▼
Cash at bank and in hand54/58€12k€35k▲
Deferred charges and accrued income490/1€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€244k€506k▲
Equity10/15€62k€79k▲
Contributions10/11€16k€16k=
Reserves13€47k€47k=
Distributable reserves133€47k€47k=
Profit (loss) carried forward14€-482€16k▲
Amounts payable17/49€182k€427k▲
Amounts payable after more than one year17€49k€207k▲
Financial debts170/4€49k€207k▲
Amounts payable within one year42/48€92k€220k▲
Current portion of amounts payable after more than one year42€17k€29k▲
Trade debts44€62k€89k▲
Suppliers440/4€62k€89k▲
Taxes, remuneration and social security45€13k€10k▼
Taxes450/3€3k€5k▲
Remuneration and social security454/9€10k€5k▼
Other amounts payable47/48-€92k
Accrued charges and deferred income492/3€41k-
Income statement
Code20242025
Turnover70€0€0=
Goods, raw materials, services and sundry goods60/61€0€0=
Remuneration, social security and pensions62€91k€29k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€46k▲
Other operating charges640/8€952€2k▲
Non-recurring operating charges66A€8k-
Gross operating margin9900€130k€100k▼
Operating profit (loss)9901€919€22k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€4k€8k▲
Recurring financial charges65€4k€8k▲
Profit (loss) for the period before taxes9903€-932€16k▲
Profit (loss) for the period9904€-932€16k▲
Profit (loss) for the period to be appropriated9905€-932€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-482€16k▲
Profit (loss) brought forward from the previous period14P€449€-482▼
The notes to these accounts (10 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 50 days late
2024
31-12
Financial
Weakest financial yearnet €-932 ▼106%
Net result drops to €-932, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · 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
2 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, Theux · 1 establishment unit since 2021
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.
Chaussée de Spa 674910 TheuxGround area
862 m²
Building footprint
100 m²
Parcel 63076C1363/00K003, Wallonia. Linked by address, not a title deed.
1 establishment unit
Gonay Constructions
since 20212.321.845.943
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63076C1363/00K003 | Wallonia | 862 m² | 1 · 100 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
RVL-CONCEPT
BE 0809.567.146
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RenoVibe
BE 0797.742.846
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Bouwbedrijf Jim & Partner
BE 0897.234.855
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SUPREME CONSTRUCT
BE 0767.635.234
Sint-Gillis (bij-Brussel) · Eq €79k
DITO
BE 0447.148.818
Sint-Lievens-Houtem · Eq €78k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 13,193 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43320Joinery installation
43343Specialised construction activities
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.
Contact details
1 entryE-mail:info@Gonayconstructions.be