GONZA
ActiveSummary
GONZA has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €106,807 and a net result of -€30,002. Equity is shrinking by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 15% of 7930 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability16▲+7
Solvency39▼-4
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,500 at 30 days only on tighter terms
Liquidity short (current ratio 0.52 against 0.5 in 2024; short-term debt: 86.2% and cash: 0.8% of total assets), and 86.5% of the assets are financed with debt.
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Signals
Five 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€30,002
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 7930 sector peers (2025).
NBB · sector comparisonPosition among 7930 sector peers
Solvency
better than 15%
← 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 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
57 d late
2023
30 d late
2022
on the day
2021
31 d late
2020
27 d late
2019
61 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 34 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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 31 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€106,807▼ 21.9%
2024 · €136,809
Total assets
€790,399▲ 2.5%
2024 · €770,869
Net result
-€30,002▲ 47.6%
2024 · -€57,229
Working capital
-€324,002▼ 4.1%
2024 · -€311,096
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€25,664-€7,526▲ 70.7%€49,921-€40,001-€15,249▲ 61.9%
Net result-€35,368below the sector's middle half-€17,197below the sector's middle half▲ 51.4%€36,990within the sector's middle half-€57,229below the sector's middle half-€30,002below the sector's middle half▲ 47.6%
Equity€174,245above the sector's middle half▼ 16.9%€157,048within the sector's middle half▼ 9.9%€194,038within the sector's middle half▲ 23.6%€136,809within the sector's middle half▼ 29.5%€106,807within the sector's middle half▼ 21.9%
Total assets€588,526above the sector's middle half▼ 4.6%€644,500within the sector's middle half▲ 9.5%€805,861within the sector's middle half▲ 25.0%€770,869within the sector's middle half▼ 4.3%€790,399within the sector's middle half▲ 2.5%
Debt€414,281▲ 1.8%€487,451▲ 17.7%€611,823▲ 25.5%€634,060▲ 3.6%€683,592▲ 7.8%
Working capital-€222,547below the sector's middle half▼ 17.3%-€238,919below the sector's middle half▼ 7.4%-€236,306below the sector's middle half▲ 1.1%-€311,096below the sector's middle half▼ 31.6%-€324,002below the sector's middle half▼ 4.1%
Solvency29.6%within the sector's middle half▼ 4.4pp24.4%within the sector's middle half▼ 5.2pp24.1%within the sector's middle half▼ 0.3pp17.7%below the sector's middle half▼ 6.3pp13.5%below the sector's middle half▼ 4.2pp
Current ratio0.38below the sector's middle half▼ 0.100.46below the sector's middle half▲ 0.080.58below the sector's middle half▲ 0.120.50below the sector's middle half▼ 0.080.52below the sector's middle half▲ 0.02
Return on assets (ROA)-6.0%below the sector's middle half▼ 11.0pp-2.7%below the sector's middle half▲ 3.3pp4.6%within the sector's middle half▲ 7.3pp-7.4%below the sector's middle half▼ 12.0pp-3.8%below the sector's middle half▲ 3.6pp
Staff (FTE)0.9▼ 71.9%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
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 stays negative: a loss of €15,249 in 2025 against €40,001 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €790,399
Fixed assets
€433,132 ▼ 4.5%
Current assets
€357,267 ▲ 12.6%
Equity and liabilities €790,399
Equity
€106,807 ▼ 21.9%
Debt
€683,592 ▲ 7.8%
Debt's share of the balance-sheet total rises from 82.3% to 86.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€3,316▲
2024 · -€20,549
Cash flow
-€11,437▲
2024 · -€37,777
Debt to equity
6.40▲
2024 · 4.63
ROE
-28.1%▲
2024 · -41.8%
Interest coverage
0.23▲
2024 · -1.18
Debt ≤ 1 year
€681,269▲
2024 · €628,311
Income taxes
€211▲
2024 · €210
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,422 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 96% are still going.
- Small
- 10 to 20 years old
- solvency 10 to 30%
- a small loss
0.8%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 1,422 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €18,015 | -€2,707 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €30,464 | €13,046 | €19,050 | €19,452 | €18,565 | ▼ 4.6% |
| Other operating charges640/8 | €831 | €710 | €1,408 | €705 | €853 | ▲ 20.9% |
| Gross operating margin9900 | €23,646 | €3,524 | €70,379 | -€19,844 | €4,168 | ▲ 121% |
| Operating profit (loss)9901 | -€25,664 | -€7,526 | €49,921 | -€40,001 | -€15,249 | ▲ 61.9% |
| Financial income75/76B | - | €0 | €5 | €382 | €10 | ▼ 97.4% |
| Recurring financial income75 | - | €0 | €5 | €382 | €10 | ▼ 97.4% |
| Financial charges65/66B | €9,641 | €9,482 | €12,728 | €17,401 | €14,552 | ▼ 16.4% |
| Recurring financial charges65 | €9,641 | €9,482 | €12,728 | €17,401 | €14,552 | ▼ 16.4% |
| Profit (loss) for the period before taxes9903 | -€35,306 | -€17,007 | €37,198 | -€57,019 | -€29,792 | ▲ 47.8% |
| Income taxes67/77 | €62 | €190 | €207 | €210 | €211 | ▲ 0.3% |
| Profit (loss) for the period9904 | -€35,368 | -€17,197 | €36,990 | -€57,229 | -€30,002 | ▲ 47.6% |
| Profit (loss) for the period to be appropriated9905 | -€35,368 | -€17,197 | €36,990 | -€57,229 | -€30,002 | ▲ 47.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €588,526 | €644,500 | €805,861 | €770,869 | €790,399 | ▲ 2.5% |
| Fixed assets21/28 | €450,014 | €437,131 | €473,106 | €453,654 | €433,132 | ▼ 4.5% |
| Tangible fixed assets22/27 | €401,457 | €388,411 | €424,361 | €404,909 | €386,344 | ▼ 4.6% |
| Land and buildings22 | €364,751 | €363,626 | €362,500 | €362,500 | €362,500 | = |
| Plant, machinery and equipment23 | €5,098 | €2,301 | €47,337 | €35,043 | €23,200 | ▼ 33.8% |
| Furniture and vehicles24 | €4,080 | €1,676 | €438 | - | - | - |
| Leasing and similar rights25 | - | €20,807 | €14,086 | €7,365 | €644 | ▼ 91.3% |
| Other tangible fixed assets26 | €27,528 | - | - | - | - | - |
| Financial fixed assets28 | €48,557 | €48,720 | €48,745 | €48,745 | €46,788 | ▼ 4.0% |
| Current assets29/58 | €138,512 | €207,368 | €332,755 | €317,215 | €357,267 | ▲ 12.6% |
| Stocks and contracts in progress3 | €3,875 | €2,625 | €60,515 | €8,115 | - | - |
| Stocks30/36 | €3,875 | €2,625 | €8,115 | €8,115 | - | - |
| Contracts in progress37 | - | - | €52,400 | - | - | - |
| Amounts receivable within one year40/41 | €131,759 | €200,194 | €269,811 | €299,274 | €350,585 | ▲ 17.1% |
| Trade receivables40 | €36,618 | €44,888 | €31,294 | €62,062 | €72,535 | ▲ 16.9% |
| Other amounts receivable41 | €95,141 | €155,306 | €238,517 | €237,212 | €278,050 | ▲ 17.2% |
| Cash at bank and in hand54/58 | €2,396 | €1,570 | €629 | €9,278 | €6,683 | ▼ 28.0% |
| Deferred charges and accrued income490/1 | €483 | €2,978 | €1,800 | €548 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €588,526 | €644,500 | €805,861 | €770,869 | €790,399 | ▲ 2.5% |
| Equity10/15 | €174,245 | €157,048 | €194,038 | €136,809 | €106,807 | ▼ 21.9% |
| Contributions10/11 | €251,100 | €251,100 | €251,100 | €251,100 | €251,100 | = |
| Reserves13 | €2,319 | €2,319 | €2,319 | €2,319 | €2,319 | = |
| Non-distributable reserves130/1 | €2,319 | €2,319 | €2,319 | - | - | - |
| Reserves not available under the articles1311 | €2,319 | €2,319 | €2,319 | - | - | - |
| Distributable reserves133 | - | - | - | €2,319 | €2,319 | = |
| Profit (loss) carried forward14 | -€79,174 | -€96,371 | -€59,381 | -€116,610 | -€146,612 | ▼ 25.7% |
| Amounts payable17/49 | €414,281 | €487,451 | €611,823 | €634,060 | €683,592 | ▲ 7.8% |
| Amounts payable after more than one year17 | €53,222 | €41,164 | €42,762 | €5,749 | - | - |
| Financial debts170/4 | €53,222 | €41,164 | €42,762 | €5,749 | - | - |
| Amounts payable within one year42/48 | €361,058 | €446,287 | €569,061 | €628,311 | €681,269 | ▲ 8.4% |
| Current portion of amounts payable after more than one year42 | €11,761 | €12,058 | €22,161 | €16,067 | €5,749 | ▼ 64.2% |
| Financial debts43 | €196,954 | €200,000 | €203,512 | €200,000 | €145,000 | ▼ 27.5% |
| Credit institutions430/8 | €196,954 | €200,000 | €203,512 | €200,000 | €145,000 | ▼ 27.5% |
| Trade debts44 | €1,677 | €1,750 | €967 | €3,387 | €2,155 | ▼ 36.4% |
| Suppliers440/4 | €1,677 | €1,750 | €967 | €3,387 | €2,155 | ▼ 36.4% |
| Taxes, remuneration and social security45 | €3,598 | €1,667 | €1,771 | €1,447 | €3,398 | ▲ 135% |
| Taxes450/3 | €3,598 | €1,667 | €1,771 | €1,447 | €3,398 | ▲ 135% |
| Other amounts payable47/48 | €147,069 | €230,812 | €340,651 | €407,411 | €524,967 | ▲ 28.9% |
| Accrued charges and deferred income492/3 | - | - | - | - | €2,323 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€35,368 | -€17,197 | €36,990 | -€57,229 | -€30,002 | ▲ 47.6% |
| + Depreciation and write-downs630 | €30,464 | €13,046 | €19,050 | €19,452 | €18,565 | ▼ 4.6% |
| Operating cash flow (approximation) | -€4,904 | -€4,151 | €56,040 | -€37,777 | -€11,437 | ▲ 69.7% |
| Investment in fixed assets (approximation) | - | -€164 | -€55,025 | €0 | €1,958 | - |
| Change in cash | - | -€825 | -€941 | €8,649 | -€2,595 | ▼ 130% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 57 days late
2024
31-12
Financial
Weakest financial yearnet -€57,229
Net result drops to -€57,229, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Back to profitnet €36,990
Net result €36,990 after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Equity above €200,000Eq €209,613 ▲17.4%
3 profitable years in a row build equity to €209,613.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-12
Financial
Equity above €150,000Eq €178,575 ▲29.4%
2 profitable years in a row build equity to €178,575.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Balen · 1 establishment unit since 2011
Ground area
2,387 m²
Building footprint
235 m²
Volume, LiDAR
1,479 m³
Parcel 13003A0562/00K000, Flanders · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WILLY SMETS VLOER- EN TEGELWERKEN
since 20112.196.747.518
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13003A0562/00K000 | Flanders | 2,387 m² | 1 · 235 m² | 12.7 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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Of 3,960 companies in sector 43331 we hold annual accounts for 1,788. 1,541 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-01-2011
Fiscal year end31-12
Activities, NACEBEL 2025
43331Floor and wall tiling
E-invoicing
Reachable via Peppol
Peppol ID
0208:0832937020
Registered
05-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.