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Complete company report
Generated 12-08-2026
Active BE 0444.412.725Public limited company

GOVA

Steenweg op Melkwezer 2 ·3440 Zoutleeuw, Belgium· 35 yrs active
Sector: Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton) (95311)
Conclusion Checked

The computed 12-month bankruptcy probability of GOVA is 0.2% (very low). The 2024 annual accounts show equity of €657k and a net result of €175k. Equity is shrinking by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 89% of 112 sector peers (fiscal year 2024). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €657k
Net result €175k
Staff (FTE) 2.8
Better than sector 89%
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health100Profitability100Solvency100Growth32Stability100
86 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100
Profitability 100
Solvency 100
Growth 32
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.2% Very low
0%0,5%1,5%4%10%≥25%
Long track record −Lower-risk legal form −Lower-failure-rate sector −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1991, 35 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
100 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 30-08-2025 with the NBB · fiscal year 2024 · verkort
€0€250k€500k€750kOperating result 2020: €49k€49kNet result 2020: €815k€815kOperating result 2021: €76k€76kNet result 2021: €76k€76kOperating result 2022: €149k€149kNet result 2022: €128k€128kOperating result 2023: €138k€138kNet result 2023: €119k€119kOperating result 2024: €194k€194kNet result 2024: €175k€175k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~4.9%/year over 7 fiscal years, indicative, assuming unchanged policy.
€400k€500k€600k€700k€800k2025: €583k (€530k - €635k)2026: €554k (€502k - €607k)2027: €527k (€471k - €583k)2018: €829k2019: €846k2020: €759k2021: €685k2022: €664k2023: €632k2024: €657k2018201920202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 95 · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 74.3% 35.5%
better than 89% of 112 sector peers
Net result €175k €58k
better than 77% of 113 sector peers
Equity €657k €174k
better than 79% of 113 sector peers
Gross operating margin €393k €349k
better than 55% of 113 sector peers
Staff costs €159k €214k
higher than 38% of 86 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€831k
- 18-24
EBITDA
€222k
+37.7% 18-24
Net profit
€175k
+47.8% 18-24
Cash flow
€203k
+43.5% 18-24
Total assets
€885k
+7.5% 18-24
Equity
€657k
+4.0% 18-24
Working capital
€535k
-6.1% 18-24
Employees (FTE)
3
-6.7% 18-24
Staff costs
€159k
-3.8% 18-24
Income taxes
€42k
+77.7% 18-24
Dividends
€100k
0.0% 18-24
Debt
€228k
+19.3% 18-24
Debt ≤ 1y
€228k
+19.3% 18-24
Current ratio
3.35
-15.9% 18-24
Quick ratio
2.50
-25.1% 18-24
Solvency
74.3%
-3.3% 18-24
Debt / equity
0.35
+14.7% 18-24
ROE
26.7%
+42.1% 18-24
ROA
19.8%
+37.4% 18-24
Net margin
93.9%
- 18-24
EBITDA margin
13.0%
- 18-24
Interest coverage
106.50
-83.5% 18-24
Figures by fiscal year
Fiscal year2024
Depositverkort
Revenue-
EBITDA€222k
Net profit€175k
Cash flow€203k
Staff costs€159k
Income taxes€42k
Dividends€100k
Total assets€885k
Equity€657k
Debt€228k
of which ≤ 1y€228k
of which > 1y-
Working capital€535k
Employees (FTE)2.8
Ratios (computed)
2024
Current ratio3.35
Quick ratio2.50
Working capital ratio60.4%
Solvency74.3%
Debt / equity0.35
Long-term debt ratio-
Interest coverage106.50
Gross margin-
Net margin-
ROA19.8%
ROE26.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€885k
Fixed assets 21/28€123k
Tangible fixed assets 22/27€123k
Current assets 29/58€763k
Stocks & contracts in progress 3€194k
Amounts receivable within one year 40/41€62k
Investments 50/53€236k
Cash & bank 54/58€173k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€885k
Equity 10/15€657k
Contributions / capital 10/11€62k
Reserves 13€6k
Accumulated profits (losses) 14€589k
Amounts payable 17/49€228k
Amounts payable within one year 42/48€228k
Trade debts payable within one year 44€38k
Income statement
Gross operating margin 9900€393k
Operating result 9901€194k
Financial income 75€25k
Financial charges 65€2k
Result before taxes 9903€218k
Income taxes 67/77€42k
Net result for the period 9904€175k
Result to be appropriated 9905€175k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Historic, not recently confirmed (2)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
  • Govaerts Ben
    Director
    State Gazette act 15178877 (23-12-2015)
    Not recently confirmed
    last confirmed in an act from 2015
  • Govaerts Rik
    Director
    State Gazette act 15178877 (23-12-2015)
    Not recently confirmed
    last confirmed in an act from 2015
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)(95311)
Legal form Public limited company(014)
Incorporation14-06-1991
StatusActive
Postal code3440
Establishment units 1 location
GOVA NV
Steenweg op Melkwezer 2, 3440 Zoutleeuwde kleinhandel in nieuwe en gebruikte auto's voor personenvervoer,inclusief die voor bijzondere doeleinden (vb ambulances)
since 19912.053.347.567
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24037A0136/00A002 Flanders 3,346 m² 1 · 816 m² 7.1 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
04-03-2026
State Gazette act Director changes
Thomas DEDROOG
2025
30-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
30-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
10-11-2023
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2022
24-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
2021
29-07-2021
NBB filing Annual accounts filed
fiscal year 2020 · verkort
2020
30-10-2020
NBB filing Annual accounts filed
fiscal year 2019 · verkort
2019
14-10-2019
NBB filing Annual accounts filed
fiscal year 2018 · verkort
2018
28-11-2018
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2017
22-12-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2016
31-08-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2015
23-12-2015
State Gazette act Director changes
v3.2
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 5 months ago
2026
04-03-2026 2 resigning Director changes·Thomas DEDROOG
  • GOVAERTS Ben Joseph Victor, Bestuurder
  • GOVAERTS Rik Paul Simon, Bestuurder
Notary: Thomas DEDROOG · Zoutleeuw
Technical details 
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      "evidence_quote": "De algemene vergadering verleent volledige en algehele kwijting aan de ontslagnemende bestuurder voor de uitoefening van zijn mandaat in de afgelopen periode.",
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        "kbo": "0463.751.753",
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2015
23-12-2015 3 directors appointed Director changes
  • Govaerts Ben, Gedelegeerd bestuurder
  • Govaerts Ben, Bestuurder
  • Govaerts Rik, Bestuurder
Summary: v3.2
Technical details 
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Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)45201Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)95311Carrosserieherstelling45204Carrosserieherstelling (inclusief spuiten en verven)95314
Primary activity highlighted.
Names & trade names
Legal nameNL GOVA
Registered office
Steenweg op Melkwezer 2
3440 Zoutleeuw, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative