GOVAL
ActiveGOVAL has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €28k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 48% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency79▲+23
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.17 against 1.4 in 2024; short-term debt: 45.5% and cash: 0.3% of total assets), and 46% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
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
54%
Return on assets
28.7%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €52k
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
15 d early
2023
19 d early
2022
28 d early
2021
30 d late
2020
17 d late
2019
49 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▲ 113%
2024 · €25k
2018: €11k
2019: €8k
2020: €8k
2021: €8k
2022: €8k
2023: €8k
2024: €25k
2018 → 2025
Total assets
€97k▲ 20.5%
2024 · €80k
2018: €76k
2019: €88k
2020: €95k
2021: €85k
2022: €58k
2023: €82k
2024: €80k
2018 → 2025
Net result
€28k▲ 4.7%
2024 · €26k
2018: €30k
2019: €34k
2020: €59k
2021: €46k
2022: €23k
2023: €41k
2024: €26k
2018 → 2025
Working capital
€51k▲ 128%
2024 · €23k
2018: €11k
2019: €8k
2020: €8k
2021: €8k
2022: €8k
2023: €5k
2024: €23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€8k▼ 2.9%€8k=€25k▲ 204%€52k▲ 113%
Operating result€64k-€34k▼ 46.8%€59k▲ 72.7%€37k▼ 37.5%€41k▲ 12.0%
Net result€46k-€23k▼ 49.6%€41k▲ 75.6%€26k▼ 34.9%€28k▲ 4.7%
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 12% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €97k
Fixed assets
€1k▼ 39.5%
Current assets
€95k▲ 22.1%
Equity and liabilities €97k
Equity
€52k▲ 113%
Debt
€44k▼ 20.2%
The debt ratio falls from 69.4% to 46.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€42k▲
2024 · €38k
Cash flow
€29k▲
2024 · €27k
Solvency
54.0%▲
2024 · 30.6%
Current ratio
2.17▲
2024 · 1.40
Quick ratio
2.17▲
2024 · 1.40
Debt / equity
0.85▼
2024 · 2.27
ROE
53.0%▼
2024 · 107.9%
ROA
28.7%▼
2024 · 33.0%
Interest coverage
48.62▼
2024 · 62.88
Debt
€44k▼
2024 · €56k
Debt ≤ 1 year
€44k▼
2024 · €56k
Income taxes
€17k▲
2024 · €15k
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€80k€97k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€78k€95k▲
Amounts receivable within one year40/41€78k€95k▲
Other amounts receivable41€78k€95k▲
Cash at bank and in hand54/58€1€321▲
Equity and liabilities
Total equity and liabilities10/49€80k€97k▲
Equity10/15€25k€52k▲
Contributions10/11€6k€6k=
Reserves13€2k€30k▲
Distributable reserves133€2k€30k▲
Profit (loss) carried forward14€16k€16k=
Amounts payable17/49€56k€44k▼
Amounts payable within one year42/48€56k€44k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€43k€42k▼
Taxes450/3€43k€42k▼
Other amounts payable47/48€10k-
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€802€802=
Other operating charges640/8€1k€662▼
Gross operating margin9900€39k€43k▲
Operating profit (loss)9901€37k€41k▲
Financial income75/76B€5k€5k▼
Recurring financial income75€5k€5k▼
Financial charges65/66B€600€867▲
Recurring financial charges65€600€867▲
Profit (loss) for the period before taxes9903€41k€45k▲
Income taxes67/77€15k€17k▲
Profit (loss) for the period9904€26k€28k▲
Profit (loss) for the period to be appropriated9905€26k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€44k▲
Profit (loss) brought forward from the previous period14P-€16k
Transfer to equity691/2-€28k
To other reserves6921-€28k
Profit to be distributed694/7€10k-
Return on contributions (dividend)694€10k-
The notes to these accounts (5 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €23k ▼49.6%
Net result drops to €23k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Highest result since 2018net €59k ▲73.1%
Operating result €78k, net result €59k, both a record.
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 16 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 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, Duffel · 1 establishment unit since 1993
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.
Kiliaanstraat 422570 DuffelGround area
196 m²
Building footprint
189 m²
Volume, LiDAR
1,896 m³
Parcel 12009A0607/00C000, Flanders · tallest building 17.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Kiliaanstraat 42, 2570 Duffel
since 19932.061.499.032
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12009A0607/00C000 | Flanders | 196 m² | 1 · 189 m² | 17.4 m · 4 fl. |
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
MITCH CONSULTING
BE 0672.946.111
Dendermonde · Eq €52k
Kireli
BE 0771.444.067
Kapelle-op-den-Bos · Eq €52k
Abilità
BE 0886.902.969
Schilde · Eq €52k
DIEJOR
BE 0476.251.588
Waasmunster · Eq €52k
GERALI
BE 0434.537.630
Tienen · Eq €52k
Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 38,304 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-02-1993
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.