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GOVERS VERZEKERINGEN

Active
Private limited companyfounded 2001active for 25 yearsPepingensesteenweg 165, 1600 Sint-Pieters-Leeuw, BelgiumKBO/BCE: BE 0475.116.094
Summary

GOVERS VERZEKERINGEN has been active since 2001 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31,627 and a net result of €1,978. Equity is growing by about 5.2% per year across the filed financial years. The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisFollow ReportCompare
GOVERS VERZEKERINGENActiveChecked score 89/100
Risk analysis ReportCompare

Overview

Activity
Activity not known1 site
Size
≈ €140,000turnover 2025, estimated
Equity
€31,627
Profit
€1,978
Turnover estimated from the gross margin
Financial health
89 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Structure
2025 accounts 10 days early1 of 4 deeds summarised
Why 89lowers riskSize: total assets €155,035Founded in 2001Figures for financial year 2025 (filed 21-07-2026)No main activity registeredShow the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 47% of its sector peers (no NACE code, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 45+2
equity 20.4% of total assets
Liquidity 53+42
short-term debt 14.4% · cash 4.7%
Profitability 70=
return on assets 1.3%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.3%▲ +0.1 percentage points vs 05-2025 07-2025: 0.4%▲ +0.1 percentage points vs 06-2025highest value 08-2025: 0.2%▼ -0.2 percentage points vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.3%▲ +0.1 percentage points vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.2%▼ -0.1 percentage points vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026lowest value 10-2026: 0.2%● unchanged vs 09-2026lowest value
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity ample (current ratio 5.03, compared with 0.68 in 2024, above the usual 1.5; short-term debt: 14.4% and cash: 4.7% of total assets), but 79.6% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 (no NACE code, micro): better than 28% on solvency, 48% on liquidity, 50% on profitability and 63% on growth.

The bankruptcy probability was computed on 29-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskneutral
lowers risk · Size: total assets €155,035
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Founded in 2001
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Figures for financial year 2025 (filed 21-07-2026)
NBB · annual accounts
lowers risk · No main activity registered
KBO
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 21-07-2026, 10 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
10 days early
2024
15 days early
2023
34 days early
2022
31 days early
2021
32 days early
2020
33 days early
2019
35 days early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 27 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 30 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Liquidity more than 7 timescurrent ratio 5.03
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 5 profitable years in a rowprofit 2025: €1,978 5 years View
  • Board2 directors in office 2 View

By topic

Financials

Financial year
2025
Total assets
€155,035
Profit
€1,978
Solvency
20.4%
Total assets▼ 6.4%
Net result
20182025
Go to Financials

Board & ownership

Board
2 members
  • GOVERS,Didier Joseph MichelDirector
  • RAHOENS,Carine DeniseDirector
Go to Board & ownership

Timeline

Events
31
Since
2003
Next accounts
by 31-07-2027
  1. 27-06-2024Annual accounts filed
  2. 31-12-2023Highest result from 2018 to 2025
  3. 13-12-2023Resignations: GOVERS,Didier Joseph Michel (manager) and RAHOENS,Carine…
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Founded
28-06-2001
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about GOVERS VERZEKERINGEN

What is the company number of GOVERS VERZEKERINGEN?
0475.116.094. In Belgium the VAT number is the company number with BE in front: BE 0475.116.094.
Where is GOVERS VERZEKERINGEN based?
The registered office is at Pepingensesteenweg 165, 1600 Sint-Pieters-Leeuw.Company details
What is the legal form of GOVERS VERZEKERINGEN?
Private limited company (BV).
When was GOVERS VERZEKERINGEN founded?
On 28-06-2001.
Is GOVERS VERZEKERINGEN still active?
Yes, GOVERS VERZEKERINGEN is an active enterprise in the KBO register.
What is the turnover of GOVERS VERZEKERINGEN?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is GOVERS VERZEKERINGEN profitable?
In financial year 2025, GOVERS VERZEKERINGEN made a profit of €1,978.
Where can I find the annual accounts of GOVERS VERZEKERINGEN?
GOVERS VERZEKERINGEN filed 24 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of GOVERS VERZEKERINGEN due?
By 31-07-2027, for financial year 2026.Timeline

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