GREGORY BOUW
ActiveThe annual accounts of GREGORY BOUW for fiscal year 2025 show a net loss of 68% of the equity at the start of that year. The 2025 annual accounts show equity of €34k and a net result of €-74k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 27676 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
36
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▼-60
Solvency28▼-8
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 2.2 against 2.46 in 2024; short-term debt: 44.4% and cash: 3% of total assets), but 97.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 27676 sector peers (2025).
NBB · sector comparisonPosition among 27676 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-12-2025, 128 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
128 d early
2024
92 d early
2023
53 d early
2022
55 d early
2021
1 d early
2020
on the day
2019
48 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▼ 68.2%
2024 · €108k
2018: €5k
2019: €81k
2020: €111k
2021: €16k
2022: €69k
2023: €94k
2024: €108k
2018 → 2025
Total assets
€1.21M▲ 28.6%
2024 · €942k
2018: €80k
2019: €166k
2020: €225k
2021: €225k
2022: €440k
2023: €660k
2024: €942k
2018 → 2025
Net result
€-74k
2024 · €15k
2018: €-7k
2019: €77k
2020: €30k
2021: €-95k
2022: €53k
2023: €25k
2024: €15k
2018 → 2025
Working capital
€648k▲ 21.4%
2024 · €534k
2018: €44k
2019: €88k
2020: €86k
2021: €-12k
2022: €90k
2023: €58k
2024: €534k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€69k▲ 327%€94k▲ 35.6%€108k▲ 15.4%€34k▼ 68.2%
Operating result€-82k-€57k€30k▼ 47.4%€29k▼ 4.1%€-60k
Net result€-95k-€53k€25k▼ 52.0%€15k▼ 39.9%€-74k
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 turns negative in 2025: a loss of €60k after €29k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.21M
Fixed assets
€25k▼ 39.7%
Current assets
€1.19M▲ 31.8%
Equity and liabilities €1.21M
Equity
€34k▼ 68.2%
Debt
€1.18M▲ 41.2%
The debt ratio rises from 88.5% to 97.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-43k▼
2024 · €48k
Cash flow
€-57k▼
2024 · €34k
Solvency
2.8%▼
2024 · 11.5%
Current ratio
2.20▼
2024 · 2.46
Quick ratio
0.71▼
2024 · 0.74
Debt / equity
34.29▲
2024 · 7.71
ROE
-214.8%▼
2024 · 14.1%
ROA
-6.1%▼
2024 · 1.6%
Interest coverage
-3.25▼
2024 · 7.44
Debt
€1.18M▲
2024 · €834k
Debt ≤ 1 year
€538k▲
2024 · €366k
Debt > 1 year
€639k▲
2024 · €459k
Income taxes
€470▼
2024 · €7k
Staff costs
€50k▼
2024 · €84k
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€942k€1.21M▲
Fixed assets21/28€42k€25k▼
Tangible fixed assets22/27€38k€21k▼
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€29k€15k▼
Financial fixed assets28€4k€4k=
Current assets29/58€900k€1.19M▲
Stocks and contracts in progress3€630k€803k▲
Stocks30/36€574k€748k▲
Contracts in progress37€55k€55k=
Amounts receivable within one year40/41€258k€347k▲
Trade receivables40€249k€347k▲
Other amounts receivable41€9k€469▼
Cash at bank and in hand54/58€6k€36k▲
Deferred charges and accrued income490/1€6k€0▼
Equity and liabilities
Total equity and liabilities10/49€942k€1.21M▲
Equity10/15€108k€34k▼
Contributions10/11€12k€12k=
Reserves13€98k€98k=
Distributable reserves133€98k€98k=
Profit (loss) carried forward14€-3k€-76k▼
Amounts payable17/49€834k€1.18M▲
Amounts payable after more than one year17€459k€639k▲
Financial debts170/4€0-
Other amounts payable178/9€459k€639k▲
Amounts payable within one year42/48€366k€538k▲
Current portion of amounts payable after more than one year42€3k€0▼
Financial debts43€140k€358k▲
Credit institutions430/8€140k€358k▲
Trade debts44€122k€156k▲
Suppliers440/4€122k€156k▲
Taxes, remuneration and social security45€42k€25k▼
Taxes450/3€12k€8k▼
Remuneration and social security454/9€29k€17k▼
Other amounts payable47/48€59k€0▼
Accrued charges and deferred income492/3€9k€0▼
Income statement
Code20242025
Non-recurring operating income76A€4k€2k▼
Remuneration, social security and pensions62€84k€50k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€17k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€61k€870▼
Other operating charges640/8€6k€3k▼
Non-recurring operating charges66A€8k€0▼
Gross operating margin9900€208k€11k▼
Operating profit (loss)9901€29k€-60k▼
Financial income75/76B€259€367▲
Recurring financial income75€259€367▲
Financial charges65/66B€6k€13k▲
Recurring financial charges65€6k€13k▲
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€23k€-73k▼
Income taxes67/77€7k€470▼
Profit (loss) for the period9904€15k€-74k▼
Profit (loss) for the period to be appropriated9905€15k€-74k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-76k▼
Profit (loss) brought forward from the previous period14P€-17k€-3k▲
Profit to be distributed694/7€833€0▼
Return on contributions (dividend)694€833€0▼
Social balance
Average headcount (FTE)90871.7-
The notes to these accounts (11 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
2025
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Liquidity doublescurrent ratio 2.46
Current ratio from 1.11 to 2.46; short-term debt falls from €543k to €366k.
30-09
Financial
Equity above €100kEq €108k ▲15.4%
3 profitable years in a row build equity to €108k.
08-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €53k
Net result €53k after one loss-making year.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €-95k ▼412%
Net result drops to €-95k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €100kEq €111k ▲36.4%
2 profitable years in a row build equity to €111k.
13-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €77k
Net result €77k after one loss-making year.
26-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lokeren · 1 establishment unit since 2017
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.
Eksaardsedam 379160 LokerenGround area
597 m²
Building footprint
213 m²
Volume, LiDAR
814 m³
Parcel 46007B0163/00G000, Flanders · tallest building 6.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Gregory Bouw
since 20172.264.242.591
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46007B0163/00G000 | Flanders | 597 m² | 1 · 213 m² | 6.8 m · 1 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.
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Of 4,013 companies in sector 43310 we hold annual accounts for 1,745. 1,475 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-04-2017
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
43310Plastering work
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.