GROUP GEVARO
ActiveGROUP GEVARO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €256k and a net result of €-2k. Equity is growing by ~36.7% per year across the filed fiscal years. Its solvency ranks better than 76% of 1093 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
70
/ 100
Healthy▼ -30 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100▲+1
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 3.61 against 3.03 in 2024), and 33.8% 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.
−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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
26 d late
2023
35 d late
2022
29 d late
2021
30 d late
2020
30 d late
2019
90 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€256k▼ 0.9%
2024 · €259k
2022: €101k
2023: €29k
2024: €259k
2022 → 2025
Total assets
€387k▼ 9.2%
2024 · €426k
2022: €289k
2023: €235k
2024: €426k
2022 → 2025
Net result
€-2k
2024 · €261k
2022: €14k
2023: €-71k
2024: €261k
2022 → 2025
Working capital
€194k▲ 4.7%
2024 · €186k
2022: €68k
2023: €-7k
2024: €186k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€101k-€29k▼ 70.9%€259k▲ 783%€256k▼ 0.9%
Operating result€25k-€-64k€376k€8k▼ 97.7%
Net result€14k-€-71k€261k€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 98% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €387k
Fixed assets
€118k▼ 20.5%
Current assets
€269k▼ 3.1%
Equity and liabilities €387k
Equity
€256k▼ 0.9%
Debt
€131k▼ 21.9%
The debt ratio falls from 39.3% to 33.8%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€52k▼
2024 · €433k
Cash flow
€42k▼
2024 · €318k
Solvency
66.2%▲
2024 · 60.7%
Current ratio
3.61▲
2024 · 3.03
Quick ratio
3.46▲
2024 · 2.81
Debt / equity
0.51▼
2024 · 0.65
ROE
-0.9%▼
2024 · 101.0%
ROA
-0.6%▼
2024 · 61.3%
Interest coverage
7.57▼
2024 · 28.16
Debt
€131k▼
2024 · €168k
Debt ≤ 1 year
€74k▼
2024 · €92k
Debt > 1 year
€56k▼
2024 · €76k
Income taxes
€8k▼
2024 · €100k
Staff costs
€59
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
Total assets
20/58€426k€387k▼
Fixed assets
21/28€149k€118k▼
Tangible fixed assets
22/27€149k€118k▼
Current assets
29/58€277k€269k▼
Stocks & contracts in progress
3€20k€11k▼
Amounts receivable within one year
40/41€178k€252k▲
Cash & bank
54/58€79k€6k▼
Total equity & liabilities
10/49€426k€387k▼
Equity
10/15€259k€256k▼
Contributions / capital
10/11€25k€25k=
Reserves
13€234k€234k=
Accumulated profits (losses)
14-€-2k
Amounts payable
17/49€168k€131k▼
Amounts payable after one year
17€76k€56k▼
Amounts payable within one year
42/48€92k€74k▼
Trade debts payable within one year
44€5k€28k▲
Income statement
Code20242025
Gross operating margin
9900€437k€60k▼
Operating result
9901€376k€8k▼
Financial income
75€307€4k▲
Financial charges
65€15k€7k▼
Result before taxes
9903€361k€6k▼
Income taxes
67/77€100k€8k▼
Net result for the period
9904€261k€-2k▼
Result to be appropriated
9905€261k€-2k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Back to profitnet €261k
Net result €261k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.03
Current ratio from 0.89 to 3.03.
31-12
Financial
Equity above €200kEq €259k ▲783%
Equity rises from €29k to €259k.
04-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 35 days late
2023
31-12
Financial
Weakest financial yearnet €-71k ▼593%
Net result drops to €-71k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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Of 29,664 companies in sector 41001 we hold annual accounts for 15,231. 11,065 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-09-2008
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
01610Support activities for crop production
43990Other specialised construction activities
43999Specialised construction activities
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 19-07-2026. Scores and ratios are computed by Checked and are not a credit decision.