GUV Construct
ActiveGUV Construct has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €152k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 9088 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency16▼-28
Growth78▲+46
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.0 in 2024), and 98.9% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
1.1%
Return on assets
1.7%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 9088 sector peers (2025).
NBB · sector comparisonPosition among 9088 sector peers
Solvency
better than 18%
← weakest
strongest →
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 08-07-2026, 23 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
23 d early
2024
17 d early
2023
19 d early
2022
18 d early
2021
17 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€96k
2024 · €-56k
2021: €43k
2022: €40k
2023: €-17k
2024: €-56k
2021 → 2025
Total assets
€8.75M▼ 3.9%
2024 · €9.11M
2021: €3.53M
2022: €9.05M
2023: €3.34M
2024: €9.11M
2021 → 2025
Net result
€152k
2024 · €-38k
2021: €-17k
2022: €-4k
2023: €-57k
2024: €-38k
2021 → 2025
Working capital
€1.30M
2024 · €-24k
2021: €43k
2022: €40k
2023: €58k
2024: €-24k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€40k▼ 8.7%€-17k€-56k▼ 222%€96k
Operating result€-16k-€-4k▲ 78.3%€-57k▼ 1,493%€-34k▲ 40.1%€165k
Net result€-17k-€-4k▲ 77.3%€-57k▼ 1,415%€-38k▲ 32.6%€152k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €165k after a loss of €34k in 2024, the highest year so far.
Balance-sheet composition
Equity and liabilities €8.75M
Equity
€96k
Debt
€8.65M
Debt finances 98.9% of the balance-sheet total.
Key figures and ratios
Solvency
1.1%▲
2024 · -0.6%
Current ratio
1.17▲
2024 · 1.00
Quick ratio
0.36▲
2024 · 0.12
Debt / equity
90.12
ROE
158.1%▲
2024 · 68.9%
ROA
1.7%▲
2024 · -0.4%
Debt
€8.65M▼
2024 · €9.17M
Debt ≤ 1 year
€7.45M▼
2024 · €9.13M
Income taxes
€13k
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€9.11M€8.75M▼
Current assets29/58€9.11M€8.75M▼
Stocks and contracts in progress3€8.06M€6.08M▼
Stocks30/36€8.06M€6.08M▼
Amounts receivable within one year40/41€33k€270k▲
Trade receivables40-€260k
Other amounts receivable41€33k€10k▼
Cash at bank and in hand54/58€760k€1.15M▲
Deferred charges and accrued income490/1€260k€1.25M▲
Equity and liabilities
Total equity and liabilities10/49€9.11M€8.75M▼
Equity10/15€-56k€96k▲
Contributions10/11€60k€60k=
Profit (loss) carried forward14€-116k€36k▲
Amounts payable17/49€9.17M€8.65M▼
Amounts payable within one year42/48€9.13M€7.45M▼
Financial debts43€2.12M-
Credit institutions430/8€2.12M-
Trade debts44€813k€605k▼
Suppliers440/4€813k€605k▼
Advances received on contracts in progress46€3.79M€5.70M▲
Taxes, remuneration and social security45-€13k
Taxes450/3-€13k
Other amounts payable47/48€2.41M€1.13M▼
Accrued charges and deferred income492/3€32k€1.21M▲
Income statement
Code20242025
Other operating charges640/8€4k€3k▼
Gross operating margin9900€-30k€168k▲
Operating profit (loss)9901€-34k€165k▲
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€5k€350▼
Recurring financial charges65€150€216▲
Non-recurring financial charges66B€4k€134▼
Profit (loss) for the period before taxes9903€-38k€165k▲
Income taxes67/77-€13k
Profit (loss) for the period9904€-38k€152k▲
Profit (loss) for the period to be appropriated9905€-38k€152k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-116k€36k▲
Profit (loss) brought forward from the previous period14P€-77k€-116k▼
The notes to these accounts (4 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €152k
Net result €152k after 4 loss-making years.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-57k
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2024
BV VGV INVEST
CurrentDirector · since 15-05-2024 · Legal entity · perm. rep.: Stefan VANGRONSVELD
15-05-2024
BV VGV INVEST: Appointed as Director
15-05-2024
NV GILEN IMMOBILIEN: Resigned as Director
Location & real-estate footprint
Registered office, Hasselt · 1 establishment unit since 2020
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.
Kolonel Dusartplein 203500 HasseltGround area
789 m²
Building footprint
257 m²
Volume, LiDAR
3,851 m³
Parcel 71022H0530/00R003, Flanders · tallest building 17.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
GUV Construct
since 20202.307.382.847
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71022H0530/00R003 | Flanders | 789 m² | 1 · 257 m² | 17.6 m · 5 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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YankeeMikeBravo
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Of 9,637 companies in sector 68121 we hold annual accounts for 7,329. 5,252 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-08-2020
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.