GUVA
ActiveSummary
The annual accounts of GUVA for fiscal year 2025 show a net loss of 52% of the equity at the start of that year. The 2025 annual accounts show equity of €4,570 and a net result of -€5,008. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 28184 sector peers (fiscal year 2025). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-76
Solvency51▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit 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 tight (current ratio 1.31 against 3.44 in 2024; short-term debt: 74.3% and cash: 79.2% of total assets), and 74.3% of the assets are financed with debt.
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Signals
Four 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
25.7%
Return on assets
-28.2%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
51 d early
2023
57 d early
2022
80 d early
2021
54 d early
2020
50 d early
2019
45 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 44 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€4,570▼ 52.3%
2024 · €9,578
Total assets
€17,769▼ 50.6%
2024 · €36,001
Net result
-€5,008
2024 · €2,068
Working capital
€4,059▼ 82.3%
2024 · €22,949
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€7,144▼ 73.4%€1,575▼ 78.0%€8,912▲ 466%€3,164▼ 64.5%-€4,206
Net result€5,074▼ 74.4%€1,112▼ 78.1%€6,479▲ 483%€2,068▼ 68.1%-€5,008
Equity-€81▲ 98.4%€1,031€7,510▲ 628%€9,578▲ 27.5%€4,570▼ 52.3%
Total assets€32,912▼ 28.8%€38,959▲ 18.4%€29,783▼ 23.6%€36,001▲ 20.9%€17,769▼ 50.6%
Debt€32,993▼ 35.8%€37,928▲ 15.0%€22,273▼ 41.3%€26,423▲ 18.6%€13,199▼ 50.0%
Working capital€17,978▼ 5.4%€12,789▼ 28.9%€16,487▲ 28.9%€22,949▲ 39.2%€4,059▼ 82.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4,206 after €3,164 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17,769
Fixed assets
€511 ▼ 85.9%
Current assets
€17,258 ▼ 46.7%
Equity and liabilities €17,769
Equity
€4,570 ▼ 52.3%
Debt
€13,199 ▼ 50.0%
Debt's share of the balance-sheet total rises from 73.4% to 74.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€2,914▼
2024 · €10,058
Cash flow
-€3,716▼
2024 · €8,962
Current ratio
1.31▼
2024 · 3.44
Quick ratio
1.19▼
2024 · 3.44
Debt to equity
2.89▲
2024 · 2.76
ROE
-109.6%▼
2024 · 21.6%
ROA
-28.2%▼
2024 · 5.7%
Interest coverage
-30.67▼
2024 · 99.58
Debt ≤ 1 year
€13,199▲
2024 · €9,423
Income taxes
€707▼
2024 · €995
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,219 companies that looked in July 2024 the way this one looks now, 3.5% went bankrupt within 24 months and 88% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
3.5%
went bankrupt
7.4%
stopped otherwise
88%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,219 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €585 | - | €3,174 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,728 | €6,934 | €7,185 | €6,894 | €1,292 | ▼ 81.3% |
| Other operating charges640/8 | €483 | €606 | €581 | €549 | €597 | ▲ 8.7% |
| Gross operating margin9900 | €11,355 | €9,115 | €16,678 | €10,607 | -€2,317 | ▼ 122% |
| Operating profit (loss)9901 | €7,144 | €1,575 | €8,912 | €3,164 | -€4,206 | ▼ 233% |
| Financial income75/76B | €140 | €97 | €205 | - | - | - |
| Recurring financial income75 | €140 | €97 | €205 | - | - | - |
| Financial charges65/66B | €245 | €92 | €99 | €101 | €95 | ▼ 5.9% |
| Recurring financial charges65 | €81 | €92 | €99 | €101 | €95 | ▼ 5.9% |
| Non-recurring financial charges66B | €164 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €7,039 | €1,580 | €9,018 | €3,063 | -€4,301 | ▼ 240% |
| Income taxes67/77 | €1,965 | €468 | €2,539 | €995 | €707 | ▼ 28.9% |
| Profit (loss) for the period9904 | €5,074 | €1,112 | €6,479 | €2,068 | -€5,008 | ▼ 342% |
| Profit (loss) for the period to be appropriated9905 | €5,074 | €1,112 | €6,479 | €2,068 | -€5,008 | ▼ 342% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €32,912 | €38,959 | €29,783 | €36,001 | €17,769 | ▼ 50.6% |
| Fixed assets21/28 | €8,441 | €14,742 | €8,023 | €3,629 | €511 | ▼ 85.9% |
| Tangible fixed assets22/27 | €8,441 | €14,742 | €8,023 | €3,629 | €511 | ▼ 85.9% |
| Land and buildings22 | €945 | €810 | €675 | €540 | €405 | ▼ 25.0% |
| Plant, machinery and equipment23 | €2,528 | €1,567 | €411 | €1,953 | - | - |
| Furniture and vehicles24 | €4,968 | €12,365 | €6,937 | €1,136 | €106 | ▼ 90.7% |
| Current assets29/58 | €24,471 | €24,217 | €21,760 | €32,372 | €17,258 | ▼ 46.7% |
| Stocks and contracts in progress3 | - | - | - | - | €1,500 | - |
| Contracts in progress37 | - | - | - | - | €1,500 | - |
| Amounts receivable within one year40/41 | €3,991 | €8,441 | €4,039 | €21,551 | €1,500 | ▼ 93.0% |
| Trade receivables40 | €2,212 | €5,828 | €2,212 | €19,826 | - | - |
| Other amounts receivable41 | €1,779 | €2,613 | €1,827 | €1,725 | €1,500 | ▼ 13.0% |
| Cash at bank and in hand54/58 | €19,632 | €14,926 | €17,502 | €10,636 | €14,072 | ▲ 32.3% |
| Deferred charges and accrued income490/1 | €848 | €850 | €219 | €185 | €186 | ▲ 0.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €32,912 | €38,959 | €29,783 | €36,001 | €17,769 | ▼ 50.6% |
| Equity10/15 | -€81 | €1,031 | €7,510 | €9,578 | €4,570 | ▼ 52.3% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€18,681 | -€17,569 | -€11,090 | -€9,022 | -€14,030 | ▼ 55.5% |
| Amounts payable17/49 | €32,993 | €37,928 | €22,273 | €26,423 | €13,199 | ▼ 50.0% |
| Amounts payable after more than one year17 | €26,500 | €26,500 | €17,000 | €17,000 | - | - |
| Financial debts170/4 | €26,500 | €26,500 | €17,000 | €17,000 | - | - |
| Amounts payable within one year42/48 | €6,493 | €11,428 | €5,273 | €9,423 | €13,199 | ▲ 40.1% |
| Trade debts44 | €111 | €3,928 | €81 | €2,144 | - | - |
| Suppliers440/4 | €111 | €3,928 | €81 | €2,144 | - | - |
| Taxes, remuneration and social security45 | €6,369 | €4,403 | €4,977 | €4,876 | €744 | ▼ 84.7% |
| Taxes450/3 | €6,369 | €4,403 | €4,977 | €4,876 | €744 | ▼ 84.7% |
| Other amounts payable47/48 | €13 | €3,097 | €215 | €2,403 | €12,455 | ▲ 418% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,074 | €1,112 | €6,479 | €2,068 | -€5,008 | ▼ 342% |
| + Depreciation and write-downs630 | €3,728 | €6,934 | €7,185 | €6,894 | €1,292 | ▼ 81.3% |
| Operating cash flow (approximation) | €8,802 | €8,046 | €13,664 | €8,962 | -€3,716 | ▼ 141% |
| Investment in fixed assets (approximation) | - | -€13,235 | -€466 | -€2,500 | €1,826 | ▲ 173% |
| Change in cash | - | -€4,706 | €2,576 | -€6,866 | €3,436 | ▲ 150% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Weakest financial yearnet -€5,008
Net result drops to -€5,008, the lowest in the series.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €19,823 ▲11.4%
Operating result €26,823, net result €19,823, both a record.
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 395 days late
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Houthalen-Helchteren · 1 establishment unit since 1998
Ground area
1,187 m²
Building footprint
160 m²
Volume, LiDAR
793 m³
Parcel 72014C0521/00N002, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Genkseweg 32, 3530 Houthalen-Helchteren
since 19982.087.894.910
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72014C0521/00N002 | Flanders | 1,187 m² | 1 · 160 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 3,960 companies in sector 43331 we hold annual accounts for 1,788. 677 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded11-05-1998
Fiscal year end31-12
Activities, NACEBEL 2025
43331Floor and wall tiling
68121Development of residential building projects
42110Construction of roads and motorways
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
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Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.