GVB ET CO CONSULT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €76k and a net result of €-1k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 88% of 489 sector peers (fiscal year 2025). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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
11 d late
2024
28 d late
2023
60 d late
2022
31 d late
2021
30 d late
2019
40 d late
2018
14 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€76k▼ 9.6%
2024 · €84k
2018: €66k
2019: €71k
2021: €81k
2022: €81k
2023: €82k
2024: €84k
2018 → 2025
Net result
€-1k
2024 · €2k
2018: €-1k
2019: €4k
2021: €3k
2022: €267
2023: €738
2024: €2k
2018 → 2025
Total assets
€87k▼ 1.1%
2024 · €88k
2018: €80k
2019: €84k
2021: €82k
2022: €84k
2023: €86k
2024: €88k
2018 → 2025
Solvency
86.7%▼ 8.1pp
2024 · 94.8%
2018: 82.6%
2019: 84.6%
2021: 98.3%
2022: 96.2%
2023: 94.8%
2024: 94.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€16k-€22k▲ 38.7%€23k▲ 5.0%€27k▲ 19.4%€24k▼ 12.4%
Equity€81k-€81k▲ 0.3%€82k▲ 0.9%€84k▲ 2.7%€76k▼ 9.6%
Operating result€-1k-€-5k▼ 291%€-3k▲ 31.7%€-2k▲ 43.3%€-5k▼ 197%
Net result€3k-€267▼ 91.3%€738▲ 177%€2k▲ 199%€-1k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €2k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €87k
Equity
€76k▼ 9.6%
Debt
€12k▲ 152%
The debt ratio rises from 5.2% to 13.3%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
86.7%▼
2024 · 94.8%
ROE
-1.3%▼
2024 · 2.6%
ROA
-1.2%▼
2024 · 2.5%
Debt
€12k▲
2024 · €5k
Debt ≤ 1 year
€12k▲
2024 · €5k
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€88k€87k▼
Current assets29/58€88k€87k▼
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€84k€84k▼
Other amounts receivable41€84k€84k▼
Current investments50/53€891€277▼
Equity and liabilities
Total equity and liabilities10/49€88k€87k▼
Equity10/15€84k€76k▼
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€76k€68k▼
Amounts payable17/49€5k€12k▲
Amounts payable within one year42/48€5k€12k▲
Trade debts44€4k€4k=
Suppliers440/4€4k€4k=
Taxes, remuneration and social security45€608€608=
Taxes450/3€608€608=
Other amounts payable47/48-€7k
Income statement
Code20242025
Turnover70€27k€24k▼
Goods, raw materials, services and sundry goods60/61€28k€26k▼
Other operating charges640/8€387€3k▲
Gross operating margin9900€-1k€-2k▼
Operating profit (loss)9901€-2k€-5k▼
Financial income75/76B€5k€5k▼
Recurring financial income75€5k€5k▼
Financial charges65/66B€307€275▼
Recurring financial charges65€307€275▼
Profit (loss) for the period before taxes9903€3k€-1k▼
Income taxes67/77€608-
Profit (loss) for the period9904€2k€-1k▼
Profit (loss) for the period to be appropriated9905€2k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€76k€75k▼
Profit (loss) brought forward from the previous period14P€74k€76k▲
Profit to be distributed694/7-€7k
Directors or managers695-€7k
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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 11 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 60 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
31-12
Financial
Liquidity times 9current ratio 58.59
Current ratio from 6.50 to 58.59; short-term debt falls from €13k to €1k.
2020
09-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 40 days late
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 14 days late
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-04
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
21-04
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Vorst · 1 establishment unit since 2000
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.
Ukkelse laan 351190 VorstGround area
132 m²
Building footprint
104 m²
Volume, LiDAR
1,065 m³
Parcel 21382C0227/00M026, Brussels · tallest building 18.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
GVB
since 20002.094.049.658
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21382C0227/00M026 | Brussels | 132 m² | 1 · 104 m² | 18.4 m · 4 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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JO.VE
BE 0791.795.360
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CELESTAPOL
BE 1008.979.449
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AVUATS
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Of 1,507 companies in sector 66199 we hold annual accounts for 917. 600 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-09-2000
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
67130
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 24 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.