GVDE GESTION · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of GVDE GESTION is 0.3% (very low). The 2025 annual accounts show equity of €325k and a net result of €82k. Equity is growing by ~55.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 1943 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

3 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 95% of 1943 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

A punctual record breaks

This company filed 3 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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.

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	02-02-2026	2 d late	2026-00030555
30-06-2024	31-01-2025	13-11-2024	79 d early	2024-00533428
30-06-2023	31-01-2024	03-11-2023	89 d early	2023-00504979
30-06-2022	31-01-2023	12-12-2022	50 d early	2022-20536749

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.3% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€82k-32.2%

Working capital€97k-59.8%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 02-02-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~55.7%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 69, Legal & accounting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	95.1%	53.8%	better than 95% of 1943 sector peers
Net result	€82k	€43k	better than 75% of 1943 sector peers
Equity	€325k	€56k	better than 92% of 1944 sector peers
Gross operating margin	€64k	€68k	better than 47% of 1942 sector peers
Total assets	€341k	€133k	better than 81% of 1943 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P95

Improving position over 2022-2025 · n=1943-4818

Net result P75

Improving position over 2022-2025 · n=1943-4815

Equity P92

Improving position over 2022-2025 · n=1944-4818

Gross operating margin P47

Stable position over 2022-2025 · n=1942-4813

Describes the position versus peers, not a forecast.

Net profit

€82k

-32.2% 22-25

Total assets

€341k

+5.3% 22-25

Equity

€325k

+33.9% 22-25

Working capital

€97k

-59.8% 22-25

Income taxes

€31k

-38.7% 22-25

Debt

€17k

-79.6% 22-25

Debt ≤ 1y

€17k

-79.6% 22-25

Current ratio

6.86

+72.5% 22-25

Quick ratio

6.86

+72.5% 22-25

Solvency

95.1%

+27.1% 22-25

Debt / equity

0.05

-84.8% 22-25

ROE

25.3%

-49.4% 22-25

ROA

24.1%

-35.7% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	-
Net profit	€82k
Cash flow	-
Staff costs	-
Income taxes	€31k
Dividends	-
Total assets	€341k
Equity	€325k
Debt	€17k
of which ≤ 1y	€17k
of which > 1y	-
Working capital	€97k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	6.86
Quick ratio	6.86
Working capital ratio	28.5%
Solvency	95.1%
Debt / equity	0.05
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	24.1%
ROE	25.3%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €227k · 66.6% Current assets €114k · 33.4%

Equity & liabilities

Equity €325k · 95.1% Debt €17k · 4.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€341k
Fixed assets	21/28	€227k
Financial fixed assets	28	€227k
Current assets	29/58	€114k
Amounts receivable within one year	40/41	€106k
Cash & bank	54/58	€8k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€341k
Equity	10/15	€325k
Contributions / capital	10/11	€1k
Reserves	13	€323k
Accumulated profits (losses)	14	€68
Amounts payable	17/49	€17k
Amounts payable within one year	42/48	€17k
Income statement
Gross operating margin	9900	€64k
Operating result	9901	€63k
Financial income	75	€77k
Financial charges	65	€27k
Result before taxes	9903	€114k
Income taxes	67/77	€31k
Net result for the period	9904	€82k
Result to be appropriated	9905	€82k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

85 / 100 Excellent

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Grand' Place 211360 Perwez

Establishment units

1 location

GVDE GESTION

Grand' Place 21, 1360 PerwezVermogensbeheer

since 20212.319.810.032

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

All acts · 1 updated 2 months ago

2026

02-06-2026 General meeting · Officer discharge · Officer resignation · Permanent representative Open-capture extraction

General meeting: date: 2025-06-04, type: ordinaire · Géry van der ELST & Fanny BAIJOT, notaires associés
Officer discharge: role: administrateurs, period: exercice écoulé · Géry van der ELST & Fanny BAIJOT, notaires associés
Officer resignation: date: 2025-02-18, role: administrateur · GVDE GESTION
Permanent representative: role: représentante permanente · Fanny BAIJOT
Filing: date: 2026-05-19, court: TRIBUNAL DE L'ENTREPRISE DU BHE WALLON · Géry van der ELST & Fanny BAIJOT, notaires associés
Publication: date: 2026-06-02, publication: Belgisch Staatsblad · Géry van der ELST & Fanny BAIJOT, notaires associés
Act object: ASSEMBLEE GENERALE ORDINAIRE DU 04/06/2025

Summary: General meeting · Officer discharge · Officer resignation · Permanent representative

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

91 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 85

Profitability 100

Solvency 100

Growth 78

Stability 94

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