GVDIS
ActiveGVDIS has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.31M and a net result of €1.13M. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 40% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
78
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency49▼-3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 1.22 in 2024), and 71.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
28.9%
Return on assets
25%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
21 d late
2022
58 d late
2021
30 d late
2020
18 d late
2019
27 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€1.13M▼ 6.9%
2024 · €1.21M
2018: €234k
2019: €405k
2020: €673k
2021: €940k
2022: €969k
2023: €1.04M
2024: €1.21M
2018 → 2025
Working capital
€598k▼ 2.8%
2024 · €616k
2018: €334k
2019: €721k
2020: €388k
2021: €427k
2022: €458k
2023: €549k
2024: €616k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€541k-€610k▲ 12.7%€1.15M▲ 88.4%€1.28M▲ 11.3%€1.31M▲ 2.4%
Operating result€1.29M-€1.32M▲ 2.2%€1.41M▲ 6.9%€1.63M▲ 15.4%€1.54M▼ 5.9%
Net result€940k-€969k▲ 3.1%€1.04M▲ 7.2%€1.21M▲ 17.0%€1.13M▼ 6.9%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.53M
Fixed assets
€772k▼ 4.2%
Current assets
€3.76M▲ 8.8%
Equity and liabilities €4.53M
Equity
€1.31M▲ 2.4%
Debt
€3.22M▲ 8.1%
The debt ratio rises from 70.0% to 71.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€1.77M▼
2024 · €1.83M
Cash flow
€1.36M▼
2024 · €1.42M
Solvency
28.9%▼
2024 · 30.0%
Current ratio
1.19▼
2024 · 1.22
Quick ratio
1.02▼
2024 · 1.03
Debt / equity
2.46▲
2024 · 2.33
ROE
86.4%▼
2024 · 95.1%
ROA
25.0%▼
2024 · 28.5%
Interest coverage
46.08▼
2024 · 47.33
Debt
€3.22M▲
2024 · €2.98M
Debt ≤ 1 year
€3.16M▲
2024 · €2.84M
Income taxes
€387k▼
2024 · €412k
Staff costs
€1.56M▲
2024 · €1.44M
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€4.26M€4.53M▲
Fixed assets21/28€806k€772k▼
Tangible fixed assets22/27€799k€765k▼
Plant, machinery and equipment23€734k€722k▼
Furniture and vehicles24€65k€43k▼
Financial fixed assets28€7k€8k▲
Current assets29/58€3.45M€3.76M▲
Stocks and contracts in progress3€541k€550k▲
Stocks30/36€541k€550k▲
Amounts receivable within one year40/41€285k€381k▲
Trade receivables40€241k€339k▲
Other amounts receivable41€44k€43k▼
Current investments50/53-€1.00M
Cash at bank and in hand54/58€2.59M€1.78M▼
Deferred charges and accrued income490/1€38k€45k▲
Equity and liabilities
Total equity and liabilities10/49€4.26M€4.53M▲
Equity10/15€1.28M€1.31M▲
Contributions10/11€60k€60k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Profit (loss) carried forward14€1.21M€1.24M▲
Amounts payable17/49€2.98M€3.22M▲
Amounts payable within one year42/48€2.84M€3.16M▲
Trade debts44€1.39M€1.67M▲
Suppliers440/4€1.39M€1.67M▲
Bills of exchange payable441€477€442▼
Taxes, remuneration and social security45€458k€470k▲
Taxes450/3€239k€227k▼
Remuneration and social security454/9€218k€242k▲
Other amounts payable47/48€990k€1.02M▲
Accrued charges and deferred income492/3€144k€62k▼
Income statement
Code20242025
Remuneration, social security and pensions62€1.44M€1.56M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€200k€232k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€3.27M€3.33M▲
Operating profit (loss)9901€1.63M€1.54M▼
Financial income75/76B€34k€20k▼
Recurring financial income75€34k€20k▼
Financial charges65/66B€39k€38k▼
Recurring financial charges65€39k€38k▼
Profit (loss) for the period before taxes9903€1.63M€1.52M▼
Income taxes67/77€412k€387k▼
Profit (loss) for the period9904€1.21M€1.13M▼
Profit (loss) for the period to be appropriated9905€1.21M€1.13M▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.30M€2.34M▲
Profit (loss) brought forward from the previous period14P€1.08M€1.21M▲
Profit to be distributed694/7€1.09M€1.10M▲
Return on contributions (dividend)694€1.09M€1.10M▲
Social balance
Average headcount (FTE)908736.838.1▲
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 26 days late
2024
31-12
Financial
Highest result since 2018net €1.21M ▲17%
Operating result €1.63M, net result €1.21M, both a record.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 21 days late
2023
31-12
Financial
Equity above €1MEq €1.15M ▲88.4%
6 profitable years in a row build equity to €1.15M.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 58 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 18 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 27 days late
2019
31-12
Financial
Equity above €500kEq €858k ▲89.4%
2 profitable years in a row build equity to €858k.
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 69 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 56 days late
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, Incourt · 1 establishment unit since 2016
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.
Rue du Commandant Michaux 7A1315 IncourtGround area
6,142 m²
Building footprint
272 m²
Volume, LiDAR
649 m³
2 parcels, Wallonia · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AD DELHAIZE
since 20162.258.376.467
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25035B0471/00T000 | Wallonia | 5,096 m² | 1 · 120 m² | 6.9 m · 2 fl. |
| 92053A0066/00N003 | Wallonia | 1,045 m² | 1 · 151 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyGembloux2.258.376.467
Legal Entity Identifier
254900IXFFBA8I0JZE68
Similar companies · same sector, comparable size
VANDEN MEERSSCHE RETAIL
BE 0839.341.889
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VAN den BERGH
BE 0436.875.033
Leuven · Eq €1.30M
FERNEL-DIS
BE 0860.790.173
Fernelmont · Eq €1.32M
SUPERMARKT DE EIK
BE 0505.991.590
Nazareth-De Pinte · Eq €1.30M
TODOCLARO
BE 0836.999.934
Herent · Eq €1.32M
Of 10,409 companies in sector 47110 we hold annual accounts for 5,787. 1,939 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-2016
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47114Supermarkets
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.