GVG-CONSULTING
ActiveGVG-CONSULTING has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €146k and a net result of €-12k. Equity is growing by ~16.3% per year across the filed fiscal years. Its solvency ranks better than 65% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth52=
Stability94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.87 against 20.98 in 2024), and 29.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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 30-04-2026, 92 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
92 d early
2024
9 d early
2023
30 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€146k▼ 7.5%
2024 · €158k
2023: €98k
2024: €158k
2023 → 2025
Total assets
€208k▲ 25.8%
2024 · €166k
2023: €113k
2024: €166k
2023 → 2025
Net result
€-12k
2024 · €59k
2023: €88k
2024: €59k
2023 → 2025
Working capital
€61k▼ 60.1%
2024 · €154k
2023: €94k
2024: €154k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€98k-€158k▲ 60.5%€146k▼ 7.5%
Operating result€120k-€79k▼ 34.4%€-8k
Net result€88k-€59k▼ 32.6%€-12k
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 €8k after €79k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €208k
Fixed assets
€125k▲ 3,021%
Current assets
€83k▼ 48.7%
Equity and liabilities €208k
Equity
€146k▼ 7.5%
Debt
€62k▲ 696%
The debt ratio rises from 4.7% to 29.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-6k▼
2024 · €80k
Cash flow
€-10k▼
2024 · €61k
Solvency
70.1%▼
2024 · 95.3%
Current ratio
3.87▼
2024 · 20.98
Quick ratio
3.87▼
2024 · 20.98
Debt / equity
0.43▲
2024 · 0.05
ROE
-8.1%▼
2024 · 37.7%
ROA
-5.7%▼
2024 · 35.9%
Interest coverage
-1.48▼
2024 · 37.20
Debt
€62k▲
2024 · €8k
Debt ≤ 1 year
€21k▲
2024 · €8k
Debt > 1 year
€41k
Income taxes
€309▼
2024 · €17k
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€166k€208k▲
Fixed assets21/28€4k€125k▲
Tangible fixed assets22/27€4k€15k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€4k€4k▲
Other tangible fixed assets26-€9k
Financial fixed assets28-€110k
Current assets29/58€162k€83k▼
Amounts receivable within one year40/41€28k€19k▼
Trade receivables40€19k€2k▼
Other amounts receivable41€9k€17k▲
Current investments50/53-€46k
Cash at bank and in hand54/58€106k€15k▼
Deferred charges and accrued income490/1€27k€3k▼
Equity and liabilities
Total equity and liabilities10/49€166k€208k▲
Equity10/15€158k€146k▼
Contributions10/11€10k€10k=
Reserves13€148k€148k=
Distributable reserves133€148k€148k=
Profit (loss) carried forward14-€-12k
Amounts payable17/49€8k€62k▲
Amounts payable after more than one year17-€41k
Financial debts170/4-€41k
Amounts payable within one year42/48€8k€21k▲
Current portion of amounts payable after more than one year42-€12k
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€5k€2k▼
Taxes450/3€5k€2k▼
Other amounts payable47/48€0€5k▲
Accrued charges and deferred income492/3€133€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€81k€-4k▼
Operating profit (loss)9901€79k€-8k▼
Financial income75/76B€136€0▼
Recurring financial income75€136€0▼
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€77k€-11k▼
Income taxes67/77€17k€309▼
Profit (loss) for the period9904€59k€-12k▼
Profit (loss) for the period to be appropriated9905€59k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€-12k▼
Transfer to equity691/2€59k€0▼
To other reserves6921€59k€0▼
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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-12k ▼120%
Net result drops to €-12k, the lowest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 20.98
Current ratio from 7.23 to 20.98; short-term debt falls from €15k to €8k.
31-12
Financial
Equity above €150kEq €158k ▲60.5%
2 profitable years in a row build equity to €158k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro 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, Haaltert · 1 establishment unit since 2022
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.
Bergstraat(KE) 199451 HaaltertGround area
1,481 m²
Building footprint
146 m²
Volume, LiDAR
723 m³
Parcel 41033B0267/00R000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bergstraat(KE) 19, 9451 Haaltert
since 20222.334.769.907
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41033B0267/00R000 | Flanders | 1,481 m² | 1 · 146 m² | 9.9 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
894500R9F6BR0MTO5215
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 40,710 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-08-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.
Contact details
2 entriesWebsite:www.gvg-consulting.be
E-mail:gregory@gvg-consulting.be