GVLC
ActiveGVLC has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €623k and a net result of €186k. Equity is growing by ~71.3% per year across the filed fiscal years. Its solvency ranks better than 28% of 3101 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
73
/ 100
Healthy▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency42▲+3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 33.55 against 35.33 in 2024), but 87.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
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
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
12.4%
Return on assets
3.7%
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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
34 d early
2022
13 d early
2021
12 d early
2020
4 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€623k▲ 42.5%
2024 · €438k
2020: €-322k
2021: €-211k
2022: €-76k
2023: €149k
2024: €438k
2020 → 2025
Total assets
€5.03M▲ 4.1%
2024 · €4.83M
2020: €4.02M
2021: €4.18M
2022: €4.32M
2023: €4.55M
2024: €4.83M
2020 → 2025
Net result
€186k▼ 35.6%
2024 · €289k
2020: €-332k
2021: €111k
2022: €135k
2023: €225k
2024: €289k
2020 → 2025
Working capital
€1.81M▲ 23.2%
2024 · €1.47M
2020: €82k
2021: €368k
2022: €651k
2023: €1.03M
2024: €1.47M
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-211k-€-76k▲ 63.9%€149k€438k▲ 194%€623k▲ 42.5%
Operating result€154k-€222k▲ 43.5%€252k▲ 13.8%€245k▼ 2.9%€233k▼ 4.9%
Net result€111k-€135k▲ 21.7%€225k▲ 66.8%€289k▲ 28.5%€186k▼ 35.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.03M
Fixed assets
€3.16M▼ 4.6%
Current assets
€1.87M▲ 23.3%
Equity and liabilities €5.03M
Equity
€623k▲ 42.5%
Debt
€4.41M▲ 0.3%
The debt ratio falls from 90.9% to 87.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€387k▼
2024 · €399k
Cash flow
€340k▼
2024 · €443k
Solvency
12.4%▲
2024 · 9.1%
Current ratio
33.55▼
2024 · 35.33
Quick ratio
33.55▼
2024 · 35.33
Debt / equity
7.07▼
2024 · 10.04
ROE
29.8%▼
2024 · 66.0%
ROA
3.7%▼
2024 · 6.0%
Interest coverage
9.34▼
2024 · 9.62
Debt
€4.41M▲
2024 · €4.39M
Debt ≤ 1 year
€56k▲
2024 · €43k
Debt > 1 year
€4.32M=
2024 · €4.32M
Income taxes
€51k▼
2024 · €56k
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€4.83M€5.03M▲
Fixed assets21/28€3.32M€3.16M▼
Tangible fixed assets22/27€3.32M€3.16M▼
Land and buildings22€3.31M€3.16M▼
Plant, machinery and equipment23€819€948▲
Furniture and vehicles24€7k€4k▼
Current assets29/58€1.51M€1.87M▲
Amounts receivable within one year40/41€56k€81k▲
Trade receivables40€53k€70k▲
Other amounts receivable41€3k€11k▲
Current investments50/53€1.36M€1.55M▲
Cash at bank and in hand54/58€86k€223k▲
Deferred charges and accrued income490/1€8k€8k▲
Equity and liabilities
Total equity and liabilities10/49€4.83M€5.03M▲
Equity10/15€438k€623k▲
Contributions10/11€10k€10k=
Reserves13€428k€613k▲
Distributable reserves133€428k€613k▲
Amounts payable17/49€4.39M€4.41M▲
Amounts payable after more than one year17€4.32M€4.32M=
Financial debts170/4€4.32M€4.32M=
Amounts payable within one year42/48€43k€56k▲
Trade debts44€10k€14k▲
Suppliers440/4€10k€14k▲
Taxes, remuneration and social security45€26k€24k▼
Taxes450/3€26k€24k▼
Other amounts payable47/48€7k€17k▲
Accrued charges and deferred income492/3€31k€32k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€154k€154k▼
Other operating charges640/8€34k€37k▲
Gross operating margin9900€433k€424k▼
Operating profit (loss)9901€245k€233k▼
Financial income75/76B€141k€45k▼
Recurring financial income75€141k€45k▼
Financial charges65/66B€42k€41k▼
Recurring financial charges65€42k€41k▼
Profit (loss) for the period before taxes9903€344k€237k▼
Income taxes67/77€56k€51k▼
Profit (loss) for the period9904€289k€186k▼
Profit (loss) for the period to be appropriated9905€289k€186k▼
Appropriation of the result
Profit (loss) to be appropriated9906€289k€186k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€289k€186k▼
To other reserves6921€289k€186k▼
The notes to these accounts (11 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 · micro schema · 31 days late
2025
31-12
Financial
Equity above €500kEq €623k ▲42.5%
5 profitable years in a row build equity to €623k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2020net €289k ▲28.5%
Net result €289k, the highest in the series.
31-12
Financial
Equity above €200kEq €438k ▲194%
4 profitable years in a row build equity to €438k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €149k
3 profitable years in a row build equity to €149k.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €111k
Net result €111k after one loss-making year.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Herselt · 1 establishment unit since 2020
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.
Plankenbrugstraat(RAM) 682230 HerseltGround area
1.4 ha
Building footprint
156 m²
Volume, LiDAR
911 m³
Parcel 13034H0016/00K000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GVLC
since 20202.300.257.406
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13034H0016/00K000 | Flanders | 1.4 ha | 1 · 156 m² | 9.7 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.
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AGRI SAMAIN
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LOONBEDRIJF JOSSA
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LEURIDAN
BE 0474.638.024
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F. VANDENBULCKE
BE 0454.438.961
Kortrijk · Eq €631k
Of 4,670 companies in sector 01610 we hold annual accounts for 1,363. 976 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-2020
Fiscal year end31-12
Activities, NACEBEL
01610Support activities for crop production
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:gvlc@telenet.be