GVQ
ActiveGVQ has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67k and a net result of €-7k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 52% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-53
Solvency83▲+9
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 1.64 in 2024; short-term debt: 41.9% and cash: 5.5% of total assets), and 41.9% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
58.1%
Return on assets
-6.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
on the day
2023
on the day
2022
61 d early
2021
60 d early
2020
79 d early
2019
66 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€67k▼ 9.6%
2024 · €74k
2018: €73k
2019: €66k
2020: €52k
2021: €39k
2022: €56k
2023: €71k
2024: €74k
2018 → 2025
Total assets
€116k▼ 23.2%
2024 · €151k
2018: €98k
2019: €110k
2020: €97k
2021: €96k
2022: €123k
2023: €145k
2024: €151k
2018 → 2025
Net result
€-7k
2024 · €3k
2018: €-15k
2019: €-7k
2020: €-20k
2021: €-13k
2022: €17k
2023: €15k
2024: €3k
2018 → 2025
Working capital
€49k▼ 0.1%
2024 · €49k
2018: €66k
2019: €56k
2020: €47k
2021: €35k
2022: €55k
2023: €38k
2024: €49k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€56k▲ 44.6%€71k▲ 25.7%€74k▲ 4.9%€67k▼ 9.6%
Operating result€-13k-€27k€33k▲ 21.5%€11k▼ 67.7%€-7k
Net result€-13k-€17k€15k▼ 16.7%€3k▼ 76.1%€-7k
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 €7k after €11k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€19k▼ 27.5%
Current assets
€97k▼ 22.3%
Equity and liabilities €116k
Equity
€67k▼ 9.6%
Debt
€49k▼ 36.5%
The debt ratio falls from 50.7% to 41.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€477▼
2024 · €18k
Cash flow
€-73▼
2024 · €11k
Solvency
58.1%▲
2024 · 49.3%
Current ratio
2.00▲
2024 · 1.64
Quick ratio
2.00▲
2024 · 1.64
Debt / equity
0.72▼
2024 · 1.03
ROE
-10.6%▼
2024 · 4.7%
ROA
-6.1%▼
2024 · 2.3%
Interest coverage
0.97▼
2024 · 193.63
Debt
€49k▼
2024 · €77k
Debt ≤ 1 year
€49k▼
2024 · €77k
Income taxes
€3k▼
2024 · €7k
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€151k€116k▼
Fixed assets21/28€26k€19k▼
Tangible fixed assets22/27€26k€19k▼
Plant, machinery and equipment23€1k€625▼
Furniture and vehicles24€25k€18k▼
Current assets29/58€125k€97k▼
Amounts receivable within one year40/41€15k€11k▼
Trade receivables40€15k€10k▼
Other amounts receivable41-€244
Current investments50/53€75k€76k▲
Cash at bank and in hand54/58€31k€6k▼
Deferred charges and accrued income490/1€5k€5k▼
Equity and liabilities
Total equity and liabilities10/49€151k€116k▼
Equity10/15€74k€67k▼
Contributions10/11€19k€19k=
Reserves13€20k€20k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€36k€29k▼
Amounts payable17/49€77k€49k▼
Amounts payable within one year42/48€77k€49k▼
Trade debts44€3k€299▼
Suppliers440/4€3k€299▼
Taxes, remuneration and social security45€7k€2k▼
Taxes450/3€7k€2k▼
Other amounts payable47/48€67k€47k▼
Income statement
Code20242025
Non-recurring operating income76A€750-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€2k€1k▼
Gross operating margin9900€20k€1k▼
Operating profit (loss)9901€11k€-7k▼
Financial income75/76B-€2k
Recurring financial income75-€2k
Financial charges65/66B€91€494▲
Recurring financial charges65€91€494▲
Profit (loss) for the period before taxes9903€10k€-5k▼
Income taxes67/77€7k€3k▼
Profit (loss) for the period9904€3k€-7k▼
Profit (loss) for the period to be appropriated9905€3k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€29k▼
Profit (loss) brought forward from the previous period14P€36k€36k=
Transfer to equity691/2€3k-
To other reserves6921€3k-
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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €17k
Net result €17k after 4 loss-making years.
01-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
24-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Gavere · 1 establishment unit since 2007
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.
Bernstraat 339890 GavereGround area
1,794 m²
Building footprint
243 m²
Volume, LiDAR
1,384 m³
Parcel 44003A0087/00B000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bernstraat 33, 9890 Gavere
since 20072.159.462.401
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44003A0087/00B000 | Flanders | 1,794 m² | 1 · 243 m² | 8.9 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.
Similar companies · same sector, comparable size
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Umndeni
BE 0791.773.980
Rotselaar · Eq €67k
Kalkuul Consult
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KATCHING
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 39,491 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2006
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.