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GYP DESIGN

Active
Private limited companyfounded 201115 yrs activeWaterstraat 7, 3900 Pelt, BelgiumKBO/BCE: BE 0838.907.765
Summary

GYP DESIGN has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31,252 and a net result of -€6,299. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 79% of 33926 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisWatch ReportCompare
GYP DESIGNActiveChecked score 68/100
Risk analysis ReportCompare

Overview

Activity
Insulation installation
NACE 43230NACE 43291
1 site
Size
€42,250total assets 2025
Equity
€31,252
Loss
-€6,299
Turnover not published (abridged schema)
Financial health
68 Healthy Checked score 2025
Bankruptcy chance 12 m
0.8%
Structure
Accounts 13 d early0 of 4 deeds read
Why 68- Loss of €6,299, the second in a row (FY 2025)- Sector Specialised construction activities (NACE 43)- Liquidity: current ratio 3.84, cash €1,075, halved+ Founded in 2011Show the evidence

Checked score

Score 2025
68 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 35% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 99-1
equity 74.0% of total assets
Liquidity 43-4
short-term debt 26.0% · cash 2.5%
Profitability 0-3
return on assets -14.9%
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,514 companies)
Last 24 months 11-2024: 0.2%lowest value 12-2024: 0.2%● 0.0% vs 11-2024lowest value 01-2025: 0.2%▲ +10.5% vs 12-2024 02-2025: 0.2%▲ +4.8% vs 01-2025 03-2025: 0.2%▼ -13.1% vs 02-2025 04-2025: 0.8%▲ +394% vs 03-2025 05-2025: 0.8%● 0.0% vs 04-2025 06-2025: 0.8%● 0.0% vs 05-2025 07-2025: 0.8%● 0.0% vs 06-2025 08-2025: 0.8%● 0.0% vs 07-2025 09-2025: 0.8%● 0.0% vs 08-2025 10-2025: 0.8%▼ -0.1% vs 09-2025 11-2025: 0.8%● 0.0% vs 10-2025 12-2025: 0.8%● 0.0% vs 11-2025 01-2026: 0.8%▲ +8.5% vs 12-2025 02-2026: 0.8%▼ -2.1% vs 01-2026 03-2026: 0.8%● 0.0% vs 02-2026 04-2026: 1.0%▲ +21.7% vs 03-2026highest value 05-2026: 0.8%▼ -22.7% vs 04-2026 06-2026: 0.8%● 0.0% vs 05-2026 07-2026: 0.8%● 0.0% vs 06-2026 08-2026: 0.8%● 0.0% vs 07-2026 09-2026: 0.8%● 0.0% vs 08-2026 10-2026: 0.8%▼ -0.1% vs 09-2026
  • Loss of €6,299, the second in a row (FY 2025) raises the probability
  • Founded in 2011 lowers the probability for this profile
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Liquidity: current ratio 3.84, cash €1,075, halved raises the probability
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 3.84 against 4.13 in 2024; short-term debt: 26% and cash: 2.5% of total assets), and 26% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 80%, liquidity 33%, profitability 8%, growth against the median 20%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Loss of €6,299, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 2011
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Liquidity: current ratio 3.84, cash €1,075, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€6,299
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 17-04-2026, 13 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
13 d early
2024
33 d early
2023
1 d early
2022
3 d early
2021
8 d early
2020
4 d early
2019
22 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 12 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 22 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close05-10-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Weakest financial yearnet -€6,414

Key points

  • Caution: Among the weakest 15% on net resultsector median €10,149 · 33,913 companies -€6,299 View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Caution: 2 loss-making years in a rowloss fiscal year 2025 -€6,299 View

By topic

Financials

Fiscal year
2025
Total assets
€42,250
Loss
-€6,299
Solvency
74.0%
Total assets▼ 14.7%
Net result
20192025
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 30-04-2027
  1. 17-04-2026Annual accounts filed
  2. 28-03-2025Annual accounts filed
  3. 30-09-2024Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Insulation installationNACE 43230
Founded
26-08-2011
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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