Gypin
ActiveGypin has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €266k and a net result of €91k. Equity is growing by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 32% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
91
/ 100
Excellent▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency59▲+21
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 1.51 against 1.26 in 2024), but 69.7% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
30.3%
Return on assets
10.3%
Age of the figures
8 mo
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 · 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
21 d late
2023
28 d late
2022
37 d late
2021
39 d late
2020
15 d late
2019
42 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, micro schema
Equity
€266k▲ 50.1%
2024 · €177k
2019: €95k
2020: €112k
2021: €147k
2022: €166k
2023: €168k
2024: €177k
2019 → 2025
Total assets
€880k▲ 13.9%
2024 · €773k
2019: €242k
2020: €750k
2021: €853k
2022: €778k
2023: €819k
2024: €773k
2019 → 2025
Net result
€91k▲ 74.4%
2024 · €52k
2019: €88k
2020: €17k
2021: €35k
2022: €19k
2023: €2k
2024: €52k
2019 → 2025
Working capital
€99k▲ 89.3%
2024 · €52k
2019: €119k
2020: €99k
2021: €104k
2022: €98k
2023: €46k
2024: €52k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€147k-€166k▲ 12.9%€168k▲ 1.1%€177k▲ 5.9%€266k▲ 50.1%
Operating result€48k-€33k▼ 30.2%€16k▼ 51.8%€80k▲ 398%€132k▲ 65.4%
Net result€35k-€19k▼ 45.8%€2k▼ 90.5%€52k▲ 2,783%€91k▲ 74.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 65% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €880k
Fixed assets
€587k▲ 12.3%
Current assets
€293k▲ 17.3%
Equity and liabilities €880k
Equity
€266k▲ 50.1%
Debt
€614k▲ 3.1%
The debt ratio falls from 77.0% to 69.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€169k▲
2024 · €130k
Cash flow
€127k▲
2024 · €102k
Solvency
30.3%▲
2024 · 23.0%
Current ratio
1.51▲
2024 · 1.26
Quick ratio
1.51▲
2024 · 1.26
Debt / equity
2.30▼
2024 · 3.35
ROE
34.0%▲
2024 · 29.3%
ROA
10.3%▲
2024 · 6.7%
Interest coverage
9.66▼
2024 · 10.01
Debt
€614k▲
2024 · €595k
Debt ≤ 1 year
€194k▼
2024 · €197k
Debt > 1 year
€420k▲
2024 · €398k
Income taxes
€24k▲
2024 · €15k
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€773k€880k▲
Fixed assets21/28€523k€587k▲
Tangible fixed assets22/27€519k€584k▲
Land and buildings22€417k€427k▲
Plant, machinery and equipment23€19k€21k▲
Furniture and vehicles24€83k€135k▲
Financial fixed assets28€4k€4k=
Current assets29/58€250k€293k▲
Amounts receivable within one year40/41€245k€286k▲
Trade receivables40€67k€65k▼
Other amounts receivable41€178k€221k▲
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€773k€880k▲
Equity10/15€177k€266k▲
Contributions10/11€6k€19k▲
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€169k€246k▲
Amounts payable17/49€595k€614k▲
Amounts payable after more than one year17€398k€420k▲
Financial debts170/4€398k€420k▲
Amounts payable within one year42/48€197k€194k▼
Current portion of amounts payable after more than one year42€64k€65k▲
Financial debts43€29k€5k▼
Credit institutions430/8€29k€5k▼
Trade debts44€27k€62k▲
Suppliers440/4€27k€62k▲
Taxes, remuneration and social security45€10k€19k▲
Taxes450/3€10k€19k▲
Other amounts payable47/48€67k€42k▼
Income statement
Code20242025
Non-recurring operating income76A-€10k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€37k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€133k€173k▲
Operating profit (loss)9901€80k€132k▲
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€13k€18k▲
Recurring financial charges65€13k€18k▲
Profit (loss) for the period before taxes9903€67k€115k▲
Income taxes67/77€15k€24k▲
Profit (loss) for the period9904€52k€91k▲
Profit (loss) for the period to be appropriated9905€52k€91k▲
Appropriation of the result
Profit (loss) to be appropriated9906€211k€260k▲
Profit (loss) brought forward from the previous period14P€159k€169k▲
Profit to be distributed694/7€42k€14k▼
Return on contributions (dividend)694€30k-
Directors or managers695€12k€14k▲
The notes to these accounts (10 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
Highest result since 2019net €91k ▲74.4%
Operating result €132k, net result €91k, both a record.
31-12
Financial
Equity above €200kEq €266k ▲50.1%
7 profitable years in a row build equity to €266k.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €2k ▼90.5%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
06-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 37 days late
2022
31-12
Financial
Equity above €150kEq €166k ▲12.9%
4 profitable years in a row build equity to €166k.
08-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 39 days late
2021
15-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 15 days late
2020
31-12
Financial
Equity above €100kEq €112k ▲18.4%
2 profitable years in a row build equity to €112k.
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
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, Rijkevorsel · 1 establishment unit since 2018
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.
Stevennekens 1332310 RijkevorselGround area
544 m²
Building footprint
154 m²
Volume, LiDAR
723 m³
Parcel 13502D0129/00A008, Flanders · tallest building 10.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Gypin
since 20182.274.492.226
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13502D0129/00A008 | Flanders | 544 m² | 1 · 154 m² | 10.4 m · 1 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
F.L.MAINTENANCE
BE 0846.090.418
Beaumont · Eq €266k
AXOY
BE 0761.423.472
Blégny · Eq €266k
Facades Forever
BE 0811.704.512
Nazareth-De Pinte · Eq €266k
DEKETELE & FILS
BE 1014.973.059
Braine-le-Comte · Eq €267k
CALLEEUW-LAMBRECHTS
BE 0883.428.092
Heusden-Zolder · Eq €267k
Of 15,430 companies in sector 43990 we hold annual accounts for 7,352. 5,499 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded22-03-2018
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
43350Other building finishing work
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.