GYVA
ActiveGYVA has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.65M and a net result of €3k. Equity is growing by ~25.3% per year across the filed fiscal years. Its solvency ranks better than 14% of 2041 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69=
Solvency39=
Growth37▼-41
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 1.08 in 2024; short-term debt: 57.5% and cash: 3.4% of total assets), and 86.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
13.6%
Return on assets
0%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 2041 sector peers (2025).
NBB · sector comparisonPosition among 2041 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 10 filingsDeviation from the deadline
2025
21 d late
2024
1 d early
2023
on the day
2022
31 d late
2021
31 d late
2020
37 d early
2019
132 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€14.13M▼ 7.8%
2024 · €15.32M
2024: €15.32M
2024 → 2025
EBIT margin
2.8%▼ 1.3pp
2024 · 4.1%
2024: 4.1%
2024 → 2025
Net result
€3k▼ 98.2%
2024 · €167k
2018: €36k
2019: €24k
2020: €149k
2021: €444k
2022: €397k
2023: €274k
2024: €167k
2018 → 2025
Working capital
€1.49M▲ 152%
2024 · €590k
2018: €88k
2019: €-53k
2020: €26k
2021: €54k
2022: €-102k
2023: €519k
2024: €590k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€15.32M€14.13M▼ 7.8%
Equity€812k-€1.21M▲ 48.9%€1.48M▲ 22.6%€1.65M▲ 11.3%€1.65M▲ 0.2%
Operating result€520k-€520k=€847k▲ 63.1%€634k▼ 25.2%€401k▼ 36.8%
Net result€444k-€397k▼ 10.5%€274k▼ 31.1%€167k▼ 38.8%€3k▼ 98.2%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 37% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €12.13M
Fixed assets
€3.67M▲ 8.5%
Current assets
€8.46M▲ 3.6%
Equity and liabilities €12.13M
Equity
€1.65M▲ 0.2%
Debt
€10.47M▲ 5.8%
The debt ratio rises from 85.7% to 86.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.77M▲
2024 · €1.76M
Cash flow
€1.37M▲
2024 · €1.29M
Solvency
13.6%▼
2024 · 14.3%
Current ratio
1.21▲
2024 · 1.08
Quick ratio
1.16▲
2024 · 1.03
Debt / equity
6.34▲
2024 · 6.00
ROE
0.2%▼
2024 · 10.1%
ROA
0.0%▼
2024 · 1.4%
Interest coverage
7.68▼
2024 · 9.16
Debt
€10.47M▲
2024 · €9.89M
Debt ≤ 1 year
€6.97M▼
2024 · €7.57M
Debt > 1 year
€3.49M▲
2024 · €2.31M
Income taxes
€12k▼
2024 · €67k
Staff costs
€2.69M▲
2024 · €2.01M
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€11.54M€12.13M▲
Fixed assets21/28€3.38M€3.67M▲
Tangible fixed assets22/27€3.38M€3.67M▲
Plant, machinery and equipment23€346k€449k▲
Furniture and vehicles24€50k€97k▲
Leasing and similar rights25€2.98M€3.12M▲
Financial fixed assets28€2k€2k▲
Other financial fixed assets284/8€2k€2k▲
Amounts receivable and cash guarantees285/8€2k€2k▲
Current assets29/58€8.16M€8.46M▲
Stocks and contracts in progress3€400k€400k=
Stocks30/36€400k€400k=
Goods purchased for resale34€400k€400k=
Amounts receivable within one year40/41€7.45M€7.53M▲
Trade receivables40€6.59M€6.85M▲
Other amounts receivable41€863k€679k▼
Cash at bank and in hand54/58€195k€409k▲
Deferred charges and accrued income490/1€116k€120k▲
Equity and liabilities
Total equity and liabilities10/49€11.54M€12.13M▲
Equity10/15€1.65M€1.65M▲
Contributions10/11€19k€19k=
Reserves13€1.63M€1.63M▲
Distributable reserves133€1.63M€1.63M▲
Amounts payable17/49€9.89M€10.47M▲
Amounts payable after more than one year17€2.31M€3.49M▲
Financial debts170/4€2.31M€3.49M▲
Leasing and similar obligations172€2.11M€2.29M▲
Other loans174€200k€1.20M▲
Amounts payable within one year42/48€7.57M€6.97M▼
Current portion of amounts payable after more than one year42€1.01M€1.19M▲
Financial debts43€1.02M€2.27M▲
Credit institutions430/8€1.00M€2.25M▲
Other loans439€17k€17k▼
Trade debts44€5.35M€3.34M▼
Suppliers440/4€5.35M€3.34M▼
Taxes, remuneration and social security45€190k€171k▼
Taxes450/3€64k€22k▼
Remuneration and social security454/9€125k€148k▲
Accrued charges and deferred income492/3€7k€11k▲
Income statement
Code20242025
Operating income70/76A€15.56M€14.46M▼
Turnover70€15.32M€14.13M▼
Other operating income74€232k€267k▲
Non-recurring operating income76A€3k€66k▲
Operating charges60/66A€14.92M€14.06M▼
Goods for resale, raw materials and consumables60€9.06M€7.01M▼
Purchases600/8€9.39M€7.01M▼
Change in stocks: decrease (increase)609€-331k-
Services and other goods61€2.66M€2.92M▲
Remuneration, social security and pensions62€2.01M€2.69M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1.12M€1.37M▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€23k-
Other operating charges640/8€44k€68k▲
Non-recurring operating charges66A-€7k
Operating profit (loss)9901€634k€401k▼
Financial income75/76B€2k€8k▲
Recurring financial income75€2k€8k▲
Income from current assets751-€5k
Other financial income752/9€2k€4k▲
Financial charges65/66B€401k€394k▼
Recurring financial charges65€401k€394k▼
Debt charges650€192k€231k▲
Other financial charges652/9€209k€164k▼
Profit (loss) for the period before taxes9903€235k€15k▼
Income taxes67/77€67k€12k▼
Taxes670/3€67k€12k▼
Profit (loss) for the period9904€167k€3k▼
Profit (loss) for the period to be appropriated9905€167k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€167k€3k▼
Transfer to equity691/2€167k€3k▼
To other reserves6921€167k€3k▼
Social balance
Average headcount (FTE)908725.034.0▲
The notes to these accounts (49 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 21 days late
2025
31-12
Financial
Weakest financial yearnet €3k ▼98.2%
Net result drops to €3k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Equity above €1MEq €1.21M ▲48.9%
5 profitable years in a row build equity to €1.21M.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €444k ▲197%
Net result €444k, the highest in the series.
31-12
Financial
Equity above €500kEq €812k ▲121%
4 profitable years in a row build equity to €812k.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
10-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 132 days late
2019
31-12
Financial
Equity above €200kEq €218k ▲12.2%
2 profitable years in a row build equity to €218k.
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 71 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
19-05
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
7 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, Mechelen · 1 establishment unit since 2011
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.
Geerdegem-Schonenberg 2742800 MechelenGround area
3,083 m²
Building footprint
203 m²
Volume, LiDAR
1,112 m³
Parcel 12403E0900/00D000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Geerdegem-Schonenberg 274, 2800 Mechelen
since 20112.202.264.442
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12403E0900/00D000 | Flanders | 3,083 m² | 1 · 203 m² | 8.1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 13,211 EUR awarded · 14,922 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,162 EUR | 2,248 EUR |
| 2024 | 1 | 766 EUR | 900 EUR |
| 2023 | 2 | 8,260 EUR | 10,230 EUR |
| 2022 | 1 | 2,023 EUR | 1,544 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Subsidies ecologisch en veilig transport (stopgezet)
Recognitions · licences · registrations
Food safety, FASFC
1 siteMechelen2.202.264.442
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Of 8,456 companies in sector 43120 we hold annual accounts for 3,233. 1,351 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-07-2011
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
02100Forestry and logging
42211Civil engineering
77320Rental and leasing activities
81230Other cleaning activities
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.