Huis GIVA
ActiveSummary
Huis GIVA has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.37M and a net result of €-54k. Equity is shrinking by ~6.7% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-12
Solvency100▲+3
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity short (current ratio 0.88 against 0.95 in 2024; short-term debt: 21.9% and cash: 1.5% of total assets), and 23.9% of the assets are financed with debt.
Credit check 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 · 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
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
76.1%
Return on assets
-3%
Age of the figures
9 mo
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 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-54k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
71 d early
2023
62 d early
2022
62 d early
2021
62 d early
2020
36 d early
2019
8 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.37M▼ 6.8%
2024 · €1.47M
2018: €2.18M
2019: €2.18M
2020: €2.10M
2021: €1.72M
2022: €1.56M
2023: €1.56M
2024: €1.47M
2018 → 2025
Total assets
€1.79M▼ 11.5%
2024 · €2.03M
2018: €2.86M
2019: €2.82M
2020: €2.74M
2021: €2.12M
2022: €2.10M
2023: €2.07M
2024: €2.03M
2018 → 2025
Net result
€-54k▼ 19.3%
2024 · €-45k
2018: €-71k
2019: €-6k
2020: €-6k
2021: €-295k
2022: €8k
2023: €-2k
2024: €-45k
2018 → 2025
Working capital
€-49k▼ 75.0%
2024 · €-28k
2018: €1.02M
2019: €867k
2020: €820k
2021: €413k
2022: €288k
2023: €125k
2024: €-28k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.72M-€1.56M▼ 9.5%€1.56M▼ 0.2%€1.47M▼ 5.9%€1.37M▼ 6.8%
Operating result€-283k-€23k€17k▼ 26.4%€10k▼ 39.7%€-74k
Net result€-295k-€8k€-2k€-45k▼ 1,797%€-54k▼ 19.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €74k after €10k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.79M
Fixed assets
€1.45M ▼ 5.2%
Current assets
€345k ▼ 30.7%
Equity and liabilities €1.79M
Equity
€1.37M ▼ 6.8%
Provisions
€34k ▼ 4.0%
Debt
€395k ▼ 24.9%
Debt's share of the balance-sheet total falls from 26.0% to 22.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€33k▼
2024 · €109k
Cash flow
€54k▼
2024 · €54k
Current ratio
0.88▼
2024 · 0.95
Debt to equity
0.29▼
2024 · 0.36
ROE
-3.9%▼
2024 · -3.1%
ROA
-3.0%▼
2024 · -2.2%
Interest coverage
1.53▼
2024 · 2.93
Debt ≤ 1 year
€394k▼
2024 · €525k
Income taxes
€151▼
2024 · €24k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.03M€1.79M▼
Fixed assets21/28€1.53M€1.45M▼
Tangible fixed assets22/27€1.53M€1.45M▼
Land and buildings22€1.42M€1.37M▼
Plant, machinery and equipment23€441-
Furniture and vehicles24€103k€82k▼
Financial fixed assets28€2k€2k=
Current assets29/58€497k€345k▼
Amounts receivable within one year40/41€63k€15k▼
Trade receivables40€61k€2k▼
Other amounts receivable41€2k€13k▲
Current investments50/53€343k€300k▼
Cash at bank and in hand54/58€88k€26k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€2.03M€1.79M▼
Equity10/15€1.47M€1.37M▼
Contributions10/11€64k€64k=
Capital10€64k€64k=
Issued capital100€64k€64k=
Reserves13€254k€203k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€106k€102k▼
Distributable reserves133€141k€95k▼
Profit (loss) carried forward14€1.15M€1.10M▼
Provisions and deferred taxes16€35k€34k▼
Deferred taxes168€35k€34k▼
Amounts payable17/49€526k€395k▼
Amounts payable within one year42/48€525k€394k▼
Trade debts44€1k€241▼
Suppliers440/4€1k€241▼
Advances received on contracts in progress46€4k€4k▼
Taxes, remuneration and social security45€11k€6k▼
Taxes450/3€11k€6k▼
Other amounts payable47/48€509k€383k▼
Accrued charges and deferred income492/3€992€2k▲
Income statement
Code20242025
Non-recurring operating income76A€12k€284▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€99k€107k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€60k
Other operating charges640/8€10k€10k▼
Non-recurring operating charges66A€209€441▲
Gross operating margin9900€120k€104k▼
Operating profit (loss)9901€10k€-74k▼
Financial income75/76B€5k€41k▲
Recurring financial income75€5k€41k▲
Non-recurring financial income76B-€500
Financial charges65/66B€37k€22k▼
Recurring financial charges65€37k€22k▼
Profit (loss) for the period before taxes9903€-23k€-55k▼
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€24k€151▼
Profit (loss) for the period9904€-45k€-54k▼
Transfer from tax-exempt reserves789€4k€4k=
Profit (loss) for the period to be appropriated9905€-41k€-49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.15M€1.10M▼
Profit (loss) brought forward from the previous period14P€1.19M€1.15M▼
Transfer from equity791/2€46k€46k=
Profit to be distributed694/7€46k€46k=
Return on contributions (dividend)694€46k€46k=
The notes to these accounts (7 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
24-09
State Gazette act
Resignation: Lodewijk Verbiest (director)2 facts ▸
State Gazette act
Resignation: Lodewijk Verbiest (director)
2 facts ▸
- Board meeting, 14-09-2026
- Director resignation, Lodewijk Verbiest (director)
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €8k
Net result €8k after 4 loss-making years.
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-295k
Net result drops to €-295k, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 11 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2013
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
13-05-2013
Resigned as Director
Not every act has been read: a resignation may be missing here
4 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Kortenberg · 1 establishment unit since 1985
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.
St.-Antoniusstraat 223078 Kortenberg1 establishment unit
St.-Antoniusstraat 22, 3078 Kortenberg
since 19852.025.714.643
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded15-11-1984
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 41 filings
Scores and ratios are computed by Checked and are not a credit decision.