VAN LOOVEREN GUY
ActiveVAN LOOVEREN GUY has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €117k and a net result of €25k. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 70% of 36373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability86▲+7
Solvency89▲+15
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 3.4 against 2.15 in 2023; short-term debt: 18.2% and cash: 48.4% of total assets), and 35.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 · 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-06-2025, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
51 d early
2023
48 d early
2022
31 d early
2021
32 d early
2020
46 d early
2019
24 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€117k▲ 27.6%
2023 · €91k
2018: €60k
2019: €51k
2020: €60k
2021: €69k
2022: €84k
2023: €91k
2018 → 2024
Total assets
€181k▼ 1.9%
2023 · €185k
2018: €109k
2019: €97k
2020: €102k
2021: €118k
2022: €145k
2023: €185k
2018 → 2024
Net result
€25k▲ 64.7%
2023 · €15k
2018: €8k
2019: €-9k
2020: €10k
2021: €9k
2022: €34k
2023: €15k
2018 → 2024
Working capital
€79k▲ 57.9%
2023 · €50k
2018: €41k
2019: €38k
2020: €52k
2021: €56k
2022: €61k
2023: €50k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€60k-€69k▲ 14.8%€84k▲ 21.5%€91k▲ 8.6%€117k▲ 27.6%
Operating result€12k-€10k▼ 21.1%€46k▲ 363%€19k▼ 58.9%€38k▲ 104%
Net result€10k-€9k▼ 6.7%€34k▲ 278%€15k▼ 54.5%€25k▲ 64.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 104% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €181k
Fixed assets
€69k▼ 23.8%
Current assets
€112k▲ 19.4%
Equity and liabilities €181k
Equity
€117k▲ 27.6%
Debt
€65k▼ 30.8%
The debt ratio falls from 50.5% to 35.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€63k▲
2023 · €37k
Cash flow
€51k▲
2023 · €34k
Solvency
64.4%▲
2023 · 49.5%
Current ratio
3.40▲
2023 · 2.15
Quick ratio
3.26▲
2023 · 2.03
Debt / equity
0.55▼
2023 · 1.02
ROE
21.7%▲
2023 · 16.8%
ROA
13.9%▲
2023 · 8.3%
Interest coverage
20.44▲
2023 · 13.74
Debt
€65k▼
2023 · €93k
Debt ≤ 1 year
€33k▼
2023 · €44k
Debt > 1 year
€32k▼
2023 · €49k
Income taxes
€11k▲
2023 · €5k
Staff costs
€56k▲
2023 · €55k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€185k€181k▼
Fixed assets21/28€91k€69k▼
Tangible fixed assets22/27€90k€68k▼
Plant, machinery and equipment23€14k€13k▼
Furniture and vehicles24€76k€55k▼
Financial fixed assets28€1k€1k=
Current assets29/58€94k€112k▲
Stocks and contracts in progress3€5k€5k▼
Stocks30/36€5k€5k▼
Amounts receivable within one year40/41€33k€20k▼
Trade receivables40€15k€10k▼
Other amounts receivable41€18k€10k▼
Cash at bank and in hand54/58€54k€88k▲
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€185k€181k▼
Equity10/15€91k€117k▲
Contributions10/11€19k€19k=
Reserves13€69k€95k▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€68k€95k▲
Profit (loss) carried forward14€3k€3k=
Amounts payable17/49€93k€65k▼
Amounts payable after more than one year17€49k€32k▼
Financial debts170/4€49k€32k▼
Amounts payable within one year42/48€44k€33k▼
Current portion of amounts payable after more than one year42€22k€20k▼
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€11k€7k▼
Taxes450/3€9k€6k▼
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€8k€0▼
Accrued charges and deferred income492/3€56€0▼
Income statement
Code20232024
Non-recurring operating income76A€6k€3k▼
Remuneration, social security and pensions62€55k€56k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€25k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€93k€121k▲
Operating profit (loss)9901€19k€38k▲
Financial income75/76B€5k€1k▼
Recurring financial income75€5k€1k▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€21k€36k▲
Income taxes67/77€5k€11k▲
Profit (loss) for the period9904€15k€25k▲
Profit (loss) for the period to be appropriated9905€15k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€29k▲
Profit (loss) brought forward from the previous period14P€3k€3k=
Transfer from equity791/2€8k€0▼
Transfer to equity691/2€15k€25k▲
To other reserves6921€15k€25k▲
Profit to be distributed694/7€8k€0▼
Return on contributions (dividend)694€8k€0▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €117k ▲27.6%
5 profitable years in a row build equity to €117k.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €34k ▲278%
Operating result €46k, net result €34k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-9k ▼214%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
25-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Westerlo · 1 establishment unit since 1993
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.
Nachtegaalstraat 142260 WesterloGround area
742 m²
Parcel 13028A0325/00D002, Flanders. Linked by address, not a title deed.
1 establishment unit
VAN LOOVEREN GUY
since 19932.063.449.227
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13028A0325/00D002 | Flanders | 742 m² | - | - |
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.
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GIOVANNY CONSTRUCTION
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Of 3,963 companies in sector 43331 we hold annual accounts for 1,791. 1,522 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-05-1993
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.