HET GROTE GEBOUW
ActiveSummary
HET GROTE GEBOUW has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €3.20M and a net result of €263k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 48% of 145 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2026
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability81▼-19
Solvency54▼-8
Growth22▼-30
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 2.76 against 5.63 in 2025; short-term debt: 3.5% and cash: 3.5% of total assets), but 71.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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 2026Solvency, return and age of the figures
Solvency
28.6%
Return on assets
2.3%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 29-07-2026, 33 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
33 d early
2025
2 d early
2024
1 d early
2023
16 d early
2022
56 d late
2021
24 d late
2020
24 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, full schema
Turnover
€409k▼ 35.1%
2025 · €630k
2019: €3.28M
2020: €3.09M
2021: €2.68M
2022: €2.24M
2023: €2.08M
2025: €630k
2019 → 2026
EBIT margin
105.6%▼ 546.2pp
2025 · 651.8%
2019: 15.8%
2020: 23.2%
2021: 35.8%
2022: 211.4%
2023: 25.0%
2025: 651.8%
2019 → 2026
Net result
€263k▼ 91.5%
2025 · €3.10M
2019: €325k
2020: €414k
2021: €642k
2022: €3.04M
2023: €19.86M
2025: €3.10M
2019 → 2026
Working capital
€693k▼ 79.2%
2025 · €3.33M
2019: €-1.49M
2020: €-1.52M
2021: €-1.40M
2022: €-4.47M
2023: €-4.83M
2025: €3.33M
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320252026Trend
Turnover€2.68M-€2.24M▼ 16.2%€2.08M▼ 7.4%€630k▼ 69.7%€409k▼ 35.1%
Equity€3.80M-€6.47M▲ 70.3%€21.34M▲ 230%€4.43M▼ 79.2%€3.20M▼ 27.8%
Operating result€959k-€4.74M▲ 394%€519k▼ 89.1%€4.11M▲ 691%€432k▼ 89.5%
Net result€642k-€3.04M▲ 373%€19.86M▲ 554%€3.10M▼ 84.4%€263k▼ 91.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 89% below 2025 and is the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €11.20M
Fixed assets
€10.11M ▲ 29.8%
Current assets
€1.09M ▼ 73.2%
Equity and liabilities €11.20M
Equity
€3.20M ▼ 27.8%
Provisions
€945k =
Debt
€7.05M ▲ 9.1%
Debt's share of the balance-sheet total rises from 54.6% to 63.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€553k▼
2025 · €4.23M
Cash flow
€384k▼
2025 · €3.22M
Current ratio
2.76▼
2025 · 5.63
Debt to equity
2.20▲
2025 · 1.46
ROE
8.2%▼
2025 · 69.8%
ROA
2.3%▼
2025 · 26.1%
Interest coverage
12.20▼
2025 · 51.73
Debt ≤ 1 year
€395k▼
2025 · €720k
Debt > 1 year
€6.66M▲
2025 · €5.75M
Income taxes
€135k▲
2025 · €123k
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 · 2026 against 2025 · 86 lines
Balance sheet
Code20252026
Assets
Total assets20/58€11.84M€11.20M▼
Fixed assets21/28€7.79M€10.11M▲
Intangible fixed assets21€126k€63k▼
Tangible fixed assets22/27€3.15M€5.48M▲
Land and buildings22€3.15M€5.45M▲
Furniture and vehicles24€8k€136▼
Assets under construction and advance payments27-€34k
Financial fixed assets28€4.51M€4.57M▲
Affiliated companies280/1€4.51M€4.57M▲
Participating interests280€4.51M€4.57M▲
Other financial fixed assets284/8€713€2k▲
Amounts receivable and cash guarantees285/8€713€2k▲
Current assets29/58€4.05M€1.09M▼
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€523k€701k▲
Trade receivables40€71k€64k▼
Other amounts receivable41€451k€637k▲
Cash at bank and in hand54/58€3.53M€387k▼
Deferred charges and accrued income490/1€938€299▼
Equity and liabilities
Total equity and liabilities10/49€11.84M€11.20M▼
Equity10/15€4.43M€3.20M▼
Contributions10/11€63k€63k=
Capital10€63k€63k=
Issued capital100€63k€63k=
Outside capital11€762€762=
Share premium1100/10€762€762=
Reserves13€4.37M€3.13M▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€2.87M€2.86M▼
Distributable reserves133€1.50M€265k▼
Profit (loss) carried forward14€2k€4k▲
Provisions and deferred taxes16€945k€945k=
Deferred taxes168€945k€945k=
Amounts payable17/49€6.47M€7.05M▲
Amounts payable after more than one year17€5.75M€6.66M▲
Financial debts170/4€1.18M€2.28M▲
Credit institutions173€1.18M€2.28M▲
Other amounts payable178/9€4.57M€4.38M▼
Amounts payable within one year42/48€720k€395k▼
Current portion of amounts payable after more than one year42€296k€279k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€63k€55k▼
Suppliers440/4€63k€55k▼
Taxes, remuneration and social security45€105k€0▼
Taxes450/3€105k€0▼
Other amounts payable47/48€256k€61k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20252026
Operating income70/76A€4.86M€939k▼
Turnover70€630k€409k▼
Other operating income74€451k€527k▲
Non-recurring operating income76A€3.78M€3k▼
Operating charges60/66A€755k€507k▼
Services and other goods61€583k€367k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€123k€121k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€15k€12k▼
Other operating charges640/8€35k€8k▼
Operating profit (loss)9901€4.11M€432k▼
Financial income75/76B€7k€16k▲
Recurring financial income75€7k€16k▲
Other financial income752/9€7k€16k▲
Financial charges65/66B€92k€49k▼
Recurring financial charges65€92k€49k▼
Debt charges650€82k€45k▼
Other financial charges652/9€10k€4k▼
Profit (loss) for the period before taxes9903€4.02M€398k▼
Transfer from deferred taxes780€145k€0▼
Transfer to deferred taxes680€945k€0▼
Income taxes67/77€123k€135k▲
Taxes670/3€123k€135k▲
Tax adjustments and reversals of tax provisions77€0-
Profit (loss) for the period9904€3.10M€263k▼
Transfer from tax-exempt reserves789€331k€0▼
Transfer to tax-exempt reserves689€2.83M€0▼
Profit (loss) for the period to be appropriated9905€593k€263k▼
Appropriation of the result
Profit (loss) to be appropriated9906€836k€265k▼
Profit (loss) brought forward from the previous period14P€243k€2k▼
Transfer from equity791/2-€1.50M
From reserves792-€1.50M
Transfer to equity691/2€585k€261k▼
To the legal reserve6920€0-
To other reserves6921€585k€261k▼
Profit to be distributed694/7€250k€1.50M▲
Return on contributions (dividend)694-€1.50M
Directors or managers695€250k€0▼
The notes to these accounts (82 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 2027, expected by
2026
07-08
State Gazette act
Reappointments: Japeco BV (director) and Matenau BV (director)Permanent representatives: Jan Peeters and Wim Peeters · Appointments: BV VYVEY & C°, BEDRIJFSREVISOREN, Japeco BV and Matenau BV10 facts ▸
State Gazette act
Reappointments: Japeco BV (director) and Matenau BV (director)
Permanent representatives: Jan Peeters and Wim Peeters · Appointments: BV VYVEY & C°, BEDRIJFSREVISOREN, Japeco BV and Matenau BV10 facts ▸
- General meeting, 31/07/2025
- Director reappointment, Japeco BV (director)
- Permanent representative, Jan Peeters
- Director reappointment, Matenau BV (director)
- Permanent representative, Wim Peeters
- Auditor appointment, BV VYVEY & C°, BEDRIJFSREVISOREN (statutory auditor)
- Director appointment, Japeco BV (managing director)
- Permanent representative, Jan Peeters
- Director appointment, Matenau BV (managing director)
- Permanent representative, Wim Peeters
29-07
NBB filing
Annual accounts filed
fiscal year 2026 · full schema
31-01
Financial
Weakest financial yearnet €263k ▼91.5%
Net result drops to €263k, the lowest in the series.
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
31-01
Financial
Liquidity times 11current ratio 5.63
Current ratio from 0.49 to 5.63; short-term debt falls from €9.52M to €720k.
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
15-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
31-01
Financial
Highest result since 2019net €19.86M ▲554%
Net result €19.86M, the highest in the series.
31-01
Financial
Equity above €10MEq €21.34M ▲230%
5 profitable years in a row build equity to €21.34M.
2022
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 56 days late
31-01
Financial
Equity above €5MEq €6.47M ▲70.3%
4 profitable years in a row build equity to €6.47M.
2021
24-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 24 days late
Show earlier events
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 24 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
Japeco
CurrentManaging director · since 31-07-2025 · Private limited company · perm. rep.: Jan Peeters
Matenau
CurrentManaging director · since 31-07-2025 · Private limited company · perm. rep.: Wim Peeters
07-08-2026
Japeco: Appointed as Managing director
07-08-2026
Matenau: Appointed as Managing director
31-07-2025
Japeco: Mandate renewed as Director
31-07-2025
Matenau: Mandate renewed as Director
Location & real-estate footprint
Registered office, Lille · 1 establishment unit since 1970
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.
Kloosterstraat 582275 LilleGround area
1.9 ha
Building footprint
8,638 m²
Volume, LiDAR
63,509 m³
Parcel 13009C0717/00X006, Flanders · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kloosterstraat 58, 2275 Lille
since 19702.127.767.848
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13009C0717/00X006 | Flanders | 1.9 ha | 1 · 8,638 m² | 9.6 m · 3 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.
Statutory auditor
1 auditor| VYVEY & C°, BEDRIJFSREVISORENCurrent Statutory auditor | 07-08-2026 → present |
Structure & network
Connections & network
3 connected companiesLinked via shared directors
Shared corporate director
→
Shared corporate director
→
Shared corporate director
→
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 5,027 EUR awarded · 5,027 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 5,027 EUR | 5,027 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
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Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 1,089 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded30-04-1980
Fiscal year end31-01
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
46319Wholesale of fruit and vegetables, excluding potatoes
47210Retail sale of fruit and vegetables
Sources
Crossroads Bank for EnterprisesNational Bank · 52 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.