GALLEZ CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of GALLEZ CONSTRUCT is 1.8% (moderate). The 2025 annual accounts show equity of €110k and a net result of €16k. Equity is growing by ~21.4% per year across the filed fiscal years. Its solvency ranks better than 54% of 7332 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
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
Profitability52▲+37
Solvency72▼-3
Growth52▼-11
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.46 against 1.41 in 2024; short-term debt: 44.5% and cash: 8.1% of total assets), and 53% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
47%
Return on assets
6.7%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
on the day
2024
22 d late
2023
26 d late
2022
21 d late
2021
67 d late
2020
17 d late
2019
88 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€447k▼ 31.7%
2024 · €655k
2019: €321k
2020: €431k
2021: €839k
2022: €562k
2023: €803k
2024: €655k
2019 → 2025
EBIT margin
5.8%▲ 7.0pp
2024 · -1.2%
2019: 5.5%
2020: 2.7%
2021: 3.8%
2022: 4.8%
2023: 4.1%
2024: -1.2%
2019 → 2025
Net result
€16k
2024 · €-9k
2019: €17k
2020: €6k
2021: €26k
2022: €14k
2023: €21k
2024: €-9k
2019 → 2025
Working capital
€48k▲ 61.3%
2024 · €30k
2019: €22k
2020: €159k
2021: €21k
2022: €31k
2023: €44k
2024: €30k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€839k-€562k▼ 33.1%€803k▲ 42.8%€655k▼ 18.5%€447k▼ 31.7%
Equity€68k-€82k▲ 20.6%€103k▲ 26.1%€95k▼ 8.3%€110k▲ 16.7%
Operating result€32k-€27k▼ 15.9%€33k▲ 22.3%€-8k€26k
Net result€26k-€14k▼ 47.0%€21k▲ 52.8%€-9k€16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €26k after a loss of €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €235k
Fixed assets
€82k▼ 6.5%
Current assets
€153k▲ 48.9%
Equity and liabilities €235k
Equity
€110k▲ 16.7%
Debt
€124k▲ 30.0%
The debt ratio rises from 50.3% to 53.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€32k▲
2024 · €-2k
Cash flow
€21k▲
2024 · €-3k
Solvency
47.0%▼
2024 · 49.7%
Current ratio
1.46▲
2024 · 1.41
Quick ratio
1.46▲
2024 · 1.41
Debt / equity
1.13▲
2024 · 1.01
ROE
14.3%▲
2024 · -9.0%
ROA
6.7%▲
2024 · -4.5%
Interest coverage
3.14▲
2024 · -2.12
Debt
€124k▲
2024 · €96k
Debt ≤ 1 year
€104k▲
2024 · €73k
Debt > 1 year
€20k▼
2024 · €23k
Income taxes
€56
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€190k€235k▲
Fixed assets21/28€88k€82k▼
Tangible fixed assets22/27€88k€82k▼
Land and buildings22€78k€76k▼
Furniture and vehicles24€9k€7k▼
Current assets29/58€102k€153k▲
Amounts receivable within one year40/41€78k€131k▲
Trade receivables40€45k€96k▲
Other amounts receivable41€33k€34k▲
Cash at bank and in hand54/58€23k€19k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€190k€235k▲
Equity10/15€95k€110k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€76k€92k▲
Amounts payable17/49€96k€124k▲
Amounts payable after more than one year17€23k€20k▼
Financial debts170/4€23k€20k▼
Amounts payable within one year42/48€73k€104k▲
Current portion of amounts payable after more than one year42€12k€12k▼
Trade debts44€31k€61k▲
Suppliers440/4€31k€61k▲
Taxes, remuneration and social security45€6k-
Taxes450/3€6k-
Other amounts payable47/48€24k€31k▲
Income statement
Code20242025
Turnover70€655k€447k▼
Goods, raw materials, services and sundry goods60/61€655k€414k▼
Remuneration, social security and pensions62€323-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€-84€34k▲
Operating profit (loss)9901€-8k€26k▲
Financial income75/76B€508€2▼
Recurring financial income75€508€2▼
Financial charges65/66B€972€10k▲
Recurring financial charges65€972€10k▲
Profit (loss) for the period before taxes9903€-9k€16k▲
Income taxes67/77-€56
Profit (loss) for the period9904€-9k€16k▲
Profit (loss) for the period to be appropriated9905€-9k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€76k€92k▲
Profit (loss) brought forward from the previous period14P€84k€76k▼
The notes to these accounts (5 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
31-12
Financial
Equity above €100kEq €110k ▲16.7%
Equity rises from €95k to €110k.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Weakest financial yearnet €-9k ▼140%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Equity above €100kEq €103k ▲26.1%
5 profitable years in a row build equity to €103k.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
06-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 67 days late
2021
31-12
Financial
Highest result since 2019net €26k ▲363%
Net result €26k, the highest in the series.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 5.63
Current ratio from 1.81 to 5.63.
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Hensies · 1 establishment unit since 2019
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.
Rue Notre-Dame(HA) 77350 HensiesGround area
1,347 m²
Building footprint
142 m²
Parcel 53033A0176/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
GALLEZ CONSTRUCT
since 20192.284.121.950
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53033A0176/00D000 | Wallonia | 1,347 m² | 1 · 142 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.
Similar companies · same sector, comparable size
ABC IMMO
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BE 0864.102.031
Wommelgem · Eq €110k
BATYCONSTRUC
BE 0667.600.916
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Bouwbedrijf B.M.V.
BE 0866.179.019
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LUIJTEN
BE 0451.251.918
Zoutleeuw · Eq €110k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,038. 13,042 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-01-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.