GV WIZARD · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of GV WIZARD is 1.0% (low). The 2025 annual accounts show equity of €68k and a net result of €3k. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 35% of 2873 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 05-05-2026, 5 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.

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 9 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2025, that is 30-04-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-09-2025	30-04-2026	05-05-2026	5 d late	2026-00109768
30-09-2024	30-04-2025	30-04-2025	on the day	2025-00090937
30-09-2023	30-04-2024	30-04-2024	on the day	2024-00085254
30-09-2022	30-04-2023	30-05-2023	30 d late	2023-00110263
30-09-2021	30-04-2022	29-04-2022	1 d early	2022-20022402
30-09-2020	30-04-2021	30-04-2021	on the day	2021-12400578
30-09-2019	30-04-2020	30-04-2020	on the day	2020-11400565
30-09-2018	30-04-2019	30-04-2019	on the day	2019-12400519
30-09-2017	30-04-2018	30-03-2018	31 d early	2018-09100080

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2016, 10 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.0% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€3k-73.7%

Working capital€68k+300.6%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 05-05-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~13.6%/year over 8 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 43, Specialised construction · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	29.8%	43.4%	better than 35% of 2873 sector peers
Net result	€3k	€13k	better than 25% of 2872 sector peers
Equity	€68k	€44k	better than 65% of 2873 sector peers
Gross operating margin	€29k	€39k	better than 40% of 2870 sector peers
Total assets	€228k	€115k	better than 75% of 2873 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P35

Stable position over 2020-2025 · n=1633-11087

Net result P25

Weakening position over 2020-2025 · n=1626-11069

Equity P65

Stable position over 2020-2025 · n=1635-11090

Gross operating margin P40

Stable position over 2020-2025 · n=1624-11060

Describes the position versus peers, not a forecast.

EBITDA

€28k

-17.3% 18-25

Net profit

€3k

-73.7% 18-25

Cash flow

€20k

-27.1% 18-25

Total assets

€228k

+41.2% 18-25

Equity

€68k

+3.9% 18-25

Working capital

€68k

+300.6% 18-25

Income taxes

€131

+4.1% 18-25

Debt

€160k

+66.7% 18-25

Debt ≤ 1y

€127k

+35.2% 18-25

Debt > 1y

€31k

+1657.8% 18-25

Current ratio

1.54

+30.0% 18-25

Quick ratio

1.53

+30.4% 18-25

Solvency

29.8%

-26.4% 18-25

Debt / equity

2.35

+60.4% 18-25

ROE

3.7%

-74.6% 18-25

ROA

1.1%

-81.3% 18-25

Interest coverage

3.41

-33.5% 18-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€28k
Net profit	€3k
Cash flow	€20k
Staff costs	-
Income taxes	€131
Dividends	-
Total assets	€228k
Equity	€68k
Debt	€160k
of which ≤ 1y	€127k
of which > 1y	€31k
Working capital	€68k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	1.54
Quick ratio	1.53
Working capital ratio	29.8%
Solvency	29.8%
Debt / equity	2.35
Long-term debt ratio	0.45
Interest coverage	3.41
Gross margin	-
Net margin	-
ROA	1.1%
ROE	3.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €33k · 14.5% Current assets €195k · 85.5%

Equity & liabilities

Equity €68k · 29.8% Debt €160k · 70.2%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€228k
Fixed assets	21/28	€33k
Tangible fixed assets	22/27	€32k
Financial fixed assets	28	€582
Current assets	29/58	€195k
Stocks & contracts in progress	3	€701
Amounts receivable within one year	40/41	€2k
Cash & bank	54/58	€192k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€228k
Equity	10/15	€68k
Contributions / capital	10/11	€25k
Reserves	13	€3k
Accumulated profits (losses)	14	€40k
Amounts payable	17/49	€160k
Amounts payable after one year	17	€31k
Amounts payable within one year	42/48	€127k
Trade debts payable within one year	44	€5k
Income statement
Gross operating margin	9900	€29k
Operating result	9901	€10k
Financial income	75	€571
Financial charges	65	€8k
Result before taxes	9903	€3k
Income taxes	67/77	€131
Net result for the period	9904	€3k
Result to be appropriated	9905	€3k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

76 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Honegemstraat 199420 Erpe-Mere

Establishment units

1 location

GV WIZARD

Honegemstraat 19, 9420 Erpe-MereGrondverzet : graven, ophogen, egaliseren en nivelleren van bouwterreinen, graven van sleuven en geulen, verwijderen van rotsen, grondverzet met behulp van explosieven

since 20162.255.510.712

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area892 m²

Buildings1

Building footprint93 m²

Volume (LiDAR)550 m³

Tallest building10.2 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
41016B0191/00C002	Flanders	892 m²	1 · 93 m²	10.2 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

61 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 76

Profitability 19

Solvency 59

Growth 52

Stability 100

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