GVDB
ActiveSummary
GVDB has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €557k and a net result of €185k. Equity is growing by ~60.9% per year across the filed fiscal years. Its solvency ranks better than 19% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-21
Solvency39▼-35
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity short (current ratio 0.13 against 13.13 in 2024; short-term debt: 17.2% and cash: 1.6% of total assets), and 85.8% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
14.2%
Return on assets
4.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 19%
← weakest
strongest →
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 23-07-2026, 8 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
8 d early
2024
23 d early
2023
20 d early
2022
21 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
€557k▲ 49.9%
2024 · €372k
2022: €26k
2023: €207k
2024: €372k
2022 → 2025
Total assets
€3.92M▲ 413%
2024 · €764k
2022: €401k
2023: €585k
2024: €764k
2022 → 2025
Net result
€185k▲ 12.5%
2024 · €165k
2022: €45k
2023: €181k
2024: €165k
2022 → 2025
Working capital
€-586k
2024 · €699k
2022: €347k
2023: €527k
2024: €699k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€26k-€207k▲ 702%€372k▲ 79.7%€557k▲ 49.9%
Operating result€59k-€234k▲ 298%€212k▼ 9.3%€237k▲ 11.7%
Net result€45k-€181k▲ 300%€165k▼ 9.0%€185k▲ 12.5%
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 2025; 2025 is 12% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.92M
Fixed assets
€3.83M ▲ 51,494%
Current assets
€87k ▼ 88.6%
Equity and liabilities €3.92M
Equity
€557k ▲ 49.9%
Debt
€3.36M ▲ 756%
Debt's share of the balance-sheet total rises from 51.4% to 85.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€239k▲
2024 · €215k
Cash flow
€188k▲
2024 · €167k
Current ratio
0.13▼
2024 · 13.13
Debt to equity
6.03▲
2024 · 1.06
ROE
33.3%▼
2024 · 44.3%
ROA
4.7%▼
2024 · 21.6%
Interest coverage
7.33▼
2024 · 24.98
Debt ≤ 1 year
€672k▲
2024 · €58k
Debt > 1 year
€2.69M▲
2024 · €335k
Income taxes
€56k▲
2024 · €50k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€764k€3.92M▲
Fixed assets21/28€7k€3.83M▲
Tangible fixed assets22/27€7k€9k▲
Furniture and vehicles24€7k€5k▼
Other tangible fixed assets26-€4k
Financial fixed assets28€800€3.82M▲
Current assets29/58€757k€87k▼
Amounts receivable after more than one year29€713k-
Trade receivables290€713k-
Amounts receivable within one year40/41€22k€23k▲
Trade receivables40€22k€19k▼
Other amounts receivable41-€4k
Cash at bank and in hand54/58€22k€62k▲
Deferred charges and accrued income490/1€204€2k▲
Equity and liabilities
Total equity and liabilities10/49€764k€3.92M▲
Equity10/15€372k€557k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€370k€555k▲
Amounts payable17/49€392k€3.36M▲
Amounts payable after more than one year17€335k€2.69M▲
Financial debts170/4€335k€2.69M▲
Amounts payable within one year42/48€58k€672k▲
Current portion of amounts payable after more than one year42-€131k
Trade debts44€376€986▲
Suppliers440/4€376€986▲
Taxes, remuneration and social security45€54k€50k▼
Taxes450/3€54k€50k▼
Other amounts payable47/48€3k€490k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€131€2k▲
Gross operating margin9900€215k€242k▲
Operating profit (loss)9901€212k€237k▲
Financial income75/76B€11k€37k▲
Recurring financial income75€11k€37k▲
Financial charges65/66B€9k€33k▲
Recurring financial charges65€9k€33k▲
Non-recurring financial charges66B€855-
Profit (loss) for the period before taxes9903€214k€241k▲
Income taxes67/77€50k€56k▲
Profit (loss) for the period9904€165k€185k▲
Profit (loss) for the period to be appropriated9905€165k€185k▲
Appropriation of the result
Profit (loss) to be appropriated9906€370k€555k▲
Profit (loss) brought forward from the previous period14P€205k€370k▲
The notes to these accounts (10 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €185k ▲12.5%
Operating result €237k, net result €185k, both a record.
31-12
Financial
Equity above €500kEq €557k ▲49.9%
4 profitable years in a row build equity to €557k.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €207k ▲702%
2 profitable years in a row build equity to €207k.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Chaudfontaine · 1 establishment unit since 2022
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 du Chêne 194051 ChaudfontaineGround area
1,808 m²
Building footprint
143 m²
Volume, LiDAR
787 m³
Parcel 62104A0215/00D000, Wallonia · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GVDB
since 20222.337.993.473
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62104A0215/00D000 | Wallonia | 1,808 m² | 1 · 142 m² | 6.5 m · 2 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.
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PhaRa
BE 0477.045.208
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Mailing SOLUTIONS
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Vranken-Fossépré
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 33,765 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 formPrivate limited company
Founded07-09-2022
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:gui.vanderborght@gmail.com
Phone:+32496776842