B.GENS
ActiveB.GENS has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115k and a net result of €97k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 27% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+4
Solvency50▲+22
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity short (current ratio 0.35 against 0.4 in 2024; short-term debt: 35% and cash: 2.2% of total assets), and 75.3% 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
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 →
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
24.7%
Return on assets
20.7%
Age of the figures
15 mo
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 30-06-2025 was due by 31-01-2026 and was filed on 15-01-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
12 d early
2023
5 d early
2022
12 d early
2021
12 d early
2020
29 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€115k▲ 519%
2024 · €19k
2019: €60k
2020: €105k
2021: €125k
2022: €71k
2023: €120k
2024: €19k
2019 → 2025
Total assets
€466k▼ 14.9%
2024 · €548k
2019: €554k
2020: €583k
2021: €593k
2022: €554k
2023: €509k
2024: €548k
2019 → 2025
Net result
€97k▼ 2.0%
2024 · €99k
2019: €24k
2020: €46k
2021: €20k
2022: €46k
2023: €68k
2024: €99k
2019 → 2025
Working capital
€-107k▲ 41.3%
2024 · €-182k
2019: €-66k
2020: €1k
2021: €-7k
2022: €-93k
2023: €-61k
2024: €-182k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€125k-€71k▼ 42.9%€120k▲ 68.3%€19k▼ 84.5%€115k▲ 519%
Operating result€34k-€67k▲ 95.2%€93k▲ 39.6%€138k▲ 48.4%€133k▼ 3.8%
Net result€20k-€46k▲ 135%€68k▲ 47.8%€99k▲ 44.1%€97k▼ 2.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €466k
Fixed assets
€410k▼ 3.9%
Current assets
€57k▼ 53.4%
Equity and liabilities €466k
Equity
€115k▲ 519%
Debt
€351k▼ 33.7%
The debt ratio falls from 96.6% to 75.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€154k▼
2024 · €159k
Cash flow
€117k▼
2024 · €119k
Solvency
24.7%▲
2024 · 3.4%
Current ratio
0.35▼
2024 · 0.40
Quick ratio
0.35▼
2024 · 0.40
Debt / equity
3.05▼
2024 · 28.45
ROE
83.8%▼
2024 · 529.8%
ROA
20.7%▲
2024 · 18.0%
Interest coverage
15.56▼
2024 · 16.70
Debt
€351k▼
2024 · €529k
Debt ≤ 1 year
€163k▼
2024 · €303k
Debt > 1 year
€186k▼
2024 · €224k
Income taxes
€29k▼
2024 · €33k
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€548k€466k▼
Fixed assets21/28€426k€410k▼
Tangible fixed assets22/27€426k€410k▼
Land and buildings22€414k€397k▼
Furniture and vehicles24€4k€6k▲
Other tangible fixed assets26€8k€7k▼
Current assets29/58€122k€57k▼
Amounts receivable within one year40/41€84k€38k▼
Trade receivables40€25k€31k▲
Other amounts receivable41€60k€7k▼
Cash at bank and in hand54/58€32k€10k▼
Deferred charges and accrued income490/1€6k€8k▲
Equity and liabilities
Total equity and liabilities10/49€548k€466k▼
Equity10/15€19k€115k▲
Contributions10/11€19k€19k=
Reserves13€0€97k▲
Distributable reserves133€0€97k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€529k€351k▼
Amounts payable after more than one year17€224k€186k▼
Financial debts170/4€224k€186k▼
Other amounts payable178/9€0-
Amounts payable within one year42/48€303k€163k▼
Current portion of amounts payable after more than one year42€37k€38k▲
Financial debts43€4k€15k▲
Credit institutions430/8€4k€15k▲
Trade debts44€11k€17k▲
Suppliers440/4€11k€17k▲
Taxes, remuneration and social security45€24k€8k▼
Taxes450/3€22k€8k▼
Remuneration and social security454/9€3k€160▼
Other amounts payable47/48€226k€86k▼
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€170€479▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k▲
Other operating charges640/8€13k€3k▼
Gross operating margin9900€172k€158k▼
Operating profit (loss)9901€138k€133k▼
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€10k€10k▲
Recurring financial charges65€10k€10k▲
Profit (loss) for the period before taxes9903€131k€125k▼
Income taxes67/77€33k€29k▼
Profit (loss) for the period9904€99k€97k▼
Profit (loss) for the period to be appropriated9905€99k€97k▼
Appropriation of the result
Profit (loss) to be appropriated9906€99k€97k▼
Transfer from equity791/2€102k€0▼
Transfer to equity691/2€0€97k▲
To other reserves6921€0€97k▲
Profit to be distributed694/7€200k€0▼
Return on contributions (dividend)694€200k€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
Next filing, fiscal year 2026, expected by
2026
15-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €100kEq €115k ▲519%
7 profitable years in a row build equity to €115k.
19-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €99k ▲44.1%
Operating result €138k, net result €99k, both a record.
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €100kEq €120k ▲68.3%
5 profitable years in a row build equity to €120k.
19-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €20k ▼57%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
31-05
Financial
Liquidity doublescurrent ratio 1.02
Current ratio from 0.41 to 1.02; short-term debt falls from €112k to €88k.
31-05
Financial
Equity above €100kEq €105k ▲76.5%
2 profitable years in a row build equity to €105k.
2019
31-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
09-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 68 days late
09-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 433 days late
2017
26-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Chaumont-Gistoux · 1 establishment unit since 2014
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.
Avenue des Sorbiers 151325 Chaumont-GistouxGround area
3,608 m²
Building footprint
225 m²
Volume, LiDAR
1,229 m³
Parcel 25018A0371/00X002, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Avenue des Sorbiers 15, 1325 Chaumont-Gistoux
since 20142.227.751.488
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25018A0371/00X002 | Wallonia | 3,608 m² | 1 · 225 m² | 8.4 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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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 40,807 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-02-2014
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
13300Finishing of textiles
13960Manufacture of textiles
13990Manufacture of textiles
14130Manufacture of wearing apparel
14199Manufacture of wearing apparel
14210Manufacture of outerwear
14299Manufacture of wearing apparel
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.