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CASA GINGKO

Active
Private limited companyfounded 20223 yrs activeRue Pont-à-Nole 34, 6032 Charleroi, BelgiumKBO/BCE: BE 0792.502.272
Summary

The computed 12-month bankruptcy probability of CASA GINGKO is 4.4% (elevated). The 2024 annual accounts show equity of €195,743 and a net result of €6,996. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
59 / 100
Fair
An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability72▲+25
Solvency100=
Growth78
Track record94
Bankruptcy probability, 12 months
4.4% Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €11,000 at 30 days only on tighter terms
Liquidity ample (current ratio 5.71 against 1.4 in 2023; short-term debt: 1.4% and cash: 8.1% of total assets), and 20.7% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
+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 date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-09-2025, 49 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.
NBB · 2 filings
Deviation from the deadline
2025
not confirmed
2024
49 d late
2023
13 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 2 accounts on average 31 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 14 October 2022, CASA GINGKO was incorporated as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Equity
€195,743▲ 3.7%
2023 · €188,748
Total assets
€246,913▲ 1.6%
2023 · €242,913
Net result
€6,996
2023 · -€4,252
Working capital
€16,535▲ 1,066%
2023 · €1,418
Trend over the years
In euros
In euros
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20232024
Operating result-€1,208-€9,485
Net result-€4,252-€6,996
Equity€188,748-€195,743▲ 3.7%
Total assets€242,913-€246,913▲ 1.6%
Debt€54,165-€51,170▼ 5.5%
Working capital€1,418-€16,535▲ 1,066%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€5,000€0€5,000€10,000Operating result 2023: -€1,208-€1,208Net result 2023: -€4,252-€4,252Operating result 2024: €9,485€9,485Net result 2024: €6,996€6,99620232024-€5,000€0€5,000€10,000Operating result 2023: -€1,208-€1,210Net result 2023: -€4,252-€4,250Operating result 2024: €9,485€9,480Net result 2024: €6,996€7,00020232024
The operating result returns to profit in 2024: €9,485 after a loss of €1,208 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €246,913
Fixed assets €226,871 ▼ 4.7%
Current assets €20,042 ▲ 305%
Equity and liabilities €246,913
Equity €195,743 ▲ 3.7%
Debt €51,170 ▼ 5.5%
Debt's share of the balance-sheet total falls from 22.3% to 20.7%. Equity is higher and debt is lower.
Key figures and ratios
2024 value · change against 2023
EBITDA
€20,583▲
2023 · €11,190
Cash flow
€18,094▲
2023 · €8,147
Current ratio
5.71▲
2023 · 1.40
Debt to equity
0.26▼
2023 · 0.29
ROE
3.6%▲
2023 · -2.3%
ROA
2.8%▲
2023 · -1.8%
Interest coverage
8.27▲
2023 · 3.68
Debt ≤ 1 year
€3,507▼
2023 · €3,526
Debt > 1 year
€47,663▼
2023 · €50,639
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,546 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit under 5% of the balance sheet
2.3% went bankrupt
3.1% stopped otherwise
94% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 4.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,546 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 32 lines
Balance sheet Code20232024
Assets
Total assets20/58€242,913€246,913▲
Fixed assets21/28€237,969€226,871▼
Tangible fixed assets22/27€237,969€226,871▼
Land and buildings22€183,663€178,601▼
Plant, machinery and equipment23€54,307€48,270▼
Current assets29/58€4,944€20,042▲
Amounts receivable within one year40/41€2,180-
Trade receivables40€2,180-
Cash at bank and in hand54/58€2,764€20,042▲
Equity and liabilities
Total equity and liabilities10/49€242,913€246,913▲
Equity10/15€188,748€195,743▲
Contributions10/11€193,000€193,000=
Profit (loss) carried forward14-€4,252€2,743▲
Amounts payable17/49€54,165€51,170▼
Amounts payable after more than one year17€50,639€47,663▼
Financial debts170/4€50,639€47,663▼
Amounts payable within one year42/48€3,526€3,507▼
Current portion of amounts payable after more than one year42€2,842€2,977▲
Other amounts payable47/48€684€530▼
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12,399€11,098▼
Other operating charges640/8€1,078€3,456▲
Gross operating margin9900€12,269€24,040▲
Operating profit (loss)9901-€1,208€9,485▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€3,044€2,489▼
Recurring financial charges65€3,044€2,489▼
Profit (loss) for the period before taxes9903-€4,252€6,996▲
Profit (loss) for the period9904-€4,252€6,996▲
Profit (loss) for the period to be appropriated9905-€4,252€6,996▲
Appropriation of the result
Profit (loss) to be appropriated9906-€4,252€2,743▲
Profit (loss) brought forward from the previous period14P--€4,252

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12,399€11,098▼ 10.5%
Other operating charges640/8€1,078€3,456▲ 221%
Gross operating margin9900€12,269€24,040▲ 95.9%
Operating profit (loss)9901-€1,208€9,485▲ 885%
Financial income75/76B€0--
Recurring financial income75€0--
Financial charges65/66B€3,044€2,489▼ 18.2%
Recurring financial charges65€3,044€2,489▼ 18.2%
Profit (loss) for the period before taxes9903-€4,252€6,996▲ 265%
Profit (loss) for the period9904-€4,252€6,996▲ 265%
Profit (loss) for the period to be appropriated9905-€4,252€6,996▲ 265%
Line20232024Change
Assets
Total assets20/58€242,913€246,913▲ 1.6%
Fixed assets21/28€237,969€226,871▼ 4.7%
Tangible fixed assets22/27€237,969€226,871▼ 4.7%
Land and buildings22€183,663€178,601▼ 2.8%
Plant, machinery and equipment23€54,307€48,270▼ 11.1%
Current assets29/58€4,944€20,042▲ 305%
Amounts receivable within one year40/41€2,180--
Trade receivables40€2,180--
Cash at bank and in hand54/58€2,764€20,042▲ 625%
Equity and liabilities
Total equity and liabilities10/49€242,913€246,913▲ 1.6%
Equity10/15€188,748€195,743▲ 3.7%
Contributions10/11€193,000€193,000=
Profit (loss) carried forward14-€4,252€2,743▲ 165%
Amounts payable17/49€54,165€51,170▼ 5.5%
Amounts payable after more than one year17€50,639€47,663▼ 5.9%
Financial debts170/4€50,639€47,663▼ 5.9%
Amounts payable within one year42/48€3,526€3,507▼ 0.5%
Current portion of amounts payable after more than one year42€2,842€2,977▲ 4.7%
Other amounts payable47/48€684€530▼ 22.5%
Line20232024Change
Profit (loss) for the period9904-€4,252€6,996▲ 265%
+ Depreciation and write-downs630€12,399€11,098▼ 10.5%
Operating cash flow (approximation)€8,147€18,094▲ 122%
Investment in fixed assets (approximation)-€0-
Change in cash-€17,278-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
18-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
31-12
Financial Back to profitnet €6,996
Net result €6,996 after one loss-making year.
31-12
Financial Liquidity quadruplescurrent ratio 5.71
Current ratio from 1.40 to 5.71; short-term debt falls from €3,526 to €3,507.
13-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Charleroi · 2 establishment units since 2022
seat establishment All 2 establishment units on the map
Ground area
548 m²
Building footprint
112 m²
Volume, LiDAR
1,144 m³
2 parcels, Wallonia · tallest building 12.0 m, ±4 floors. Linked by address, not a title deed.
3 companies at this address See who is registered here
2 establishment units
CASA GINGKO
Rue Pont-à-Nole 34, 6032 CharleroiRenting and operating of own or leased residential real estate, excluding social housing
since 20222.339.250.614
CASA GINGKO
Rue du Brun Chêne 9, 6032 CharleroiRenting and operating of own or leased residential real estate, excluding social housing
since 20222.339.250.713
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52352B0044/00Z003 Wallonia 379 m² 1 · 58 m² 12.0 m · 4 fl.
52050A0354/00C002 Wallonia 169 m² 1 · 54 m² 11.8 m · 3 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded14-10-2022
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.