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CFG GACHARD

Active
Private limited companyfounded 2005active for 21 yearsQuai Arthur Rimbaud 6, 6000 Charleroi, BelgiumKBO/BCE: BE 0872.709.790
Summary

CFG GACHARD has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €566,124 and a net result of €53,625. Equity has been growing by about 54% per year since 2018. Its solvency ranks better than 36% of 4,123 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 24-03-2005 Normal situation
Registered office
32 active companies are registered at this address Source: KBO register, as of 2 November 2026.
Activity
Certified accountants and tax accountants NACE 69201and 1 other
Establishment units
2.146.303.954 6000 Charleroi, since 01-06-2005
2.146.304.053 1050 Elsene, since 01-06-2005
Financial year end
31 December
Peppol
Reachable since 10-02-2026

Board and ownership

Board
  • BOSTEELS OlivierDirector · since 27-11-2020
  • LEFEBVRE OlivierDirector · since 27-11-2020

Financial position

94 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€162,018
▼ 2.4%
Turnover
≈ €310,000
estimated
Profit
€53,625
▼ 18.4%
Equity
€566,124
▲ 166%
Total assets
€2.1m
▲ 13.5%
Score breakdownraises riskLiquidity: current ratio 0.38, cash €10,328lowers riskSize: total assets €2.1mFigures for financial year 2025 (filed on 08-07-2026)Sector: Legal and accounting activities (NACE 69)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 49% of small companies in legal and accounting (NACE 69)
Financial strength · tick: 2024
Strong
Solvency 52+15
equity 27.5% of total assets
Liquidity 51+2
short-term debt 9.3% · cash 0.5%
Profitability 72-1
return on assets 2.6%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (1,477 companies, NACE 69, small)
Last 24 months 12-2024: 0.9% 01-2025: 0.9%● unchanged vs 12-2024 02-2025: 1.0%▲ +0.1 percentage points vs 01-2025 03-2025: 1.0%● unchanged vs 02-2025 04-2025: 1.1%▲ +0.1 percentage points vs 03-2025 05-2025: 1.1%● unchanged vs 04-2025 06-2025: 1.0%▼ -0.1 percentage points vs 05-2025 07-2025: 1.2%▲ +0.2 percentage points vs 06-2025highest value 08-2025: 0.6%▼ -0.6 percentage points vs 07-2025 09-2025: 0.6%● unchanged vs 08-2025 10-2025: 0.6%● unchanged vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.6%● unchanged vs 12-2025 02-2026: 0.6%● unchanged vs 01-2026 03-2026: 0.7%▲ +0.1 percentage points vs 02-2026 04-2026: 0.7%● unchanged vs 03-2026 05-2026: 0.7%● unchanged vs 04-2026 06-2026: 0.3%▼ -0.4 percentage points vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: < 0.1%▼ -0.3 percentage points vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value 11-2026: < 0.1%● unchanged vs 10-2026lowest value
Credit of up to €50,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.38 (0.32 in 2024), below 1. Short-term debt is 9.3% and cash 0.5% of total assets. 72.5% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, small). It does better than 33% of them on solvency, 37% on liquidity, 30% on profitability and 96% on growth.

The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €2.1m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.38, cash €10,328
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 08-07-2026)
NBB · annual accounts
lowers risk · Sector: Legal and accounting activities (NACE 69)
KBO
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
23 days early
2024
34 days early
2023
63 days early
2022
34 days early
2021
38 days early
2020
29 days early
2019
31 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 36 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Equity rose in 2025from €212,499 to €566,124 ▲ 166% View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €53,625 8 years View

Recent changes

  1. · Gazette deed Registered office moved within Charleroi
  2. · Gazette deed Incorporation
All 17 events

Comparable companies

These companies have the same main activity as CFG GACHARD: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €1.6m and €2.5m, founded between 2001 and 2007.

CompanyTotal assetsGross margin
CFG GACHARD Charleroi€2.1m€0.2m
YVES HUYSENTRUYT Brugge€1.8m€0.2m
WILRIS Beerse€2.1m€0.2m
FAMIMA Brugge€2.2m€0.2m
FIDUCIAIRE CUVELIER Mons€1.6m€0.2m
Altrimenti CEFILUX Libramont-Chevigny€2.5m€0.2m
Goezicht Lo-Reninge€2.3m€0.2m
Full comparison

Key facts about CFG GACHARD

What is the company number of CFG GACHARD?
The company number of CFG GACHARD is 0872.709.790. The VAT number is the same number with BE in front: BE 0872.709.790.
Where is CFG GACHARD based?
The registered office is at Quai Arthur Rimbaud 6, 6000 Charleroi.Company details
What does CFG GACHARD do?
According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
What is the legal form of CFG GACHARD?
The legal form of CFG GACHARD is Private limited company (BV).
When was CFG GACHARD founded?
CFG GACHARD was founded on 24-03-2005.
Is CFG GACHARD still active?
Yes, CFG GACHARD is an active enterprise in the KBO register.
How many employees does CFG GACHARD have?
CFG GACHARD had an average of 12.5 full-time equivalents in financial year 2020, according to the filed annual accounts.Financials
What is the turnover of CFG GACHARD?
The turnover in financial year 2025 is ≈ €310,000. This figure is estimated from the gross margin of €162,018 and 53 comparable companies (NACE 69201). It probably lies between €250,000 and €370,000.
Is CFG GACHARD profitable?
In financial year 2025, CFG GACHARD made a profit of €53,625.
Where can I find the annual accounts of CFG GACHARD?
CFG GACHARD filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of CFG GACHARD due?
CFG GACHARD must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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