COLONVAL-GESTASSUR
ActiveCOLONVAL-GESTASSUR has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €26k and a net result of €-7k. Equity is growing by ~35.3% per year across the filed fiscal years. Its solvency ranks better than 43% of 1740 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
61
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability59▼-25
Solvency52▲+1
Growth51▼-11
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.41 against 0.6 in 2023; short-term debt: 44.2% and cash: 1.2% of total assets), and 73.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
26.8%
Return on assets
-6.9%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-08-2025, 4 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
4 d late
2023
336 d late
2022
64 d late
2021
201 d late
2020
132 d late
2019
293 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€193k▲ 28.4%
2023 · €151k
2018: €153k
2019: €138k
2020: €131k
2021: €147k
2022: €150k
2023: €151k
2018 → 2024
EBIT margin
-2.3%▼ 14.5pp
2023 · 12.3%
2018: 3.2%
2019: 4.8%
2020: 10.7%
2021: 1.9%
2022: 4.8%
2023: 12.3%
2018 → 2024
Net result
€-7k
2023 · €12k
2018: €-1k
2019: €3k
2020: €12k
2021: €1k
2022: €6k
2023: €12k
2018 → 2024
Working capital
€-26k▼ 13.6%
2023 · €-22k
2018: €-26k
2019: €-6k
2020: €2k
2021: €-6k
2022: €847
2023: €-22k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€131k-€147k▲ 11.6%€150k▲ 2.0%€151k▲ 0.6%€193k▲ 28.4%
Equity€14k-€16k▲ 9.7%€21k▲ 36.1%€33k▲ 55.8%€26k▼ 20.4%
Operating result€14k-€3k▼ 80.5%€7k▲ 162%€18k▲ 157%€-4k
Net result€12k-€1k▼ 88.2%€6k▲ 310%€12k▲ 110%€-7k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €4k after €18k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €98k
Fixed assets
€80k▼ 12.8%
Current assets
€18k▼ 47.1%
Equity and liabilities €98k
Equity
€26k▼ 20.4%
Debt
€71k▼ 22.4%
The debt ratio falls from 73.7% to 73.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€17k▼
2023 · €26k
Cash flow
€15k▼
2023 · €20k
Solvency
26.8%▲
2023 · 26.3%
Current ratio
0.41▼
2023 · 0.60
Quick ratio
0.41▼
2023 · 0.60
Debt / equity
2.73▼
2023 · 2.80
ROE
-25.7%▼
2023 · 35.8%
ROA
-6.9%▼
2023 · 9.4%
Interest coverage
7.39▼
2023 · 26.34
Debt
€71k▼
2023 · €92k
Debt ≤ 1 year
€43k▼
2023 · €56k
Debt > 1 year
€28k▼
2023 · €36k
Staff costs
€40k▲
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€125k€98k▼
Fixed assets21/28€92k€80k▼
Tangible fixed assets22/27€92k€80k▼
Plant, machinery and equipment23€24k€30k▲
Furniture and vehicles24€5k€954▼
Leasing and similar rights25€62k€50k▼
Current assets29/58€33k€18k▼
Amounts receivable within one year40/41€20k€14k▼
Trade receivables40€19k€13k▼
Other amounts receivable41€2k€642▼
Cash at bank and in hand54/58€13k€1k▼
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€125k€98k▼
Equity10/15€33k€26k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€-31k€-37k▼
Amounts payable17/49€92k€71k▼
Amounts payable after more than one year17€36k€28k▼
Financial debts170/4€36k€28k▼
Amounts payable within one year42/48€56k€43k▼
Current portion of amounts payable after more than one year42€31k€8k▼
Financial debts43€2k€637▼
Credit institutions430/8€2k€637▼
Trade debts44€12k€12k▼
Suppliers440/4€12k€12k▼
Taxes, remuneration and social security45€9k€14k▲
Taxes450/3€5k€4k▼
Remuneration and social security454/9€4k€10k▲
Other amounts payable47/48€2k€8k▲
Income statement
Code20232024
Turnover70€151k€193k▲
Goods, raw materials, services and sundry goods60/61€114k€129k▲
Remuneration, social security and pensions62€4k€40k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€22k▲
Other operating charges640/8€6k€8k▲
Non-recurring operating charges66A€863-
Gross operating margin9900€37k€64k▲
Operating profit (loss)9901€18k€-4k▼
Financial income75/76B€6-
Recurring financial income75€6-
Financial charges65/66B€993€2k▲
Recurring financial charges65€993€2k▲
Profit (loss) for the period before taxes9903€17k€-7k▼
Income taxes67/77€6k-
Profit (loss) for the period9904€12k€-7k▼
Profit (loss) for the period to be appropriated9905€12k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€-37k▼
Profit (loss) brought forward from the previous period14P€-42k€-31k▲
Social balance
Average headcount (FTE)90870.20.9▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 4 days late
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 336 days late
2024
31-12
Financial
Weakest financial yearnet €-7k ▼157%
Net result drops to €-7k, the lowest in the series.
2023
31-12
Financial
Highest result since 2018net €12k ▲110%
Operating result €18k, net result €12k, both a record.
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 64 days late
17-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 201 days late
2021
10-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 132 days late
20-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 293 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
02-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 33 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
19-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 50 days late
2016
02-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 33 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Ham-sur-Heure-Nalinnes · 2 establishment units since 1989
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 Miserque(MLT) 96120 Ham-sur-Heure-NalinnesGround area
1,394 m²
Building footprint
360 m²
Volume, LiDAR
1,157 m³
2 parcels, Wallonia · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
SC FIDUCIAIRE COLONVAL
since 19892.043.952.425
FIDUCIAIRE COLONVAL
since 19892.043.952.524
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52025A0337/00D020 | Wallonia | 701 m² | 1 · 205 m² | - |
| 56048B0680/00S000 | Wallonia | 693 m² | 1 · 155 m² | 9.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
DUMABI
BE 0432.998.397
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NUMANO
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Gent · Eq €26k
CORPORATE GOVERNANCE CONSULTING
BE 0416.643.110
Grimbergen · Eq €26k
SOCIETE IMMOBILIERE DU HAINAUT
BE 0445.371.243
Quiévrain · Eq €26k
DANIMAR INTERNATIONAL
BE 0446.567.907
Hemiksem · Eq €26k
Of 2,267 companies in sector 69209 we hold annual accounts for 1,098. 651 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded16-06-1989
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
69202Legal and accounting activities
69209Other tax advisory services
74121
69201Accountants
74122
Sources
Crossroads Bank for EnterprisesNational Bank · 34 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.