COMPUTERPAPIER GYSEMBERG

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of COMPUTERPAPIER GYSEMBERG is 0.2% (very low). The 2024 annual accounts show equity of €710k and a net result of €8k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 88% of 209 sector peers (fiscal year 2024). The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

2 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 88% of 209 peers (2024). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 18 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-06-2025, 47 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	14-06-2025	47 d early	2025-00142566
31-12-2023	31-07-2024	19-06-2024	42 d early	2024-00145404
31-12-2022	31-07-2023	26-06-2023	35 d early	2023-00165107
31-12-2021	31-07-2022	25-05-2022	67 d early	2022-20034356
31-12-2020	31-07-2021	21-08-2021	21 d late	2021-51900428
31-12-2019	31-07-2020	12-08-2020	12 d late	2020-40900228
31-12-2018	31-07-2019	04-08-2019	4 d late	2019-43800517
31-12-2017	31-07-2018	07-08-2018	7 d late	2018-44100123
31-12-2016	31-07-2017	14-08-2017	14 d late	2017-43600446
31-12-2015	31-07-2016	31-08-2016	31 d late	2016-55100473

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Long-established

Founded in 1988, 38 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.2% Very low

0%0,5%1,5%4%10%≥25%

Long track record −Lower-risk legal form −Lower-failure-rate sector −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Turnover€91k-22.7%

EBIT margin13.1%+24.3pp

Net result€8k-83.5%

Working capital€28k-11.4%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 14-06-2025 with the NBB · fiscal year 2024 · micro

RevenueOperating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~7.7%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 18 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	81.1%	49.3%	better than 88% of 209 sector peers
Net result	€8k	€8k	better than 51% of 208 sector peers
Equity	€710k	€25k	better than 95% of 209 sector peers
Gross operating margin	€29k	€22k	better than 59% of 206 sector peers
Staff costs	€-938	€33k	higher than 5% of 47 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P88

Stable position over 2020-2024 · n=60-209

Net result P51

Improving position over 2020-2024 · n=60-208

Equity P95

Stable position over 2020-2024 · n=60-209

Gross operating margin P59

Weakening position over 2020-2024 · n=60-206

Describes the position versus peers, not a forecast.

Revenue

€91k

-22.7% 18-24

EBITDA

€15k

- 18-24

Net profit

€8k

-83.5% 18-24

Cash flow

€11k

-78.4% 18-24

Total assets

€876k

+3.2% 18-24

Equity

€710k

+1.2% 18-24

Working capital

€28k

-11.4% 18-24

Employees (FTE)

2

-20.0% 18-24

Show 12 other metrics

Staff costs

€-938

- 18-24

Debt

€166k

+12.9% 18-24

Debt ≤ 1y

€166k

+15.6% 18-24

Current ratio

1.17

-4.2% 18-24

Quick ratio

1.17

-4.2% 18-24

Solvency

81.1%

-2.0% 18-24

Debt / equity

0.23

+11.6% 18-24

ROE

1.2%

-83.7% 18-24

ROA

0.9%

-84.0% 18-24

Net margin

9.1%

-78.7% 18-24

EBITDA margin

16.3%

- 18-24

Interest coverage

4.11

- 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	€91k
EBITDA	€15k
Net profit	€8k
Cash flow	€11k
Staff costs	€-938
Income taxes	-
Dividends	-
Total assets	€876k
Equity	€710k
Debt	€166k
of which ≤ 1y	€166k
of which > 1y	-
Working capital	€28k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	1.17
Quick ratio	1.17
Working capital ratio	3.2%
Solvency	81.1%
Debt / equity	0.23
Long-term debt ratio	-
Interest coverage	4.11
Gross margin	8.8%
Net margin	9.1%
ROA	0.9%
ROE	1.2%
EBITDA margin	16.3%
Days sales outstanding	191d
Days payable outstanding	570d
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €682k · 77.9% Current assets €194k · 22.1%

Equity & liabilities

Equity €710k · 81.1% Debt €166k · 18.9%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€876k
Fixed assets	21/28	€682k
Tangible fixed assets	22/27	€682k
Financial fixed assets	28	€190
Current assets	29/58	€194k
Amounts receivable within one year	40/41	€52k
Cash & bank	54/58	€136k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€876k
Equity	10/15	€710k
Contributions / capital	10/11	€124k
Reserves	13	€24k
Accumulated profits (losses)	14	€-38k
Amounts payable	17/49	€166k
Amounts payable within one year	42/48	€166k
Trade debts payable within one year	44	€129k
Income statement
Turnover	70	€91k
Gross operating margin	9900	€29k
Operating result	9901	€12k
Financial charges	65	€4k
Result before taxes	9903	€8k
Net result for the period	9904	€8k
Result to be appropriated	9905	€8k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

89 / 100 Excellent

050100

Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Nijverheidslaan(E) 323630 Maasmechelen

Establishment units

1 location

DRUKKERIJ GYSEMBERG

Nijverheidslaan(E) 32, 3630 MaasmechelenVervaardiging van producten van kunststof

since 19882.039.083.916

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area3,628 m²

Buildings1

Building footprint2,301 m²

Volume (LiDAR)13,055 m³

Tallest building8.4 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
73013D0976/00B000	Flanders	3,628 m²	1 · 2,301 m²	8.4 m · 1 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

All acts · 1 updated 2 years ago

2024

08-01-2024 Publication in the Belgian Official Gazette, Minor change Minor change·Tine SMEETS

Summary: Statutes changeNotary: Tine SMEETS · Maasmechelen

Original publication ↗

Analysis

Financial profile

5 of 5 axes measured

75 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 89

Profitability 53

Solvency 82

Growth 52

Stability 100

Credit advice

verdict per customer and amount

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We hold annual accounts for 16 of the 193 companies in this sector. 7 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Krantendrukkerijen18110Drukken van dagbladen18110Dagbladdrukkerijen22210Detailhandel in vaste, vloeibare en gasvormige brandstoffen, muv motorbrandstoffen47781Overige detailhandel, niet in winkels en exclusief markt- en straathandel47990Overige detailhandel, niet in winkels52630

Primary activity highlighted.

Names & trade names

Legal nameNL

COMPUTERPAPIER GYSEMBERG

Registered office

Nijverheidslaan(E) 32

3630 Maasmechelen, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.