De Gussemé
ActiveSummary
De Gussemé has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €145k and a net result of €3k. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 53% of 3121 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▼-5
Solvency61=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.87 against 1.93 in 2024; short-term debt: 28.8% and cash: 11.1% of total assets), but 64.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
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
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
35.8%
Return on assets
0.7%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
3 d late
2024
27 d early
2023
23 d early
2022
28 d early
2021
45 d early
2020
40 d early
2019
32 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€145k▲ 2.0%
2024 · €142k
2018: €13k
2019: €487
2020: €79k
2021: €106k
2022: €120k
2023: €137k
2024: €142k
2018 → 2025
Total assets
€405k▲ 1.7%
2024 · €398k
2018: €163k
2019: €197k
2020: €159k
2021: €177k
2022: €179k
2023: €334k
2024: €398k
2018 → 2025
Net result
€3k▼ 51.2%
2024 · €6k
2018: €-474
2019: €-12k
2020: €79k
2021: €27k
2022: €14k
2023: €17k
2024: €6k
2018 → 2025
Working capital
€101k▲ 21.0%
2024 · €83k
2018: €-69k
2019: €-93k
2020: €39k
2021: €87k
2022: €95k
2023: €67k
2024: €83k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€106k-€120k▲ 13.2%€137k▲ 14.0%€142k▲ 4.2%€145k▲ 2.0%
Operating result€36k-€18k▼ 48.5%€31k▲ 65.8%€26k▼ 14.7%€27k▲ 3.7%
Net result€27k-€14k▼ 47.8%€17k▲ 20.0%€6k▼ 66.0%€3k▼ 51.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €405k
Fixed assets
€188k ▼ 16.8%
Current assets
€218k ▲ 25.8%
Equity and liabilities €405k
Equity
€145k ▲ 2.0%
Debt
€260k ▲ 1.6%
Debt's share of the balance-sheet total falls from 64.3% to 64.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€64k▲
2024 · €62k
Cash flow
€40k▼
2024 · €42k
Current ratio
1.87▼
2024 · 1.93
Quick ratio
1.77▼
2024 · 1.91
Debt to equity
1.79▼
2024 · 1.80
ROE
1.9%▼
2024 · 4.0%
ROA
0.7%▼
2024 · 1.4%
Interest coverage
2.91▼
2024 · 3.39
Debt ≤ 1 year
€117k▲
2024 · €90k
Debt > 1 year
€121k▼
2024 · €166k
Income taxes
€3k▼
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€398k€405k▲
Fixed assets21/28€225k€188k▼
Tangible fixed assets22/27€215k€177k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€112k€87k▼
Leasing and similar rights25€95k€84k▼
Financial fixed assets28€10k€10k=
Current assets29/58€173k€218k▲
Stocks and contracts in progress3€2k€11k▲
Stocks30/36€2k€11k▲
Amounts receivable within one year40/41€148k€152k▲
Trade receivables40€100k€133k▲
Other amounts receivable41€48k€19k▼
Cash at bank and in hand54/58€16k€45k▲
Deferred charges and accrued income490/1€7k€10k▲
Equity and liabilities
Total equity and liabilities10/49€398k€405k▲
Equity10/15€142k€145k▲
Contributions10/11€40k€40k=
Reserves13€102k€105k▲
Distributable reserves133€102k€105k▲
Amounts payable17/49€256k€260k▲
Amounts payable after more than one year17€166k€121k▼
Financial debts170/4€166k€121k▼
Amounts payable within one year42/48€90k€117k▲
Current portion of amounts payable after more than one year42€46k€45k▼
Trade debts44€31k€47k▲
Suppliers440/4€31k€47k▲
Taxes, remuneration and social security45€12k€12k▲
Taxes450/3€12k€12k▲
Other amounts payable47/48-€12k
Accrued charges and deferred income492/3€460€23k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€37k▲
Other operating charges640/8€35k€10k▼
Gross operating margin9900€97k€74k▼
Operating profit (loss)9901€26k€27k▲
Financial income75/76B€2k€989▼
Recurring financial income75€2k€989▼
Financial charges65/66B€18k€22k▲
Recurring financial charges65€18k€22k▲
Profit (loss) for the period before taxes9903€10k€6k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€6k€3k▼
Profit (loss) for the period to be appropriated9905€6k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€3k▼
Transfer to equity691/2€6k€3k▼
To other reserves6921€6k€3k▼
The notes to these accounts (10 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €106k ▲33.8%
2 profitable years in a row build equity to €106k.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €79k
Net result €79k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 1.53
Current ratio from 0.41 to 1.53; short-term debt falls from €157k to €74k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Lede · 1 establishment unit since 2002
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.
Blomstraat 469340 LedeGround area
3,450 m²
Building footprint
96 m²
Volume, LiDAR
504 m³
Parcel 41034C1084/00K000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Blomstraat 46, 9340 Lede
since 20022.095.934.230
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41034C1084/00K000 | Flanders | 3,450 m² | 1 · 96 m² | 9.4 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.
Similar companies · same sector, comparable size
Stassen Stro
BE 0631.786.338
Riemst · Eq €145,021
BUDAMA
BE 0455.875.947
Merchtem · Eq €145,205
G.M.G.
BE 0452.750.072
Nandrin · Eq €145,724
KGS
BE 0737.806.843
Bree · Eq €147,505
ANTHESIS
BE 0743.739.976
Hamois · Eq €147,606
Of 5,167 companies in sector 01110 we hold annual accounts for 612. 480 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-02-2002
Fiscal year end31-12
Activities, NACEBEL 2025
01110Growing of cereals (except rice), leguminous crops and oil seeds
66210Risk and damage evaluation
01610Support activities for crop production
46231Wholesale of live animals
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.