G & A
ActiveG & A has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €852k and a net result of €153k. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 26% of 37964 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▲+5
Solvency54▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days only on tighter terms
Liquidity short (current ratio 0.06 against 0.03 in 2023; short-term debt: 71.2% and cash: 2.2% of total assets), and 71.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
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 2024Solvency, return and age of the figures
Solvency
28.8%
Return on assets
5.2%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-12-2025, 123 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
123 d late
2023
107 d late
2022
31 d late
2021
95 d late
2020
89 d late
2019
108 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€852k▲ 21.9%
2023 · €699k
2018: €489k
2019: €509k
2020: €530k
2021: €560k
2022: €669k
2023: €699k
2018 → 2024
Total assets
€2.96M▲ 1.4%
2023 · €2.92M
2018: €2.99M
2019: €2.96M
2020: €2.96M
2021: €2.95M
2022: €3.03M
2023: €2.92M
2018 → 2024
Net result
€153k▲ 396%
2023 · €31k
2018: €14k
2019: €19k
2020: €21k
2021: €30k
2022: €108k
2023: €31k
2018 → 2024
Working capital
€-1.99M▲ 7.7%
2023 · €-2.16M
2018: €-2.35M
2019: €-2.33M
2020: €-2.30M
2021: €-2.28M
2022: €-2.19M
2023: €-2.16M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€530k-€560k▲ 5.7%€669k▲ 19.3%€699k▲ 4.6%€852k▲ 21.9%
Operating result€42k-€60k▲ 42.8%€243k▲ 304%€54k▼ 77.9%€215k▲ 301%
Net result€21k-€30k▲ 40.9%€108k▲ 261%€31k▼ 71.5%€153k▲ 396%
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 2024; 2024 is 301% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.96M
Fixed assets
€2.85M▼ 0.5%
Current assets
€116k▲ 93.1%
Equity and liabilities €2.96M
Equity
€852k▲ 21.9%
Debt
€2.11M▼ 5.0%
The debt ratio falls from 76.0% to 71.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€234k▲
2023 · €83k
Cash flow
€172k▲
2023 · €60k
Solvency
28.8%▲
2023 · 24.0%
Current ratio
0.06▲
2023 · 0.03
Quick ratio
0.06▲
2023 · 0.03
Debt / equity
2.47▼
2023 · 3.17
ROE
17.9%▲
2023 · 4.4%
ROA
5.2%▲
2023 · 1.1%
Interest coverage
28.33▲
2023 · 20.31
Debt
€2.11M▼
2023 · €2.22M
Debt ≤ 1 year
€2.11M▼
2023 · €2.22M
Income taxes
€55k▲
2023 · €19k
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€2.92M€2.96M▲
Fixed assets21/28€2.86M€2.85M▼
Tangible fixed assets22/27€254k€240k▼
Land and buildings22€225k€215k▼
Plant, machinery and equipment23€24k€23k▼
Furniture and vehicles24€5k€2k▼
Financial fixed assets28€2.60M€2.60M=
Current assets29/58€60k€116k▲
Amounts receivable within one year40/41€57k€48k▼
Trade receivables40€16k€7k▼
Other amounts receivable41€42k€42k=
Cash at bank and in hand54/58€0€64k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€2.92M€2.96M▲
Equity10/15€699k€852k▲
Contributions10/11€19k€19k=
Reserves13€681k€834k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€681k€834k▲
Amounts payable17/49€2.22M€2.11M▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€2.22M€2.11M▼
Current portion of amounts payable after more than one year42€42k€0▼
Financial debts43€3k€0▼
Credit institutions430/8€3k€0▼
Trade debts44€4k€0▼
Suppliers440/4€4k€0▼
Advances received on contracts in progress46€98k€98k=
Taxes, remuneration and social security45€11k€85k▲
Taxes450/3€11k€52k▲
Remuneration and social security454/9-€33k
Other amounts payable47/48€2.06M€1.93M▼
Income statement
Code20232024
Non-recurring operating income76A€12k€199k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€19k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-11k€0▲
Other operating charges640/8€7k€7k▼
Non-recurring operating charges66A€32k€0▼
Gross operating margin9900€111k€241k▲
Operating profit (loss)9901€54k€215k▲
Financial income75/76B€1€789▲
Recurring financial income75€1€789▲
Financial charges65/66B€4k€8k▲
Recurring financial charges65€4k€8k▲
Profit (loss) for the period before taxes9903€50k€208k▲
Income taxes67/77€19k€55k▲
Profit (loss) for the period9904€31k€153k▲
Profit (loss) for the period to be appropriated9905€31k€153k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€153k▲
Transfer to equity691/2€31k€153k▲
To other reserves6921€31k€153k▲
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
01-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 123 days late
2024
31-12
Financial
Highest result since 2018net €153k ▲396%
Net result €153k, the highest in the series.
15-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 107 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 95 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
16-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 108 days late
2019
31-12
Financial
Equity above €500kEq €509k ▲4%
2 profitable years in a row build equity to €509k.
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 56 days late
2018
17-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 78 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Maldegem · 1 establishment unit since 1998
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.
Veldekens 1019991 MaldegemGround area
664 m²
Building footprint
121 m²
Volume, LiDAR
564 m³
Parcel 43001C1042/00A000, Flanders · tallest building 7.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
G & A BVBA
since 19982.087.899.363
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43001C1042/00A000 | Flanders | 664 m² | 1 · 121 m² | 7.4 m · 1 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.
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 29,580 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-07-1998
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.