G.B.S.
ActiveG.B.S. has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €187k and a net result of €10k. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 24% of 27451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
63
/ 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
Profitability57▲+4
Solvency48▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 3.01 against 3.72 in 2024; short-term debt: 5% and cash: 9.5% of total assets), but 77.1% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
22.9%
Return on assets
1.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 27451 sector peers (2025).
NBB · sector comparisonPosition among 27451 sector peers
Solvency
better than 24%
← weakest
strongest →
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
15 d early
2023
29 d early
2022
32 d early
2021
18 d early
2020
12 d early
2019
45 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€187k▲ 5.6%
2024 · €177k
2018: €80k
2019: €125k
2020: €142k
2021: €158k
2022: €185k
2023: €170k
2024: €177k
2018 → 2025
Total assets
€817k▼ 1.3%
2024 · €828k
2018: €93k
2019: €133k
2020: €161k
2021: €851k
2022: €859k
2023: €811k
2024: €828k
2018 → 2025
Net result
€10k▲ 44.7%
2024 · €7k
2018: €19k
2019: €50k
2020: €18k
2021: €16k
2022: €26k
2023: €-14k
2024: €7k
2018 → 2025
Working capital
€82k▼ 0.5%
2024 · €82k
2018: €74k
2019: €118k
2020: €128k
2021: €92k
2022: €116k
2023: €89k
2024: €82k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€158k-€185k▲ 16.6%€170k▼ 7.7%€177k▲ 4.0%€187k▲ 5.6%
Operating result€22k-€46k▲ 114%€-5k€16k€23k▲ 43.4%
Net result€16k-€26k▲ 65.8%€-14k€7k€10k▲ 44.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 43% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €817k
Fixed assets
€695k▼ 2.9%
Current assets
€123k▲ 8.8%
Equity and liabilities €817k
Equity
€187k▲ 5.6%
Debt
€630k▼ 3.2%
The debt ratio falls from 78.6% to 77.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€50k▲
2024 · €39k
Cash flow
€37k▲
2024 · €30k
Solvency
22.9%▲
2024 · 21.4%
Current ratio
3.01▼
2024 · 3.72
Quick ratio
2.79▼
2024 · 3.54
Debt / equity
3.37▼
2024 · 3.67
ROE
5.3%▲
2024 · 3.8%
ROA
1.2%▲
2024 · 0.8%
Interest coverage
4.44▲
2024 · 3.97
Debt
€630k▼
2024 · €651k
Debt ≤ 1 year
€41k▲
2024 · €30k
Debt > 1 year
€589k▼
2024 · €620k
Income taxes
€3k▲
2024 · €128
Staff costs
€53k▲
2024 · €52k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€828k€817k▼
Fixed assets21/28€715k€695k▼
Tangible fixed assets22/27€715k€695k▼
Land and buildings22€673k€660k▼
Plant, machinery and equipment23€6k€6k▼
Furniture and vehicles24€36k€28k▼
Other tangible fixed assets26€537-
Current assets29/58€113k€123k▲
Stocks and contracts in progress3€5k€9k▲
Stocks30/36€4k€6k▲
Contracts in progress37€1k€3k▲
Amounts receivable within one year40/41€28k€32k▲
Trade receivables40€6k€24k▲
Other amounts receivable41€22k€8k▼
Cash at bank and in hand54/58€78k€78k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€828k€817k▼
Equity10/15€177k€187k▲
Contributions10/11€19k€19k=
Reserves13€26k€26k=
Distributable reserves133€26k€26k=
Profit (loss) carried forward14€132k€142k▲
Amounts payable17/49€651k€630k▼
Amounts payable after more than one year17€620k€589k▼
Financial debts170/4€460k€589k▲
Other amounts payable178/9€160k-
Amounts payable within one year42/48€30k€41k▲
Current portion of amounts payable after more than one year42€30k€31k▲
Trade debts44-€6k
Suppliers440/4-€6k
Taxes, remuneration and social security45-€3k
Taxes450/3-€3k
Income statement
Code20242025
Remuneration, social security and pensions62€52k€53k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€27k▲
Other operating charges640/8€4k€3k▼
Non-recurring operating charges66A-€3k
Gross operating margin9900€95k€109k▲
Operating profit (loss)9901€16k€23k▲
Financial income75/76B€740€829▲
Recurring financial income75€740€829▲
Financial charges65/66B€10k€11k▲
Recurring financial charges65€10k€11k▲
Profit (loss) for the period before taxes9903€7k€13k▲
Income taxes67/77€128€3k▲
Profit (loss) for the period9904€7k€10k▲
Profit (loss) for the period to be appropriated9905€7k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€132k€142k▲
Profit (loss) brought forward from the previous period14P€126k€132k▲
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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-14k ▼154%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €158k ▲11.1%
4 profitable years in a row build equity to €158k.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €50k ▲159%
Operating result €62k, net result €50k, both a record.
31-12
Financial
Equity above €100kEq €125k ▲56.3%
2 profitable years in a row build equity to €125k.
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
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
1 act for this company is 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, Zoersel · 2 establishment units since 2006
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.
Risschotlei 202980 ZoerselGround area
5,128 m²
Building footprint
410 m²
Volume, LiDAR
2,052 m³
2 parcels, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
-
since 20062.160.604.823
Hoge Dreef 36, 2980 Zoersel
since 20182.280.897.194
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11055A0020/00K000 | Flanders | 3,827 m² | 1 · 236 m² | 9.4 m · 2 fl. |
| 11017A0596/00M000 | Flanders | 1,301 m² | 1 · 173 m² | 8.6 m · 1 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
GDM
BE 0806.666.450
Lebbeke · Eq €187k
LOODTS
BE 0420.758.779
Kasterlee · Eq €187k
R&N
BE 0897.732.426
Oostende · Eq €187k
WATILLON & Fils
BE 0474.178.263
Charleroi · Eq €187k
HPS+
BE 0600.858.085
Wemmel · Eq €188k
Of 15,542 companies in sector 43990 we hold annual accounts for 7,421. 5,907 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-11-2006
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
45250
43320Joinery installation
45421
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.