G&F is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €34k and a net result of €23k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 83% of 8024 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
4 d early
2024
24 d early
2023
7 d early
2022
43 d early
2021
7 d early
2020
1 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▲ 196%
2024 · €12k
2021: €-2k
2022: €-3k
2023: €-4k
2024: €12k
2021 → 2025
Net result
€23k▲ 44.6%
2024 · €16k
2021: €-2k
2022: €-908
2023: €-1k
2024: €16k
2021 → 2025
Total assets
€40k▲ 153%
2024 · €16k
2021: €873
2022: €737
2023: €30
2024: €16k
2021 → 2025
Solvency
85.4%▲ 12.2pp
2024 · 73.1%
2021: -231.0%
2022: -396.6%
2023: -13860.7%
2024: 73.1%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-2k-€-3k▼ 45.0%€-4k▼ 40.7%€12k€34k▲ 196%
Operating result€-2k-€-755▲ 49.7%€-1k▼ 33.1%€19k€32k▲ 64.8%
Net result€-2k-€-908▲ 42.0%€-1k▼ 31.1%€16k€23k▲ 44.6%
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 65% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40k
Fixed assets
€995
Current assets
€39k
Equity and liabilities €40k
Equity
€34k▲ 196%
Debt
€6k▲ 38.0%
The debt ratio falls from 26.9% to 14.6%. Equity and debt are higher.
Key figures and ratios
Solvency
85.4%▲
2024 · 73.1%
ROE
66.2%▼
2024 · 135.3%
ROA
56.5%▼
2024 · 99.0%
Debt
€6k▲
2024 · €4k
Debt ≤ 1 year
€6k▲
2024 · €4k
Income taxes
€9k▲
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€16k€40k▲
Fixed assets21/28-€995
Tangible fixed assets22/27-€995
Furniture and vehicles24-€995
Current assets29/58€16k€39k▲
Amounts receivable after more than one year29€7k€19k▲
Other amounts receivable291€7k€19k▲
Amounts receivable within one year40/41€8k€2k▼
Trade receivables40€7k€502▼
Other amounts receivable41€492€1k▲
Cash at bank and in hand54/58€306€18k▲
Deferred charges and accrued income490/1€790-
Equity and liabilities
Total equity and liabilities10/49€16k€40k▲
Equity10/15€12k€34k▲
Contributions10/11€3k€3k=
Reserves13€9k€32k▲
Distributable reserves133€9k€32k▲
Amounts payable17/49€4k€6k▲
Amounts payable within one year42/48€4k€6k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Advances received on contracts in progress46-€160
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48-€680
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€135
Other operating charges640/8€227-
Gross operating margin9900€20k€32k▲
Operating profit (loss)9901€19k€32k▲
Financial charges65/66B€196€154▼
Recurring financial charges65€196€154▼
Profit (loss) for the period before taxes9903€19k€32k▲
Income taxes67/77€4k€9k▲
Profit (loss) for the period9904€16k€23k▲
Profit (loss) for the period to be appropriated9905€16k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€23k▲
Profit (loss) brought forward from the previous period14P€-7k-
Transfer to equity691/2€9k€23k▲
To other reserves6921€9k€23k▲
The notes to these accounts (5 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
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2021net €23k ▲44.6%
Operating result €32k, net result €23k, both a record.
07-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €16k
Net result €16k after 3 loss-making years.
30-06
Financial
Liquidity times 520current ratio 3.72
Current ratio from 0.01 to 3.72.
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day 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, Antwerpen · 1 establishment unit since 2019
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.
Rubenslei 32018 AntwerpenGround area
536 m²
Building footprint
389 m²
Volume, LiDAR
11,152 m³
Parcel 11808H1207/00P005, Flanders · tallest building 30.5 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
G&F
since 20192.293.666.651
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1207/00P005 | Flanders | 536 m² | 1 · 389 m² | 30.5 m · 10 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
MARLIE
BE 0743.376.623
Turnhout · Eq €34k
STEFKER
BE 0735.372.737
Pelt · Eq €34k
Evelien Vanhooren
BE 0691.981.667
De Haan · Eq €34k
Lapithen
BE 0772.496.815
Bornem · Eq €34k
TETRASERVE
BE 0808.604.668
Haaltert · Eq €34k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 9,220 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-09-2019
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
46180Agents specialised in the wholesale of other particular products
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.