G.T.I.
ActiveG.T.I. has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39k and a net result of €22k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 1199 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-10
Solvency48▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.47 against 1.25 in 2024; short-term debt: 65.5% and cash: 20.5% of total assets), and 77.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 81
Relative position
BE, all sectors
reference
Sector 81
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
22.8%
Return on assets
12.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
12 d late
2023
29 d late
2022
32 d late
2021
82 d late
2020
107 d late
2019
459 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€117k
EBIT margin
-10.5%
Net result
€22k▲ 28.8%
2024 · €17k
2018: €462
2019: €-7k
2020: €-7k
2021: €10k
2022: €-14k
2023: €13k
2024: €17k
2018 → 2025
Working capital
€-60k
2024 · €8k
2018: €8k
2019: €-9k
2020: €-12k
2021: €-860
2022: €-39k
2023: €-17k
2024: €8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€117k
Equity€719-€-13k€-195▲ 98.5%€17k€39k▲ 130%
Operating result€11k-€-12k€17k€20k▲ 23.2%€28k▲ 34.3%
Net result€10k-€-14k€13k€17k▲ 36.0%€22k▲ 28.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 34% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €173k
Fixed assets
€120k▲ 193%
Current assets
€53k▲ 31.5%
Equity and liabilities €173k
Equity
€39k▲ 130%
Debt
€133k▲ 109%
The debt ratio falls from 78.9% to 77.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€78k▲
2024 · €41k
Cash flow
€73k▲
2024 · €38k
Solvency
22.8%▲
2024 · 21.1%
Current ratio
0.47▼
2024 · 1.25
Quick ratio
0.31▼
2024 · 0.70
Debt / equity
3.38▼
2024 · 3.73
ROE
56.6%▼
2024 · 101.1%
ROA
12.9%▼
2024 · 21.4%
Interest coverage
15.05▲
2024 · 12.98
Debt
€133k▲
2024 · €64k
Debt ≤ 1 year
€113k▲
2024 · €32k
Debt > 1 year
€20k▼
2024 · €32k
Staff costs
€5k
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€81k€173k▲
Fixed assets21/28€41k€120k▲
Tangible fixed assets22/27€41k€120k▲
Plant, machinery and equipment23-€6k
Furniture and vehicles24€41k€114k▲
Financial fixed assets28€45€45=
Current assets29/58€40k€53k▲
Stocks and contracts in progress3€18k€17k▼
Stocks30/36€18k€17k▼
Cash at bank and in hand54/58€22k€35k▲
Equity and liabilities
Total equity and liabilities10/49€81k€173k▲
Equity10/15€17k€39k▲
Contributions10/11€68k€68k=
Capital10€68k€68k=
Issued capital100€68k€68k=
Reserves13€7k€7k=
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Profit (loss) carried forward14€-58k€-36k▲
Amounts payable17/49€64k€133k▲
Amounts payable after more than one year17€32k€20k▼
Financial debts170/4€32k€20k▼
Amounts payable within one year42/48€32k€113k▲
Current portion of amounts payable after more than one year42-€14k
Financial debts43€11k€12k▲
Credit institutions430/8€11k€12k▲
Trade debts44€7k€28k▲
Suppliers440/4€7k€28k▲
Taxes, remuneration and social security45€478€15k▲
Taxes450/3€478€2k▲
Remuneration and social security454/9-€14k
Other amounts payable47/48€13k€44k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€51k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A-€5k
Gross operating margin9900€42k€90k▲
Operating profit (loss)9901€20k€28k▲
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€17k€22k▲
Profit (loss) for the period9904€17k€22k▲
Profit (loss) for the period to be appropriated9905€17k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-58k€-36k▲
Profit (loss) brought forward from the previous period14P€-75k€-58k▲
The notes to these accounts (6 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
31-12
Financial
Highest result since 2018net €22k ▲28.8%
Operating result €28k, net result €22k, both a record.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 1.25
Current ratio from 0.52 to 1.25; short-term debt falls from €35k to €32k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet €-14k ▼236%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
21-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 82 days late
2021
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
15-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 107 days late
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 459 days late
2020
01-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 275 days late
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 62 days late
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Kampenhout · 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.
Patrijzenlaan 381910 KampenhoutGround area
485 m²
Building footprint
181 m²
Volume, LiDAR
985 m³
Parcel 23008D0005/00F000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TERRA E MAR
since 19982.046.040.893
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23008D0005/00F000 | Flanders | 485 m² | 1 · 181 m² | 8.7 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteKampenhout2.046.040.893
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Of 7,012 companies in sector 81220 we hold annual accounts for 2,415. 1,969 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded13-09-1989
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
74700
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@terraemar.be