Checked.be
Active
BE 0727.617.487Private limited company
G-TOR
Ter Duinenwijk(Odk) 8 ·8670 Koksijde, Belgium· 7 yrs active
Sector: Renting and operating of own or leased residential real estate, excluding social housing
(68201)
Conclusion
G-TOR has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.02M and a net result of €76k. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 95% of 8862 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €3.02M |
| Net result | €76k |
| Better than sector | 95% |
| Active | 7 yrs |
Financial profile
75
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
86
Profitability
12
Solvency
100
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2019, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
86
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€260k
estimate, not credit advice
Score history
56
2022
69
2023
94
2024
86
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 4.21 (≥ 1.5)
+10
Quick ratio
Quick ratio 4.08 (≥ 1.0)
+5
Leverage
Debt/equity 0.04 (< 1.0)
+10
Profitability
ROE 2%
+3
Interest coverage
Interest coverage 46.0× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 02-02-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable
Equity: stable across 4 fiscal years (±2.5%/year).
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 96.6% | 31.5% | |
| Net result | €76k | €11k | |
| Equity | €3.02M | €331k | |
| Gross operating margin | €128k | €93k | |
| Total assets | €3.13M | €1.42M |
€104k
+61.7%
22-25
€76k
-32.2%
22-25
€125k
-24.2%
22-25
€3.13M
-2.2%
22-25
€3.02M
+2.6%
22-25
€344k
+20.7%
22-25
€21k
+32.6%
22-25
€107k
-57.6%
22-25
€107k
-45.9%
22-25
€54k
-56.9%
22-25
4.21
+72.7%
22-25
4.08
+82.8%
22-25
96.6%
+4.9%
22-25
0.04
-58.7%
22-25
2.5%
-33.9%
22-25
2.4%
-30.7%
22-25
46.02
+165.2%
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema |
| Revenue | - | - | - | - |
| EBITDA | €104k | €64k | €87k | €78k |
| Net profit | €76k | €111k | €18k | €12k |
| Cash flow | €125k | €165k | €73k | €65k |
| Staff costs | - | - | - | - |
| Income taxes | €21k | €16k | €10k | €8k |
| Dividends | - | - | - | - |
| Total assets | €3.13M | €3.20M | €3.15M | €3.25M |
| Equity | €3.02M | €2.95M | €2.84M | €2.82M |
| Debt | €107k | €253k | €316k | €429k |
| of which ≤ 1y | €107k | €198k | €191k | €234k |
| of which > 1y | - | €54k | €125k | €195k |
| Working capital | €344k | €285k | €-24k | €-92k |
| Employees (FTE) | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 4.21 | 2.44 | 0.88 | 0.61 |
| Quick ratio | 4.08 | 2.23 | 0.66 | 0.49 |
| Working capital ratio | 11.0% | 8.9% | -0.8% | -2.8% |
| Solvency | 96.6% | 92.1% | 90.0% | 86.8% |
| Debt / equity | 0.04 | 0.09 | 0.11 | 0.15 |
| Long-term debt ratio | - | 0.02 | 0.04 | 0.07 |
| Interest coverage | 46.02 | 17.35 | 17.97 | 13.40 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 2.4% | 3.5% | 0.6% | 0.4% |
| ROE | 2.5% | 3.8% | 0.6% | 0.4% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (26 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €3.13M | €3.20M | €3.15M | €3.25M |
| Fixed assets | 21/28 | €2.68M | €2.72M | €2.99M | €3.11M |
| Tangible fixed assets | 22/27 | €627k | €665k | €693k | €745k |
| Financial fixed assets | 28 | €2.05M | €2.05M | €2.29M | €2.36M |
| Current assets | 29/58 | €451k | €483k | €167k | €142k |
| Stocks & contracts in progress | 3 | €14k | €41k | €41k | €27k |
| Amounts receivable within one year | 40/41 | €45k | €28k | €26k | €16k |
| Investments | 50/53 | €305k | €350k | - | - |
| Cash & bank | 54/58 | €85k | €62k | €98k | €89k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €3.13M | €3.20M | €3.15M | €3.25M |
| Equity | 10/15 | €3.02M | €2.95M | €2.84M | €2.82M |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k |
| Reserves | 13 | €798k | €726k | €615k | €597k |
| Accumulated profits (losses) | 14 | €2.21M | €2.20M | €2.20M | €2.20M |
| Amounts payable | 17/49 | €107k | €253k | €316k | €429k |
| Amounts payable after one year | 17 | - | €54k | €125k | €195k |
| Amounts payable within one year | 42/48 | €107k | €198k | €191k | €234k |
| Trade debts payable within one year | 44 | €12k | €4k | €2k | €15k |
| Income statement | |||||
| Gross operating margin | 9900 | €128k | €77k | €99k | €89k |
| Operating result | 9901 | €54k | €10k | €32k | €25k |
| Financial income | 75 | €45k | €121k | €1k | €227 |
| Financial charges | 65 | €2k | €4k | €5k | €6k |
| Result before taxes | 9903 | €97k | €127k | €28k | €20k |
| Income taxes | 67/77 | €21k | €16k | €10k | €8k |
| Net result for the period | 9904 | €76k | €111k | €18k | €12k |
| Result to be appropriated | 9905 | €76k | €111k | €18k | €12k |
Legal Structure
| NACE primary | Renting and operating of own or leased residential real estate, excluding social housing(68201) |
| Legal form | Private limited company(610) |
| Incorporation | 29-05-2019 |
| Status | Active |
| Postal code | 8670 |
Establishment units
G-TOR
since 20192.289.961.548
G-TOR
since 20242.367.522.649
Real-estate footprint
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38025C0568/00L003 | Flanders | 6,295 m² | 1 · 3,301 m² | 11.9 m |
| 38502G0972/00_000 | Flanders | 743 m² | 1 · 189 m² | 8.7 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 2 days late
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2022net €111k ▲512%
Net result €111k, the highest in the series.
30-06
Financial
Liquidity triplescurrent ratio 2.44
Current ratio from 0.88 to 2.44.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 17 days late
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Renting and operating of own or leased residential real estate, excluding social housing68201Retail sale of cars and light vans (up to 3.5 tonnes)47811Retail sale of motor vehicle parts and accessories47820Activities of head offices70100Business and other management consultancy70200Business consulting70220General maintenance and repair of cars and light vans (up to 3.5 tonnes)95311Repair and fitting of specific motor vehicle parts95313Bodywork repair (including spraying and painting)95314Other maintenance and repair of motor vehicles95319
Names & trade names
| Legal nameNL | G-TOR |
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