GAB CONSULT
ActiveThe computed 12-month bankruptcy probability of GAB CONSULT is 1.5% (moderate). The 2025 annual accounts show equity of €41k and a net result of €13k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 71% of 11210 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+76
Solvency93▲+37
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.89 against 1.37 in 2024; short-term debt: 32.1% and cash: 47.7% of total assets), and 32.1% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
67.9%
Return on assets
21.2%
Age of the figures
9 mo
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 14-07-2026, 17 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
17 d early
2024
15 d early
2023
5 d early
2022
68 d early
2021
12 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▲ 56.5%
2024 · €26k
2021: €28k
2022: €37k
2023: €49k
2024: €26k
2021 → 2025
Total assets
€60k▼ 27.5%
2024 · €83k
2021: €57k
2022: €57k
2023: €82k
2024: €83k
2021 → 2025
Net result
€13k
2024 · €-23k
2021: €28k
2022: €10k
2023: €13k
2024: €-23k
2021 → 2025
Working capital
€36k▲ 73.0%
2024 · €21k
2021: €19k
2022: €29k
2023: €37k
2024: €21k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€37k▲ 31.8%€49k▲ 32.4%€26k▼ 47.1%€41k▲ 56.5%
Operating result€39k-€14k▼ 65.1%€19k▲ 41.3%€-18k€17k
Net result€28k-€10k▼ 65.1%€13k▲ 31.4%€-23k€13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €17k after a loss of €18k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€4k▼ 19.7%
Current assets
€56k▼ 28.0%
Equity and liabilities €60k
Equity
€41k▲ 56.5%
Debt
€19k▼ 66.0%
The debt ratio falls from 68.5% to 32.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€22k▲
2024 · €-13k
Cash flow
€17k▲
2024 · €-18k
Solvency
67.9%▲
2024 · 31.5%
Current ratio
2.89▲
2024 · 1.37
Quick ratio
2.50▲
2024 · 1.14
Debt / equity
0.47▼
2024 · 2.18
ROE
31.2%▲
2024 · -88.9%
ROA
21.2%▲
2024 · -28.0%
Interest coverage
3.72▲
2024 · -2.60
Debt
€19k▼
2024 · €57k
Debt ≤ 1 year
€19k▼
2024 · €56k
Income taxes
€219▲
2024 · €193
Staff costs
€0▼
2024 · €10k
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€83k€60k▼
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Plant, machinery and equipment23€3k€736▼
Furniture and vehicles24€3k€4k▲
Current assets29/58€77k€56k▼
Stocks and contracts in progress3€13k€8k▼
Stocks30/36€13k€8k▼
Amounts receivable within one year40/41€13k€16k▲
Trade receivables40€13k€13k▲
Other amounts receivable41-€3k
Cash at bank and in hand54/58€32k€29k▼
Deferred charges and accrued income490/1€20k€4k▼
Equity and liabilities
Total equity and liabilities10/49€83k€60k▼
Equity10/15€26k€41k▲
Contributions10/11€1k€3k▲
Reserves13€48k€38k▼
Distributable reserves133€48k€38k▼
Profit (loss) carried forward14€-23k€0▲
Amounts payable17/49€57k€19k▼
Amounts payable within one year42/48€56k€19k▼
Financial debts43€25k€0▼
Credit institutions430/8€25k€0▼
Trade debts44€18k€6k▼
Suppliers440/4€18k€6k▼
Taxes, remuneration and social security45€12k€10k▼
Taxes450/3€12k€8k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€2k€4k▲
Accrued charges and deferred income492/3€456€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€10k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€2k€526▼
Gross operating margin9900€-2k€22k▲
Operating profit (loss)9901€-18k€17k▲
Financial income75/76B€236€1k▲
Recurring financial income75€236€1k▲
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€-23k€13k▲
Income taxes67/77€193€219▲
Profit (loss) for the period9904€-23k€13k▲
Profit (loss) for the period to be appropriated9905€-23k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-23k€-10k▲
Profit (loss) brought forward from the previous period14P-€-23k
Transfer from equity791/2-€10k
The notes to these accounts (7 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.89
Current ratio from 1.37 to 2.89; short-term debt falls from €56k to €19k.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-23k ▼280%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
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, Aywaille · 1 establishment unit since 2021
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.
Rue de Marche 354920 AywailleGround area
1,129 m²
Building footprint
83 m²
Parcel 62009D0728/00A000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de Marche(Alouettes) 35, 4920 Aywaille
since 20212.318.533.392
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62009D0728/00A000 | Wallonia | 1,128 m² | 1 · 83 m² | - |
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.
Similar companies · same sector, comparable size
BM TRADING
BE 0665.850.857
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MK service
BE 0750.818.996
Staden · Eq €41k
MCCA
BE 0761.999.534
Gembloux · Eq €41k
CROWN BUSINESS DEVELOPMENT
BE 0794.563.721
Retie · Eq €41k
BE HOME EUROPE
BE 0704.779.828
Nivelles · Eq €41k
Of 6,157 companies in sector 46190 we hold annual accounts for 2,567. 1,887 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-06-2021
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
56210Event catering
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.