GABILOU
ActiveGABILOU has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €19k. Equity is growing by ~42.1% per year across the filed fiscal years. Its solvency ranks better than 37% of 18281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+26
Solvency44▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.08 in 2024; short-term debt: 81.4% and cash: 18.8% of total assets), and 81.4% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
18.6%
Return on assets
13.3%
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 31-08-2026, 31 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
31 d late
2024
57 d late
2023
29 d late
2022
59 d late
2021
53 d early
2020
25 d early
2019
122 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▲ 255%
2024 · €8k
2018: €-23k
2019: €-40k
2020: €-38k
2021: €-43k
2022: €-11k
2023: €4k
2024: €8k
2018 → 2025
Total assets
€144k▲ 41.5%
2024 · €102k
2018: €54k
2019: €39k
2020: €107k
2021: €79k
2022: €52k
2023: €81k
2024: €102k
2018 → 2025
Net result
€19k▲ 507%
2024 · €3k
2018: €-24k
2019: €-17k
2020: €2k
2021: €-5k
2022: €32k
2023: €15k
2024: €3k
2018 → 2025
Working capital
€27k▲ 261%
2024 · €7k
2018: €-26k
2019: €-43k
2020: €-6k
2021: €-19k
2022: €5k
2023: €12k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-43k-€-11k▲ 74.6%€4k€8k▲ 72.1%€27k▲ 255%
Operating result€-2k-€36k€18k▼ 48.9%€9k▼ 53.2%€26k▲ 208%
Net result€-5k-€32k€15k▼ 52.5%€3k▼ 79.5%€19k▲ 507%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 208% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €144k
Fixed assets
€175=
Current assets
€144k▲ 41.6%
Equity and liabilities €144k
Equity
€27k▲ 255%
Debt
€117k▲ 24.5%
The debt ratio falls from 92.6% to 81.4%. Equity and debt are higher.
Key figures and ratios
Solvency
18.6%▲
2024 · 7.4%
Current ratio
1.23▲
2024 · 1.08
Quick ratio
1.23▲
2024 · 1.08
Debt / equity
4.39▼
2024 · 12.50
ROE
71.8%▲
2024 · 41.9%
ROA
13.3%▲
2024 · 3.1%
Debt
€117k▲
2024 · €94k
Debt ≤ 1 year
€117k▲
2024 · €94k
Income taxes
€7k▲
2024 · €3k
Staff costs
€95k▼
2024 · €95k
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€102k€144k▲
Fixed assets21/28€175€175=
Financial fixed assets28€175€175=
Current assets29/58€102k€144k▲
Amounts receivable within one year40/41€91k€115k▲
Other amounts receivable41€91k€115k▲
Cash at bank and in hand54/58€10k€27k▲
Deferred charges and accrued income490/1€393€2k▲
Equity and liabilities
Total equity and liabilities10/49€102k€144k▲
Equity10/15€8k€27k▲
Contributions10/11€12k€12k=
Reserves13€8k€14k▲
Distributable reserves133€8k€14k▲
Profit (loss) carried forward14€-12k-
Amounts payable17/49€94k€117k▲
Amounts payable within one year42/48€94k€117k▲
Current portion of amounts payable after more than one year42€7k-
Trade debts44€26k€49k▲
Suppliers440/4€26k€49k▲
Taxes, remuneration and social security45€40k€48k▲
Taxes450/3€18k€15k▼
Remuneration and social security454/9€21k€33k▲
Other amounts payable47/48€21k€20k▼
Income statement
Code20242025
Remuneration, social security and pensions62€95k€95k▼
Other operating charges640/8€921€1k▲
Gross operating margin9900€105k€123k▲
Operating profit (loss)9901€9k€26k▲
Financial charges65/66B€3k€120▼
Recurring financial charges65€3k€120▼
Profit (loss) for the period before taxes9903€6k€26k▲
Income taxes67/77€3k€7k▲
Profit (loss) for the period9904€3k€19k▲
Profit (loss) for the period to be appropriated9905€3k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€7k▲
Profit (loss) brought forward from the previous period14P€-16k€-12k▲
Transfer to equity691/2-€7k
To other reserves6921-€7k
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Charleroi · 1 establishment unit since 2013
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 Jacqmain Léopold 506040 Charleroi1 establishment unit
BSCA Louis Delhaize
since 20132.219.299.325
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,362 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-2013
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filings
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.