GABY - CONSULTING
ActiveGABY - CONSULTING has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97.55M and a net result of €32.18M. Equity is growing by ~22.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 1004 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+3
Growth71▼-7
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €750k at 30 days acceptable
Liquidity ample (current ratio 34.07 against 1.05 in 2024; short-term debt: 1% and cash: 33.8% of total assets), and 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
99%
Return on assets
32.7%
Age of the figures
9 mo
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
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
24 d early
2023
20 d early
2022
31 d early
2021
31 d early
2020
11 d late
2019
38 d early
← 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, full schema
Turnover
€7.92M▲ 7.4%
2024 · €7.37M
2024: €7.37M
2024 → 2025
EBIT margin
32.4%▼ 0.4pp
2024 · 32.8%
2024: 32.8%
2024 → 2025
Net result
€32.18M▲ 13.1%
2024 · €28.44M
2018: €853k
2019: €2.97M
2020: €1.69M
2021: €1.55M
2022: €1.13M
2023: €61.63M
2024: €28.44M
2018 → 2025
Working capital
€33.24M▲ 2,542%
2024 · €1.26M
2018: €-288k
2019: €-17.28M
2020: €-31.03M
2021: €-32.62M
2022: €-40.54M
2023: €17.12M
2024: €1.26M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€7.37M€7.92M▲ 7.4%
Equity€27.84M-€23.29M▼ 16.4%€84.92M▲ 265%€65.37M▼ 23.0%€97.55M▲ 49.2%
Operating result€2.48M-€1.96M▼ 20.8%€2.88M▲ 47.0%€2.42M▼ 16.2%€2.57M▲ 6.2%
Net result€1.55M-€1.13M▼ 27.2%€61.63M▲ 5,345%€28.44M▼ 53.9%€32.18M▲ 13.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98.55M
Fixed assets
€64.31M▲ 0.3%
Current assets
€34.25M▲ 26.6%
Equity and liabilities €98.55M
Equity
€97.55M▲ 49.2%
Debt
€1.01M▼ 96.1%
The debt ratio falls from 28.3% to 1.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€2.85M▲
2024 · €2.63M
Cash flow
€32.47M▲
2024 · €28.66M
Solvency
99.0%▲
2024 · 71.7%
Current ratio
34.07▲
2024 · 1.05
Quick ratio
34.07▲
2024 · 1.05
Debt / equity
0.01▼
2024 · 0.39
ROE
33.0%▼
2024 · 43.5%
ROA
32.7%▲
2024 · 31.2%
Interest coverage
360.89▲
2024 · 19.07
Debt
€1.01M▼
2024 · €25.80M
Debt ≤ 1 year
€1.01M▼
2024 · €25.80M
Income taxes
€761k▲
2024 · €696k
Staff costs
€2.74M▲
2024 · €2.54M
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€91.16M€98.55M▲
Fixed assets21/28€64.11M€64.31M▲
Tangible fixed assets22/27€651k€847k▲
Plant, machinery and equipment23€11k€6k▼
Furniture and vehicles24€611k€828k▲
Other tangible fixed assets26€15k€13k▼
Assets under construction and advance payments27€14k-
Financial fixed assets28€63.46M€63.46M=
Affiliated companies280/1€63.45M€63.45M=
Participating interests280€63.45M€63.45M=
Other financial fixed assets284/8€5k€5k▲
Amounts receivable and cash guarantees285/8€5k€5k▲
Current assets29/58€27.05M€34.25M▲
Amounts receivable within one year40/41€885k€939k▲
Trade receivables40€728k€796k▲
Other amounts receivable41€157k€143k▼
Cash at bank and in hand54/58€26.12M€33.30M▲
Deferred charges and accrued income490/1€53k€12k▼
Equity and liabilities
Total equity and liabilities10/49€91.16M€98.55M▲
Equity10/15€65.37M€97.55M▲
Contributions10/11€980k€980k=
Capital10€980k€980k=
Issued capital100€980k€980k=
Reserves13€22.30M€22.30M=
Non-distributable reserves130/1€667k€667k=
Legal reserve130€667k€667k=
Distributable reserves133€21.64M€21.64M=
Profit (loss) carried forward14€42.08M€74.26M▲
Amounts payable17/49€25.80M€1.01M▼
Amounts payable within one year42/48€25.80M€1.01M▼
Current portion of amounts payable after more than one year42€838k-
Trade debts44€422k€343k▼
Suppliers440/4€422k€343k▼
Taxes, remuneration and social security45€535k€662k▲
Taxes450/3€140k€190k▲
Remuneration and social security454/9€395k€472k▲
Other amounts payable47/48€24.00M-
Accrued charges and deferred income492/3€2k€32▼
Income statement
Code20242025
Operating income70/76A€7.43M€8.03M▲
Turnover70€7.37M€7.92M▲
Other operating income74€47k€67k▲
Non-recurring operating income76A€7k€35k▲
Operating charges60/66A€5.01M€5.46M▲
Goods for resale, raw materials and consumables60€38k€22k▼
Purchases600/8€38k€22k▼
Services and other goods61€2.21M€2.40M▲
Remuneration, social security and pensions62€2.54M€2.74M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€217k€284k▲
Other operating charges640/8€12k€12k▼
Non-recurring operating charges66A€113-
Operating profit (loss)9901€2.42M€2.57M▲
Financial income75/76B€26.86M€30.39M▲
Recurring financial income75€26.86M€30.39M▲
Income from financial fixed assets750€26.43M€29.97M▲
Income from current assets751€434k€419k▼
Other financial income752/9€1€311▲
Financial charges65/66B€139k€14k▼
Recurring financial charges65€139k€9k▼
Debt charges650€138k€8k▼
Other financial charges652/9€887€1k▲
Non-recurring financial charges66B-€5k
Profit (loss) for the period before taxes9903€29.14M€32.94M▲
Income taxes67/77€696k€761k▲
Taxes670/3€696k€761k▲
Tax adjustments and reversals of tax provisions77€757-
Profit (loss) for the period9904€28.44M€32.18M▲
Transfer from tax-exempt reserves789€3k-
Profit (loss) for the period to be appropriated9905€28.45M€32.18M▲
Appropriation of the result
Profit (loss) to be appropriated9906€90.08M€74.26M▼
Profit (loss) brought forward from the previous period14P€61.63M€42.08M▼
Profit to be distributed694/7€48.00M-
Return on contributions (dividend)694€48.00M-
Social balance
Average headcount (FTE)908733.734.8▲
The notes to these accounts (49 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
21-08
State Gazette act
Merger · Accounting effect
Real estate · Net-asset statement
21-08
State Gazette act
Merger · Accounting effect
Real estate · Net-asset statement
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Liquidity times 32current ratio 34.07
Current ratio from 1.05 to 34.07; short-term debt falls from €25.80M to €1.01M.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €61.63M ▲5345%
Net result €61.63M, the highest in the series.
31-12
Financial
Liquidity times 127current ratio 2.49
Current ratio from 0.02 to 2.49; short-term debt falls from €41.36M to €11.47M.
31-12
Financial
Equity above €50MEq €84.92M ▲265%
6 profitable years in a row build equity to €84.92M.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 11 days late
2020
31-12
Financial
Equity above €25MEq €26.29M ▲6.9%
3 profitable years in a row build equity to €26.29M.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 3 days late
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
16 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, Aalst · 1 establishment unit since 1994
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.
Hekkestraat 419308 AalstGround area
1.2 ha
Building footprint
908 m²
Volume, LiDAR
6,333 m³
Parcel 41029B0278/00E000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hekkestraat 41, 9308 Aalst
since 19942.069.230.328
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41029B0278/00E000 | Flanders | 1.2 ha | 1 · 908 m² | 7.9 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 3 entries · 2,744 EUR awarded · 2,743 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,322 EUR | 1,392 EUR |
| 2022 | 2 | 1,422 EUR | 1,351 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
Similar companies · same sector, comparable size
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SOCOFIN
BE 0429.265.580
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ADVIES- EN PROJECTENBUREAU GOVERS
BE 0426.025.285
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IB-ACCOVER
BE 0428.477.011
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Of 2,267 companies in sector 69209 we hold annual accounts for 1,098. 25 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-11-1994
Fiscal year end31-12
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
70200Business and other management consultancy
70220Business consulting
74121
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 31 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.