GAFI CONSULT
ActiveGAFI CONSULT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €504k and a net result of €108k. Equity is shrinking by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 7690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+11
Solvency100=
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 19.02 against 20.4 in 2024), and 4.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 82
Relative position
BE, all sectors
reference
Sector 82
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
95.9%
Return on assets
20.6%
Age of the figures
15 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 30-06-2025 was due by 31-01-2026 and was filed on 07-01-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
7 d early
2023
2 d early
2022
1 d early
2021
on the day
2020
20 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€504k▲ 3.1%
2024 · €489k
2019: €728k
2020: €759k
2021: €712k
2022: €477k
2023: €477k
2024: €489k
2019 → 2025
Total assets
€526k▲ 3.6%
2024 · €507k
2019: €761k
2020: €769k
2021: €725k
2022: €489k
2023: €506k
2024: €507k
2019 → 2025
Net result
€108k▲ 24.2%
2024 · €87k
2019: €93k
2020: €30k
2021: €40k
2022: €45k
2023: €83k
2024: €87k
2019 → 2025
Working capital
€392k▲ 10.0%
2024 · €357k
2019: €652k
2020: €671k
2021: €632k
2022: €396k
2023: €394k
2024: €357k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€712k-€477k▼ 33.0%€477k=€489k▲ 2.5%€504k▲ 3.1%
Operating result€30k-€63k▲ 111%€118k▲ 86.1%€88k▼ 25.3%€103k▲ 17.5%
Net result€40k-€45k▲ 11.4%€83k▲ 86.8%€87k▲ 4.5%€108k▲ 24.2%
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 17% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €526k
Fixed assets
€111k▼ 15.7%
Current assets
€414k▲ 10.4%
Equity and liabilities €526k
Equity
€504k▲ 3.1%
Debt
€22k▲ 18.4%
The debt ratio rises from 3.6% to 4.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€126k▲
2024 · €101k
Cash flow
€130k▲
2024 · €101k
Solvency
95.9%▼
2024 · 96.4%
Current ratio
19.02▼
2024 · 20.40
Quick ratio
19.02▼
2024 · 20.40
Debt / equity
0.04▲
2024 · 0.04
ROE
21.4%▲
2024 · 17.8%
ROA
20.6%▲
2024 · 17.1%
Interest coverage
103.53▲
2024 · -28.82
Debt
€22k▲
2024 · €18k
Debt ≤ 1 year
€22k▲
2024 · €18k
Income taxes
€48k▲
2024 · €42k
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€507k€526k▲
Fixed assets21/28€132k€111k▼
Tangible fixed assets22/27€132k€111k▼
Land and buildings22€72k€64k▼
Furniture and vehicles24€60k€47k▼
Current assets29/58€375k€414k▲
Amounts receivable within one year40/41€19k€13k▼
Trade receivables40€19k€13k▼
Current investments50/53€350k€351k▲
Cash at bank and in hand54/58€5k€48k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€507k€526k▲
Equity10/15€489k€504k▲
Contributions10/11€19k€19k=
Reserves13€470k€485k▲
Tax-exempt reserves132€274€274=
Distributable reserves133€470k€485k▲
Amounts payable17/49€18k€22k▲
Amounts payable within one year42/48€18k€22k▲
Financial debts43€205€256▲
Credit institutions430/8€205€256▲
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€12k€17k▲
Taxes450/3€12k€15k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€2k€663▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€22k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€105k€130k▲
Operating profit (loss)9901€88k€103k▲
Financial income75/76B€38k€54k▲
Recurring financial income75€38k€54k▲
Financial charges65/66B€-4k€1k▲
Recurring financial charges65€-4k€1k▲
Profit (loss) for the period before taxes9903€129k€156k▲
Income taxes67/77€42k€48k▲
Profit (loss) for the period9904€87k€108k▲
Profit (loss) for the period to be appropriated9905€87k€108k▲
Appropriation of the result
Profit (loss) to be appropriated9906€87k€108k▲
Transfer from equity791/2€75k€93k▲
Transfer to equity691/2€87k€108k▲
To other reserves6921€87k€108k▲
Profit to be distributed694/7€75k€93k▲
Return on contributions (dividend)694€75k€93k▲
The notes to these accounts (5 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
07-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €108k ▲24.2%
Net result €108k, the highest in the series.
30-06
Financial
Equity above €500kEq €504k ▲3.1%
7 profitable years in a row build equity to €504k.
24-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-02
State Gazette act
Board meeting · Director resignation
Permanent representative · Director appointment
11-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-09
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
30-06
Financial
Weakest financial yearnet €30k ▼67.5%
Net result drops to €30k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity triplescurrent ratio 63.65
Current ratio from 21.70 to 63.65; short-term debt falls from €31k to €11k.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-09
State Gazette act
General meeting · Director reappointment
Permanent representative · Director appointment
31-05
State Gazette act
General meeting · Director appointment
Permanent representative · Mandate compensation
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-11
State Gazette act
General meeting · Director appointment
Board composition · Permanent representative
19-09
State Gazette act
General meeting · Director reappointment
Director appointment · Permanent representative
06-04
State Gazette act
General meeting · Legal-form conversion
Net-asset statement · Capital
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
State Gazette act
General meeting · Director appointment
Auditor appointment · Permanent representative
27-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
26-10
State Gazette act
General meeting · Director reappointment
Director appointment · Permanent representative
13-01
State Gazette act
General meeting · Director resignation
Director reappointment · Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Erpe-Mere · 1 establishment unit since 2010
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.
Kloosterstraat 779420 Erpe-MereGround area
1,666 m²
Building footprint
233 m²
Volume, LiDAR
1,338 m³
Parcel 41016C0904/00L000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kloosterstraat 77, 9420 Erpe-Mere
since 20102.184.002.213
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41016C0904/00L000 | Flanders | 1,666 m² | 1 · 233 m² | 8.9 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.
Structure & network
Ownership & control
2 partiesGAFI CONSULTBE 0821.953.452
controls
Where this company holds controlthis company sits on their board2
1 subsidiary · 2 locations
1 location
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 269 EUR awarded · 269 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 269 EUR | 269 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
LATULE
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A. Depreytere
BE 0417.760.093
Roeselare · Eq €503k
COTHINK
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HLBT
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Of 24,422 companies in sector 82990 we hold annual accounts for 9,361. 5,817 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2010
Fiscal year end30-06
Activities, NACEBEL
82990Other business support services
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.