GAJO
ActiveSummary
GAJO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 59% of 4621 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
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
Profitability85▲+33
Solvency63▲+3
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.62 against 1.54 in 2024; short-term debt: 61.8% and cash: 45.8% of total assets), but 61.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
38.2%
Return on assets
17.9%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €20k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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
24 d late
2024
131 d late
2023
5 d late
2022
17 d early
2021
34 d early
2020
1 d early
2019
23 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€152k
EBIT margin
-0.3%
Net result
€9k▲ 306%
2024 · €2k
2018: €-1k
2019: €-2k
2020: €-800
2021: €-24k
2022: €6k
2023: €-2k
2024: €2k
2018 → 2025
Working capital
€20k▲ 88.1%
2024 · €11k
2018: €20k
2019: €17k
2020: €21k
2021: €3k
2022: €9k
2023: €8k
2024: €11k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€11k▲ 134%€8k▼ 22.1%€11k▲ 27.7%€20k▲ 88.1%
Operating result€-23k-€7k€1k▼ 82.4%€4k▲ 213%€10k▲ 135%
Net result€-24k-€6k€-2k€2k€9k▲ 306%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 135% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €53k
Equity
€20k ▲ 88.1%
Debt
€33k ▲ 63.0%
The debt ratio falls from 65.1% to 61.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€10k▲
2024 · €5k
Cash flow
€9k▲
2024 · €3k
Current ratio
1.62▲
2024 · 1.54
Debt / equity
1.62▼
2024 · 1.87
ROE
46.8%▲
2024 · 21.7%
ROA
17.9%▲
2024 · 7.6%
Interest coverage
5.26▲
2024 · 2.86
Debt ≤ 1 year
€33k▲
2024 · €20k
Income taxes
€93▲
2024 · €93
Staff costs
€36k▼
2024 · €48k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€31k€53k▲
Current assets29/58€31k€53k▲
Amounts receivable within one year40/41€16k€28k▲
Trade receivables40-€16k
Other amounts receivable41€16k€11k▼
Cash at bank and in hand54/58€13k€24k▲
Deferred charges and accrued income490/1€2k€981▼
Equity and liabilities
Total equity and liabilities10/49€31k€53k▲
Equity10/15€11k€20k▲
Contributions10/11€19k€19k=
Reserves13€15k€15k=
Distributable reserves133€15k€15k=
Profit (loss) carried forward14€-23k€-14k▲
Amounts payable17/49€20k€33k▲
Amounts payable within one year42/48€20k€33k▲
Trade debts44€5k€10k▲
Suppliers440/4€5k€10k▲
Advances received on contracts in progress46-€9k
Taxes, remuneration and social security45€7k€9k▲
Taxes450/3€4k€3k▼
Remuneration and social security454/9€3k€7k▲
Other amounts payable47/48€8k€4k▼
Income statement
Code20242025
Non-recurring operating income76A-€28
Remuneration, social security and pensions62€48k€36k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€650€0▼
Other operating charges640/8€1k€162▼
Non-recurring operating charges66A€0€4k▲
Gross operating margin9900€54k€50k▼
Operating profit (loss)9901€4k€10k▲
Financial income75/76B€1€2k▲
Recurring financial income75€1€2k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€2k€10k▲
Income taxes67/77€93€93▲
Profit (loss) for the period9904€2k€9k▲
Profit (loss) for the period to be appropriated9905€2k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-23k€-14k▲
Profit (loss) brought forward from the previous period14P€-25k€-23k▲
The notes to these accounts (3 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Highest result since 2018net €9k ▲306%
Operating result €10k, net result €9k, both a record.
09-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 131 days late
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after 4 loss-making years.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 50 days late
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Houthalen-Helchteren · 1 establishment unit since 2007
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.
Dorpsstraat 173530 Houthalen-HelchterenGround area
354 m²
Building footprint
54 m²
Volume, LiDAR
142 m³
Parcel 72015C0003/00P000, Flanders · tallest building 3.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
GAJO
since 20072.163.322.308
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72015C0003/00P000 | Flanders | 354 m² | 1 · 54 m² | 3.5 m · 1 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
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 21,748 companies in sector 96210 we hold annual accounts for 2,833. 2,363 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-06-2007
Fiscal year end31-12
Activities, NACEBEL
93021
96021Hairdressing
96210Hairdressing and barber services
47750Retail sale of cosmetics and toilet articles
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.