GALAFOS
ActiveGALAFOS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €699k and a net result of €381k. Equity is growing by ~50.8% per year across the filed fiscal years. Its solvency ranks better than 23% of 5495 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 5495 sector peers (2025).
NBB · sector comparisonPosition among 5495 sector peers
Solvency
better than 23%
← weakest
strongest →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
34 d early
2023
57 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€699k▲ 49.4%
2024 · €468k
2023: €223k
2024: €468k
2023 → 2025
Net result
€381k▲ 55.8%
2024 · €245k
2023: €197k
2024: €245k
2023 → 2025
Total assets
€3.28M▲ 3.8%
2024 · €3.16M
2023: €3.13M
2024: €3.16M
2023 → 2025
Solvency
21.3%▲ 6.5pp
2024 · 14.8%
2023: 7.1%
2024: 14.8%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€223k-€468k▲ 110%€699k▲ 49.4%
Operating result€120k-€75k▼ 37.1%€79k▲ 4.9%
Net result€197k-€245k▲ 24.1%€381k▲ 55.8%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.28M
Fixed assets
€3.01M▲ 0.1%
Current assets
€278k▲ 70.8%
Equity and liabilities €3.28M
Equity
€699k▲ 49.4%
Debt
€2.58M▼ 4.2%
The debt ratio falls from 85.2% to 78.7%: equity grows while debt is paid down.
Key figures and ratios
Solvency
21.3%▲
2024 · 14.8%
ROE
54.5%▲
2024 · 52.3%
ROA
11.6%▲
2024 · 7.7%
Debt
€2.58M▼
2024 · €2.70M
Debt ≤ 1 year
€411k▲
2024 · €265k
Debt > 1 year
€2.13M▼
2024 · €2.39M
Income taxes
€154
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€3.16M€3.28M▲
Fixed assets21/28€3.00M€3.01M▲
Tangible fixed assets22/27€2k€5k▲
Plant, machinery and equipment23-€3k
Furniture and vehicles24€2k€3k▲
Financial fixed assets28€3.00M€3.00M=
Current assets29/58€163k€278k▲
Amounts receivable within one year40/41€6k€6k▲
Trade receivables40-€60
Other amounts receivable41€6k€6k▲
Cash at bank and in hand54/58€156k€270k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€3.16M€3.28M▲
Equity10/15€468k€699k▲
Contributions10/11€26k€26k=
Profit (loss) carried forward14€442k€673k▲
Amounts payable17/49€2.70M€2.58M▼
Amounts payable after more than one year17€2.39M€2.13M▼
Financial debts170/4€1.29M€1.03M▼
Other amounts payable178/9€1.10M€1.10M=
Amounts payable within one year42/48€265k€411k▲
Current portion of amounts payable after more than one year42€250k€257k▲
Trade debts44€2k€53▼
Suppliers440/4€2k€53▼
Taxes, remuneration and social security45€9k€23k▲
Taxes450/3€9k€23k▲
Other amounts payable47/48€5k€131k▲
Accrued charges and deferred income492/3€41k€41k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€570€1k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€77k€82k▲
Operating profit (loss)9901€75k€79k▲
Financial income75/76B€260k€385k▲
Recurring financial income75€260k€385k▲
Financial charges65/66B€90k€83k▼
Recurring financial charges65€90k€83k▼
Profit (loss) for the period before taxes9903€245k€381k▲
Income taxes67/77-€154
Profit (loss) for the period9904€245k€381k▲
Profit (loss) for the period to be appropriated9905€245k€381k▲
Appropriation of the result
Profit (loss) to be appropriated9906€442k€823k▲
Profit (loss) brought forward from the previous period14P€197k€442k▲
Profit to be distributed694/7-€150k
Return on contributions (dividend)694-€150k
The notes to these accounts (20 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2023net €381k ▲55.8%
Net result €381k, the highest in the series.
31-12
Financial
Equity above €500kEq €699k ▲49.4%
3 profitable years in a row build equity to €699k.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
Financial milestoneNBB 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, Namur · 1 establishment unit since 2022
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.
Clos du Buley(WP) 85100 NamurGround area
6.1 ha
Building footprint
3,787 m²
Volume, LiDAR
19,328 m³
2 parcels, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GALAFOS
since 20222.333.176.830
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92048D0274/00P000 | Wallonia | 5.9 ha | 1 · 3,659 m² | 8.6 m · 2 fl. |
| 92135B0220/00E000 | Wallonia | 1,823 m² | 1 · 128 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
Lavolpe
BE 0820.366.612
Tielt-Winge · Eq €699k
SYRA
BE 0844.285.426
Wevelgem · Eq €699k
GLOCOMMO
BE 0648.804.096
Gent · Eq €699k
Verise
BE 0500.998.664
Scherpenheuvel-Zichem · Eq €699k
SLS INVEST
BE 0849.581.131
Kortrijk · Eq €698k
Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,285 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-07-2022
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.