GALB
ActiveGALB has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €-6k. Equity is growing by ~14.3% per year across the filed fiscal years. Its solvency ranks better than 74% of 6974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▼-34
Solvency100▲+7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.51 against 5.86 in 2024; short-term debt: 13.2% and cash: 19.5% of total assets), and 22.7% 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+raises 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
77.3%
Return on assets
-6.3%
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 15-08-2026, 15 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
15 d late
2024
24 d late
2023
on the day
2022
4 d early
2021
52 d early
2020
54 d early
2019
63 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k▼ 7.6%
2024 · €81k
2018: €38k
2019: €31k
2020: €43k
2021: €45k
2022: €62k
2023: €69k
2024: €81k
2018 → 2025
Total assets
€97k▼ 18.5%
2024 · €119k
2018: €82k
2019: €72k
2020: €54k
2021: €60k
2022: €82k
2023: €98k
2024: €119k
2018 → 2025
Net result
€-6k
2024 · €12k
2018: €9k
2019: €-7k
2020: €12k
2021: €2k
2022: €17k
2023: €7k
2024: €12k
2018 → 2025
Working capital
€45k▼ 46.6%
2024 · €84k
2018: €38k
2019: €26k
2020: €38k
2021: €39k
2022: €51k
2023: €57k
2024: €84k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€62k▲ 36.7%€69k▲ 11.8%€81k▲ 18.0%€75k▼ 7.6%
Operating result€4k-€16k▲ 348%€13k▼ 18.7%€23k▲ 78.1%€-4k
Net result€2k-€17k▲ 832%€7k▼ 55.8%€12k▲ 70.3%€-6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €23k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €97k
Fixed assets
€39k▲ 127%
Current assets
€58k▼ 43.1%
Equity and liabilities €97k
Equity
€75k▼ 7.6%
Debt
€22k▼ 41.8%
The debt ratio falls from 31.8% to 22.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €30k
Cash flow
€5k▼
2024 · €19k
Solvency
77.3%▲
2024 · 68.2%
Current ratio
4.51▼
2024 · 5.86
Quick ratio
4.51▼
2024 · 5.86
Debt / equity
0.29▼
2024 · 0.47
ROE
-8.2%▼
2024 · 15.3%
ROA
-6.3%▼
2024 · 10.4%
Interest coverage
4.43▼
2024 · 17.06
Debt
€22k▼
2024 · €38k
Debt ≤ 1 year
€13k▼
2024 · €17k
Debt > 1 year
€9k▼
2024 · €20k
Income taxes
€212▼
2024 · €9k
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€119k€97k▼
Fixed assets21/28€17k€39k▲
Tangible fixed assets22/27€17k€39k▲
Furniture and vehicles24€15k€37k▲
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€25€25=
Current assets29/58€102k€58k▼
Amounts receivable within one year40/41€74k€38k▼
Trade receivables40€37k€3k▼
Other amounts receivable41€37k€35k▼
Cash at bank and in hand54/58€27k€19k▼
Deferred charges and accrued income490/1€912€1k▲
Equity and liabilities
Total equity and liabilities10/49€119k€97k▼
Equity10/15€81k€75k▼
Contributions10/11€19k€19k=
Reserves13€22k€22k=
Distributable reserves133€22k€22k=
Profit (loss) carried forward14€40k€34k▼
Amounts payable17/49€38k€22k▼
Amounts payable after more than one year17€20k€9k▼
Financial debts170/4€20k€9k▼
Amounts payable within one year42/48€17k€13k▼
Current portion of amounts payable after more than one year42€11k€12k▲
Trade debts44€5k€1k▼
Suppliers440/4€5k€1k▼
Taxes, remuneration and social security45€2k€212▼
Taxes450/3€2k€212▼
Accrued charges and deferred income492/3-€208
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€11k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€31k€8k▼
Operating profit (loss)9901€23k€-4k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€21k€-6k▼
Income taxes67/77€9k€212▼
Profit (loss) for the period9904€12k€-6k▼
Profit (loss) for the period to be appropriated9905€12k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€34k▼
Profit (loss) brought forward from the previous period14P€40k€40k=
Transfer to equity691/2€12k-
To other reserves6921€12k-
The notes to these accounts (10 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
02-09
State Gazette act
Registered office · Resignations & appointmentsGeneral meeting · Director resignation · Board meeting4 facts ▸
State Gazette act
Registered office · Resignations & appointments
General meeting · Director resignation · Board meeting4 facts ▸
- General meeting, 2026-08-27
- Director resignation, Marie-France Neuville (administrateur)
- Board meeting, 2026-08-28
- Registered-office move, Longueville 2, 6941 Durbuy
15-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 15 days late
2025
24-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €17k ▲832%
Net result €17k, the highest in the series.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 4.58
Current ratio from 1.64 to 4.58; short-term debt falls from €41k to €11k.
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-7k ▼178%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-08-2026
Resigned as Director
Location & real-estate footprint
Registered office, Awans · 1 establishment unit since 2009
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 des Combattants 84340 AwansGround area
612 m²
Building footprint
84 m²
Volume, LiDAR
842 m³
Parcel 62039A0232/00K000, Wallonia · tallest building 11.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
GALB
since 20092.178.633.955
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62039A0232/00K000 | Wallonia | 612 m² | 1 · 83 m² | 11.6 m · 4 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.
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Of 9,858 companies in sector 73110 we hold annual accounts for 3,754. 3,044 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-06-2009
Fiscal year end31-12
Activities, NACEBEL
73110Advertising agencies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0475645730