GALLBY
ActiveGALLBY has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €492k and a net result of €123k. Equity is growing by ~20.3% per year across the filed fiscal years. Its solvency ranks better than 58% of 1525 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+45
Solvency84▲+18
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 2.84 against 1.58 in 2024), but 59.7% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
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
40.3%
Return on assets
10.1%
Age of the figures
10 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-11-2025 was due by 30-06-2026 and was filed on 21-05-2026, 40 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
40 d early
2024
33 d early
2023
2 d late
2022
3 d early
2021
6 d early
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-11-2026 and is due by 30-06-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-11-2026 close30-06-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€492k▲ 33.4%
2024 · €369k
2018: €103k
2019: €125k
2020: €84k
2021: €233k
2022: €268k
2023: €328k
2024: €369k
2018 → 2025
Total assets
€1.22M▲ 11.0%
2024 · €1.10M
2018: €843k
2019: €814k
2020: €1.15M
2021: €1.27M
2022: €1.17M
2023: €1.12M
2024: €1.10M
2018 → 2025
Net result
€123k▲ 203%
2024 · €41k
2018: €2k
2019: €22k
2020: €-42k
2021: €149k
2022: €37k
2023: €61k
2024: €41k
2018 → 2025
Working capital
€218k▲ 226%
2024 · €67k
2018: €-192k
2019: €-207k
2020: €-50k
2021: €2k
2022: €-26k
2023: €67k
2024: €67k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€233k-€268k▲ 15.1%€328k▲ 22.6%€369k▲ 12.4%€492k▲ 33.4%
Operating result€210k-€67k▼ 67.9%€106k▲ 56.6%€75k▼ 28.7%€195k▲ 159%
Net result€149k-€37k▼ 75.4%€61k▲ 65.5%€41k▼ 32.8%€123k▲ 203%
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 159% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.22M
Fixed assets
€886k▼ 3.5%
Current assets
€336k▲ 84.2%
Equity and liabilities €1.22M
Equity
€492k▲ 33.4%
Debt
€730k▼ 0.3%
The debt ratio falls from 66.5% to 59.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€338k▲
2024 · €199k
Cash flow
€267k▲
2024 · €164k
Solvency
40.3%▲
2024 · 33.5%
Current ratio
2.84▲
2024 · 1.58
Quick ratio
2.34▲
2024 · 1.21
Debt / equity
1.48▼
2024 · 1.98
ROE
25.0%▲
2024 · 11.0%
ROA
10.1%▲
2024 · 3.7%
Interest coverage
27.70▲
2024 · 13.91
Debt
€730k▼
2024 · €732k
Debt ≤ 1 year
€118k▲
2024 · €116k
Debt > 1 year
€612k▼
2024 · €617k
Income taxes
€59k▲
2024 · €21k
Staff costs
€101k=
2024 · €101k
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€1.10M€1.22M▲
Fixed assets21/28€919k€886k▼
Tangible fixed assets22/27€916k€884k▼
Land and buildings22€703k€659k▼
Plant, machinery and equipment23€200k€215k▲
Furniture and vehicles24€13k€10k▼
Financial fixed assets28€3k€3k=
Current assets29/58€182k€336k▲
Stocks and contracts in progress3€43k€60k▲
Stocks30/36€43k€60k▲
Amounts receivable within one year40/41€57k€59k▲
Trade receivables40€49k€57k▲
Other amounts receivable41€7k€2k▼
Cash at bank and in hand54/58€82k€216k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.10M€1.22M▲
Equity10/15€369k€492k▲
Contributions10/11€19k€19k=
Reserves13€350k€473k▲
Tax-exempt reserves132€19k€19k=
Distributable reserves133€332k€455k▲
Amounts payable17/49€732k€730k▼
Amounts payable after more than one year17€617k€612k▼
Financial debts170/4€617k€612k▼
Amounts payable within one year42/48€116k€118k▲
Current portion of amounts payable after more than one year42€51k€51k▼
Trade debts44€44k€25k▼
Suppliers440/4€44k€25k▼
Taxes, remuneration and social security45€16k€40k▲
Taxes450/3€5k€31k▲
Remuneration and social security454/9€11k€10k▼
Other amounts payable47/48€4k€2k▼
Income statement
Code20242025
Non-recurring operating income76A-€800
Remuneration, social security and pensions62€101k€101k=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€124k€144k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€925-
Other operating charges640/8€10k€10k▲
Gross operating margin9900€311k€449k▲
Operating profit (loss)9901€75k€195k▲
Financial income75/76B€286€100▼
Recurring financial income75€286€100▼
Financial charges65/66B€14k€12k▼
Recurring financial charges65€14k€12k▼
Profit (loss) for the period before taxes9903€61k€183k▲
Income taxes67/77€21k€59k▲
Profit (loss) for the period9904€41k€123k▲
Profit (loss) for the period to be appropriated9905€41k€123k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€123k▲
Transfer to equity691/2€41k€123k▲
To other reserves6921€41k€123k▲
The notes to these accounts (13 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-11
Financial
Back to profitnet €149k
Net result €149k after one loss-making year.
30-11
Financial
Equity above €200kEq €233k ▲178%
Equity rises from €84k to €233k.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-11
Financial
Weakest financial yearnet €-42k ▼285%
Net result drops to €-42k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2017
29-06
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
4 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, Beernem · 1 establishment unit since 2018
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.
Sint-Jorisstraat 83 B8730 BeernemGround area
412 m²
Parcel 31003D0057/00K002, Flanders. Linked by address, not a title deed.
1 establishment unit
Pralifino
since 20182.279.164.458
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31003D0057/00K002 | Flanders | 412 m² | - | - |
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
2025 · 1 entry · 2,670 EUR awarded · 2,670 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,670 EUR | 2,670 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Recognitions · licences · registrations
Food safety, FASFC
1 siteBeernem2.279.164.458
Similar companies · same sector, comparable size
Desart
BE 0877.277.601
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GOURMAND'ICE
BE 0808.720.672
Verviers · Eq €490k
HARO
BE 0420.524.692
Ranst · Eq €489k
GILFI
BE 0427.120.890
Stavelot · Eq €534k
Bonvanill
BE 0758.547.819
Waregem · Eq €540k
Of 611 companies in sector 10520 we hold annual accounts for 236. 135 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2007
Fiscal year end30-11
Activities, NACEBEL
10520Manufacture of food products
10820Manufacture of cocoa, chocolate and sugar confectionery
52240
46170Agents in the wholesale of food, beverages and tobacco
46360Wholesale trade
47210Retail sale of fruit and vegetables
47241Retail sale of bread and pastry (bakery outlets)
47810Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.