GAM SERVICES
ActiveGAM SERVICES has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €12k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 47% of 17046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-15
Solvency82▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 2.21 in 2024; short-term debt: 43.1% and cash: 82% of total assets), and 43.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
56.9%
Return on assets
12.7%
Age of the figures
12 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
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 €56k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-04-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
21 d early
2023
4 d early
2022
12 d late
2021
20 d late
2020
31 d late
2019
30 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€12k▼ 58.2%
2024 · €30k
2018: €-7k
2019: €-1k
2020: €11k
2021: €-17k
2022: €-7k
2023: €14k
2024: €30k
2018 → 2025
Working capital
€48k▲ 26.0%
2024 · €38k
2018: €13k
2019: €10k
2020: €24k
2021: €6k
2022: €-589
2023: €11k
2024: €38k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€-273€14k€43k▲ 221%€56k▲ 28.8%
Operating result€-17k-€-7k▲ 60.6%€15k€39k▲ 156%€17k▼ 55.7%
Net result€-17k-€-7k▲ 60.7%€14k€30k▲ 117%€12k▼ 58.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 56% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98k
Fixed assets
€8k▲ 48.8%
Current assets
€90k▲ 29.9%
Equity and liabilities €98k
Equity
€56k▲ 28.8%
Debt
€42k▲ 34.7%
The debt ratio rises from 42.0% to 43.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€21k▼
2024 · €40k
Cash flow
€16k▼
2024 · €31k
Solvency
56.9%▼
2024 · 58.0%
Current ratio
2.13▼
2024 · 2.21
Quick ratio
2.13▼
2024 · 2.21
Debt / equity
0.76▲
2024 · 0.72
ROE
22.4%▼
2024 · 68.9%
ROA
12.7%▼
2024 · 39.9%
Interest coverage
21.81▼
2024 · 50.93
Debt
€42k▲
2024 · €31k
Debt ≤ 1 year
€42k▲
2024 · €31k
Income taxes
€4k▼
2024 · €8k
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€75k€98k▲
Fixed assets21/28€5k€8k▲
Tangible fixed assets22/27€5k€8k▲
Furniture and vehicles24€5k€8k▲
Current assets29/58€69k€90k▲
Amounts receivable within one year40/41€15k€5k▼
Trade receivables40€10k€0▼
Other amounts receivable41€5k€5k▲
Cash at bank and in hand54/58€52k€80k▲
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€75k€98k▲
Equity10/15€43k€56k▲
Contributions10/11€6k€6k=
Reserves13€37k€50k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€35k€48k▲
Amounts payable17/49€31k€42k▲
Amounts payable within one year42/48€31k€42k▲
Trade debts44€3k€494▼
Suppliers440/4€3k€494▼
Taxes, remuneration and social security45€10k€21k▲
Taxes450/3€9k€4k▼
Remuneration and social security454/9€2k€17k▲
Other amounts payable47/48€18k€21k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€4k▲
Other operating charges640/8€384€810▲
Gross operating margin9900€41k€22k▼
Operating profit (loss)9901€39k€17k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€791€954▲
Recurring financial charges65€791€954▲
Profit (loss) for the period before taxes9903€38k€16k▼
Income taxes67/77€8k€4k▼
Profit (loss) for the period9904€30k€12k▼
Profit (loss) for the period to be appropriated9905€30k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€12k▼
Profit (loss) brought forward from the previous period14P€5k-
Transfer to equity691/2€35k€12k▼
To contributions691€35k-
To other reserves6921-€12k
The notes to these accounts (7 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
16-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €30k ▲117%
Operating result €39k, net result €30k, both a record.
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
12-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 12 days late
2022
20-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 20 days late
2021
30-09
Financial
Weakest financial yearnet €-17k ▼250%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-09
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
30-09
Financial
Liquidity quadruplescurrent ratio 9.33
Current ratio from 2.18 to 9.33; short-term debt falls from €8k to €3k.
30-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 30 days late
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 55 days late
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
30-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Jette · 1 establishment unit since 2013
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.
Charles Woestelaan 2701090 JetteGround area
1,535 m²
Building footprint
637 m²
Volume, LiDAR
6,103 m³
2 parcels, Brussels, Flanders · tallest building 25.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
gam services
since 20132.218.727.124
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21464F0014/00Y004 | Brussels | 869 m² | 1 · 476 m² | 25.3 m · 1 fl. |
| 23030A1053/00E000 | Flanders | 666 m² | 1 · 161 m² | 9.4 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.
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,395. 15,376 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded10-01-2013
Fiscal year end30-09
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.