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GANES

Active
Limited partnershipfounded 200620 yrs activeMommestraat 89, 3550 Heusden-Zolder, BelgiumKBO/BCE: BE 0879.320.440

For GANES, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €1.27M and a net result of €-29k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 50% of 9352 sector peers (fiscal year 2023). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability27▼-4
Solvency57=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies more bankruptcies →
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 2023
Solvency, return and age of the figures
Solvency
32%
Return on assets
-0.7%
Age of the figures
33 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
elevated failure risk from 2 to 8 years 20 years 0 30 y
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filings
Position against the passed deadline
31-12-2024 close31-07-2025 deadline19-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 27-06-2024, 34 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
not filed
2023
34 d early
2022
12 d early
2021
16 d early
2020
89 d late
2019
42 d late
← before the deadline after the deadline →
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2023, abbreviated schema

Equity
€1.27M▼ 2.2%
2022 · €1.30M
2018: €1.26M 2019: €1.26M 2020: €1.28M 2021: €1.29M 2022: €1.30M
2018 → 2023
Total assets
€3.98M▼ 0.6%
2022 · €4.01M
2018: €3.97M 2019: €3.97M 2020: €3.98M 2021: €3.99M 2022: €4.01M
2018 → 2023
Net result
€-29k
2022 · €10k
2018: €2k 2019: €-1k 2020: €14k 2021: €16k 2022: €10k
2018 → 2023
Working capital
€183k▼ 19.3%
2022 · €227k
2018: €60k 2019: €98k 2020: €136k 2021: €187k 2022: €227k
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20192020202120222023Trend
Equity€1.26M-€1.28M▲ 1.1%€1.29M▲ 1.2%€1.30M▲ 0.8%€1.27M▼ 2.2%
Operating result€150k-€121k▼ 19.5%€124k▲ 2.8%€115k▼ 7.6%€72k▼ 37.7%
Net result€-1k-€14k€16k▲ 14.4%€10k▼ 34.6%€-29k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
€-50k€0€50k€100k€150kOperating result 2019: €150k€150kNet result 2019: €-1k€-1kOperating result 2020: €121k€121kNet result 2020: €14k€14kOperating result 2021: €124k€124kNet result 2021: €16k€16kOperating result 2022: €115k€115kNet result 2022: €10k€10kOperating result 2023: €72k€72kNet result 2023: €-29k€-29k20192020202120222023
The operating result has fallen two years in a row; 2023 is 38% below 2022 and is the lowest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €3.98M
Fixed assets €3.78M▲ 0.5%
Current assets €200k▼ 17.1%
Equity and liabilities €3.98M
Equity €1.27M▼ 2.2%
Debt €2.71M▲ 0.2%
The debt ratio rises from 67.5% to 68.0%. Equity is lower and debt is higher.
Key figures and ratios
2023 value · change against 2022
EBITDA
€113k
2022 · €147k
Cash flow
€12k
2022 · €43k
Solvency
32.0%
2022 · 32.5%
Current ratio
11.51
2022 · 16.21
Quick ratio
11.51
2022 · 16.21
Debt / equity
2.13
2022 · 2.08
ROE
-2.3%
2022 · 0.8%
ROA
-0.7%
2022 · 0.3%
Interest coverage
1.12
2022 · 1.47
Debt
€2.71M
2022 · €2.70M
Debt ≤ 1 year
€17k
2022 · €15k
Debt > 1 year
€2.67M
2022 · €2.67M
Income taxes
€410
2022 · €5k
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 · 2023 against 2022
Balance sheet Code20222023
Assets
Total assets20/58€4.01M€3.98M
Fixed assets21/28€3.76M€3.78M
Tangible fixed assets22/27€365k€383k
Land and buildings22€333k€316k
Plant, machinery and equipment23€33k€23k
Furniture and vehicles24-€44k
Financial fixed assets28€3.40M€3.40M=
Current assets29/58€242k€200k
Amounts receivable within one year40/41€19k€9k
Other amounts receivable41€19k€9k
Current investments50/53€435€435=
Cash at bank and in hand54/58€221k€187k
Deferred charges and accrued income490/1€2k€3k
Equity and liabilities
Total equity and liabilities10/49€4.01M€3.98M
Equity10/15€1.30M€1.27M
Contributions10/11€1.20M€1.20M=
Capital10€1.20M€1.20M=
Issued capital100€1.20M€1.20M=
Reserves13€105k€76k
Non-distributable reserves130/1€9k€9k=
Legal reserve130€9k€9k=
Distributable reserves133€96k€67k
Amounts payable17/49€2.70M€2.71M
Amounts payable after more than one year17€2.67M€2.67M
Financial debts170/4€281k€284k
Other amounts payable178/9€2.39M€2.39M=
Amounts payable within one year42/48€15k€17k
Trade debts44€4k€7k
Suppliers440/4€4k€7k
Taxes, remuneration and social security45€11k€11k
Taxes450/3€11k€11k
Accrued charges and deferred income492/3€20k€20k
Income statement Code20222023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€41k
Other operating charges640/8€1k€2k
Gross operating margin9900€149k€115k
Operating profit (loss)9901€115k€72k
Financial income75/76B€259€163
Recurring financial income75€259€163
Financial charges65/66B€100k€101k
Recurring financial charges65€100k€101k
Profit (loss) for the period before taxes9903€15k€-29k
Income taxes67/77€5k€410
Profit (loss) for the period9904€10k€-29k
Profit (loss) for the period to be appropriated9905€10k€-29k
Appropriation of the result
Profit (loss) to be appropriated9906€10k€-29k
Transfer from equity791/2-€29k
Transfer to equity691/2€10k-
To the legal reserve6920€520-
To other reserves6921€10k-

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

2024
27-06
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial Weakest financial yearnet €-29k ▼380%
Net result drops to €-29k, the lowest in the series.
19-07
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
15-07
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial Highest result since 2018net €16k ▲14.4%
Net result €16k, the highest in the series.
31-12
Financial Liquidity doublescurrent ratio 18.44
Current ratio from 8.31 to 18.44; short-term debt falls from €19k to €11k.
28-10
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema · 89 days late
2020
31-12
Financial Back to profitnet €14k
Net result €14k after one loss-making year.
11-09
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema · 42 days late
2019
01-07
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-06
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-06
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
22-07
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema
2015
29-06
NBB filing Annual accounts filed
fiscal year 2014 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
11 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, Heusden-Zolder · 1 establishment unit since 2006
establishment The establishment unit on the map
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.

Mommestraat 893550 Heusden-Zolder
Ground area
730 m²
Building footprint
143 m²
Volume, LiDAR
744 m³
Parcel 71065A1751/00F000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ganes
Mommestraat 89, 3550 Heusden-ZolderInsurance agents and brokers
since 20062.153.375.353
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71065A1751/00F000 Flanders 730 m² 1 · 143 m² 7.8 m · 2 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.

Recognitions · licences · registrations

Legal Entity Identifier

894500V1ONER2Z8LMZ27
live in the LEI register

Similar companies · same sector, comparable size

Of 9,139 companies in sector 68201 we hold annual accounts for 6,767. 4,677 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formLimited partnership
Founded13-02-2006
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70201
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.