Gardelex
ActiveSummary
Gardelex has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47,728 and a net result of €36,171. Its solvency ranks better than 54% of 12819 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency86▲+25
Growth78
Track record82
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 2.52 against 1.45 in 2024; short-term debt: 37.7% and cash: 92.8% of total assets), and 39.3% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
60.7%
Return on assets
46%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 12-11-2025, 80 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
80 d early
2024
66 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 73 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
Go further with this company
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€47,728▲ 284%
2024 · €12,415
Total assets
€78,575▲ 125%
2024 · €34,866
Net result
€36,171▲ 173%
2024 · €13,247
Working capital
€45,053▲ 371%
2024 · €9,559
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result€17,743-€48,237▲ 172%
Net result€13,247within the sector's middle half-€36,171within the sector's middle half▲ 173%
Equity€12,415below the sector's middle half-€47,728within the sector's middle half▲ 284%
Total assets€34,866below the sector's middle half-€78,575below the sector's middle half▲ 125%
Debt€22,450-€30,847▲ 37.4%
Working capital€9,559below the sector's middle half-€45,053within the sector's middle half▲ 371%
Solvency35.6%within the sector's middle half-60.7%within the sector's middle half▲ 25.1pp
Current ratio1.45within the sector's middle half-2.52within the sector's middle half▲ 1.07
Return on assets (ROA)38.0%above the sector's middle half-46.0%above the sector's middle half▲ 8.0pp
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 172% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78,575
Fixed assets
€3,874 ▼ 4.5%
Current assets
€74,701 ▲ 142%
Equity and liabilities €78,575
Equity
€47,728 ▲ 284%
Debt
€30,847 ▲ 37.4%
Debt's share of the balance-sheet total falls from 64.4% to 39.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€48,419▲
2024 · €17,814
Cash flow
€36,353▲
2024 · €13,319
Debt to equity
0.65▼
2024 · 1.81
ROE
75.8%▼
2024 · 106.7%
Interest coverage
39.06▲
2024 · 27.16
Debt ≤ 1 year
€29,647▲
2024 · €21,250
Income taxes
€10,849▲
2024 · €3,839
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,276 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €71 | €182 | ▲ 155% |
| Other operating charges640/8 | €239 | €1,142 | ▲ 377% |
| Gross operating margin9900 | €18,053 | €49,561 | ▲ 175% |
| Operating profit (loss)9901 | €17,743 | €48,237 | ▲ 172% |
| Financial income75/76B | €0 | €23 | ▲ 232,300% |
| Recurring financial income75 | €0 | €23 | ▲ 232,300% |
| Financial charges65/66B | €656 | €1,240 | ▲ 89.0% |
| Recurring financial charges65 | €656 | €1,240 | ▲ 89.0% |
| Profit (loss) for the period before taxes9903 | €17,087 | €47,021 | ▲ 175% |
| Income taxes67/77 | €3,839 | €10,849 | ▲ 183% |
| Profit (loss) for the period9904 | €13,247 | €36,171 | ▲ 173% |
| Profit (loss) for the period to be appropriated9905 | €13,247 | €36,171 | ▲ 173% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €34,866 | €78,575 | ▲ 125% |
| Fixed assets21/28 | €4,056 | €3,874 | ▼ 4.5% |
| Tangible fixed assets22/27 | €1,746 | €1,564 | ▼ 10.4% |
| Plant, machinery and equipment23 | €1,746 | €1,564 | ▼ 10.4% |
| Financial fixed assets28 | €2,310 | €2,310 | = |
| Current assets29/58 | €30,810 | €74,701 | ▲ 142% |
| Amounts receivable within one year40/41 | €87 | €148 | ▲ 70.2% |
| Trade receivables40 | €87 | €148 | ▲ 70.2% |
| Cash at bank and in hand54/58 | €29,344 | €72,925 | ▲ 149% |
| Deferred charges and accrued income490/1 | €1,379 | €1,627 | ▲ 18.0% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €34,866 | €78,575 | ▲ 125% |
| Equity10/15 | €12,415 | €47,728 | ▲ 284% |
| Contributions10/11 | €1 | €1 | = |
| Reserves13 | €12,414 | €47,727 | ▲ 284% |
| Distributable reserves133 | €12,414 | €47,727 | ▲ 284% |
| Profit (loss) carried forward14 | €0 | €0 | - |
| Amounts payable17/49 | €22,450 | €30,847 | ▲ 37.4% |
| Amounts payable within one year42/48 | €21,250 | €29,647 | ▲ 39.5% |
| Trade debts44 | - | €2,757 | - |
| Suppliers440/4 | - | €2,757 | - |
| Taxes, remuneration and social security45 | €16,430 | €18,384 | ▲ 11.9% |
| Taxes450/3 | €11,168 | €18,384 | ▲ 64.6% |
| Remuneration and social security454/9 | €5,261 | €0 | ▼ 100% |
| Other amounts payable47/48 | €4,821 | €8,506 | ▲ 76.4% |
| Accrued charges and deferred income492/3 | €1,200 | €1,200 | = |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €13,247 | €36,171 | ▲ 173% |
| + Depreciation and write-downs630 | €71 | €182 | ▲ 155% |
| Operating cash flow (approximation) | €13,319 | €36,353 | ▲ 173% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | €43,581 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-06
State Gazette act
Appointment: Gardin Wannes (statutory director)Purpose change · Statutes amendment3 facts ▸
State Gazette act
Appointment: Gardin Wannes (statutory director)
Purpose change · Statutes amendment3 facts ▸
- Purpose change
- Statutes amendment
- Director appointment, Gardin Wannes (statutory director)
2025
12-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
26-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
State Gazette actNBB filing
1 of 1 act read
Directors · office · real estate
Directors
1 director, no change since 2026
Gardin Wannes
CurrentStatutory director · since 30-06-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Location & real-estate footprint
Registered office, Brugge · 1 establishment unit since 2023
Ground area
1,103 m²
Building footprint
178 m²
Volume, LiDAR
1,275 m³
Parcel 31002A0108/00L000, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Gardelex
since 20232.354.283.436
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31002A0108/00L000 | Flanders | 1,103 m² | 1 · 178 m² | 12.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 1 in office
- Board
| Name | Functions and periods |
|---|---|
| Gardin Wannes |
|
Articles of association
Who signs
The sole director
Annual meeting
Second Saturday of December at 18:00
Duration
Unlimited
Name clause
Legal form clause
Besloten vennootschap
Registered office clause
Vlaamse Gewest, enige bestuurder kan waar dan ook bijkantoren en andere centra van werkzaamheden oprichten in België en buitenland
Dissolution rule
Slechts ontbonden bij besluit algemene vergadering volgens regels statutenwijziging
Vormen vereist voor statutenwijziging, Behoudens hetgeen bepaald is in artikel 8
Besluiten over ontbinding of in agenda aangekondigde maatregelen om continuïteit te vrijwaren, binnen twee maanden na datum waarop toestand werd vastgesteld of…
Share class
1000, gelijk stemrecht
Transfer restriction
Overlijden van de aandeelhouder, één maand
Board rule
Enige bestuurder bevoegd alle handelingen nodig of dienstig tot verwezenlijking voorwerp,tenzij wet of statuten algemene vergadering bevoegd, bijzondere en in t…
Other statement
Oproeping algemene vergadering, vermelden agenda met te behandelen onderwerpen
Winst van het lopende boekjaar of winst van het voorgaande boekjaar zolang jaarrekening nog niet is goedgekeurd, instandhouding van het vermogen-uitkeringen aan…
1 more provision on this in the deed
Liquidation rule
Voor zover verrichtingen niet eigen aan beroep advocaat, noodzakelijkerwijze advocaat
Liquidation distribution
Overschot na vereffening
Structure & network
Connections & network
1 current directorThe group is listed under Ownership & control below; here you explore it as a network.
This company
Company
Director
Shareholding
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 65 EUR awarded · 65 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 65 EUR | 65 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
875500KO8WR7P6P0LN84
Similar companies · same sector, comparable size
DIWIS
BE 0459.380.914
Berlare · Eq €47,607
NA.GESTION
BE 1018.795.156
Namur · Eq €48,039
RESIDENTIE AMARYLLIS
BE 0434.001.160
Sint-Truiden · Eq €48,131
CONSULTIP
BE 0878.719.634
Ukkel · Eq €48,232
Emilie Ickroth
BE 1012.231.127
Ranst · Eq €47,220
Of 2,772 companies in sector 69109 we hold annual accounts for 1,209. 915 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-12-2023
Fiscal year end30-06
Activities, NACEBEL 2025
69109Other legal services
63920Other information service activities
70200Business and other management consultancy
82100Office administrative and support services
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:1003954948
Also
9925:BE1003954948
Registered
24-11-2023
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.