Summary
GARGILI CONSULT has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €208k and a net result of €8k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 82% of 31694 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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 · 9 filingsDeviation from the deadline
2025
5 d late
2024
16 d early
2023
16 d early
2022
31 d late
2021
25 d late
2020
86 d late
2019
24 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€208k▲ 4.1%
2024 · €200k
2018: €66k
2019: €92k
2020: €107k
2021: €129k
2022: €152k
2023: €172k
2024: €200k
2018 → 2025
Total assets
€247k▲ 6.6%
2024 · €232k
2018: €241k
2019: €250k
2020: €262k
2021: €259k
2022: €258k
2023: €235k
2024: €232k
2018 → 2025
Net result
€8k▼ 71.3%
2024 · €28k
2018: €24k
2019: €27k
2020: €15k
2021: €21k
2022: €24k
2023: €20k
2024: €28k
2018 → 2025
Working capital
€-21k▲ 28.1%
2024 · €-29k
2018: €-65k
2019: €-61k
2020: €-52k
2021: €-53k
2022: €-54k
2023: €-57k
2024: €-29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€129k-€152k▲ 18.5%€172k▲ 12.9%€200k▲ 16.5%€208k▲ 4.1%
Operating result€32k-€34k▲ 8.7%€27k▼ 20.1%€37k▲ 34.2%€11k▼ 70.4%
Net result€21k-€24k▲ 11.1%€20k▼ 14.1%€28k▲ 38.5%€8k▼ 71.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 70% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €247k
Fixed assets
€229k =
Current assets
€18k ▲ 613%
Equity and liabilities €247k
Equity
€208k ▲ 4.1%
Debt
€39k ▲ 22.9%
Debt's share of the balance-sheet total rises from 13.6% to 15.6%. Equity and debt are higher.
Key figures and ratios
ROE
3.9%▼
2024 · 14.1%
ROA
3.3%▼
2024 · 12.2%
Debt ≤ 1 year
€39k▲
2024 · €31k
Income taxes
€3k▼
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 33 lines
Balance sheet
Code20242025
Assets
Total assets20/58€232k€247k▲
Formation expenses20€0€0=
Fixed assets21/28€229k€229k=
Financial fixed assets28€229k€229k=
Current assets29/58€2k€18k▲
Cash at bank and in hand54/58€2k€18k▲
Equity and liabilities
Total equity and liabilities10/49€232k€247k▲
Equity10/15€200k€208k▲
Contributions10/11€25k€25k=
Reserves13€175k€183k▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€173k€181k▲
Amounts payable17/49€31k€39k▲
Amounts payable within one year42/48€31k€39k▲
Trade debts44€578€312▼
Suppliers440/4€578€312▼
Taxes, remuneration and social security45€22k€15k▼
Taxes450/3€19k€13k▼
Remuneration and social security454/9€3k€2k▼
Other amounts payable47/48€9k€23k▲
Income statement
Code20242025
Other operating charges640/8€387€430▲
Gross operating margin9900€37k€11k▼
Operating profit (loss)9901€37k€11k▼
Financial charges65/66B€132€40▼
Recurring financial charges65€132€40▼
Profit (loss) for the period before taxes9903€37k€11k▼
Income taxes67/77€8k€3k▼
Profit (loss) for the period9904€28k€8k▼
Profit (loss) for the period to be appropriated9905€28k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€8k▼
Transfer to equity691/2€28k€8k▼
To other reserves6921€28k€8k▼
The notes to these accounts (2 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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
31-12
Financial
Weakest financial yearnet €8k ▼71.3%
Net result drops to €8k, the lowest in the series.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €28k ▲38.5%
Net result €28k, the highest in the series.
31-12
Financial
Equity above €200kEq €200k ▲16.5%
7 profitable years in a row build equity to €200k.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €150kEq €152k ▲18.5%
5 profitable years in a row build equity to €152k.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 25 days late
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 86 days late
2020
31-12
Financial
Equity above €100kEq €107k ▲16.2%
3 profitable years in a row build equity to €107k.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ternat · 1 establishment unit since 2016
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.
Assesteenweg 1101742 TernatGround area
1,745 m²
Building footprint
509 m²
Volume, LiDAR
3,071 m³
Parcel 23071C0328/00M000, Flanders · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GARGILI CONSULT
since 20162.259.705.961
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23071C0328/00M000 | Flanders | 1,745 m² | 1 · 508 m² | 11.7 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.
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Of 5,699 companies in sector 70100 we hold annual accounts for 3,494. 2,356 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded16-12-2016
Fiscal year end31-12
Activities, NACEBEL 2025
70100Activities of head offices
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.