Summary
GASPADELE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €60,408 and a net result of €12,806. Its solvency ranks better than 20% of 8074 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 8074 sector peers (2025).
NBB · sector comparisonPosition among 8074 sector peers
Solvency
better than 20%
← weakest
strongest →
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
8 d early
2024
14 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 11 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€60,408▲ 26.9%
2024 · €47,602
Net result
€12,806▼ 71.6%
2024 · €45,102
Total assets
€410,816▲ 456%
2024 · €73,900
Solvency
14.7%▼ 49.7pp
2024 · 64.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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€61,959-€30,996▼ 50.0%
Net result€45,102within the sector's middle half-€12,806within the sector's middle half▼ 71.6%
Equity€47,602within the sector's middle half-€60,408within the sector's middle half▲ 26.9%
Total assets€73,900below the sector's middle half-€410,816within the sector's middle half▲ 456%
Debt€26,298-€350,409▲ 1,232%
Working capital€29,143-€25,506▼ 12.5%
Solvency64.4%within the sector's middle half-14.7%below the sector's middle half▼ 49.7pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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 falls in 2025; 2025 is 50% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €410,816
Fixed assets
€341,488 ▲ 1,750%
Current assets
€69,328 ▲ 25.0%
Equity and liabilities €410,816
Equity
€60,408 ▲ 26.9%
Debt
€350,409 ▲ 1,232%
Debt's share of the balance-sheet total rises from 35.6% to 85.3%. Equity and debt are higher.
Key figures and ratios
ROE
21.2%▼
2024 · 94.7%
ROA
3.1%▼
2024 · 61.0%
Debt ≤ 1 year
€43,823▲
2024 · €26,298
Debt > 1 year
€306,586
Income taxes
€5,596▼
2024 · €13,153
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,852 | €24,979 | ▲ 776% |
| Other operating charges640/8 | €708 | €1,413 | ▲ 99.4% |
| Gross operating margin9900 | €65,520 | €57,387 | ▼ 12.4% |
| Operating profit (loss)9901 | €61,959 | €30,996 | ▼ 50.0% |
| Financial income75/76B | €15 | €0 | ▼ 100% |
| Recurring financial income75 | €15 | €0 | ▼ 100% |
| Financial charges65/66B | €3,719 | €12,594 | ▲ 239% |
| Recurring financial charges65 | €3,719 | €12,594 | ▲ 239% |
| Profit (loss) for the period before taxes9903 | €58,255 | €18,402 | ▼ 68.4% |
| Income taxes67/77 | €13,153 | €5,596 | ▼ 57.5% |
| Profit (loss) for the period9904 | €45,102 | €12,806 | ▼ 71.6% |
| Profit (loss) for the period to be appropriated9905 | €45,102 | €12,806 | ▼ 71.6% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €73,900 | €410,816 | ▲ 456% |
| Fixed assets21/28 | €18,459 | €341,488 | ▲ 1,750% |
| Tangible fixed assets22/27 | €18,459 | €341,488 | ▲ 1,750% |
| Land and buildings22 | - | €340,222 | - |
| Furniture and vehicles24 | €779 | €1,266 | ▲ 62.6% |
| Assets under construction and advance payments27 | €17,680 | €0 | ▼ 100% |
| Current assets29/58 | €55,441 | €69,328 | ▲ 25.0% |
| Amounts receivable within one year40/41 | €11,175 | €12,584 | ▲ 12.6% |
| Trade receivables40 | €11,164 | €12,584 | ▲ 12.7% |
| Other amounts receivable41 | €11 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €43,794 | €56,627 | ▲ 29.3% |
| Deferred charges and accrued income490/1 | €472 | €117 | ▼ 75.2% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €73,900 | €410,816 | ▲ 456% |
| Equity10/15 | €47,602 | €60,408 | ▲ 26.9% |
| Contributions10/11 | €2,500 | €2,500 | = |
| Profit (loss) carried forward14 | €45,102 | €57,908 | ▲ 28.4% |
| Amounts payable17/49 | €26,298 | €350,409 | ▲ 1,232% |
| Amounts payable after more than one year17 | - | €306,586 | - |
| Financial debts170/4 | - | €306,586 | - |
| Amounts payable within one year42/48 | €26,298 | €43,823 | ▲ 66.6% |
| Current portion of amounts payable after more than one year42 | - | €11,832 | - |
| Trade debts44 | €4,846 | €3,916 | ▼ 19.2% |
| Suppliers440/4 | €4,846 | €3,916 | ▼ 19.2% |
| Taxes, remuneration and social security45 | €21,370 | €27,692 | ▲ 29.6% |
| Taxes450/3 | €21,281 | €27,646 | ▲ 29.9% |
| Remuneration and social security454/9 | €88 | €46 | ▼ 48.1% |
| Other amounts payable47/48 | €83 | €383 | ▲ 364% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €45,102 | €12,806 | ▼ 71.6% |
| + Depreciation and write-downs630 | €2,852 | €24,979 | ▲ 776% |
| Operating cash flow (approximation) | €47,955 | €37,784 | ▼ 21.2% |
| Investment in fixed assets (approximation) | - | -€348,008 | - |
| Change in cash | - | €12,833 | - |
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Thuin · 1 establishment unit since 2024
Ground area
672 m²
Building footprint
94 m²
Parcel 56030B0161/00H000, Wallonia. Linked by address, not a title deed.
1 establishment unit
GASPADELE
since 20242.354.862.169
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56030B0161/00H000 | Wallonia | 672 m² | 1 · 94 m² | - |
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.
Similar companies · same sector, comparable size
BNWA
BE 0774.437.409
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BT SERVICES
BE 0829.975.253
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MS Capital Financial Services Europe
BE 0872.495.895
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European Climate DB
BE 0746.363.728
Sint-Lambrechts-Woluwe · Eq €59,076
MERCURIUS FUNDING
BE 0842.094.414
Sint-Joost-ten-Node · Eq €62,000
Of 806 companies in sector 64999 we hold annual accounts for 484. 299 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
Founded24-01-2024
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:1005143890
Registered
30-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.