GBM CONSULTING
ActiveGBM CONSULTING has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €-13k. Equity is growing by ~31% per year across the filed fiscal years. Its solvency ranks better than 95% of 16974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100▲+17
Growth68▼-17
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
short-term debt: 0.2% and cash: 86.4% of total assets, and 0.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 →
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 2025Solvency, return and age of the figures
Solvency
99.8%
Return on assets
-34.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-08-2026, 9 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 · 10 filingsDeviation from the deadline
2025
9 d late
2024
8 d early
2023
11 d late
2022
3 d early
2021
18 d late
2020
9 d early
2019
17 d early
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€115k▲ 8.0%
2023 · €107k
2022: €2k
2023: €107k
2022 → 2024
EBIT margin
46.3%▲ 4.1pp
2023 · 42.1%
2022: 40.8%
2023: 42.1%
2022 → 2024
Net result
€-13k
2024 · €36k
2019: €-8k
2020: €-8k
2021: €1k
2022: €49
2023: €37k
2024: €36k
2019 → 2025
Working capital
€37k▼ 25.6%
2024 · €50k
2019: €17k
2020: €9k
2021: €10k
2022: €10k
2023: €21k
2024: €50k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2k€107k▲ 5,527%€115k▲ 8.0%
Equity€10k-€10k▲ 0.5%€20k▲ 94.9%€50k▲ 146%€37k▼ 25.7%
Operating result€2k-€775▼ 57.3%€45k▲ 5,712%€53k▲ 18.6%€-10k
Net result€1k-€49▼ 96.4%€37k▲ 75,597%€36k▼ 2.1%€-13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10k after €53k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37k
Fixed assets
€77▼ 50.0%
Current assets
€37k▼ 56.5%
Equity and liabilities €37k
Equity
€37k▼ 25.7%
Debt
€84▼ 99.8%
The debt ratio falls from 41.5% to 0.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-10k▼
2024 · €54k
Cash flow
€-13k▼
2024 · €36k
Solvency
99.8%▲
2024 · 58.5%
Debt / equity
0.00▼
2024 · 0.71
ROE
-34.6%▼
2024 · 72.2%
ROA
-34.5%▼
2024 · 42.2%
Interest coverage
-2.78▼
2024 · 13.84
Debt
€84▼
2024 · €36k
Debt ≤ 1 year
€84▼
2024 · €36k
Income taxes
€84▼
2024 · €17k
A ratio outside any meaningful range has been withheld (balance sheet total €37k, equity €37k).
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€86k€37k▼
Fixed assets21/28€153€77▼
Tangible fixed assets22/27€153€77▼
Plant, machinery and equipment23€153€77▼
Current assets29/58€86k€37k▼
Amounts receivable within one year40/41€29k€5k▼
Trade receivables40€10k€999▼
Other amounts receivable41€19k€4k▼
Cash at bank and in hand54/58€57k€32k▼
Deferred charges and accrued income490/1€362€379▲
Equity and liabilities
Total equity and liabilities10/49€86k€37k▼
Equity10/15€50k€37k▼
Contributions10/11€19k€19k=
Reserves13€32k€32k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€30k€30k=
Profit (loss) carried forward14€1€-13k▼
Amounts payable17/49€36k€84▼
Amounts payable within one year42/48€36k€84▼
Trade debts44€9k-
Suppliers440/4€9k-
Taxes, remuneration and social security45€22k€84▼
Taxes450/3€20k€84▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€5k-
Income statement
Code20242025
Turnover70€115k-
Goods, raw materials, services and sundry goods60/61€62k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€77€77=
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€0
Gross operating margin9900€56k€-8k▼
Operating profit (loss)9901€53k€-10k▼
Financial income75/76B€4k€204▼
Recurring financial income75€4k€204▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€53k€-13k▼
Income taxes67/77€17k€84▼
Profit (loss) for the period9904€36k€-13k▼
Profit (loss) for the period to be appropriated9905€36k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€-13k▼
Profit (loss) brought forward from the previous period14P€0€1▲
Transfer to equity691/2€30k-
To other reserves6921€30k-
Profit to be distributed694/7€7k-
Return on contributions (dividend)694€7k-
The notes to these accounts (4 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
09-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
31-12
Financial
Weakest financial yearnet €-13k ▼136%
Net result drops to €-13k, the lowest in the series.
31-12
Financial
Liquidity times 184current ratio 442.41
Current ratio from 2.40 to 442.41; short-term debt falls from €36k to €84.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 11 days late
2023
31-12
Financial
Highest result since 2019net €37k ▲75597%
Net result €37k, the highest in the series.
28-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
30-06
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
22-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Watermaal-Bosvoorde · 1 establishment unit since 2015
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.
Tuintjeslaan 51170 Watermaal-BosvoordeGround area
243 m²
Building footprint
67 m²
Volume, LiDAR
469 m³
Parcel 21017D0065/00G007, Brussels · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Tuintjeslaan 5, 1170 Watermaal-Bosvoorde
since 20152.246.914.730
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21017D0065/00G007 | Brussels | 243 m² | 1 · 67 m² | 10.6 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 29,996 companies in sector 62200 we hold annual accounts for 18,390. 14,848 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-10-2015
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.