GCWM
ActiveGCWM has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €14k. Its solvency ranks better than 37% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency64
Growth-
Track record67
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.64; short-term debt: 61% and cash: 100% of total assets), but 61% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
39%
Return on assets
36.4%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
2 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€15k
Total assets
€38k
Net result
€14k
Working capital
€15k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €38k
Equity
€15k
Debt
€23k
Debt finances 61.0% of the balance-sheet total.
Key figures and ratios
Solvency
39.0%
Current ratio
1.64
Quick ratio
1.64
Debt / equity
1.56
ROE
93.2%
ROA
36.4%
Debt
€23k
Debt ≤ 1 year
€23k
Income taxes
€4k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€38k
Current assets29/58€38k
Cash at bank and in hand54/58€38k
Equity and liabilities
Total equity and liabilities10/49€38k
Equity10/15€15k
Contributions10/11€1k
Reserves13€14k
Distributable reserves133€14k
Amounts payable17/49€23k
Amounts payable within one year42/48€23k
Trade debts44€5k
Suppliers440/4€5k
Taxes, remuneration and social security45€8k
Taxes450/3€8k
Other amounts payable47/48€10k
Income statement
Code2025
Other operating charges640/8€828
Gross operating margin9900€19k
Operating profit (loss)9901€18k
Financial charges65/66B€45
Recurring financial charges65€45
Profit (loss) for the period before taxes9903€18k
Income taxes67/77€4k
Profit (loss) for the period9904€14k
Profit (loss) for the period to be appropriated9905€14k
Appropriation of the result
Profit (loss) to be appropriated9906€14k
Transfer to equity691/2€14k
To other reserves6921€14k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Schilde · 1 establishment unit since 2025
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.
De Roskam 232970 SchildeGround area
3,226 m²
Building footprint
293 m²
Volume, LiDAR
1,274 m³
Parcel 11039A0387/00N000, Flanders · tallest building 9.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
GCWM
since 20252.374.131.517
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039A0387/00N000 | Flanders | 3,226 m² | 1 · 293 m² | 9.7 m · 1 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 5,700 companies in sector 70100 we hold annual accounts for 3,494. 1,403 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-04-2025
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
66199Other activities auxiliary to financial services, excluding insurance and pension funding
82100Office administrative and support services
95316Washing and cleaning of motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.