GD&D CONSULTING · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of GD&D CONSULTING is 0.4% (very low). The 2025 annual accounts show equity of €80k and a net result of €77k. Equity is growing by ~28.2% per year across the filed fiscal years. Its solvency ranks better than 36% of 4723 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-06-2026, 59 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	02-06-2026	59 d early	2026-00135652
31-12-2024	31-07-2025	22-04-2025	100 d early	2025-00073898
31-12-2023	31-07-2024	21-06-2024	40 d early	2024-00156372
31-12-2022	31-07-2023	05-07-2023	26 d early	2023-00204521

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.4% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€77k+105.7%

Working capital€72k-38.7%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 02-06-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~28.2%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	35.9%	55.5%	better than 36% of 4723 sector peers
Net result	€77k	€38k	better than 76% of 4722 sector peers
Equity	€80k	€64k	better than 56% of 4723 sector peers
Gross operating margin	€117k	€61k	better than 78% of 4715 sector peers
Total assets	€223k	€146k	better than 67% of 4723 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P36

Improving position over 2022-2025 · n=4723-12464

Net result P76

Stable position over 2022-2025 · n=4722-12466

Equity P56

Stable position over 2022-2025 · n=4723-12472

Gross operating margin P78

Stable position over 2022-2025 · n=4715-12452

Describes the position versus peers, not a forecast.

EBITDA

€115k

+74.0% 22-25

Net profit

€77k

+105.7% 22-25

Cash flow

€92k

+76.4% 22-25

Total assets

€223k

+32.4% 22-25

Equity

€80k

-39.5% 22-25

Working capital

€72k

-38.7% 22-25

Income taxes

€24k

+88.3% 22-25

Dividends

€129k

- 22-25

Debt

€143k

+294.1% 22-25

Debt ≤ 1y

€143k

+376.1% 22-25

Debt > 1y

€6k

-68.1% 22-25

Current ratio

1.50

-69.3% 22-25

Quick ratio

1.50

-69.3% 22-25

Solvency

35.9%

-54.3% 22-25

Debt / equity

1.79

+551.1% 22-25

ROE

96.5%

+239.9% 22-25

ROA

34.6%

+55.4% 22-25

Interest coverage

152.27

+227.6% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€115k
Net profit	€77k
Cash flow	€92k
Staff costs	-
Income taxes	€24k
Dividends	€129k
Total assets	€223k
Equity	€80k
Debt	€143k
of which ≤ 1y	€143k
of which > 1y	-
Working capital	€72k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	1.50
Quick ratio	1.50
Working capital ratio	32.1%
Solvency	35.9%
Debt / equity	1.79
Long-term debt ratio	-
Interest coverage	152.27
Gross margin	-
Net margin	-
ROA	34.6%
ROE	96.5%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €8k · 3.7% Current assets €215k · 96.3%

Equity & liabilities

Equity €80k · 35.9% Debt €143k · 64.1%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€223k
Fixed assets	21/28	€8k
Tangible fixed assets	22/27	€8k
Current assets	29/58	€215k
Amounts receivable within one year	40/41	€16k
Cash & bank	54/58	€197k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€223k
Equity	10/15	€80k
Contributions / capital	10/11	€5k
Reserves	13	€60k
Accumulated profits (losses)	14	€15k
Amounts payable	17/49	€143k
Amounts payable within one year	42/48	€143k
Trade debts payable within one year	44	€1k
Income statement
Gross operating margin	9900	€117k
Operating result	9901	€100k
Financial income	75	€2k
Financial charges	65	€753
Result before taxes	9903	€101k
Income taxes	67/77	€24k
Net result for the period	9904	€77k
Result to be appropriated	9905	€77k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

91 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Rue Gaston Delvaux 601450 Chastre

Establishment units

1 location

GD&D Consulting

Rue Gaston Delvaux 60, 1450 ChastreOverige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering

since 20222.330.435.886

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1,613 m²

Buildings1

Building footprint154 m²

Volume (LiDAR)850 m³

Tallest building7.6 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25022A0150/00D003	Wallonia	1,612 m²	1 · 154 m²	7.6 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

86 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 91

Profitability 100

Solvency 67

Growth 78

Stability 94

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

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We hold annual accounts for 15,317 of the 82,003 companies in this sector. 12,605 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Organisatie van congressen en beurzen82300Organisatie van congressen en beurzen82300Beroepsopleiding85592Beroepsopleiding85592Overige vormen van onderwijs85599Overige vormen van onderwijs85599

Primary activity highlighted.

Names & trade names

Legal nameFR

GD&D CONSULTING

Registered office

Rue Gaston Delvaux 60

1450 Chastre, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.