GDW Consultancy
ActiveThe computed 12-month bankruptcy probability of GDW Consultancy is 1.7% (moderate). The 2025 annual accounts show equity of €178k and a net result of €32k. Equity is growing by ~29.3% per year across the filed fiscal years. Its solvency ranks better than 76% of 7330 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▼-10
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 2.8 against 2.77 in 2024), and 32.1% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
67.9%
Return on assets
12.2%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
2 d late
2024
3 d early
2023
41 d early
2022
1 d early
2021
45 d early
2020
10 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€178k▲ 22.0%
2024 · €146k
2020: €27k
2021: €61k
2022: €102k
2023: €102k
2024: €146k
2020 → 2025
Total assets
€263k▲ 18.1%
2024 · €222k
2020: €39k
2021: €114k
2022: €159k
2023: €209k
2024: €222k
2020 → 2025
Net result
€32k▼ 27.7%
2024 · €44k
2020: €18k
2021: €35k
2022: €41k
2023: €55k
2024: €44k
2020 → 2025
Working capital
€152k▲ 20.0%
2024 · €126k
2020: €23k
2021: €46k
2022: €80k
2023: €84k
2024: €126k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€61k-€102k▲ 66.8%€102k=€146k▲ 43.6%€178k▲ 22.0%
Operating result€46k-€57k▲ 23.7%€70k▲ 22.6%€62k▼ 11.8%€45k▼ 26.3%
Net result€35k-€41k▲ 16.7%€55k▲ 35.1%€44k▼ 19.4%€32k▼ 27.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 26% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €263k
Fixed assets
€27k▲ 9.6%
Current assets
€236k▲ 19.1%
Equity and liabilities €263k
Equity
€178k▲ 22.0%
Debt
€84k▲ 10.6%
The debt ratio falls from 34.3% to 32.1%: equity grows faster than debt.
Key figures and ratios
EBITDA
€59k▼
2024 · €73k
Cash flow
€46k▼
2024 · €56k
Solvency
67.9%▲
2024 · 65.7%
Current ratio
2.80▲
2024 · 2.77
Quick ratio
2.80▲
2024 · 2.56
Debt / equity
0.47▼
2024 · 0.52
ROE
18.0%▼
2024 · 30.4%
ROA
12.2%▼
2024 · 20.0%
Interest coverage
105.81▼
2024 · 251.08
Debt
€84k▲
2024 · €76k
Debt ≤ 1 year
€84k▲
2024 · €71k
Debt > 1 year
€0▼
2024 · €5k
Income taxes
€13k▼
2024 · €17k
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€222k€263k▲
Fixed assets21/28€25k€27k▲
Tangible fixed assets22/27€25k€27k▲
Plant, machinery and equipment23€7k€15k▲
Furniture and vehicles24€7k€9k▲
Leasing and similar rights25€11k€3k▼
Current assets29/58€198k€236k▲
Stocks and contracts in progress3€15k€0▼
Stocks30/36€15k€0▼
Amounts receivable within one year40/41€15k€5k▼
Trade receivables40€13k€968▼
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€165k€229k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€222k€263k▲
Equity10/15€146k€178k▲
Contributions10/11€10k€10k=
Reserves13€136k€168k▲
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€135k€167k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€76k€84k▲
Amounts payable after more than one year17€5k€0▼
Financial debts170/4€5k€0▼
Amounts payable within one year42/48€71k€84k▲
Current portion of amounts payable after more than one year42€8k€5k▼
Trade debts44€2k€6k▲
Suppliers440/4€2k€6k▲
Taxes, remuneration and social security45€11k€11k▼
Taxes450/3€11k€11k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€51k€62k▲
Accrued charges and deferred income492/3-€361
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€14k▲
Other operating charges640/8€921€983▲
Gross operating margin9900€74k€60k▼
Operating profit (loss)9901€62k€45k▼
Financial income75/76B€14€32▲
Recurring financial income75€14€32▲
Financial charges65/66B€292€557▲
Recurring financial charges65€292€557▲
Profit (loss) for the period before taxes9903€61k€45k▼
Income taxes67/77€17k€13k▼
Profit (loss) for the period9904€44k€32k▼
Profit (loss) for the period to be appropriated9905€44k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€44k€32k▼
Transfer to equity691/2€44k€32k▼
To other reserves6921€44k€32k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (8 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
30-06
Financial
Equity above €150kEq €178k ▲22%
6 profitable years in a row build equity to €178k.
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Highest result since 2020net €55k ▲35.1%
Operating result €70k, net result €55k, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €100kEq €102k ▲66.8%
3 profitable years in a row build equity to €102k.
2021
17-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
21-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Oosterzele · 1 establishment unit since 2019
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.
Meerlaanstraat 249860 OosterzeleGround area
4,325 m²
Building footprint
815 m²
Volume, LiDAR
3,508 m³
Parcel 44007B0831/00E000, Flanders · tallest building 7.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
GDW Consultancy
since 20192.291.746.249
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44007B0831/00E000 | Flanders | 4,325 m² | 1 · 815 m² | 7.0 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 301 EUR awarded · 301 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 212 EUR | 212 EUR |
| 2022 | 1 | 89 EUR | 89 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,038. 12,326 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-07-2019
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.