GDY-Consult
ActiveSummary
GDY-Consult has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €137k. Equity is growing by ~44.9% per year across the filed fiscal years. Its solvency ranks better than 24% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency47▼-53
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 12.45 in 2024; short-term debt: 78.4% and cash: 75.2% of total assets), and 78.4% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
21.6%
Return on assets
49.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 24%
← weakest
strongest →
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 22-04-2026, 100 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
100 d early
2024
46 d early
2023
65 d early
2022
68 d early
2021
26 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k▼ 77.7%
2024 · €267k
2021: €72k
2022: €125k
2023: €189k
2024: €267k
2021 → 2025
Total assets
€276k▼ 3.5%
2024 · €286k
2021: €89k
2022: €155k
2023: €203k
2024: €286k
2021 → 2025
Net result
€137k▲ 76.9%
2024 · €78k
2021: €67k
2022: €54k
2023: €64k
2024: €78k
2021 → 2025
Working capital
€19k▼ 91.2%
2024 · €212k
2021: €48k
2022: €110k
2023: €119k
2024: €212k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€125k▲ 75.0%€189k▲ 50.9%€267k▲ 41.0%€60k▼ 77.7%
Operating result€86k-€77k▼ 9.6%€83k▲ 6.9%€101k▲ 21.7%€181k▲ 79.4%
Net result€67k-€54k▼ 19.4%€64k▲ 18.8%€78k▲ 21.7%€137k▲ 76.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 79% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €276k
Fixed assets
€41k ▼ 25.6%
Current assets
€235k ▲ 1.8%
Equity and liabilities €276k
Equity
€60k ▼ 77.7%
Debt
€216k ▲ 1,067%
Debt's share of the balance-sheet total rises from 6.5% to 78.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€198k▲
2024 · €118k
Cash flow
€155k▲
2024 · €95k
Current ratio
1.09▼
2024 · 12.45
Debt to equity
3.63▲
2024 · 0.07
ROE
231.0%▲
2024 · 29.1%
ROA
49.9%▲
2024 · 27.2%
Interest coverage
1322.56▲
2024 · 545.19
Debt ≤ 1 year
€216k▲
2024 · €19k
Income taxes
€43k▲
2024 · €23k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€286k€276k▼
Fixed assets21/28€55k€41k▼
Tangible fixed assets22/27€55k€41k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€50k€37k▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€230k€235k▲
Amounts receivable within one year40/41€28k€25k▼
Trade receivables40€24k€25k▲
Other amounts receivable41€4k€349▼
Cash at bank and in hand54/58€201k€207k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€286k€276k▼
Equity10/15€267k€60k▼
Contributions10/11€5k€5k=
Reserves13€54k€54k=
Distributable reserves133€54k€54k=
Profit (loss) carried forward14€208k€762▼
Amounts payable17/49€19k€216k▲
Amounts payable within one year42/48€19k€216k▲
Trade debts44€7k€5k▼
Suppliers440/4€7k€5k▼
Taxes, remuneration and social security45€12k€15k▲
Taxes450/3€12k€15k▲
Other amounts payable47/48-€196k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€17k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€120k€200k▲
Operating profit (loss)9901€101k€181k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€217€150▼
Recurring financial charges65€217€150▼
Profit (loss) for the period before taxes9903€100k€181k▲
Income taxes67/77€23k€43k▲
Profit (loss) for the period9904€78k€137k▲
Profit (loss) for the period to be appropriated9905€78k€137k▲
Appropriation of the result
Profit (loss) to be appropriated9906€208k€346k▲
Profit (loss) brought forward from the previous period14P€131k€208k▲
Profit to be distributed694/7-€345k
Return on contributions (dividend)694-€345k
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
22-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €137k ▲76.9%
Operating result €181k, net result €137k, both a record.
15-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €267k ▲41%
4 profitable years in a row build equity to €267k.
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 9.50
Current ratio from 4.70 to 9.50; short-term debt falls from €30k to €14k.
31-12
Financial
Equity above €150kEq €189k ▲50.9%
3 profitable years in a row build equity to €189k.
24-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €54k ▼19.4%
Net result drops to €54k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €125k ▲75%
2 profitable years in a row build equity to €125k.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Thimister-Clermont · 1 establishment unit since 2021
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.
Thier 174890 Thimister-ClermontGround area
7,185 m²
Building footprint
197 m²
Volume, LiDAR
1,657 m³
Parcel 63017B0456/00N000, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GDY-Consult
since 20212.315.701.586
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63017B0456/00N000 | Wallonia | 7,185 m² | 1 · 197 m² | 10.4 m · 3 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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ConsulTINK
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,974 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.