GEBEMA
ActiveGEBEMA has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €518k and a net result of €52k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 54% of 7993 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+19
Solvency73▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 1.9 against 1.68 in 2024; short-term debt: 52% and cash: 17.7% of total assets), but 52% 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 · 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
48%
Return on assets
4.8%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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
12 d late
2024
69 d early
2023
5 d late
2022
on the day
2021
83 d early
2020
80 d early
2019
73 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€52k▲ 17.0%
2024 · €44k
2018: €11k
2019: €8k
2020: €36k
2021: €37k
2022: €163k
2023: €53k
2024: €44k
2018 → 2025
Working capital
€506k▼ 4.1%
2024 · €527k
2018: €-451k
2019: €-141k
2021: €370k
2022: €534k
2023: €582k
2024: €527k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€383k-€546k▲ 42.6%€599k▲ 9.6%€541k▼ 9.6%€518k▼ 4.3%
Operating result€48k-€247k▲ 415%€85k▼ 65.7%€75k▼ 11.1%€91k▲ 20.6%
Net result€37k-€163k▲ 344%€53k▼ 67.7%€44k▼ 15.7%€52k▲ 17.0%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 21% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.08M
Fixed assets
€13k▼ 10.7%
Current assets
€1.07M▼ 17.8%
Equity and liabilities €1.08M
Equity
€518k▼ 4.3%
Debt
€561k▼ 27.2%
The debt ratio falls from 58.8% to 52.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€94k▲
2024 · €78k
Cash flow
€55k▲
2024 · €47k
Solvency
48.0%▲
2024 · 41.2%
Current ratio
1.90▲
2024 · 1.68
Quick ratio
1.44▲
2024 · 1.07
Debt / equity
1.08▼
2024 · 1.42
ROE
10.0%▲
2024 · 8.2%
ROA
4.8%▲
2024 · 3.4%
Interest coverage
5.66▲
2024 · 3.55
Debt
€561k▼
2024 · €771k
Debt ≤ 1 year
€561k▼
2024 · €771k
Income taxes
€24k▲
2024 · €9k
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€1.31M€1.08M▼
Fixed assets21/28€14k€13k▼
Intangible fixed assets21€4k€2k▼
Tangible fixed assets22/27€10k€10k▼
Land and buildings22€10k€10k▼
Financial fixed assets28-€1k
Current assets29/58€1.30M€1.07M▼
Stocks and contracts in progress3€474k€261k▼
Stocks30/36€474k€261k▼
Amounts receivable within one year40/41€752k€614k▼
Trade receivables40€721k€594k▼
Other amounts receivable41€31k€20k▼
Cash at bank and in hand54/58€73k€191k▲
Deferred charges and accrued income490/1-€887
Equity and liabilities
Total equity and liabilities10/49€1.31M€1.08M▼
Equity10/15€541k€518k▼
Contributions10/11€300k€300k=
Reserves13€206k€206k=
Non-distributable reserves130/1€532€532=
Reserves not available under the articles1311€532€532=
Distributable reserves133€205k€205k=
Profit (loss) carried forward14€36k€13k▼
Amounts payable17/49€771k€561k▼
Amounts payable within one year42/48€771k€561k▼
Current portion of amounts payable after more than one year42€300k-
Financial debts43-€250k
Credit institutions430/8-€250k
Trade debts44€280k€186k▼
Suppliers440/4€280k€186k▼
Taxes, remuneration and social security45€101k€60k▼
Taxes450/3€101k€60k▼
Other amounts payable47/48€90k€65k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-28k-
Other operating charges640/8€1k€6k▲
Gross operating margin9900€52k€100k▲
Operating profit (loss)9901€75k€91k▲
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€22k€17k▼
Recurring financial charges65€22k€17k▼
Profit (loss) for the period before taxes9903€53k€75k▲
Income taxes67/77€9k€24k▲
Profit (loss) for the period9904€44k€52k▲
Profit (loss) for the period to be appropriated9905€44k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€138k€88k▼
Profit (loss) brought forward from the previous period14P€93k€36k▼
Profit to be distributed694/7€102k€75k▼
Return on contributions (dividend)694€102k€75k▼
The notes to these accounts (9 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 5 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €163k ▲344%
Operating result €247k, net result €163k, both a record.
31-12
Financial
Equity above €500kEq €546k ▲42.6%
5 profitable years in a row build equity to €546k.
09-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €8k ▼25%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
15-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 15 days late
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-05
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
6 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, Nivelles · 1 establishment unit since 2016
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 de l'Industrie 191400 NivellesGround area
1.1 ha
Building footprint
5,108 m²
Volume, LiDAR
40,902 m³
2 parcels, Brussels, Wallonia · tallest building 16.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GEBEMA HOLDING
since 20162.253.706.512
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782C0593/00C000 | Wallonia | 1.0 ha | 1 · 4,934 m² | 11.6 m · 3 fl. |
| 21526D0055/00V000 | Brussels | 315 m² | 1 · 173 m² | 16.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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EUROPELS JAQUES
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EUROHIDE
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Of 31 companies in sector 46240 we hold annual accounts for 23. 20 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2015
Fiscal year end31-12
Activities, NACEBEL
46240Wholesale trade
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.