GEBLO
ActiveThe computed 12-month bankruptcy probability of GEBLO is 1.5% (moderate). The 2025 annual accounts show equity of €105k and a net result of €8k. Equity is growing by ~34.1% per year across the filed fiscal years. Its solvency ranks better than 28% of 1291 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
73
/ 100
Healthy▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▼-57
Solvency62▲+8
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 1.68 in 2024), but 74% 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 33
Relative position
BE, all sectors
reference
Sector 33
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
26%
Return on assets
2%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 7 filingsDeviation from the deadline
2025
27 d late
2024
20 d late
2023
61 d late
2022
57 d late
2021
44 d late
2020
59 d late
2019
89 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€105k▼ 17.3%
2024 · €127k
2019: €28k
2020: €37k
2021: €50k
2022: €78k
2023: €102k
2024: €127k
2019 → 2025
Total assets
€402k▼ 18.3%
2024 · €492k
2019: €78k
2020: €81k
2021: €97k
2022: €125k
2023: €231k
2024: €492k
2019 → 2025
Net result
€8k▼ 66.7%
2024 · €24k
2019: €16k
2020: €9k
2021: €8k
2022: €27k
2023: €54k
2024: €24k
2019 → 2025
Working capital
€60k▼ 21.1%
2024 · €76k
2019: €22k
2020: €30k
2021: €49k
2022: €77k
2023: €133k
2024: €76k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€78k▲ 53.9%€102k▲ 31.5%€127k▲ 23.9%€105k▼ 17.3%
Operating result€11k-€37k▲ 246%€75k▲ 101%€43k▼ 42.4%€20k▼ 53.2%
Net result€8k-€27k▲ 261%€54k▲ 100%€24k▼ 55.2%€8k▼ 66.7%
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 53% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €402k
Fixed assets
€283k▼ 6.9%
Current assets
€119k▼ 36.6%
Equity and liabilities €402k
Equity
€105k▼ 17.3%
Debt
€297k▼ 18.6%
The debt ratio falls from 74.3% to 74.0%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€42k▼
2024 · €96k
Cash flow
€30k▼
2024 · €78k
Solvency
26.0%▲
2024 · 25.7%
Current ratio
2.01▲
2024 · 1.68
Quick ratio
1.76▲
2024 · 1.61
Debt / equity
2.84▼
2024 · 2.89
ROE
7.8%▼
2024 · 19.3%
ROA
2.0%▼
2024 · 5.0%
Interest coverage
4.03▼
2024 · 10.60
Debt
€297k▼
2024 · €366k
Debt ≤ 1 year
€60k▼
2024 · €112k
Debt > 1 year
€238k▼
2024 · €253k
Income taxes
€4k▼
2024 · €10k
Staff costs
€62k
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€492k€402k▼
Fixed assets21/28€304k€283k▼
Tangible fixed assets22/27€304k€283k▼
Land and buildings22€274k€259k▼
Plant, machinery and equipment23-€785
Furniture and vehicles24€30k€23k▼
Current assets29/58€188k€119k▼
Amounts receivable after more than one year29€4k€6k▲
Trade receivables290€4k€6k▲
Stocks and contracts in progress3€7k€15k▲
Stocks30/36€7k€15k▲
Amounts receivable within one year40/41€93k€56k▼
Trade receivables40€82k€51k▼
Other amounts receivable41€11k€5k▼
Cash at bank and in hand54/58€79k€38k▼
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€492k€402k▼
Equity10/15€127k€105k▼
Contributions10/11€19k€19k=
Reserves13€24k€33k▲
Distributable reserves133€24k€33k▲
Profit (loss) carried forward14€84k€54k▼
Amounts payable17/49€366k€297k▼
Amounts payable after more than one year17€253k€238k▼
Financial debts170/4€253k€238k▼
Amounts payable within one year42/48€112k€60k▼
Current portion of amounts payable after more than one year42€15k€15k▲
Trade debts44€60k€29k▼
Suppliers440/4€60k€29k▼
Taxes, remuneration and social security45€38k€15k▼
Taxes450/3€38k€13k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€221€221=
Income statement
Code20242025
Remuneration, social security and pensions62-€62k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€22k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€99k€108k▲
Operating profit (loss)9901€43k€20k▼
Financial income75/76B€418€3k▲
Recurring financial income75€418€3k▲
Financial charges65/66B€9k€10k▲
Recurring financial charges65€9k€10k▲
Profit (loss) for the period before taxes9903€34k€12k▼
Income taxes67/77€10k€4k▼
Profit (loss) for the period9904€24k€8k▼
Profit (loss) for the period to be appropriated9905€24k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€108k€62k▼
Profit (loss) brought forward from the previous period14P€84k€54k▼
Transfer to equity691/2€24k€8k▼
To other reserves6921€24k€8k▼
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Highest result since 2019net €54k ▲100%
Operating result €75k, net result €54k, both a record.
31-12
Financial
Equity above €100kEq €102k ▲31.5%
5 profitable years in a row build equity to €102k.
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 57 days late
2022
13-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 44 days late
2021
31-12
Financial
Weakest financial yearnet €8k ▼14.4%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 59 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
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, Zonnebeke · 1 establishment unit since 2018
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.
Wervikstraat 508980 ZonnebekeGround area
18.7 ha
Building footprint
9,368 m²
Volume, LiDAR
80,374 m³
2 parcels, Flanders · tallest building 44.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GEBLO
since 20182.282.390.697
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33305B0964/00D000 | Flanders | 18.6 ha | 1 · 9,210 m² | 44.9 m · 2 fl. |
| 33001E0408/00Z003 | Flanders | 659 m² | 1 · 158 m² | 11.1 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 1,289 EUR awarded · 1,289 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 302 EUR | 302 EUR |
| 2023 | 1 | 987 EUR | 987 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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ROVA AANHANGWAGENS
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Arendonk · Eq €101k
Of 877 companies in sector 33110 we hold annual accounts for 435. 333 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-2018
Fiscal year end31-12
Activities, NACEBEL
33110Repair and maintenance of fabricated metal products
43221Plumbing work
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.