GECIFIN
ActiveGECIFIN has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.74M and a net result of €630k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 299 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+3
Solvency100▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €240k at 30 days acceptable
Liquidity ample (current ratio 3.83 against 0.74 in 2024; short-term debt: 4.2% and cash: 15% of total assets), and 7.4% 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 · 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
92.6%
Return on assets
21.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
62 d early
2023
75 d early
2022
24 d early
2021
46 d early
2020
54 d early
2019
51 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€630k▲ 13.5%
2024 · €555k
2018: €360k
2019: €351k
2020: €284k
2021: €247k
2022: €489k
2023: €423k
2024: €555k
2018 → 2025
Working capital
€354k
2024 · €-177k
2018: €-140k
2019: €-59k
2020: €-4k
2021: €-191k
2022: €-111k
2023: €-164k
2024: €-177k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.85M-€2.04M▲ 10.2%€2.06M▲ 0.9%€2.11M▲ 2.6%€2.74M▲ 29.8%
Operating result€105k-€183k▲ 73.2%€97k▼ 46.9%€103k▲ 6.2%€100k▼ 3.2%
Net result€247k-€489k▲ 98.1%€423k▼ 13.6%€555k▲ 31.2%€630k▲ 13.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.96M
Fixed assets
€2.48M▲ 0.9%
Current assets
€480k▼ 6.9%
Equity and liabilities €2.96M
Equity
€2.74M▲ 29.8%
Debt
€219k▼ 74.6%
The debt ratio falls from 29.0% to 7.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€110k▼
2024 · €111k
Cash flow
€640k▲
2024 · €563k
Solvency
92.6%▲
2024 · 71.0%
Current ratio
3.83▲
2024 · 0.74
Quick ratio
3.83▲
2024 · 0.74
Debt / equity
0.08▼
2024 · 0.41
ROE
23.0%▼
2024 · 26.3%
ROA
21.3%▲
2024 · 18.7%
Interest coverage
70.19▲
2024 · 25.77
Debt
€219k▼
2024 · €862k
Debt ≤ 1 year
€125k▼
2024 · €693k
Debt > 1 year
€93k▼
2024 · €167k
Income taxes
€43k▼
2024 · €44k
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€2.97M€2.96M▼
Fixed assets21/28€2.46M€2.48M▲
Tangible fixed assets22/27€27k€49k▲
Plant, machinery and equipment23€27k€49k▲
Financial fixed assets28€2.43M€2.43M=
Current assets29/58€516k€480k▼
Amounts receivable within one year40/41€6k€35k▲
Trade receivables40€3k€15k▲
Other amounts receivable41€4k€20k▲
Cash at bank and in hand54/58€509k€445k▼
Equity and liabilities
Total equity and liabilities10/49€2.97M€2.96M▼
Equity10/15€2.11M€2.74M▲
Contributions10/11€790k€790k=
Outside capital11€790k€790k=
Other1109/19€790k€790k=
Reserves13€1.13M€1.93M▲
Non-distributable reserves130/1€580k€780k▲
Reserves not available under the articles1311€580k€780k▲
Distributable reserves133€550k€1.15M▲
Profit (loss) carried forward14€191k€21k▼
Amounts payable17/49€862k€219k▼
Amounts payable after more than one year17€167k€93k▼
Financial debts170/4€167k€93k▼
Amounts payable within one year42/48€693k€125k▼
Current portion of amounts payable after more than one year42€74k€74k▲
Trade debts44€380€220▼
Suppliers440/4€380€220▼
Taxes, remuneration and social security45€26k€46k▲
Taxes450/3€26k€46k▲
Other amounts payable47/48€593k€6k▼
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€10k▲
Gross operating margin9900€111k€110k▼
Operating profit (loss)9901€103k€100k▼
Financial income75/76B€500k€575k▲
Recurring financial income75€500k€575k▲
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€599k€673k▲
Income taxes67/77€44k€43k▼
Profit (loss) for the period9904€555k€630k▲
Profit (loss) for the period to be appropriated9905€555k€630k▲
Appropriation of the result
Profit (loss) to be appropriated9906€692k€821k▲
Profit (loss) brought forward from the previous period14P€137k€191k▲
Transfer to equity691/2€228k€800k▲
To other reserves6921€228k€800k▲
Profit to be distributed694/7€273k-
Return on contributions (dividend)694€273k-
The notes to these accounts (7 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €630k ▲13.5%
Net result €630k, the highest in the series.
31-12
Financial
Liquidity times 5current ratio 3.83
Current ratio from 0.74 to 3.83; short-term debt falls from €693k to €125k.
30-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
17-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €2MEq €2.04M ▲10.2%
5 profitable years in a row build equity to €2.04M.
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €247k ▼13.2%
Net result drops to €247k, the lowest in the series; recovery starts the following year.
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Beauvechain · 1 establishment unit since 2010
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 Sclimpré(Mél.) 211320 BeauvechainGround area
2,729 m²
Building footprint
102 m²
Volume, LiDAR
748 m³
Parcel 25053B0043/00M000, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Sclimpré(Mél.) 21, 1320 Beauvechain
since 20102.193.057.162
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25053B0043/00M000 | Wallonia | 2,729 m² | 1 · 102 m² | 9.0 m · 2 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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Of 7,007 companies in sector 96999 we hold annual accounts for 602. 147 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2010
Fiscal year end31-12
Activities, NACEBEL
96999Other personal services
68110Buying and selling of own real estate
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.