GEFISC
ActiveSummary
The annual accounts of GEFISC for fiscal year 2024 show a net loss of 108% of total assets and of 56% of the equity at the start of that year. The 2024 annual accounts show equity of €47k and a net result of €-61k. Equity is shrinking by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 84% of 9518 sector peers (fiscal year 2024). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. A confirmed filing finding caps the score. Each of these causes sets the same score on its own. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-16
Solvency100=
Growth22=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 5.66 against 19.13 in 2023; short-term debt: 12.8% and cash: 48.6% of total assets), and 16.1% 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
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
83.9%
Return on assets
-107.6%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-61k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-02-2026, 212 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
212 d late
2023
30 d late
2022
9 d late
2021
22 d late
2020
10 d late
2019
24 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€43k▼ 25.0%
2022 · €57k
2018: €83k
2019: €79k
2020: €69k
2021: €67k
2022: €57k
2018 → 2023
EBIT margin
-19.6%▲ 4.5pp
2022 · -24.1%
2018: 14.1%
2019: 13.0%
2020: -0.6%
2021: -4.1%
2022: -24.1%
2018 → 2023
Net result
€-61k▼ 511%
2023 · €-10k
2018: €5k
2019: €5k
2020: €-3k
2021: €-5k
2022: €-16k
2023: €-10k
2018 → 2024
Working capital
€34k▼ 60.4%
2023 · €85k
2018: €131k
2019: €140k
2020: €131k
2021: €127k
2022: €110k
2023: €85k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€69k-€67k▼ 2.7%€57k▼ 14.3%€43k▼ 25.0%
Equity€139k-€133k▼ 3.8%€118k▼ 11.8%€108k▼ 8.4%€47k▼ 56.1%
Operating result€-417-€-3k▼ 561%€-14k▼ 404%€-8k▲ 39.0%€-31k▼ 269%
Net result€-3k-€-5k▼ 57.0%€-16k▼ 195%€-10k▲ 37.0%€-61k▼ 511%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €31k in 2024 against €8k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €56k
Fixed assets
€15k ▼ 37.0%
Current assets
€41k ▼ 54.5%
Equity and liabilities €56k
Equity
€47k ▼ 56.1%
Debt
€9k ▲ 36.3%
Debt's share of the balance-sheet total rises from 5.8% to 16.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-22k▼
2023 · €628
Cash flow
€-52k▼
2023 · €-829
Current ratio
5.66▼
2023 · 19.13
Debt to equity
0.19▲
2023 · 0.06
ROE
-128.2%▼
2023 · -9.2%
ROA
-107.6%▼
2023 · -8.7%
Interest coverage
-0.76▼
2023 · 0.42
Debt ≤ 1 year
€7k▲
2023 · €5k
Income taxes
€444▲
2023 · €143
Staff costs
€21k▲
2023 · €18k
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 · 2024 against 2023 · 50 lines
Balance sheet
Code20232024
Assets
Total assets20/58€114k€56k▼
Fixed assets21/28€25k€15k▼
Tangible fixed assets22/27€25k€15k▼
Furniture and vehicles24€25k€15k▼
Current assets29/58€90k€41k▼
Amounts receivable after more than one year29€1k-
Other amounts receivable291€1k-
Amounts receivable within one year40/41€60k€14k▼
Trade receivables40€22k€14k▼
Other amounts receivable41€38k-
Cash at bank and in hand54/58€27k€27k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€114k€56k▼
Equity10/15€108k€47k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€87k€27k▼
Amounts payable17/49€7k€9k▲
Amounts payable within one year42/48€5k€7k▲
Current portion of amounts payable after more than one year42€988-
Trade debts44€138€462▲
Suppliers440/4€138€462▲
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€131€495▲
Remuneration and social security454/9€3k€1k▼
Other amounts payable47/48-€5k
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20232024
Turnover70€43k-
Non-recurring operating income76A€15k€57▼
Goods, raw materials, services and sundry goods60/61€37k-
Remuneration, social security and pensions62€18k€21k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k=
Other operating charges640/8€2k€993▼
Non-recurring operating charges66A-€407
Gross operating margin9900€21k€-179▼
Operating profit (loss)9901€-8k€-31k▼
Financial income75/76B€198€405▲
Recurring financial income75€198€405▲
Financial charges65/66B€2k€29k▲
Recurring financial charges65€2k€29k▲
Profit (loss) for the period before taxes9903€-10k€-60k▼
Income taxes67/77€143€444▲
Profit (loss) for the period9904€-10k€-61k▼
Profit (loss) for the period to be appropriated9905€-10k€-61k▼
Appropriation of the result
Profit (loss) to be appropriated9906€87k€27k▼
Profit (loss) brought forward from the previous period14P€97k€88k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
04-08
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- General meeting, 01/06/2026
- Registered-office move, Rue du Bouveau, 2-7110 Maurage
28-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 212 days late
2024
31-12
Financial
Weakest financial yearnet €-61k
Net result drops to €-61k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 19.13
Current ratio from 7.55 to 19.13; short-term debt falls from €17k to €5k.
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 9 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 22 days late
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 10 days late
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 18 days late
2017
14-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 14 days late
2016
27-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 58 days late
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, La Louvière · 1 establishment unit since 1992
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 du Bouveau(M) 27110 La LouvièreGround area
460 m²
Building footprint
131 m²
Volume, LiDAR
513 m³
2 parcels, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GEFISC
since 19922.056.654.376
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55026B0188/00S007 | Wallonia | 314 m² | 1 · 78 m² | - |
| 55372D0061/00P002 | Wallonia | 146 m² | 1 · 53 m² | 10.7 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.
Similar companies · same sector, comparable size
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KENESSENCE
BE 0680.763.519
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'T SOETE HEEM
BE 0471.662.005
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Jo Daris
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Of 11,222 companies in sector 82100 we hold annual accounts for 3,510. 2,534 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 (pre-2019)
Founded09-03-1992
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:degreveaf@gmail.com