GEM CONSULTING
ActiveThe annual accounts of GEM CONSULTING for fiscal year 2025 show a net loss of 92% of the equity at the start of that year. The 2025 annual accounts show equity of €974 and a net result of €-11k. Its solvency ranks better than 10% of 17007 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
35
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-72
Solvency27▼-17
Growth32
Track record82
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit 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 short (current ratio 0.73 against 0.84 in 2024; short-term debt: 97.9% and cash: 9.8% of total assets), and 97.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
2.1%
Return on assets
-22.9%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 17007 sector peers (2025).
NBB · sector comparisonPosition among 17007 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-12-2025, 33 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
33 d early
2024
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€974▼ 91.6%
2024 · €12k
2024: €12k
2024 → 2025
Total assets
€46k▼ 25.8%
2024 · €62k
2024: €62k
2024 → 2025
Net result
€-11k
2024 · €9k
2024: €9k
2024 → 2025
Working capital
€-12k▼ 52.0%
2024 · €-8k
2024: €-8k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€12k-€974▼ 91.6%
Operating result€12k-€-8k
Net result€9k-€-11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €12k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €46k
Fixed assets
€13k▼ 28.5%
Current assets
€33k▼ 22.7%
Equity and liabilities €46k
Equity
€974▼ 91.6%
Debt
€45k▼ 10.9%
The debt ratio rises from 81.4% to 97.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-92▼
2024 · €13k
Cash flow
€-3k▼
2024 · €9k
Solvency
2.1%▼
2024 · 18.6%
Current ratio
0.73▼
2024 · 0.84
Quick ratio
0.73▼
2024 · 0.84
ROA
-22.9%▼
2024 · 13.7%
Interest coverage
-0.04
Debt
€45k▼
2024 · €51k
Debt ≤ 1 year
€45k▼
2024 · €51k
Income taxes
€415▼
2024 · €3k
Staff costs
€43k▲
2024 · €6k
Equity ratios withheld: equity of €974 is too small for a meaningful ratio.
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€62k€46k▼
Formation expenses20€1k€0▼
Fixed assets21/28€18k€13k▼
Tangible fixed assets22/27€18k€13k▼
Furniture and vehicles24€18k€13k▼
Current assets29/58€43k€33k▼
Amounts receivable within one year40/41€26k€27k▲
Trade receivables40€26k€27k▲
Cash at bank and in hand54/58€16k€5k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€62k€46k▼
Equity10/15€12k€974▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€9k€-2k▼
Amounts payable17/49€51k€45k▼
Amounts payable within one year42/48€51k€45k▼
Trade debts44€20k€3k▼
Suppliers440/4€20k€3k▼
Taxes, remuneration and social security45€14k€19k▲
Taxes450/3€9k€8k▼
Remuneration and social security454/9€5k€11k▲
Other amounts payable47/48€17k€23k▲
Income statement
Code20242025
Remuneration, social security and pensions62€6k€43k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€867€8k▲
Other operating charges640/8-€664
Gross operating margin9900€19k€43k▲
Operating profit (loss)9901€12k€-8k▼
Financial income75/76B-€30
Recurring financial income75-€30
Financial charges65/66B-€3k
Recurring financial charges65-€3k
Profit (loss) for the period before taxes9903€12k€-10k▼
Income taxes67/77€3k€415▼
Profit (loss) for the period9904€9k€-11k▼
Profit (loss) for the period to be appropriated9905€9k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€-2k▼
Profit (loss) brought forward from the previous period14P-€9k
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
Next filing, fiscal year 2026, expected by
2025
29-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Londerzeel · 1 establishment unit since 2024
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.
Kloosterhof 201840 LonderzeelGround area
181 m²
Building footprint
80 m²
Volume, LiDAR
427 m³
Parcel 23080A0501/00K003, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GEM CONSULTING
since 20242.358.691.491
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23080A0501/00K003 | Flanders | 181 m² | 1 · 80 m² | 7.8 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.
Recognitions · licences · registrations
Legal Entity Identifier
98450044B93ABDC51348
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Of 16,886 companies in sector 62100 we hold annual accounts for 8,776. 954 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-04-2024
Fiscal year end30-06
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
62030Computer programming, consultancy and related activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.