GEMA Benelux
ActiveGEMA Benelux has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €273k and a net result of €-8k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 95% of 2672 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-1
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 41.16 against 58.93 in 2024), and 2.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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 →
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
20 d early
2023
19 d early
2022
4 d late
2021
11 d early
2020
90 d late
2019
48 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€273k▼ 2.9%
2024 · €281k
2018: €68k
2019: €115k
2020: €170k
2021: €229k
2022: €259k
2023: €280k
2024: €281k
2018 → 2025
Total assets
€280k▼ 2.2%
2024 · €286k
2018: €265k
2019: €264k
2020: €301k
2021: €351k
2022: €364k
2023: €293k
2024: €286k
2018 → 2025
Net result
€-8k
2024 · €719
2018: €22k
2019: €47k
2020: €56k
2021: €59k
2022: €30k
2023: €21k
2024: €719
2018 → 2025
Working capital
€273k▼ 2.9%
2024 · €281k
2018: €89k
2019: €176k
2020: €187k
2021: €250k
2022: €255k
2023: €280k
2024: €281k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€229k-€259k▲ 13.3%€280k▲ 8.2%€281k▲ 0.3%€273k▼ 2.9%
Operating result€81k-€43k▼ 47.0%€28k▼ 34.8%€2k▼ 92.0%€-6k
Net result€59k-€30k▼ 48.2%€21k▼ 30.4%€719▼ 96.6%€-8k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €2k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €280k
Fixed assets
€327▲ 8.6%
Current assets
€279k▼ 2.2%
Equity and liabilities €280k
Equity
€273k▼ 2.9%
Debt
€7k▲ 40.0%
The debt ratio rises from 1.7% to 2.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-6k▼
2024 · €3k
Cash flow
€-8k▼
2024 · €1k
Solvency
97.6%▼
2024 · 98.3%
Current ratio
41.16▼
2024 · 58.93
Quick ratio
41.16▼
2024 · 58.93
Debt / equity
0.02▲
2024 · 0.02
ROE
-3.0%▼
2024 · 0.3%
ROA
-2.9%▼
2024 · 0.3%
Interest coverage
-2.40▼
2024 · 2.05
Debt
€7k▲
2024 · €5k
Debt ≤ 1 year
€7k▲
2024 · €5k
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€286k€280k▼
Fixed assets21/28€301€327▲
Intangible fixed assets21€301-
Financial fixed assets28-€327
Current assets29/58€286k€279k▼
Amounts receivable within one year40/41€207k€192k▼
Trade receivables40€9k-
Other amounts receivable41€199k€192k▼
Cash at bank and in hand54/58€78k€87k▲
Equity and liabilities
Total equity and liabilities10/49€286k€280k▼
Equity10/15€281k€273k▼
Contributions10/11€100k€100k=
Reserves13€181k€173k▼
Distributable reserves133€181k€173k▼
Amounts payable17/49€5k€7k▲
Amounts payable within one year42/48€5k€7k▲
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€369-
Taxes450/3€369-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€300€301▲
Other operating charges640/8€387€400▲
Gross operating margin9900€3k€-5k▼
Operating profit (loss)9901€2k€-6k▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€989€-8k▼
Income taxes67/77€269-
Profit (loss) for the period9904€719€-8k▼
Profit (loss) for the period to be appropriated9905€719€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€719€-8k▼
Transfer from equity791/2-€8k
Transfer to equity691/2€719-
To other reserves6921€719-
The notes to these accounts (10 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-8k ▼1232%
Net result drops to €-8k, the lowest in the series.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 58.93
Current ratio from 23.58 to 58.93; short-term debt falls from €12k to €5k.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity times 7current ratio 23.58
Current ratio from 3.44 to 23.58; short-term debt falls from €105k to €12k.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 4 days late
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €59k ▲5.3%
Operating result €81k, net result €59k, both a record.
31-12
Financial
Equity above €200kEq €229k ▲34.4%
4 profitable years in a row build equity to €229k.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 90 days late
2020
31-12
Financial
Equity above €150kEq €170k ▲48.5%
3 profitable years in a row build equity to €170k.
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 48 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 3.94
Current ratio from 1.74 to 3.94; short-term debt falls from €120k to €60k.
31-12
Financial
Equity above €100kEq €115k ▲69.4%
2 profitable years in a row build equity to €115k.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 61 days late
2018
13-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 105 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Machelen (Brab.) · 1 establishment unit since 2015
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.
Leonardo da Vincilaan 191831 Machelen (Brab.)Ground area
161 m²
Parcel 23015B0320/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
GEMA Benelux
since 20152.246.273.441
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23015B0320/00D000indicative | Flanders | 161 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel 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
CLIC IT Consulting
BE 0849.929.935
Namur · Eq €273k
SAFOX
BE 0837.061.795
Hasselt · Eq €272k
NOVOMINE
BE 0508.700.068
Braine-l'Alleud · Eq €274k
Total Data Software Solutions
BE 0777.855.569
Hoogstraten · Eq €274k
Care-Ace
BE 0433.299.196
Antwerpen · Eq €272k
Of 16,807 companies in sector 62100 we hold annual accounts for 8,747. 6,251 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2015
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.