GEMINI CONSULTING
ActiveSummary
GEMINI CONSULTING has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €770k and a net result of €288k. Equity is growing by ~25.1% per year across the filed fiscal years. Its solvency ranks better than 35% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+24
Solvency61▲+11
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 1.72 against 1.3 in 2024; short-term debt: 12.5% and cash: 7.2% of total assets), but 63.7% 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+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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
36.3%
Return on assets
13.6%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
9 d early
2024
55 d late
2023
29 d late
2022
12 d early
2021
2 d early
2020
32 d early
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€770k▲ 21.7%
2024 · €633k
2019: €88k
2020: €191k
2021: €320k
2022: €454k
2023: €567k
2024: €633k
2019 → 2025
Total assets
€2.12M▼ 15.3%
2024 · €2.50M
2019: €126k
2020: €333k
2021: €475k
2022: €569k
2023: €1.91M
2024: €2.50M
2019 → 2025
Net result
€288k▲ 335%
2024 · €66k
2019: €81k
2020: €104k
2021: €129k
2022: €122k
2023: €112k
2024: €66k
2019 → 2025
Working capital
€192k▼ 14.8%
2024 · €226k
2019: €88k
2020: €165k
2021: €280k
2022: €394k
2023: €54k
2024: €226k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€320k-€454k▲ 42.0%€567k▲ 24.8%€633k▲ 11.7%€770k▲ 21.7%
Operating result€168k-€155k▼ 7.4%€164k▲ 5.8%€111k▼ 32.6%€380k▲ 243%
Net result€129k-€122k▼ 5.1%€112k▼ 7.8%€66k▼ 41.2%€288k▲ 335%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 243% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.12M
Fixed assets
€1.66M ▲ 8.9%
Current assets
€458k ▼ 53.0%
Equity and liabilities €2.12M
Equity
€770k ▲ 21.7%
Debt
€1.35M ▼ 27.8%
Debt's share of the balance-sheet total falls from 74.7% to 63.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€435k▲
2024 · €178k
Cash flow
€342k▲
2024 · €133k
Current ratio
1.72▲
2024 · 1.30
Debt to equity
1.75▼
2024 · 2.95
ROE
37.3%▲
2024 · 10.4%
ROA
13.6%▲
2024 · 2.6%
Interest coverage
10.88▲
2024 · 4.73
Debt ≤ 1 year
€266k▼
2024 · €749k
Debt > 1 year
€1.01M▼
2024 · €1.06M
Income taxes
€95k▲
2024 · €23k
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 · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.50M€2.12M▼
Fixed assets21/28€1.53M€1.66M▲
Tangible fixed assets22/27€1.53M€1.66M▲
Land and buildings22€1.53M€1.66M▲
Furniture and vehicles24€813€317▼
Assets under construction and advance payments27€0-
Current assets29/58€975k€458k▼
Amounts receivable within one year40/41€794k€268k▼
Trade receivables40€529k€35k▼
Other amounts receivable41€265k€232k▼
Current investments50/53€80k€28k▼
Cash at bank and in hand54/58€98k€153k▲
Deferred charges and accrued income490/1€4k€9k▲
Equity and liabilities
Total equity and liabilities10/49€2.50M€2.12M▼
Equity10/15€633k€770k▲
Contributions10/11€19k€19k=
Reserves13€614k€752k▲
Distributable reserves133€614k€752k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€1.87M€1.35M▼
Amounts payable after more than one year17€1.06M€1.01M▼
Financial debts170/4€1.06M€1.01M▼
Amounts payable within one year42/48€749k€266k▼
Current portion of amounts payable after more than one year42€43k€45k▲
Trade debts44€603k€27k▼
Suppliers440/4€603k€27k▼
Taxes, remuneration and social security45€104k€194k▲
Taxes450/3€104k€194k▲
Remuneration and social security454/9€0-
Accrued charges and deferred income492/3€60k€70k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€55k▼
Other operating charges640/8€970€1k▲
Non-recurring operating charges66A€15k€0▼
Gross operating margin9900€193k€436k▲
Operating profit (loss)9901€111k€380k▲
Financial income75/76B€15k€42k▲
Recurring financial income75€15k€42k▲
Financial charges65/66B€38k€40k▲
Recurring financial charges65€38k€40k▲
Profit (loss) for the period before taxes9903€89k€382k▲
Income taxes67/77€23k€95k▲
Profit (loss) for the period9904€66k€288k▲
Profit (loss) for the period to be appropriated9905€66k€288k▲
Appropriation of the result
Profit (loss) to be appropriated9906€66k€288k▲
Transfer from equity791/2-€150k
Transfer to equity691/2€66k€288k▲
To other reserves6921€66k€288k▲
Profit to be distributed694/7-€150k
Return on contributions (dividend)694-€150k
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €288k ▲335%
Operating result €380k, net result €288k, both a record.
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
31-12
Financial
Weakest financial yearnet €66k ▼41.2%
Net result drops to €66k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Equity above €500kEq €567k ▲24.8%
5 profitable years in a row build equity to €567k.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €320k ▲67.2%
3 profitable years in a row build equity to €320k.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €191k ▲118%
2 profitable years in a row build equity to €191k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 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, Schilde · 1 establishment unit since 2019
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.
Paviljoendreef 32970 SchildeGround area
2,698 m²
Building footprint
133 m²
Volume, LiDAR
1,604 m³
Parcel 11041B0106/00B000, Flanders · tallest building 19.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Paviljoendreef 3, 2970 Schilde
since 20192.288.636.212
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041B0106/00B000 | Flanders | 2,698 m² | 1 · 133 m² | 19.5 m · 4 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.
Similar companies · same sector, comparable size
MELISSE
BE 0879.197.310
Schoten · Eq €770,244
VALERCO
BE 0478.658.475
Kontich · Eq €770,565
ELVANO IMMO
BE 0841.882.202
Lebbeke · Eq €770,152
BANAM
BE 0794.262.922
Welkenraedt · Eq €770,078
DELBA MEDICA
BE 0889.548.594
Marche-en-Famenne · Eq €770,679
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 30,628 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
Founded12-03-2019
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.