Summary
Gena is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.7m and a net result of €121,239. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 89% of 5587 sector peers (fiscal year 2025). The company has been active since 1923 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-09-2026, 38 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
38 d late
2024
26 d late
2023
30 d late
2022
29 d late
2021
29 d late
2020
46 d late
2019
60 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 37 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 29 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#1 oldest company in Deinze, Finance and insurance sector
Equity
€1.7m▲ 7.9%
2024 · €1.5m
Net result
€121,239▼ 2.9%
2024 · €124,813
Total assets
€1.8m▼ 6.0%
2024 · €1.9m
Solvency
94.3%▲ 12.1pp
2024 · 82.1%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€108,269€229,462▲ 112%€127,468▼ 44.4%€173,052▲ 35.8%€284,314▲ 64.3%
Net result€51,804within the sector's middle half€136,552above the sector's middle half▲ 164%€9,479within the sector's middle half▼ 93.1%€124,813above the sector's middle half▲ 1,217%€121,239within the sector's middle half▼ 2.9%
Equity€1.3mabove the sector's middle half▲ 4.3%€1.4mabove the sector's middle half▲ 10.8%€1.4mabove the sector's middle half▲ 0.7%€1.5mabove the sector's middle half▲ 8.9%€1.7mwithin the sector's middle half▲ 7.9%
Total assets€1.9mabove the sector's middle half▼ 1.6%€2.1mabove the sector's middle half▲ 5.8%€1.8mabove the sector's middle half▼ 12.8%€1.9mabove the sector's middle half▲ 4.5%€1.8mwithin the sector's middle half▼ 6.0%
Debt€674,393▼ 10.9%€535,475▼ 20.6%€232,563▼ 56.6%€188,437▼ 19.0%€54,982▼ 70.8%
Working capital€5,857within the sector's middle half€407,634above the sector's middle half▲ 6,859%€66,328within the sector's middle half▼ 83.7%€150,209within the sector's middle half▲ 126%€178,468within the sector's middle half▲ 18.8%
Solvency65.2%within the sector's middle half▲ 3.6pp68.3%within the sector's middle half▲ 3.1pp78.9%above the sector's middle half▲ 10.6pp82.1%above the sector's middle half▲ 3.3pp94.3%above the sector's middle half▲ 12.1pp
Current ratio1.04within the sector's middle half▲ 0.676.01above the sector's middle half▲ 4.971.56within the sector's middle half▼ 4.452.40within the sector's middle half▲ 0.844.25above the sector's middle half▲ 1.85
Return on assets (ROA)2.7%within the sector's middle half▲ 7.1pp6.7%within the sector's middle half▲ 4.0pp0.5%below the sector's middle half▼ 6.1pp6.7%within the sector's middle half▲ 6.1pp6.9%within the sector's middle half▲ 0.2pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 64% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.8m
Fixed assets
€1.5m ▼ 5.4%
Current assets
€233,451 ▼ 9.4%
Equity and liabilities €1.8m
Equity
€1.7m ▲ 7.9%
Provisions
€45,790 ▼ 68.5%
Debt
€54,982 ▼ 70.8%
Debt's share of the balance-sheet total falls from 10.1% to 3.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
7.3%▼
2024 · 8.1%
Debt ≤ 1 year
€54,982▼
2024 · €107,468
Income taxes
€74,546▲
2024 · €42,159
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €183,159 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €103,908 | €71,111 | €68,848 | €86,105 | €87,687 | ▲ 1.8% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | €68,788 | €30,910 | - | -€99,698 | - |
| Other operating charges640/8 | €4,110 | €4,537 | €7,324 | €7,639 | €5,099 | ▼ 33.2% |
| Gross operating margin9900 | €216,287 | €373,898 | €234,550 | €266,795 | €277,402 | ▲ 4.0% |
| Operating profit (loss)9901 | €108,269 | €229,462 | €127,468 | €173,052 | €284,314 | ▲ 64.3% |
| Financial income75/76B | €1 | €1 | €638 | €929 | €1,279 | ▲ 37.6% |
| Recurring financial income75 | €1 | €1 | €638 | €929 | €1,279 | ▲ 37.6% |
| Financial charges65/66B | €36,066 | €35,752 | €104,615 | €7,008 | €89,807 | ▲ 1,181% |
| Recurring financial charges65 | €36,066 | €35,752 | €19,376 | €7,008 | €711 | ▼ 89.9% |
| Non-recurring financial charges66B | - | - | €85,239 | - | €89,096 | - |
| Profit (loss) for the period before taxes9903 | €72,204 | €193,712 | €23,490 | €166,973 | €195,785 | ▲ 17.3% |
| Transfer to deferred taxes680 | - | €45,790 | - | - | - | - |
| Income taxes67/77 | €20,400 | €11,370 | €14,011 | €42,159 | €74,546 | ▲ 76.8% |
| Profit (loss) for the period9904 | €51,804 | €136,552 | €9,479 | €124,813 | €121,239 | ▼ 2.9% |
| Transfer to tax-exempt reserves689 | - | €137,369 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €51,804 | -€817 | €9,479 | €124,813 | €121,239 | ▼ 2.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.9m | €2.1m | €1.8m | €1.9m | €1.8m | ▼ 6.0% |
| Fixed assets21/28 | €1.8m | €1.6m | €1.6m | €1.6m | €1.5m | ▼ 5.4% |
| Tangible fixed assets22/27 | €1.1m | €915,753 | €957,624 | €965,204 | €877,517 | ▼ 9.1% |
| Land and buildings22 | €1.1m | €912,926 | €928,061 | €903,862 | €830,610 | ▼ 8.1% |
| Plant, machinery and equipment23 | - | - | - | €7,056 | €6,348 | ▼ 10.0% |
| Furniture and vehicles24 | - | €2,828 | €29,563 | €54,286 | €40,559 | ▼ 25.3% |
| Financial fixed assets28 | €645,062 | €646,062 | €646,062 | €646,062 | €646,062 | = |
| Current assets29/58 | €153,338 | €488,964 | €184,570 | €257,677 | €233,451 | ▼ 9.4% |
| Amounts receivable within one year40/41 | €12,893 | €17,981 | €26,666 | €57,601 | €20,363 | ▼ 64.6% |
| Trade receivables40 | €10,229 | €8,981 | €2,486 | €31,298 | €11,079 | ▼ 64.6% |
| Other amounts receivable41 | €2,663 | €9,000 | €24,180 | €26,303 | €9,283 | ▼ 64.7% |
| Cash at bank and in hand54/58 | €133,602 | €468,831 | €155,822 | €198,225 | €212,496 | ▲ 7.2% |
| Deferred charges and accrued income490/1 | €6,843 | €2,152 | €2,082 | €1,851 | €592 | ▼ 68.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.9m | €2.1m | €1.8m | €1.9m | €1.8m | ▼ 6.0% |
| Equity10/15 | €1.3m | €1.4m | €1.4m | €1.5m | €1.7m | ▲ 7.9% |
| Contributions10/11 | €510,000 | €510,000 | €510,000 | €510,000 | €510,000 | = |
| Capital10 | €510,000 | €510,000 | €510,000 | €510,000 | €510,000 | = |
| Issued capital100 | €510,000 | €510,000 | €510,000 | €510,000 | €510,000 | = |
| Revaluation surpluses12 | €740,000 | €740,000 | €740,000 | €740,000 | €740,000 | = |
| Reserves13 | €57,829 | €195,198 | €195,198 | €285,019 | €406,258 | ▲ 42.5% |
| Non-distributable reserves130/1 | €39,207 | €39,207 | €39,207 | €43,707 | €49,807 | ▲ 14.0% |
| Legal reserve130 | €39,207 | €39,207 | €39,207 | €43,707 | €49,807 | ▲ 14.0% |
| Tax-exempt reserves132 | €18,622 | €155,991 | €155,991 | €155,991 | €155,991 | = |
| Distributable reserves133 | - | - | - | €85,321 | €200,460 | ▲ 135% |
| Profit (loss) carried forward14 | -€43,655 | -€44,472 | -€34,993 | - | - | - |
| Provisions and deferred taxes16 | - | €114,578 | €145,488 | €145,488 | €45,790 | ▼ 68.5% |
| Provisions for liabilities and charges160/5 | - | €68,788 | €99,698 | €99,698 | - | - |
| Environmental obligations163 | - | €68,788 | €99,698 | - | - | - |
| Other liabilities and charges164/5 | - | - | - | €99,698 | - | - |
| Deferred taxes168 | - | €45,790 | €45,790 | €45,790 | €45,790 | = |
| Amounts payable17/49 | €674,393 | €535,475 | €232,563 | €188,437 | €54,982 | ▼ 70.8% |
| Amounts payable after more than one year17 | €526,913 | €454,145 | €114,321 | €80,968 | - | - |
| Financial debts170/4 | €526,913 | €454,145 | €114,321 | €80,968 | - | - |
| Amounts payable within one year42/48 | €147,480 | €81,330 | €118,242 | €107,468 | €54,982 | ▼ 48.8% |
| Current portion of amounts payable after more than one year42 | €21,276 | €21,502 | €5,248 | - | - | - |
| Trade debts44 | €4,023 | €2,763 | €44,300 | €93,790 | €30,167 | ▼ 67.8% |
| Suppliers440/4 | €4,023 | €2,763 | €44,300 | €93,790 | €30,167 | ▼ 67.8% |
| Taxes, remuneration and social security45 | €81,188 | €56,699 | €7,519 | €13,313 | €24,450 | ▲ 83.6% |
| Taxes450/3 | €81,188 | €56,699 | €7,519 | €13,313 | €24,450 | ▲ 83.6% |
| Other amounts payable47/48 | €40,993 | €365 | €61,175 | €365 | €365 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €51,804 | €136,552 | €9,479 | €124,813 | €121,239 | ▼ 2.9% |
| + Depreciation and write-downs630 | €103,908 | €71,111 | €68,848 | €86,105 | €87,687 | ▲ 1.8% |
| Operating cash flow (approximation) | €155,712 | €207,662 | €78,327 | €210,919 | €208,926 | ▼ 0.9% |
| Investment in fixed assets (approximation) | - | €152,304 | -€110,719 | -€93,685 | €0 | ▲ 100% |
| Change in cash | - | €335,229 | -€313,009 | €42,403 | €14,271 | ▼ 66.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 38 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Highest result since 2018net €136,552 ▲164%
Net result €136,552, the highest in the series.
31-12
Financial
Liquidity times 6current ratio 6.01
Current ratio from 1.04 to 6.01; short-term debt falls from €147,480 to €81,330.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €51,804
Net result €51,804 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.04
Current ratio from 0.37 to 1.04; short-term debt falls from €256,792 to €147,480.
15-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 46 days late
2020
31-12
Financial
Weakest financial yearnet -€86,565
Net result drops to -€86,565, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €1mEq €1.2m ▲117%
Equity rises from €558,935 to €1.2m.
Show earlier events
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
11-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 11 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Deinze · 1 establishment unit since 1924
Ground area
2,120 m²
Building footprint
159 m²
Parcel 44027A0579/00D000, Flanders. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Karmenhoekstraat 2, 9850 Deinze
since 19242.012.423.861
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44027A0579/00D000 | Flanders | 2,120 m² | 1 · 158 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holding · 2 subsidiaries in the treeOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
99%
All subsidiaries, including indirect ones 2
Companies in which this company or one of its subsidiaries holds more than half, or which it consolidates according to the LEI register.
NESTOR COMPANY 99%1 subsidiary
- Nestor CompanyNL 100%
According to the 2025 annual accounts of Gena and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Legal Entity Identifier
254900MAELK156G9M776
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 11,483 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded02-12-1923
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
73300Public relations and communication consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0400112726
Also
9925:BE0400112726
Registered
22-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.