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Generated 13-08-2026
Active BE 0400.112.726Public limited company

Gena

Karmenhoekstraat 2 ·9850 Deinze, Belgium· 102 yrs active
Sector: Activiteiten van holdings (64210)
Conclusion Checked

Gena is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €1.54M and a net result of €125k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 84% of 3139 sector peers (fiscal year 2024). The company has been active since 1923 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.
Key figures
Equity €1.54M
Net result €125k
Better than sector 84%
Active 102 yrs
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health-Profitability41Solvency100Growth78Stability100
80 / 100

Strong profile, led by solvency.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 41
Solvency 100
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1923, 102 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer
Model not applicable to financial institutions
The health 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.
Financial overview10 NBB filings
Annual accounts filed on 26-08-2025 with the NBB · fiscal year 2024 · micro
€-100k€0€100k€200kOperating result 2020: €-34k€-34kNet result 2020: €-95k€-95kOperating result 2021: €108k€108kNet result 2021: €52k€52kOperating result 2022: €229k€229kNet result 2022: €137k€137kOperating result 2023: €127k€127kNet result 2023: €9k€9kOperating result 2024: €173k€173kNet result 2024: €125k€125k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~7.5%/year over 6 fiscal years, indicative, assuming unchanged policy.
€500k€1.00M€1.50M€2.00M2025: €1.67M (€1.55M - €1.79M)2026: €1.79M (€1.67M - €1.92M)2027: €1.93M (€1.76M - €2.09M)2018: €537k2020: €1.21M2021: €1.26M2022: €1.40M2023: €1.41M2024: €1.54M201820202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 82.1% 52.5%
better than 84% of 3139 sector peers
Net result €125k €32k
better than 87% of 3135 sector peers
Equity €1.54M €75k
better than 95% of 3140 sector peers
Gross operating margin €267k €52k
better than 94% of 3132 sector peers
Total assets €1.87M €192k
better than 94% of 3141 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€125k
+1216.8% 18-24
Total assets
€1.87M
+4.5% 18-24
Equity
€1.54M
+8.9% 18-24
Income taxes
€42k
+200.9% 18-24
Debt
€188k
-19.0% 18-24
Debt ≤ 1y
€107k
-9.1% 18-24
Debt > 1y
€81k
-29.2% 18-24
Solvency
82.1%
+4.2% 18-24
ROE
8.1%
+1109.7% 18-24
ROA
6.7%
+1159.9% 18-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€125k
Cash flown/a
Staff costs-
Income taxes€42k
Dividends-
Total assets€1.87M
Equity€1.54M
Debt€188k
of which ≤ 1y€107k
of which > 1y€81k
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency82.1%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA6.7%
ROE8.1%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€1.87M
Fixed assets 21/28€1.61M
Tangible fixed assets 22/27€965k
Financial fixed assets 28€646k
Current assets 29/58€258k
Amounts receivable within one year 40/41€58k
Cash & bank 54/58€198k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1.87M
Equity 10/15€1.54M
Contributions / capital 10/11€510k
Reserves 13€285k
Provisions & deferred taxes 16€145k
Amounts payable 17/49€188k
Amounts payable after one year 17€81k
Amounts payable within one year 42/48€107k
Trade debts payable within one year 44€94k
Income statement
Gross operating margin 9900€267k
Operating result 9901€173k
Financial income 75€929
Financial charges 65€7k
Result before taxes 9903€167k
Income taxes 67/77€42k
Net result for the period 9904€125k
Result to be appropriated 9905€125k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 1 directors
Former directors (1)
  • De Pauw Marie-Thérèse
    Managing director
    State Gazette act 24113036 (25-07-2024)
    Former
    - → 01-01-2024
    2 events
    • 01-01-2024 Resigned· Managing director
    • 01-01-2024 Resigned· Director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Activiteiten van holdings(64210)
Legal form Public limited company(014)
Incorporation02-12-1923
StatusActive
Postal code9850
Establishment units 1 location
Karmenhoekstraat 2, 9850 Deinze
Holdings
since 19242.012.423.861
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44027A0579/00D000 Flanders 2,120 m² 1 · 158 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
26-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
30-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
25-07-2024
State Gazette act Director changes
2023
29-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
29-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
15-09-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
29-09-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
11-08-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
26-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
10-08-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
10-08-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2024
25-07-2024 2 resigning, 3 reappointed Director changes
  • De Pauw Marie-Thérèse, Gedelegeerd bestuurder
  • De Pauw Marie-Thérèse, Bestuurder
  • Armand Vanden Bogaerde, Bestuurder
  • Arne Vanden Bogaerde, Bestuurder
  • Karel Vanden Bogaerde, Bestuurder
Technical details 
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Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Adviesbureaus op het gebied van public relations en communicatie70210Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300
Primary activity highlighted.
Names & trade names
Legal nameNL Gena
Registered office
Karmenhoekstraat 2
9850 Deinze, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative