GERBOSA
ActiveGERBOSA has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €92k and a net result of €-5k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 42% of 31393 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency62▼-1
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.66 against 0.62 in 2024), and 53.1% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
46.9%
Return on assets
-2.4%
Age of the figures
11 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€5k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 01-04-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
321 d late
2023
19 d early
2022
9 d early
2021
30 d early
2020
31 d early
2019
36 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
10-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€92k▼ 4.9%
2024 · €97k
2018: €70k
2019: €86k
2020: €88k
2021: €85k
2022: €98k
2023: €103k
2024: €97k
2018 → 2025
Total assets
€197k▼ 1.9%
2024 · €201k
2018: €124k
2019: €162k
2020: €180k
2021: €150k
2022: €166k
2023: €179k
2024: €201k
2018 → 2025
Net result
€-5k▲ 19.8%
2024 · €-6k
2018: €7k
2019: €16k
2020: €2k
2021: €-3k
2022: €12k
2023: €5k
2024: €-6k
2018 → 2025
Working capital
€-36k▲ 8.6%
2024 · €-39k
2018: €-32k
2019: €-20k
2020: €-30k
2021: €-26k
2022: €-2k
2023: €4k
2024: €-39k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€85k-€98k▲ 14.3%€103k▲ 5.4%€97k▼ 5.7%€92k▼ 4.9%
Operating result€-2k-€21k€11k▼ 46.5%€-3k€-151▲ 94.6%
Net result€-3k-€12k€5k▼ 56.9%€-6k€-5k▲ 19.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €151 in 2025 against €3k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €197k
Fixed assets
€128k▼ 5.9%
Current assets
€69k▲ 6.5%
Equity and liabilities €197k
Equity
€92k▼ 4.9%
Debt
€104k▲ 0.8%
The debt ratio rises from 51.7% to 53.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€8k▲
2024 · €3k
Cash flow
€3k▲
2024 · €-329
Solvency
46.9%▼
2024 · 48.3%
Current ratio
0.66▲
2024 · 0.62
Quick ratio
0.65▲
2024 · 0.61
Debt / equity
1.13▲
2024 · 1.07
ROE
-5.1%▲
2024 · -6.1%
ROA
-2.4%▲
2024 · -2.9%
Interest coverage
4.57▲
2024 · 1.76
Debt
€104k▲
2024 · €104k
Debt ≤ 1 year
€104k▲
2024 · €104k
Income taxes
€3k▲
2024 · €2k
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€201k€197k▼
Fixed assets21/28€136k€128k▼
Tangible fixed assets22/27€35k€27k▼
Plant, machinery and equipment23€3k€3k=
Furniture and vehicles24€32k€24k▼
Financial fixed assets28€101k€101k=
Current assets29/58€64k€69k▲
Stocks and contracts in progress3€1k€1k=
Stocks30/36€1k€1k=
Amounts receivable within one year40/41€60k€65k▲
Trade receivables40€55k€64k▲
Other amounts receivable41€5k€1k▼
Cash at bank and in hand54/58€2k€39▼
Deferred charges and accrued income490/1€2k€2k=
Equity and liabilities
Total equity and liabilities10/49€201k€197k▼
Equity10/15€97k€92k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€84k€84k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€82k€82k=
Profit (loss) carried forward14€-6k€-11k▼
Amounts payable17/49€104k€104k▲
Amounts payable within one year42/48€104k€104k▲
Current portion of amounts payable after more than one year42€24k€19k▼
Financial debts43-€534
Credit institutions430/8-€534
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€19k€5k▼
Taxes450/3€19k€5k▼
Other amounts payable47/48€56k€77k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€5k€9k▲
Operating profit (loss)9901€-3k€-151▲
Financial income75/76B€27€0▼
Recurring financial income75€27€0▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-4k€-2k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€-6k€-5k▲
Profit (loss) for the period to be appropriated9905€-6k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-11k▼
Profit (loss) brought forward from the previous period14P-€-6k
The notes to these accounts (4 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
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
17-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 321 days late
2024
30-09
Financial
Weakest financial yearnet €-6k ▼212%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
11-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €100kEq €103k ▲5.4%
2 profitable years in a row build equity to €103k.
21-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Highest result since 2018net €16k ▲118%
Net result €16k, the highest in the series.
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 42 days late
2018
09-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
09-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 374 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Nazareth-De Pinte · 1 establishment unit since 2009
Ground area
105 m²
Building footprint
105 m²
Volume, LiDAR
600 m³
Parcel 44079A0101/00G000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FRAGERCO
since 20092.176.477.684
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44079A0101/00G000 | Flanders | 105 m² | 1 · 105 m² | 8.6 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.
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Of 82,169 companies in sector 70200 we hold annual accounts for 52,388. 40,330 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-07-2008
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62900Other information technology and computer services
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
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82190Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.