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Gest'Com

Active Private limited companyfounded 2019active for 7 yearsKBO/BCE: BE 0723.835.477
Gest'Com
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Overview

Lifetime

6 annual accounts with figures on one time axis
peak €90,230 (2024)
€90,230▲ 49.0%
peak €31,917 (2022)
€19,921▼ 18.9%
peak €132,699 (2024)
€132,699▲ 17.7%
€178,131▼ 0.9%
peak 1 FTE (2024)
1 FTE 
Board1 name since 2021
1 directorCorinne MALOIR
Documentsfilings and deeds
02-09-2026398 days late
2024financial year
Turnover from €131,790 to €178,159Gross margin from €60,540 to €90,230Change of role: Corinne MALOIR, from manager to director 04-01Equity from €112,778 to €132,699Cash from €14,261 to €900

Key points

from the 2024 annual accounts

Overdue debts

€16,698 on 31-12-2024
Overdue tax debts
€11,923
Overdue social security (RSZ) debts
€4,775

The annual accounts state €11,923 of overdue tax debts and €4,775 of overdue social security (RSZ) debts on 31-12-2024.

Payment terms

20 days to suppliers
Suppliers
49 to 20
Customers
71 to 32

Gest'Com pays its suppliers 29 days earlier than in 2023. Customers pay 39 days earlier.

Filings

6 annual accounts 101 days past the deadline
AprilJune31 JulyOctober202020222024

2025 accounts not filed: deadline was 31-07-2026.

Checked score

48
Fair
Financially stronger than 43% of micro companies in legal and accounting (NACE 69)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
4.1% Elevated
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: < 0.1% across 20,107 companies (NACE 69, micro).

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 3.9% 01-2025: 5.0%▲ +1.1 percentage points vs 12-2024 02-2025: 5.0%● unchanged vs 01-2025 03-2025: 5.3%▲ +0.3 percentage points vs 02-2025 04-2025: 4.8%▼ -0.5 percentage points vs 03-2025 05-2025: 4.8%● unchanged vs 04-2025 06-2025: 4.7%▼ -0.1 percentage points vs 05-2025 07-2025: 4.7%● unchanged vs 06-2025 08-2025: 6.2%▲ +1.5 percentage points vs 07-2025 09-2025: 6.2%● unchanged vs 08-2025 10-2025: 6.2%● unchanged vs 09-2025 11-2025: 6.2%● unchanged vs 10-2025 12-2025: 6.6%▲ +0.4 percentage points vs 11-2025 01-2026: 6.6%● unchanged vs 12-2025 02-2026: 6.6%● unchanged vs 01-2026 03-2026: 6.6%● unchanged vs 02-2026 04-2026: 6.6%● unchanged vs 03-2026 05-2026: 6.6%● unchanged vs 04-2026 06-2026: 6.6%● unchanged vs 05-2026highest value 07-2026: 3.3%▼ -3.3 percentage points vs 06-2026lowest value 08-2026: 5.0%▲ +1.7 percentage points vs 07-2026 09-2026: 5.0%● unchanged vs 08-2026 10-2026: 4.1%▼ -0.9 percentage points vs 09-2026 11-2026: 4.1%● unchanged vs 10-2026

Financial strength
Strong

68+4equity 42.7% of total assets
41-7short-term debt 25.0% · cash 0.3%
85-1return on assets 6.4%

Score breakdown

raises risk
1 financial year not filed after the legal deadline; last filed accounts filed 398 days late; 3 of the last 3 accounts late
Figures for financial year 2024 (filed on 02-09-2026)
Liquidity: current ratio 2.05, cash €900, halved
lowers risk
Sector: Legal and accounting activities (NACE 69)
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro). It does better than 40% of them on solvency, 16% on liquidity, 42% on profitability and 75% on growth.

The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2024.

Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 26,972 companies had the same profile as Gest'Com has now. Each dot stands for 68 companies, two years later.

94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of Gest'Com itself is higher: 4.1% within 12 months. It rests on far more data about Gest'Com than the profile alone.

Test of the method

The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 26,972 companies, not a prediction for Gest'Com. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €6,000 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms

Liquidity is ample, with a current ratio of 2.05 (1.82 in 2023), above the usual 1.5. Short-term debt is 25% and cash 0.3% of total assets. However, 57.3% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
raises risk · 1 financial year not filed after the legal deadline; last filed accounts filed 398 days late; 3 of the last 3 accounts late
NBB · filings
raises risk · Figures for financial year 2024 (filed on 02-09-2026)
NBB · annual accounts
raises risk · Liquidity: current ratio 2.05, cash €900, halved
NBB · annual accounts
lowers risk · Sector: Legal and accounting activities (NACE 69)
KBO
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 101 days later.
NBB · 6 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline09-11-2026 today
raises risk · 2024 accounts filed 398 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-09-2026, 398 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 6 filings
Deviation from the deadline
2025
not filed
2024
398 days late
2023
669 days late
2022
112 days late
2021
31 days late
2020
153 days late
2019
91 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 242 days after the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

CM
Corinne MALOIR
Director
Board & ownership

Recent changes

Change of role: Corinne MALOIR, from manager to director “Les activités d’un expert-comptable fiscaliste ainsi que l'exercice de toutes les activités jugées compatibles…” (deed in French) · General meeting of 27-12-2023 · Gazette deed
Incorporation published on 02-04-2019 · Gazette deed
First establishment
All 11 events

Comparable companies

same main activity, similar in size and age
Company
Gest'Com €310,830 €90,230 42.7% 1
STIMAA-PEETERS Maasmechelen €258,746 €97,208 11.4% 1.3
BDM BOEKHOUDING & FISCALITEIT Haaltert €329,786 €111,128 44.8% 1
S&T Accompany Lummen €274,570 €156,814 85.7% 0.8
SODEFCO La Bruyère €207,043 €131,798 21.3% 1
COGITA Bruges €212,912 €147,314 9.0% 1.6
SARCASM Mont-Saint-Guibert €615,729 €99,863 31.1% 0.9

These companies have the same main activity as Gest'Com: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €207,000 and €616,000, founded between 2016 and 2021.

Official details

Source: KBO
Status
Active since 29-03-2019Normal situation
Legal form
Private limited company
Activity
Certified accountants and tax accountantsNACE 69201and 1 other
Establishment unit
2.293.263.211since 29-03-2019
Financial year end
31 December
Peppol
Reachable
Company details

Annual accounts 2024

€178,159▲ 35.2%
€19,921▼ 18.9%
€132,699▲ 17.7%
€310,830▲ 6.2%
Employeeson 31-12-2024
1
Filing
Filed on 02-09-2026
Financials

Insights on Gest'Com

Gest'Com has existed since 2019. The gross margin grew from €31,724 in 2019 to €90,230 in 2024.

The gross margin has grown every year since 2019.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2024

full format, filed on 02-09-2026, 398 days late

2025 annual accounts not yet filed, deadline passed on 31 July 2026 The financial year closed on 31 December 2025. The accounts are due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 9 November 2026.

€178,159
▲ 35.2%
€44,556
▲ 3.8%
€60,991
▲ 3.7%
€36,356
▼ 10.1%
42.7%
▲ 4.1 percentage points
2.05
▲ 0.23

Money flows

of every €100 of turnover, €11.18 remains as profit in 2024

Balance sheet

balance sheet total €310,830 on 31-12-2024
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

42.7%

Higher than 58% of 1,714 companies in 2024.

2.05

Higher than 66% of 1,696 companies in 2024.

6.4%

Higher than 37% of 1,697 companies in 2024.

Gest'Com Middle half of the sector 80% of the sector Full accounts in legal and accounting (NACE 69)

Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half · Staff: bottom quarter

Staff

€27,748

Staff costs divided by the average number of full-time equivalents.

+1 person

people who joined people who left

In 2024, 1 person joined and nobody left.

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202420232022202120202019
Balance sheet: assets
20/58 310,830292,565295,481263,372258,531258,487
21/28 151,179166,509180,925197,026216,808244,742
21 34,00042,00050,00058,00066,00074,000
22/27 116,482124,129130,750138,851150,633170,742
22 115,150122,950130,750138,550149,126168,029
23 7631,179-2131,0661,920
24 569--88441793
28 697380175175175-
29/58 159,651126,056114,55666,34541,72313,745
40/41 150,331106,979108,41166,28539,25111,547
40 15,59625,6768,8999,29714,56211,547
41 134,73581,30399,51356,98824,688-
54/58 90014,261558602,4722,198
490/1 8,4214,8165,587---
Balance sheet: equity and liabilities
10/49 310,830292,565295,481263,372258,531258,487
10/15 132,699112,77882,01850,10129,29416,164
10/11 18,60018,60012,40012,40012,40012,400
100 -----18,600
101 -----6,200
11 18,60018,600----
1109/19 18,60018,600----
14 114,09994,17869,61837,70116,8943,764
17/49 178,131179,787213,464213,271229,236242,323
17 100,314110,586135,227157,412181,564193,523
170/4 100,314110,586135,227157,412181,564193,523
42/48 77,81769,20178,23655,85946,84448,800
42 13,60624,64133,53524,15223,82823,658
44 5,0969,5667,0336,1566,8356,313
440/4 5,0969,5667,0336,1566,8356,313
45 59,11534,99337,66825,55016,18218,233
450/3 54,34034,99337,66825,55016,18218,233
454/9 4,775-----
47/48 -----596
492/3 ----828-
Income statement
70 178,159131,790----
9900 90,23060,54060,40060,06654,49331,724
60/61 94,48171,587----
62 27,748-----
630 16,43515,86916,10119,78228,10921,651
640/8 1,4921,7451,3511,7714,854637
66A ----75-
9901 44,55642,92542,94838,51421,4559,436
75/76B 8,4214,3765,587---
75 8,4214,3765,587---
65/66B 3,8849,2354,69510,5603,9133,548
65 3,8849,2354,69510,5603,9133,548
9903 49,09238,06643,84027,95317,5425,889
67/77 29,17113,50611,9237,1474,4112,125
9904 19,92124,56031,91720,80713,1303,764
9905 19,92124,56031,91720,80713,1303,764
Appropriation of the result
9906 114,09994,17869,61837,70116,8943,764
14P 94,17869,61837,70116,894--
Social balance sheet
9087 10----
Hours worked1013 1,360-----
Document PDFPDFPDFPDFPDFPDF

The notes to these accounts have 25 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2024 at the NBB, filed on 02-09-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2024 full format 02-09-2026 2026-00492937 PDF
31-12-2023 full format 31-05-2026 2026-00139322 PDF
31-12-2022 micro format 20-11-2023 2023-00513375 PDF
31-12-2021 micro format 31-08-2022 2022-20417778 PDF
31-12-2020 micro format 31-12-2021 2021-82500191 PDF
31-12-2019 micro format 30-10-2020 2020-65100203 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202420232022202120202019
60,99158,79459,05058,29549,56431,088
36,35640,43048,01840,58841,24025,415
1,1051,45300175266,394
-13,36113,703498-2,411274-
81,83456,85536,32010,487-5,122-35,055
25.0%32.6%----
42.7%38.5%27.8%19.0%11.3%6.3%
2.051.821.461.190.890.28
1.341.592.604.267.8314.99
15.0%21.8%38.9%41.5%44.8%23.3%
6.4%8.4%10.8%7.9%5.1%1.5%
15.706.3712.585.52--
32 days71 days----
20 days49 days----

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Social balance sheet

Item31-12-2024
Employees at the balance-sheet date1
full-time1
in full-time equivalents1
0.7
On a permanent contract1
Joined1
Left0

Source: social balance sheet in the 2024 annual accounts

Overdue debts

tax and social security
Item2024202320222021
Overdue tax debts€11,923€11,923--
Overdue social security (RSZ) debts€4,775---

Source: notes to the 2021 to 2024 annual accounts (statement of debts)

Securities and guarantees

on own assets and for others
Item2024202320222021
Debts secured on the company's own assets€135,227€135,227--
Debts guaranteed by Belgian public bodies€64,212---
Mortgages, amount registered€176,000€176,000--
Carrying value of the mortgaged assets€115,150€122,950--

Source: notes to the 2021 to 2024 annual accounts (statement of debts and off-balance-sheet rights and commitments)

Investments

fixed assets acquired
Item2024202320222021
Tangible fixed assets€788€1,248--
Financial fixed assets€317€205--
€16,435€15,869€16,101€19,782

Source: notes to the 2021 to 2024 annual accounts (statement of fixed assets)

Insights on Gest'Com

The operating result for 2024 is 4% higher than in 2023 and the highest since 2019. It is a recovery after the fall in 2023.

Debt's share of the balance-sheet total falls from 61.5% to 57.3%. Equity is higher and debt is lower.

Board & ownership

Board

1 director, last change in 2024
Corinne MALOIR
Director (not named in the articles)
appointed by deed of 04-01-2024 term without a fixed end
earlier manager, until 04-01-2024
listed in the 2022 annual accounts, filed on 20-11-2023

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
Corinne MALOIR
Director (not named in the articles)
BoardEarliermandate already running before its first mention
Mandates as a list
  • Corinne MALOIR
    • Director (not named in the articles), since before 31-12-2021
    • Manager, until 04-01-2024

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€18,600
Source
deed of 04-01-2024

Articles of association

deed of 04-01-2024 (in French)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
At least 1 director
“Fixe ou proportionnelle, assemblée générale à majorité absolue des voix ou actionnaire unique”
“Présence et majorité requises par la loi, assemblée générale”
Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
“Moitié cédant moitié acquéreurs proportionnellement actions, écrit par pli recommandé”

Network & group

No group

Gest'Com has no parent and no holdings in its annual accounts. Corinne MALOIR is the only director. Gest'Com shares no director with another company.

At the same address

1 other company
Association des Copropriétaires de la Résidence à Liège Résidence TK Blonden à 4000 Liège, Avenue Blonden 3
registered office since 30-01-2019
 founded in 2019
0719.624.984

Timeline

Timeline

11 events since 2019
2026
Annual accounts 2024 filed NBBfull format · 398 days late
Annual accounts 2023 filed PDFfull format · 669 days late
2024
Change of role: Corinne MALOIR, from manager to director“Les activités d’un expert-comptable fiscaliste ainsi que l'exercice de toutes les activités jugées compatibles…” (deed in French) · General meeting of 27-12-20236 points ▸
  • General meeting, 27-12-2023
  • Purpose change, “Les activités d’un expert-comptable fiscaliste ainsi que l'exercice de toutes les activités jugées compatibles par l’Institut en raison de cette qualité” (deed in French)
  • 100 shares
  • Director resignation, Corinne MALOIR (manager)
  • Director appointment, Corinne MALOIR (director (not named in the articles))
  • Registered office clause, Avenue Blonden 3 boite 1, 4000 Liège
  • The deed holds 3 more points.

Open the deed in the Belgian Official Gazette

2023
Equity above €100,000 equity €112,778 ▲37.5% With a profit in every financial year since 2019, equity grows to €112,778.
Annual accounts 2022 filed PDFmicro format · 112 days late
2022
Highest result from 2019 to 2024 net €31,917 ▲53.4% The net result of €31,917 is the highest of those years.
Annual accounts 2021 filed PDFmicro format · 31 days late
2021
Annual accounts 2020 filed PDFmicro format · 153 days late
2020
Annual accounts 2019 filed PDFmicro format · 91 days late
2019
Incorporation PDFpublished on 02-04-2019
First establishment

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 29 March 2019, Gest'Com was incorporated.1 Total assets went from €258,487 in 2019 to €310,830 in 2024.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2019 and 2024

Company details

Identity

Enterprise number
0723.835.477
VAT number
BE 0723.835.477
Peppol ID
0208:0723835477
Other Peppol ID
9925:BE0723835477
Legal form
Private limited company
Status
Active, normal situation
Founded
29-03-2019
Financial year
ends on 31 December
Peppol
Reachable via PeppolFollow this company and you will hear the next morning if it leaves the Peppol register.
Name
Gest'Com in French
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 04-01-2024 (in French)

Activities

NACEBEL 2025
VAT activities
69201 Certified accountants and tax accountants main activity
70200 Business and other management consultancy
Social security (RSZ) activities
69201 Certified accountants and tax accountants main activity
Codes under NACEBEL 2008
VAT activities
69202 Legal and accounting activities main activity
70220 Business consulting
Social security (RSZ) activities
69202 Legal and accounting activities main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“Les activités d’un expert-comptable fiscaliste ainsi que l'exercice de toutes les activités jugées compatibles par l’Institut en raison de…”
deed of 04-01-2024 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Gest'Com 29-03-2019 2.293.263.211

Buildings and parcels at the address

Ground area
102 m²
Buildings
77 m²
Volume, LiDAR
1,633 m³
Tallest building
23.1 m
Buildings to scale, each on its own parcel
77 m², 23.1 m 77 m², 23.1 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
62805B0476/00S027
ProtectedArchitectural ensembleImmeubles n°s 3, 5, 9, 11, 13, 15, 17, 19, 21, 6, 8, 10, 12, 14, 16, 18 et 20 rue Raikem (EA) et établissement d'une zone de protection (ZP)Source ↗
102 m² 1 · 77 m² 23.1 m · 7

1 of these parcels carries protected heritage. Expect extra rules on renovation or sale.

Contact

E-mail corinne.maloir@gmail.com
Phone +32 496 69 56 53

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