Summary
GESTEL 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 €1.4m and a net result of €282,930. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 68% of 8074 sector peers (fiscal year 2025). The company has been active since 2005 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 · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
20 d late
2024
30 d early
2023
30 d early
2022
55 d early
2021
34 d early
2020
24 d early
2019
17 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 19 days before 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€1.4m▼ 13.5%
2024 · €1.6m
Net result
€282,930▼ 18.7%
2024 · €348,149
Total assets
€1.9m▲ 0.7%
2024 · €1.9m
Solvency
71.6%▼ 11.8pp
2024 · 83.5%
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€171,183▼ 74.9%€284,577▲ 66.2%€329,971▲ 16.0%€338,879▲ 2.7%€404,672▲ 19.4%
Net result€194,574above the sector's middle half▼ 56.3%€190,075above the sector's middle half▼ 2.3%€234,486above the sector's middle half▲ 23.4%€348,149above the sector's middle half▲ 48.5%€282,930above the sector's middle half▼ 18.7%
Equity€1.4mabove the sector's middle half▲ 4.9%€1.5mabove the sector's middle half▲ 14.0%€1.7mabove the sector's middle half▲ 9.8%€1.6mabove the sector's middle half▼ 6.4%€1.4mabove the sector's middle half▼ 13.5%
Total assets€1.6mabove the sector's middle half▲ 3.8%€1.8mabove the sector's middle half▲ 10.1%€2.0mabove the sector's middle half▲ 8.4%€1.9mabove the sector's middle half▼ 3.3%€1.9mabove the sector's middle half▲ 0.7%
Debt€292,677▼ 1.2%€268,100▼ 8.4%€269,574▲ 0.5%€314,037▲ 16.5%€542,782▲ 72.8%
Working capital€826,333▼ 10.0%€1.0m▲ 24.5%€1.2m▲ 14.2%€1.1m▼ 8.8%€858,113▼ 19.9%
Solvency82.2%above the sector's middle half▲ 0.9pp85.2%above the sector's middle half▲ 3.0pp86.3%above the sector's middle half▲ 1.1pp83.5%above the sector's middle half▼ 2.8pp71.6%within the sector's middle half▼ 11.8pp
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 micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.9m
Fixed assets
€661,796 ▼ 3.2%
Current assets
€1.3m ▲ 2.9%
Equity and liabilities €1.9m
Equity
€1.4m ▼ 13.5%
Debt
€542,782 ▲ 72.8%
Debt's share of the balance-sheet total rises from 16.5% to 28.4%. Equity is lower and debt is higher.
Key figures and ratios
ROE
20.6%▼
2024 · 22.0%
ROA
14.8%▼
2024 · 18.3%
Debt ≤ 1 year
€393,604▲
2024 · €143,965
Debt > 1 year
€148,055▼
2024 · €169,411
Income taxes
€134,032▼
2024 · €159,448
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €43,315 | €32,455 | €29,104 | €29,629 | €29,296 | ▼ 1.1% |
| Other operating charges640/8 | €2,688 | €2,754 | €3,716 | €579 | €1,895 | ▲ 227% |
| Gross operating margin9900 | €217,187 | €319,787 | €362,792 | €369,088 | €435,862 | ▲ 18.1% |
| Operating profit (loss)9901 | €171,183 | €284,577 | €329,971 | €338,879 | €404,672 | ▲ 19.4% |
| Financial income75/76B | €130,287 | €51,351 | €21,517 | €189,144 | €23,478 | ▼ 87.6% |
| Recurring financial income75 | €130,287 | €51,351 | €21,517 | €189,144 | €23,478 | ▼ 87.6% |
| Financial charges65/66B | €19,110 | €49,382 | €10,412 | €20,426 | €11,188 | ▼ 45.2% |
| Recurring financial charges65 | €19,110 | €49,382 | €10,412 | €20,426 | €11,188 | ▼ 45.2% |
| Profit (loss) for the period before taxes9903 | €282,361 | €286,546 | €341,076 | €507,597 | €416,962 | ▼ 17.9% |
| Income taxes67/77 | €87,786 | €96,471 | €106,590 | €159,448 | €134,032 | ▼ 15.9% |
| Profit (loss) for the period9904 | €194,574 | €190,075 | €234,486 | €348,149 | €282,930 | ▼ 18.7% |
| Profit (loss) for the period to be appropriated9905 | €194,574 | €190,075 | €234,486 | €348,149 | €282,930 | ▼ 18.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.6m | €1.8m | €2.0m | €1.9m | €1.9m | ▲ 0.7% |
| Fixed assets21/28 | €766,212 | €733,757 | €713,211 | €683,581 | €661,796 | ▼ 3.2% |
| Tangible fixed assets22/27 | €766,212 | €733,757 | €713,211 | €683,581 | €661,796 | ▼ 3.2% |
| Land and buildings22 | €696,196 | €678,639 | €665,600 | €652,602 | €647,447 | ▼ 0.8% |
| Furniture and vehicles24 | €70,016 | €55,118 | €47,611 | €30,980 | €14,348 | ▼ 53.7% |
| Current assets29/58 | €879,951 | €1.1m | €1.3m | €1.2m | €1.3m | ▲ 2.9% |
| Amounts receivable after more than one year29 | €175,000 | €40,000 | - | - | - | - |
| Other amounts receivable291 | €175,000 | €40,000 | - | - | - | - |
| Amounts receivable within one year40/41 | €51,357 | €120,294 | €156,310 | €135,005 | €166,849 | ▲ 23.6% |
| Trade receivables40 | €46,934 | €106,823 | €155,465 | €134,689 | €143,063 | ▲ 6.2% |
| Other amounts receivable41 | €4,423 | €13,471 | €845 | €316 | €23,787 | ▲ 7,429% |
| Current investments50/53 | €469,683 | €606,095 | €783,132 | €802,912 | €954,530 | ▲ 18.9% |
| Cash at bank and in hand54/58 | €174,390 | €298,589 | €304,557 | €270,783 | €123,171 | ▼ 54.5% |
| Deferred charges and accrued income490/1 | €9,522 | €12,928 | €6,961 | €7,208 | €7,167 | ▼ 0.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.6m | €1.8m | €2.0m | €1.9m | €1.9m | ▲ 0.7% |
| Equity10/15 | €1.4m | €1.5m | €1.7m | €1.6m | €1.4m | ▼ 13.5% |
| Contributions10/11 | €14,400 | €14,400 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1.3m | €1.5m | €1.7m | €1.6m | €1.4m | ▼ 13.7% |
| Non-distributable reserves130/1 | €39,185 | €39,185 | - | - | - | - |
| Reserves not available under the articles1311 | €39,185 | €39,185 | - | - | - | - |
| Distributable reserves133 | €1.3m | €1.5m | €1.7m | €1.6m | €1.4m | ▼ 13.7% |
| Profit (loss) carried forward14 | €33,245 | €33,320 | - | - | €0 | - |
| Amounts payable17/49 | €292,677 | €268,100 | €269,574 | €314,037 | €542,782 | ▲ 72.8% |
| Amounts payable after more than one year17 | €239,005 | €216,081 | €192,884 | €169,411 | €148,055 | ▼ 12.6% |
| Financial debts170/4 | €239,005 | €216,081 | €192,884 | €169,411 | €148,055 | ▼ 12.6% |
| Amounts payable within one year42/48 | €53,618 | €49,111 | €76,003 | €143,965 | €393,604 | ▲ 173% |
| Current portion of amounts payable after more than one year42 | €22,654 | €22,924 | €23,197 | €23,473 | €21,356 | ▼ 9.0% |
| Financial debts43 | - | - | - | €0 | €0 | ▼ 100% |
| Credit institutions430/8 | - | - | - | €0 | €0 | ▼ 100% |
| Trade debts44 | €3,111 | €1,175 | €10,492 | €2,510 | €2,598 | ▲ 3.5% |
| Suppliers440/4 | €3,111 | €1,175 | €10,492 | €2,510 | €2,598 | ▲ 3.5% |
| Taxes, remuneration and social security45 | €27,854 | €25,012 | €41,228 | €79,883 | €60,628 | ▼ 24.1% |
| Taxes450/3 | €25,004 | €25,012 | €38,826 | €77,481 | €58,226 | ▼ 24.9% |
| Remuneration and social security454/9 | €2,850 | - | €2,402 | €2,402 | €2,402 | = |
| Other amounts payable47/48 | - | - | €1,086 | €38,099 | €309,022 | ▲ 711% |
| Accrued charges and deferred income492/3 | €54 | €2,908 | €687 | €660 | €1,123 | ▲ 70.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €194,574 | €190,075 | €234,486 | €348,149 | €282,930 | ▼ 18.7% |
| + Depreciation and write-downs630 | €43,315 | €32,455 | €29,104 | €29,629 | €29,296 | ▼ 1.1% |
| Operating cash flow (approximation) | €237,890 | €222,530 | €263,591 | €377,779 | €312,226 | ▼ 17.4% |
| Investment in fixed assets (approximation) | - | €0 | -€8,558 | €0 | -€7,510 | - |
| Change in cash | - | €124,199 | €5,968 | -€33,775 | -€147,612 | ▼ 337% |
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
27-07
State Gazette act
General meeting · Permanent representative
Director resignation · Director appointment
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
23-06
State Gazette act
General meeting · Board meeting
Director resignation · Director reappointment
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-06
State Gazette act
General meeting · Director resignation
Permanent representative
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
03-11
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
01-06
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
2021
31-12
Financial
Liquidity quadruplescurrent ratio 16.41
Current ratio from 4.10 to 16.41; short-term debt falls from €296,106 to €53,618.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
25-05
State Gazette act
General meeting · Director appointment
Permanent representative
25-05
State Gazette act
General meeting · Director appointment
2019
08-11
State Gazette act
Director appointment · Permanent representative
23-10
State Gazette act
General meeting · Director appointment
Power of attorney · Permanent representative
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
24-05
State Gazette act
General meeting · Director appointment
Permanent representative · Director reappointment
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
2016
05-10
State Gazette act
General meeting · Director resignation
Director discharge · Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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, Lommel · 1 establishment unit since 2005
Ground area
1,445 m²
Building footprint
284 m²
Volume, LiDAR
1,724 m³
Parcel 72342A0187/02S002, Flanders · tallest building 15.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Gestel
since 20052.147.871.394
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72342A0187/02S002 | Flanders | 1,445 m² | 1 · 284 m² | 15.8 m · 2 fl. |
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
Connections & network
8 connected companiesThis company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Linked via shared directors
ACERTA Consult
Shared director
→
ACERTA ONDERNEMINGSLOKET- ACERTA GUICHET D'ENTREPRISES
Shared director
→
Acerta Services
Shared director
→
ACERTA SOCIAAL VERZEKERINGSFONDS
Shared director
→
Show 4 more companies with a shared director
Acerta Verzekeringen
Shared director
→
MERISCO
Shared director
→
SHEHERAZADE Développement
Shared director
→
VKW LIMBURG
Shared director
→
Ownership & control
2 board mandatesBoard mandates of this companythis company sits on their board2
18 locations
Recognitions · licences · registrations
Legal Entity Identifier
875500N7R4AXQIP4S974
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Identification & contact
Identification
Legal formPrivate limited company
Founded12-05-2005
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0873774218
Also
9925:BE0873774218
Registered
09-04-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.