GESTILOC
ActiveGESTILOC has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €125k and a net result of €-15k. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 93% of 13977 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▼-5
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 12.7 against 22.95 in 2024; short-term debt: 7.9% and cash: 92.8% of total assets), and 7.9% 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 68
Relative position
BE, all sectors
reference
Sector 68
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-15k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-02-2026, 155 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
155 d early
2024
142 d early
2023
145 d early
2022
105 d early
2021
86 d early
2020
137 d early
2019
123 d early
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€125k▼ 10.8%
2024 · €140k
2018: €88k
2019: €92k
2020: €93k
2021: €130k
2022: €117k
2023: €153k
2024: €140k
2018 → 2025
Total assets
€135k▼ 7.4%
2024 · €146k
2018: €97k
2019: €100k
2020: €100k
2021: €146k
2022: €133k
2023: €167k
2024: €146k
2018 → 2025
Net result
€-15k▼ 13.9%
2024 · €-13k
2018: €-4k
2019: €4k
2020: €553
2021: €38k
2022: €-14k
2023: €36k
2024: €-13k
2018 → 2025
Working capital
€125k▼ 10.8%
2024 · €140k
2018: €88k
2019: €92k
2020: €88k
2021: €127k
2022: €117k
2023: €153k
2024: €140k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€130k-€117k▼ 10.4%€153k▲ 31.0%€140k▼ 8.7%€125k▼ 10.8%
Operating result€47k-€-5k€45k€-15k€-13k▲ 15.6%
Net result€38k-€-14k€36k€-13k€-15k▼ 13.9%
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 €13k in 2025 against €15k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €135k
Fixed assets
€5=
Current assets
€135k▼ 7.4%
Equity and liabilities €135k
Equity
€125k▼ 10.8%
Debt
€11k▲ 67.3%
The debt ratio rises from 4.4% to 7.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
92.1%▼
2024 · 95.6%
Current ratio
12.70▼
2024 · 22.95
Quick ratio
12.70▼
2024 · 22.95
Debt / equity
0.09▲
2024 · 0.05
ROE
-12.1%▼
2024 · -9.5%
ROA
-11.2%▼
2024 · -9.1%
Debt
€11k▲
2024 · €6k
Debt ≤ 1 year
€11k▲
2024 · €6k
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€146k€135k▼
Fixed assets21/28€5€5=
Financial fixed assets28€5€5=
Current assets29/58€146k€135k▼
Amounts receivable within one year40/41€5k€10k▲
Trade receivables40€250€422▲
Other amounts receivable41€5k€9k▲
Current investments50/53€50k-
Cash at bank and in hand54/58€91k€126k▲
Equity and liabilities
Total equity and liabilities10/49€146k€135k▼
Equity10/15€140k€125k▼
Contributions10/11€25k€25k=
Reserves13€128k€128k=
Distributable reserves133€128k€128k=
Profit (loss) carried forward14€-13k€-28k▼
Amounts payable17/49€6k€11k▲
Amounts payable within one year42/48€6k€11k▲
Taxes, remuneration and social security45€1k€5k▲
Taxes450/3€1k€5k▲
Other amounts payable47/48€5k€5k=
Income statement
Code20242025
Gross operating margin9900€-15k€-13k▲
Operating profit (loss)9901€-15k€-13k▲
Financial income75/76B€5k€2k▼
Recurring financial income75€5k€2k▼
Financial charges65/66B€618€683▲
Recurring financial charges65€618€683▲
Profit (loss) for the period before taxes9903€-11k€-12k▼
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€-13k€-15k▼
Profit (loss) for the period to be appropriated9905€-13k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-28k▼
Profit (loss) brought forward from the previous period14P-€-13k
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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series.
11-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
31-12
Financial
Equity above €150kEq €153k ▲31%
Equity rises from €117k to €153k.
17-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €38k ▲6738%
Operating result €47k, net result €38k, both a record.
31-12
Financial
Equity above €100kEq €130k ▲40.9%
3 profitable years in a row build equity to €130k.
16-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Beersel · 2 establishment units since 1997
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Oude Molenstraat 331652 BeerselGround area
1,177 m²
Building footprint
297 m²
Volume, LiDAR
2,537 m³
2 parcels, Brussels, Flanders · tallest building 18.4 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Immo Wiels
since 19972.080.983.461
Immo Wiels
since 20112.195.983.592
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23001C0046/00T000 | Flanders | 976 m² | 1 · 175 m² | 10.4 m · 2 fl. |
| 21007A0060/00P003 | Brussels | 201 m² | 1 · 122 m² | 18.4 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
ID REAL ESTATE
BE 0887.111.916
Wavre · Eq €125k
Vastgoedbeheer & Advies
BE 0865.180.909
Boutersem · Eq €125k
GiG Consult
BE 1003.206.959
Antwerpen · Eq €125k
DJ IMMOBILIER
BE 0683.449.825
Etterbeek · Eq €125k
Agence Immobilière Sociale Nord Luxembourg
BE 0871.357.631
Marche-en-Famenne · Eq €125k
Of 11,748 companies in sector 68310 we hold annual accounts for 6,906. 5,234 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-03-1997
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.