GESTIM
ActiveGESTIM has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €417k and a net result of €31k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 91% of 2256 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
78
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-9
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 11.52 against 10.78 in 2024), and 7.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
92.7%
Return on assets
6.9%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-09-2026, 41 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
41 d late
2024
26 d late
2023
29 d late
2022
29 d late
2021
29 d late
2020
31 d late
2019
55 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€417k▲ 8.0%
2024 · €386k
2018: €200k
2019: €228k
2020: €260k
2021: €289k
2022: €319k
2023: €351k
2024: €386k
2018 → 2025
Total assets
€450k▲ 7.5%
2024 · €419k
2018: €228k
2019: €256k
2020: €290k
2021: €316k
2022: €347k
2023: €377k
2024: €419k
2018 → 2025
Net result
€31k▼ 12.0%
2024 · €35k
2018: €27k
2019: €29k
2020: €32k
2021: €29k
2022: €31k
2023: €32k
2024: €35k
2018 → 2025
Working capital
€348k▲ 9.8%
2024 · €317k
2018: €130k
2019: €159k
2020: €191k
2021: €219k
2022: €250k
2023: €282k
2024: €317k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€289k-€319k▲ 10.7%€351k▲ 10.0%€386k▲ 10.0%€417k▲ 8.0%
Operating result€25k-€24k▼ 1.1%€28k▲ 16.2%€29k▲ 2.1%€24k▼ 16.7%
Net result€29k-€31k▲ 7.8%€32k▲ 3.2%€35k▲ 10.6%€31k▼ 12.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €450k
Fixed assets
€69k=
Current assets
€381k▲ 9.0%
Equity and liabilities €450k
Equity
€417k▲ 8.0%
Debt
€33k▲ 2.0%
The debt ratio falls from 7.7% to 7.3%: equity grows faster than debt.
Key figures and ratios
Solvency
92.7%▲
2024 · 92.3%
Current ratio
11.52▲
2024 · 10.78
Quick ratio
11.52▲
2024 · 10.78
Debt / equity
0.08▼
2024 · 0.08
ROE
7.4%▼
2024 · 9.1%
ROA
6.9%▼
2024 · 8.4%
Debt
€33k▲
2024 · €32k
Debt ≤ 1 year
€33k▲
2024 · €32k
Income taxes
€11k▼
2024 · €13k
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€419k€450k▲
Fixed assets21/28€69k€69k=
Tangible fixed assets22/27€69k€69k=
Land and buildings22€69k€69k=
Current assets29/58€350k€381k▲
Amounts receivable within one year40/41€350k€381k▲
Other amounts receivable41€350k€381k▲
Equity and liabilities
Total equity and liabilities10/49€419k€450k▲
Equity10/15€386k€417k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€324k€355k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€318k€349k▲
Amounts payable17/49€32k€33k▲
Amounts payable within one year42/48€32k€33k▲
Financial debts43€5k€5k▲
Credit institutions430/8€5k€5k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€25k€24k▼
Taxes450/3€25k€24k▼
Income statement
Code20242025
Other operating charges640/8€5k€5k▲
Gross operating margin9900€34k€29k▼
Operating profit (loss)9901€29k€24k▼
Financial income75/76B€20k€19k▼
Recurring financial income75€20k€19k▼
Financial charges65/66B€558€543▼
Recurring financial charges65€558€543▼
Profit (loss) for the period before taxes9903€48k€42k▼
Income taxes67/77€13k€11k▼
Profit (loss) for the period9904€35k€31k▼
Profit (loss) for the period to be appropriated9905€35k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€31k▼
Transfer to equity691/2€35k€31k▼
To other reserves6921€35k€31k▼
The notes to these accounts (2 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
10-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 41 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Highest result since 2018net €35k ▲10.6%
Operating result €29k, net result €35k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 55 days late
2019
31-12
Financial
Equity above €200kEq €228k ▲14.3%
2 profitable years in a row build equity to €228k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Quaregnon · 1 establishment unit since 1990
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.
Rue Rieu du Coeur 1707390 QuaregnonGround area
1,297 m²
Building footprint
655 m²
Parcel 53512C0052/00W000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Rieu du Coeur 170, 7390 Quaregnon
since 19902.050.241.488
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53512C0052/00W000 | Wallonia | 1,297 m² | 1 · 655 m² | - |
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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CABINET DE GREFT
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AUGEO
BE 0449.700.413
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INTERNATIONAL COLLECTION SERVICES
BE 0676.982.695
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TRIVION
BE 0877.777.942
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FLEXCREDIT
BE 0627.998.982
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Of 150 companies in sector 82910 we hold annual accounts for 78. 51 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-09-1990
Fiscal year end31-12
Activities, NACEBEL
74873
82910Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.