GESTINSURE
ActiveGESTINSURE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.91M and a net result of €97k. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 95% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
Liquidity ample (current ratio 1.96 against 0.34 in 2024; short-term debt: 2.1% and cash: 1.9% of total assets), and 2.2% 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
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
97.8%
Return on assets
5%
Age of the figures
9 mo
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 13-05-2026, 79 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
79 d early
2024
41 d early
2023
5 d early
2022
27 d early
2021
3 d early
2020
31 d late
2019
on the day
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.91M▲ 5.4%
2024 · €1.81M
2018: €1.34M
2019: €1.44M
2020: €1.55M
2021: €1.62M
2022: €1.75M
2023: €1.82M
2024: €1.81M
2018 → 2025
Total assets
€1.95M▼ 1.9%
2024 · €1.99M
2018: €1.75M
2019: €1.79M
2020: €1.90M
2021: €2.00M
2022: €2.05M
2023: €2.06M
2024: €1.99M
2018 → 2025
Net result
€97k▲ 16.1%
2024 · €84k
2018: €32k
2019: €102k
2020: €113k
2021: €65k
2022: €134k
2023: €63k
2024: €84k
2018 → 2025
Working capital
€39k
2024 · €-110k
2018: €529k
2019: €683k
2020: €192k
2021: €175k
2022: €-72k
2023: €-121k
2024: €-110k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.62M-€1.75M▲ 8.3%€1.82M▲ 3.6%€1.81M▼ 0.2%€1.91M▲ 5.4%
Operating result€91k-€56k▼ 38.6%€101k▲ 79.6%€133k▲ 31.6%€146k▲ 10.3%
Net result€65k-€134k▲ 108%€63k▼ 53.2%€84k▲ 33.5%€97k▲ 16.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.95M
Fixed assets
€1.87M▼ 3.1%
Current assets
€80k▲ 38.2%
Equity and liabilities €1.95M
Equity
€1.91M▲ 5.4%
Debt
€42k▼ 76.1%
The debt ratio falls from 8.9% to 2.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€233k▲
2024 · €224k
Cash flow
€184k▲
2024 · €175k
Solvency
97.8%▲
2024 · 91.1%
Current ratio
1.96▲
2024 · 0.34
Quick ratio
1.96▲
2024 · 0.34
Debt / equity
0.02▼
2024 · 0.10
ROE
5.1%▲
2024 · 4.6%
ROA
5.0%▲
2024 · 4.2%
Interest coverage
123.90▲
2024 · 20.49
Debt
€42k▼
2024 · €177k
Debt ≤ 1 year
€41k▼
2024 · €168k
Income taxes
€47k▲
2024 · €38k
Staff costs
€68k▼
2024 · €69k
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€1.99M€1.95M▼
Fixed assets21/28€1.93M€1.87M▼
Tangible fixed assets22/27€1.93M€1.87M▼
Land and buildings22€1.88M€1.82M▼
Plant, machinery and equipment23€25k€24k▼
Furniture and vehicles24€25k€25k▲
Current assets29/58€58k€80k▲
Amounts receivable within one year40/41€27k€9k▼
Trade receivables40€22k€4k▼
Other amounts receivable41€5k€5k=
Current investments50/53€352€352=
Cash at bank and in hand54/58€3k€37k▲
Deferred charges and accrued income490/1€27k€34k▲
Equity and liabilities
Total equity and liabilities10/49€1.99M€1.95M▼
Equity10/15€1.81M€1.91M▲
Contributions10/11€25k€25k=
Reserves13€1.79M€1.89M▲
Distributable reserves133€1.79M€1.89M▲
Amounts payable17/49€177k€42k▼
Amounts payable within one year42/48€168k€41k▼
Trade debts44€55€3k▲
Suppliers440/4€55€3k▲
Taxes, remuneration and social security45€16k€25k▲
Taxes450/3€8k€17k▲
Remuneration and social security454/9€8k€8k▲
Other amounts payable47/48€152k€12k▼
Accrued charges and deferred income492/3€9k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€69k€68k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€91k€86k▼
Other operating charges640/8€12k€12k▼
Gross operating margin9900€306k€312k▲
Operating profit (loss)9901€133k€146k▲
Financial income75/76B€498€13▼
Recurring financial income75€498€13▼
Financial charges65/66B€11k€2k▼
Recurring financial charges65€11k€2k▼
Profit (loss) for the period before taxes9903€122k€144k▲
Income taxes67/77€38k€47k▲
Profit (loss) for the period9904€84k€97k▲
Profit (loss) for the period to be appropriated9905€84k€97k▲
Appropriation of the result
Profit (loss) to be appropriated9906€84k€97k▲
Transfer from equity791/2€87k-
Transfer to equity691/2€84k€97k▲
To other reserves6921€84k€97k▲
Profit to be distributed694/7€87k-
Return on contributions (dividend)694€87k-
The notes to these accounts (7 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
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 6current ratio 1.96
Current ratio from 0.34 to 1.96; short-term debt falls from €168k to €41k.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €134k ▲108%
Net result €134k, the highest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 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, Sint-Pieters-Woluwe · 1 establishment unit since 1988
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.
Tervurenlaan 266E1150 Sint-Pieters-WoluweGround area
492 m²
Building footprint
177 m²
Volume, LiDAR
3,764 m³
Parcel 21019A0196/00K004, Brussels · tallest building 30.2 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
GESTINSURE
since 19882.037.808.860
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21019A0196/00K004 | Brussels | 492 m² | 1 · 177 m² | 30.1 m · 9 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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G.C. VALECO
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IMMO T
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Of 11,749 companies in sector 68310 we hold annual accounts for 6,907. 2,836 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-1995
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.