GESTINTER
ActiveSummary
GESTINTER has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €92k and a net result of €13k. Equity is shrinking by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 44% of 9234 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability68▼-17
Solvency50▼-1
Growth38=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.4 in 2024; short-term debt: 67.8% and cash: 29.3% of total assets), and 75% of the assets are financed with debt.
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Signals
Six 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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
25%
Return on assets
3.4%
Age of the figures
9 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 26-08-2026, 26 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
26 d late
2024
28 d late
2023
28 d late
2022
21 d late
2021
22 d late
2020
31 d late
2019
26 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Is this a good employer? Staff, turnover and training against the sector.Employer check
Financials · fiscal year 2025, abbreviated schema
Turnover
€130k▲ 1.5%
2024 · €128k
EBIT margin
12.9%▼ 7.2pp
2024 · 20.1%
Net result
€13k▼ 42.5%
2024 · €22k
Working capital
€67k▼ 21.6%
2024 · €86k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€513k▼ 19.2%€361k▼ 29.7%€128k€130k▲ 1.5%
Operating result€22k▼ 34.2%€16k▼ 28.5%€-32k€26k€17k▼ 35.0%
Net result€7k▼ 74.3%€3k▼ 53.3%€-52k€22k€13k▼ 42.5%
EBIT margin4.2%▼ 1.0pp4.3%▲ 0.1pp20.1%12.9%▼ 7.2pp
Equity€141k▼ 2.1%€139k▼ 1.2%€87k▼ 37.3%€89k▲ 2.3%€92k▲ 2.9%
Total assets€224k▼ 32.1%€282k▲ 25.5%€222k▼ 21.3%€340k▲ 53.5%€368k▲ 8.1%
Debt€83k▼ 55.2%€142k▲ 70.7%€84k▼ 40.8%€214k▲ 154%€250k▲ 16.7%
Working capital€90k▲ 13.6%€91k▲ 1.0%€92k▲ 0.8%€86k▼ 7.1%€67k▼ 21.6%
Staff (FTE)0.10.5▲ 400%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €368k
Fixed assets
€51k ▲ 27.3%
Current assets
€316k ▲ 5.5%
Equity and liabilities €368k
Equity
€92k ▲ 2.9%
Provisions
€26k ▼ 29.1%
Debt
€250k ▲ 16.7%
Debt's share of the balance-sheet total rises from 63.0% to 68.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€19k▼
2024 · €31k
Cash flow
€15k▼
2024 · €27k
Current ratio
1.27▼
2024 · 1.40
Quick ratio
0.59▼
2024 · 1.40
Debt to equity
2.72▲
2024 · 2.40
ROE
13.8%▼
2024 · 24.6%
ROA
3.4%▼
2024 · 6.5%
Interest coverage
4.75▼
2024 · 8.22
Debt ≤ 1 year
€249k▲
2024 · €214k
Income taxes
€59▼
2024 · €133
Staff costs
€8k▲
2024 · €2k
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 |
|---|---|---|---|---|---|---|
| Turnover70 | €513k | €361k | - | €128k | €130k | ▲ 1.5% |
| Goods, raw materials, services and sundry goods60/61 | €490k | €348k | - | €106k | €118k | ▲ 10.7% |
| Remuneration, social security and pensions62 | - | - | - | €2k | €8k | ▲ 348% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9k | €5k | €5k | €5k | €3k | ▼ 49.3% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | €50k | €-13k | €-11k | ▲ 19.3% |
| Other operating charges640/8 | €7k | €8k | €10k | €8k | €4k | ▼ 53.8% |
| Gross operating margin9900 | €38k | €29k | €32k | €28k | €20k | ▼ 26.3% |
| Operating profit (loss)9901 | €22k | €16k | €-32k | €26k | €17k | ▼ 35.0% |
| Financial income75/76B | - | - | €83 | €101 | €6 | ▼ 94.1% |
| Recurring financial income75 | - | - | €83 | €101 | €6 | ▼ 94.1% |
| Financial charges65/66B | €6k | €8k | €9k | €4k | €4k | ▲ 8.4% |
| Recurring financial charges65 | €6k | €8k | €9k | €4k | €4k | ▲ 8.4% |
| Profit (loss) for the period before taxes9903 | €16k | €8k | €-41k | €22k | €13k | ▼ 42.6% |
| Income taxes67/77 | €9k | €5k | €11k | €133 | €59 | ▼ 55.6% |
| Profit (loss) for the period9904 | €7k | €3k | €-52k | €22k | €13k | ▼ 42.5% |
| Profit (loss) for the period to be appropriated9905 | €7k | €3k | €-52k | €22k | €13k | ▼ 42.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €224k | €282k | €222k | €340k | €368k | ▲ 8.1% |
| Fixed assets21/28 | €53k | €48k | €45k | €40k | €51k | ▲ 27.3% |
| Tangible fixed assets22/27 | €52k | €47k | €44k | €39k | €50k | ▲ 28.3% |
| Land and buildings22 | €48k | €44k | €41k | €37k | €35k | ▼ 5.3% |
| Furniture and vehicles24 | €4k | €2k | €3k | €2k | €15k | ▲ 761% |
| Financial fixed assets28 | €1k | €1k | €1k | €1k | €1k | = |
| Current assets29/58 | €171k | €234k | €177k | €300k | €316k | ▲ 5.5% |
| Stocks and contracts in progress3 | €116k | €91k | - | - | €170k | - |
| Stocks30/36 | €116k | €91k | - | - | €170k | - |
| Amounts receivable within one year40/41 | €37k | €63k | €78k | €75k | €39k | ▼ 48.1% |
| Trade receivables40 | €11k | €36k | €56k | €58k | €39k | ▼ 33.5% |
| Other amounts receivable41 | €25k | €26k | €22k | €16k | - | - |
| Cash at bank and in hand54/58 | €19k | €71k | €93k | €225k | €108k | ▼ 52.2% |
| Deferred charges and accrued income490/1 | - | €9k | €6k | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €224k | €282k | €222k | €340k | €368k | ▲ 8.1% |
| Equity10/15 | €141k | €139k | €87k | €89k | €92k | ▲ 2.9% |
| Contributions10/11 | €99k | €99k | €99k | €99k | €99k | = |
| Capital10 | €99k | €99k | €99k | €99k | €99k | = |
| Issued capital100 | €99k | €99k | €99k | €99k | €99k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | €2k | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €39k | €38k | €-14k | €-12k | €-10k | ▲ 21.3% |
| Provisions and deferred taxes16 | - | - | €50k | €37k | €26k | ▼ 29.1% |
| Provisions for liabilities and charges160/5 | - | - | €50k | €37k | €26k | ▼ 29.1% |
| Other liabilities and charges164/5 | - | - | €50k | €37k | €26k | ▼ 29.1% |
| Amounts payable17/49 | €83k | €142k | €84k | €214k | €250k | ▲ 16.7% |
| Amounts payable within one year42/48 | €81k | €142k | €84k | €214k | €249k | ▲ 16.4% |
| Current portion of amounts payable after more than one year42 | €50k | €50k | - | - | - | - |
| Trade debts44 | €9k | €20k | €29k | €4k | €5k | ▲ 10.6% |
| Suppliers440/4 | €9k | €20k | €29k | €4k | €5k | ▲ 10.6% |
| Advances received on contracts in progress46 | €11k | €67k | €52k | €189k | €64k | ▼ 66.4% |
| Taxes, remuneration and social security45 | €4k | €2k | €3k | €11k | €9k | ▼ 13.8% |
| Taxes450/3 | €4k | €2k | €3k | €10k | €9k | ▼ 15.1% |
| Remuneration and social security454/9 | - | - | - | €531 | €585 | ▲ 10.2% |
| Other amounts payable47/48 | €7k | €4k | - | €10k | €172k | ▲ 1,577% |
| Accrued charges and deferred income492/3 | €3k | - | - | - | €625 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7k | €3k | €-52k | €22k | €13k | ▼ 42.5% |
| + Depreciation and write-downs630 | €9k | €5k | €5k | €5k | €3k | ▼ 49.3% |
| Operating cash flow (approximation) | €16k | €9k | €-47k | €27k | €15k | ▼ 43.8% |
| Investment in fixed assets (approximation) | - | €0 | €-2k | €-363 | €-14k | ▼ 3,647% |
| Change in cash | - | €52k | €21k | €133k | €-117k | ▼ 189% |
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €-52k
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €27k ▲1,427%
Operating result €33k, net result €27k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 26 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 26 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 20 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 22 days late
Financial milestoneNBB 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, Charleroi · 1 establishment unit since 1988
Ground area
515 m²
Building footprint
171 m²
Volume, LiDAR
726 m³
2 parcels, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
IMMOBILIERE YVON LORGE
since 19882.040.555.247
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011B0240/00Y075 | Wallonia | 329 m² | 1 · 52 m² | - |
| 52412A0108/00H002 | Wallonia | 185 m² | 1 · 119 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
Immo KWP
BE 0450.380.304
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GEECIS
BE 0845.499.213
Mol · Eq €91,717
Immo Detroz
BE 0760.713.887
Wellin · Eq €91,984
ARCHIVIEW
BE 0781.734.678
Tervuren · Eq €91,587
IMMO DRIE
BE 0423.365.408
Waregem · Eq €92,274
Of 11,756 companies in sector 68310 we hold annual accounts for 6,906. 5,169 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded06-10-1988
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
Scores and ratios are computed by Checked and are not a credit decision.