Summary
GESTION 3D 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 €506k and a net result of €3k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 95% of 1475 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
56 d early
2023
36 d early
2022
32 d early
2021
12 d early
2020
24 d late
2019
1 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€506k▲ 0.2%
2024 · €505k
2018: €401k
2019: €402k
2020: €715k
2021: €680k
2022: €491k
2023: €495k
2024: €505k
2018 → 2025
Net result
€3k▼ 76.4%
2024 · €12k
2018: €1k
2019: €1k
2020: €315k
2021: €-33k
2022: €-19k
2023: €5k
2024: €12k
2018 → 2025
Total assets
€540k▲ 1.6%
2024 · €531k
2018: €541k
2019: €538k
2020: €816k
2021: €756k
2022: €696k
2023: €545k
2024: €531k
2018 → 2025
Solvency
93.8%▼ 1.3pp
2024 · 95.1%
2018: 74.2%
2019: 74.6%
2020: 87.6%
2021: 90.0%
2022: 70.5%
2023: 90.8%
2024: 95.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€680k-€491k▼ 27.8%€495k▲ 0.8%€505k▲ 2.1%€506k▲ 0.2%
Operating result€-37k-€-23k▲ 39.0%€4k€13k▲ 265%€4k▼ 73.2%
Net result€-33k-€-19k▲ 41.5%€5k€12k▲ 123%€3k▼ 76.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 73% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €540k
Fixed assets
€461k ▲ 2.1%
Current assets
€79k ▼ 1.0%
Equity and liabilities €540k
Equity
€506k ▲ 0.2%
Debt
€34k ▲ 27.7%
Debt's share of the balance-sheet total rises from 4.9% to 6.2%. Equity and debt are higher.
Key figures and ratios
ROE
0.6%▼
2024 · 2.4%
ROA
0.5%▼
2024 · 2.3%
Debt ≤ 1 year
€30k▲
2024 · €18k
Debt > 1 year
€3k▼
2024 · €7k
Income taxes
€265▼
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€531k€540k▲
Fixed assets21/28€452k€461k▲
Tangible fixed assets22/27€8k€16k▲
Furniture and vehicles24€8k€16k▲
Other tangible fixed assets26€0€0=
Financial fixed assets28€444k€446k▲
Current assets29/58€80k€79k▼
Amounts receivable within one year40/41€52k€73k▲
Trade receivables40€11k€21k▲
Other amounts receivable41€41k€51k▲
Cash at bank and in hand54/58€27k€3k▼
Deferred charges and accrued income490/1€396€3k▲
Equity and liabilities
Total equity and liabilities10/49€531k€540k▲
Equity10/15€505k€506k▲
Contributions10/11€6k€6k=
Reserves13€414k€414k=
Distributable reserves133€414k€414k=
Profit (loss) carried forward14€85k€86k▲
Amounts payable17/49€26k€34k▲
Amounts payable after more than one year17€7k€3k▼
Financial debts170/4€7k€3k▼
Amounts payable within one year42/48€18k€30k▲
Current portion of amounts payable after more than one year42€3k€3k▲
Trade debts44€5k€10k▲
Suppliers440/4€5k€10k▲
Taxes, remuneration and social security45€6k€11k▲
Taxes450/3€6k€11k▲
Other amounts payable47/48€4k€6k▲
Accrued charges and deferred income492/3€1k€182▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€5k▲
Other operating charges640/8€582€1k▲
Gross operating margin9900€15k€9k▼
Operating profit (loss)9901€13k€4k▼
Financial income75/76B€556€137▼
Recurring financial income75€556€137▼
Financial charges65/66B€219€515▲
Recurring financial charges65€219€515▲
Profit (loss) for the period before taxes9903€14k€3k▼
Income taxes67/77€1k€265▼
Profit (loss) for the period9904€12k€3k▼
Profit (loss) for the period to be appropriated9905€12k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€99k€88k▼
Profit (loss) brought forward from the previous period14P€87k€85k▼
Transfer to equity691/2€12k-
To other reserves6921€12k-
Profit to be distributed694/7€2k€2k▼
Return on contributions (dividend)694€2k€2k▼
The notes to these accounts (9 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Liquidity doublescurrent ratio 4.40
Current ratio from 2.16 to 4.40; short-term debt falls from €47k to €18k.
31-12
Financial
Equity above €500kEq €505k ▲2.1%
2 profitable years in a row build equity to €505k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-33k ▼110%
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Highest result since 2018net €315k ▲24888%
Net result €315k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 6.42
Current ratio from 2.45 to 6.42; short-term debt falls from €79k to €72k.
Show earlier events
31-12
Financial
Equity above €500kEq €715k ▲77.9%
3 profitable years in a row build equity to €715k.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Genappe · 1 establishment unit since 2016
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 de La Roche 221470 GenappeGround area
796 m²
Parcel 25013F0003/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de La Roche 22, 1470 Genappe
since 20162.294.873.906
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25013F0003/00E000 | Wallonia | 796 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.
Similar companies · same sector, comparable size
ALTERMIND
BE 0745.821.518
Elsene · Eq €501k
Welfika
BE 0800.939.391
Herent · Eq €498k
JDM Invest
BE 0892.032.091
Schilde · Eq €525k
SMARTFIN MANAGEMENT
BE 0737.561.076
Etterbeek · Eq €486k
Scott Technology Belgium
BE 0694.512.080
Deerlijk · Eq €532k
Of 591 companies in sector 66300 we hold annual accounts for 365. 237 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2003
Fiscal year end31-12
Activities, NACEBEL 2025
66300Activities auxiliary to financial services and insurance activities
66110Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.