GESTRAMAT
ActiveSummary
GESTRAMAT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63k and a net result of €-22k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 86% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 9.28 against 5.77 in 2024; short-term debt: 10.3% and cash: 3.4% of total assets), and 10.3% of the assets are financed with debt.
Credit advice for your own amount and term
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 70
Relative position
BE, all sectors
reference
Sector 70
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
89.7%
Return on assets
-30.5%
Age of the figures
9 mo
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 €-22k
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
26 d late
2023
7 d early
2022
32 d early
2021
23 d late
2020
3 d early
2019
23 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
€63k▼ 25.4%
2024 · €85k
2018: €52k
2019: €52k
2020: €55k
2021: €59k
2022: €106k
2023: €127k
2024: €85k
2018 → 2025
Total assets
€71k▼ 29.9%
2024 · €101k
2018: €122k
2019: €68k
2020: €79k
2021: €144k
2022: €202k
2023: €172k
2024: €101k
2018 → 2025
Net result
€-22k▲ 49.2%
2024 · €-42k
2018: €17k
2019: €-314
2020: €4k
2021: €4k
2022: €47k
2023: €21k
2024: €-42k
2018 → 2025
Working capital
€60k▲ 8.9%
2024 · €55k
2018: €34k
2019: €35k
2020: €35k
2021: €36k
2022: €81k
2023: €91k
2024: €55k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€106k▲ 79.7%€127k▲ 19.7%€85k▼ 33.3%€63k▼ 25.4%
Operating result€6k-€66k▲ 1,028%€30k▼ 54.4%€-42k€-21k▲ 49.0%
Net result€4k-€47k▲ 1,169%€21k▼ 55.7%€-42k€-22k▲ 49.2%
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 stays negative: a loss of €21k in 2025 against €42k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €71k
Fixed assets
€3k ▼ 91.0%
Current assets
€68k ▲ 0.9%
Equity and liabilities €71k
Equity
€63k ▼ 25.4%
Debt
€7k ▼ 53.9%
Debt's share of the balance-sheet total falls from 15.7% to 10.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-21k▲
2024 · €-34k
Cash flow
€-21k▲
2024 · €-35k
Current ratio
9.28▲
2024 · 5.77
Debt to equity
0.12▼
2024 · 0.19
ROE
-34.0%▲
2024 · -49.9%
ROA
-30.5%▲
2024 · -42.1%
Interest coverage
-53.59▼
2024 · -40.07
Debt ≤ 1 year
€7k▼
2024 · €12k
Income taxes
€176▼
2024 · €336
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€101k€71k▼
Fixed assets21/28€34k€3k▼
Tangible fixed assets22/27€26k€415▼
Plant, machinery and equipment23€291€415▲
Furniture and vehicles24€26k-
Financial fixed assets28€8k€3k▼
Current assets29/58€67k€68k▲
Stocks and contracts in progress3€2k-
Stocks30/36€2k-
Amounts receivable within one year40/41€19k€19k▼
Trade receivables40€16k€16k▼
Other amounts receivable41€3k€3k▲
Current investments50/53€44k€46k▲
Cash at bank and in hand54/58€1k€2k▲
Deferred charges and accrued income490/1€553-
Equity and liabilities
Total equity and liabilities10/49€101k€71k▼
Equity10/15€85k€63k▼
Contributions10/11€12k€12k=
Outside capital11€12k€12k=
Other1109/19€12k€12k=
Reserves13€50k€50k=
Distributable reserves133€50k€50k=
Profit (loss) carried forward14€22k€849▼
Amounts payable17/49€16k€7k▼
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€12k€7k▼
Current portion of amounts payable after more than one year42€5k€4k▼
Financial debts43€189-
Credit institutions430/8€189-
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€725€291▼
Taxes450/3€725€291▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€370▼
Other operating charges640/8€1k€8k▲
Gross operating margin9900€-33k€-13k▲
Operating profit (loss)9901€-42k€-21k▲
Financial income75/76B€836€473▼
Recurring financial income75€836€473▼
Financial charges65/66B€860€393▼
Recurring financial charges65€860€393▼
Profit (loss) for the period before taxes9903€-42k€-21k▲
Income taxes67/77€336€176▼
Profit (loss) for the period9904€-42k€-22k▲
Profit (loss) for the period to be appropriated9905€-42k€-22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€849▼
Profit (loss) brought forward from the previous period14P€65k€22k▼
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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Weakest financial yearnet €-42k ▼303%
Net result drops to €-42k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €47k ▲1169%
Operating result €66k, net result €47k, both a record.
31-12
Financial
Equity above €100kEq €106k ▲79.7%
3 profitable years in a row build equity to €106k.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 3.41
Current ratio from 1.53 to 3.41; short-term debt falls from €64k to €15k.
Show earlier events
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Namur · 1 establishment unit since 2008
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 Pierre du Diable(JB) 625100 NamurGround area
420 m²
Building footprint
291 m²
Volume, LiDAR
3,727 m³
Parcel 92322E0108/00_000, Wallonia · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
GESTRAMAT
since 20082.171.640.849
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92322E0108/00_000 | Wallonia | 420 m² | 1 · 290 m² | 15.5 m · 4 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.
Recognitions · licences · registrations
Recognised contractor
1 categoryGESTRAMAT SRL31375
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 39,227 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
Founded01-07-2008
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.