GFLO Advisor
ActiveGFLO Advisor has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €273k and a net result of €18k. Equity is growing by ~24.3% per year across the filed fiscal years. Its solvency ranks better than 68% of 2034 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-9
Solvency90▼-10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 3.18 against 6.02 in 2024; short-term debt: 12.2% and cash: 32% of total assets), and 35.3% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
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
64.7%
Return on assets
4.3%
Age of the figures
9 mo
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
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
29 d early
2023
44 d early
2022
45 d early
2021
46 d early
2020
1 d early
2019
3 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€273k▲ 7.0%
2024 · €255k
2018: €69k
2019: €84k
2020: €107k
2021: €128k
2022: €169k
2023: €216k
2024: €255k
2018 → 2025
Total assets
€422k▲ 27.8%
2024 · €330k
2018: €248k
2019: €228k
2020: €238k
2021: €242k
2022: €266k
2023: €315k
2024: €330k
2018 → 2025
Net result
€18k▼ 53.7%
2024 · €39k
2018: €14k
2019: €15k
2020: €24k
2021: €21k
2022: €41k
2023: €47k
2024: €39k
2018 → 2025
Working capital
€112k▼ 34.2%
2024 · €171k
2018: €-2k
2019: €3k
2020: €40k
2021: €79k
2022: €106k
2023: €132k
2024: €171k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€128k-€169k▲ 31.7%€216k▲ 28.1%€255k▲ 18.0%€273k▲ 7.0%
Operating result€35k-€64k▲ 82.8%€69k▲ 8.1%€55k▼ 20.3%€31k▼ 44.5%
Net result€21k-€41k▲ 94.8%€47k▲ 16.5%€39k▼ 18.0%€18k▼ 53.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 45% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €422k
Fixed assets
€258k▲ 105%
Current assets
€164k▼ 19.9%
Equity and liabilities €422k
Equity
€273k▲ 7.0%
Debt
€149k▲ 97.7%
The debt ratio rises from 22.8% to 35.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€60k▼
2024 · €79k
Cash flow
€47k▼
2024 · €63k
Solvency
64.7%▼
2024 · 77.2%
Current ratio
3.18▼
2024 · 6.02
Quick ratio
3.18▼
2024 · 6.02
Debt / equity
0.55▲
2024 · 0.30
ROE
6.6%▼
2024 · 15.2%
ROA
4.3%▼
2024 · 11.7%
Interest coverage
10.68▼
2024 · 21.38
Debt
€149k▲
2024 · €75k
Debt ≤ 1 year
€52k▲
2024 · €34k
Debt > 1 year
€98k▲
2024 · €41k
Income taxes
€8k▼
2024 · €15k
Staff costs
€8k
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€330k€422k▲
Fixed assets21/28€126k€258k▲
Tangible fixed assets22/27€126k€258k▲
Land and buildings22€94k€239k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€30k€18k▼
Current assets29/58€205k€164k▼
Amounts receivable after more than one year29€9k€9k▲
Other amounts receivable291€9k€9k▲
Amounts receivable within one year40/41€8k€17k▲
Trade receivables40-€1k
Other amounts receivable41€8k€15k▲
Cash at bank and in hand54/58€185k€135k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€330k€422k▲
Equity10/15€255k€273k▲
Contributions10/11€12k€12k=
Reserves13€243k€260k▲
Distributable reserves133€243k€260k▲
Amounts payable17/49€75k€149k▲
Amounts payable after more than one year17€41k€98k▲
Financial debts170/4€41k€98k▲
Amounts payable within one year42/48€34k€52k▲
Current portion of amounts payable after more than one year42€26k€34k▲
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€4k€7k▲
Taxes450/3€4k€7k▲
Other amounts payable47/48-€6k
Income statement
Code20242025
Remuneration, social security and pensions62-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€29k▲
Other operating charges640/8€2k€19k▲
Non-recurring operating charges66A-€849
Gross operating margin9900€81k€89k▲
Operating profit (loss)9901€55k€31k▼
Financial income75/76B€2k€990▼
Recurring financial income75€2k€990▼
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€54k€26k▼
Income taxes67/77€15k€8k▼
Profit (loss) for the period9904€39k€18k▼
Profit (loss) for the period to be appropriated9905€39k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€18k▼
Transfer from equity791/2-€202
Transfer to equity691/2€39k€18k▼
To other reserves6921€39k€18k▼
The notes to these accounts (6 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €47k ▲16.5%
Operating result €69k, net result €47k, both a record.
31-12
Financial
Equity above €200kEq €216k ▲28.1%
6 profitable years in a row build equity to €216k.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €169k ▲31.7%
5 profitable years in a row build equity to €169k.
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 2.18
Current ratio from 1.09 to 2.18.
31-12
Financial
Equity above €100kEq €107k ▲28.4%
3 profitable years in a row build equity to €107k.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Herent · 1 establishment unit since 2010
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.
Rijweg 923020 HerentGround area
425 m²
Building footprint
140 m²
Volume, LiDAR
852 m³
Parcel 24423I0155/00B002, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GFLO Advisor
since 20102.192.341.936
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24423I0155/00B002 | Flanders | 425 m² | 1 · 140 m² | 9.2 m · 2 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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Of 947 companies in sector 85699 we hold annual accounts for 147. 97 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-2010
Fiscal year end31-12
Activities, NACEBEL
85699Other educational support services
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:greet.flore@telenet.be
Phone:0479/27.21.14