GHITRO

Active

Private limited company (pre-2019)founded 201412 yrs activeToekomstlaan 10, 3910 Pelt, BelgiumKBO/BCE: BE 0546.823.939

GHITRO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €119k and a net result of €-25k. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 81% of 37972 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2024

62 / 100

Healthy▼ -16 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0▼-38

Solvency100=

Growth52=

Stability100

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity ample (current ratio 4.51 against 3.97 in 2023), and 15.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 →

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 2024

Solvency, return and age of the figures

Solvency

84.1%

Return on assets

-17.6%

Age of the figures

20 mo

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-12-2025, 131 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

131 d late

2023

36 d early

2022

31 d early

2021

17 d late

2020

19 d late

2019

14 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€119k▼ 17.3%

2023 · €144k

2018: €97k 2019: €97k 2020: €109k 2021: €121k 2022: €133k 2023: €144k

2018 → 2024

Total assets

€141k▼ 14.5%

2023 · €165k

2018: €138k 2019: €118k 2020: €115k 2021: €138k 2022: €145k 2023: €165k

2018 → 2024

Net result

€-25k

2023 · €11k

2018: €32k 2019: €328 2020: €13k 2021: €14k 2022: €12k 2023: €11k

2018 → 2024

Working capital

€79k▲ 23.7%

2023 · €64k

2018: €81k 2019: €91k 2020: €107k 2021: €125k 2022: €87k 2023: €64k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€109k-€121k▲ 11.3%€133k▲ 10.0%€144k▲ 8.1%€119k▼ 17.3%

Operating result€17k-€21k▲ 19.4%€18k▼ 12.9%€17k▼ 4.4%€17k▼ 2.1%

Net result€13k-€14k▲ 6.6%€12k▼ 13.3%€11k▼ 10.2%€-25k

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 three years in a row; 2024 is 2% below 2023 and is the lowest year so far.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €141k

28.3%

71.7%

Fixed assets €40k▼ 50.0%

Current assets €101k▲ 18.9%

Equity and liabilities €141k

84.1%

15.9%

Equity €119k▼ 17.3%

Debt €22k▲ 4.8%

The debt ratio rises from 13.0% to 15.9%: debt grows while equity shrinks.

Key figures and ratios

2024 value · change against 2023

Solvency

84.1%▼

2023 · 87.0%

Current ratio

4.51▲

2023 · 3.97

Quick ratio

4.51▲

2023 · 3.97

Debt / equity

0.19▲

2023 · 0.15

ROE

-21.0%▼

2023 · 7.5%

ROA

-17.6%▼

2023 · 6.6%

Debt

€22k▲

2023 · €21k

Debt ≤ 1 year

€22k▲

2023 · €21k

Income taxes

€295▼

2023 · €5k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€165k€141k▼

Fixed assets21/28€80k€40k▼

Tangible fixed assets22/27€0-

Furniture and vehicles24€0-

Other tangible fixed assets26€0-

Financial fixed assets28€80k€40k▼

Current assets29/58€85k€101k▲

Amounts receivable within one year40/41€24k€38k▲

Trade receivables40€22k€30k▲

Other amounts receivable41€3k€8k▲

Cash at bank and in hand54/58€61k€63k▲

Equity and liabilities

Total equity and liabilities10/49€165k€141k▼

Equity10/15€144k€119k▼

Contributions10/11€12k€12k=

Reserves13€131k€131k=

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Distributable reserves133€129k€129k=

Profit (loss) carried forward14-€-25k

Amounts payable17/49€21k€22k▲

Amounts payable within one year42/48€21k€22k▲

Trade debts44€2k€2k▲

Suppliers440/4€2k€2k▲

Taxes, remuneration and social security45€5k€4k▼

Taxes450/3€5k€4k▼

Other amounts payable47/48€15k€17k▲

Income statement Code20232024

Other operating charges640/8€227€332▲

Gross operating margin9900€18k€17k▼

Operating profit (loss)9901€17k€17k▼

Financial income75/76B€579€0▼

Recurring financial income75€579€0▼

Financial charges65/66B€2k€42k▲

Recurring financial charges65€2k€2k▼

Non-recurring financial charges66B-€40k

Profit (loss) for the period before taxes9903€16k€-25k▼

Income taxes67/77€5k€295▼

Profit (loss) for the period9904€11k€-25k▼

Profit (loss) for the period to be appropriated9905€11k€-25k▼

Appropriation of the result

Profit (loss) to be appropriated9906€11k€-25k▼

Transfer to equity691/2€11k€0▼

To other reserves6921€11k€0▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 14Financial 4Filings 10

2025

09-12

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 131 days late

2024

31-12

Financial Weakest financial yearnet €-25k ▼330%

Net result drops to €-25k, the lowest in the series.

25-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

17-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 17 days late

2021

19-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 19 days late

2020

31-12

Financial Liquidity triplescurrent ratio 22.21

Current ratio from 7.00 to 22.21; short-term debt falls from €15k to €5k.

31-12

Financial Equity above €100kEq €109k ▲11.8%

3 profitable years in a row build equity to €109k.

17-07

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

31-12

Financial Liquidity doublescurrent ratio 7.00

Current ratio from 3.35 to 7.00; short-term debt falls from €35k to €15k.

28-06

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

31-08

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema · 31 days late

2017

30-08

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema · 30 days late

2016

26-08

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema · 26 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Pelt · 1 establishment unit since 2014

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.

Toekomstlaan 103910 Pelt

Ground area

1,550 m²

Building footprint

235 m²

Volume, LiDAR

1,573 m³

Parcel 72025B0947/00G002, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

GHITRO

Toekomstlaan 10, 3910 PeltFinancial service activities, except insurance and pension funding

since 20142.228.510.761

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72025B0947/00G002	Flanders	1,550 m²	1 · 235 m²	9.8 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.

Similar companies · same sector, comparable size

Chaudfontaine · Eq €119k

BVP Management & Investment

Of 82,201 companies in sector 70200 we hold annual accounts for 52,400. 40,707 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded24-02-2014

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

Sources

Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.