GIACOMINO
ActiveGIACOMINO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18k and a net result of €-20k. Equity is growing by ~32% per year across the filed fiscal years. Its solvency ranks better than 15% of 637 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▼-86
Solvency35▼-24
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.26 against 2.44 in 2024; short-term debt: 47.7% and cash: 0.1% of total assets), and 90.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← 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
9.5%
Return on assets
-10.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 637 sector peers (2025).
NBB · sector comparisonPosition among 637 sector peers
Solvency
better than 15%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
39 d late
2023
69 d late
2022
38 d early
2021
101 d late
2020
90 d late
2019
62 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-20k
2024 · €45k
2018: €19k
2019: €19k
2020: €1k
2021: €6k
2022: €45k
2023: €65k
2024: €45k
2018 → 2025
Working capital
€23k▼ 73.1%
2024 · €84k
2018: €-50k
2019: €-32k
2020: €-40k
2021: €-43k
2022: €-2k
2023: €58k
2024: €84k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-98k-€-53k▲ 46.2%€12k€58k▲ 365%€18k▼ 69.5%
Operating result€18k-€53k▲ 196%€77k▲ 43.4%€71k▼ 7.5%€-9k
Net result€6k-€45k▲ 707%€65k▲ 43.5%€45k▼ 30.6%€-20k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €71k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €184k
Fixed assets
€74k▲ 166%
Current assets
€110k▼ 22.4%
Equity and liabilities €184k
Equity
€18k▼ 69.5%
Debt
€167k▲ 48.5%
The debt ratio rises from 66.1% to 90.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€12k▼
2024 · €78k
Cash flow
€1k▼
2024 · €53k
Solvency
9.5%▼
2024 · 33.9%
Current ratio
1.26▼
2024 · 2.44
Quick ratio
0.48▼
2024 · 1.27
Debt / equity
9.48▲
2024 · 1.95
ROE
-113.0%▼
2024 · 78.5%
ROA
-10.8%▼
2024 · 26.6%
Interest coverage
1.11▼
2024 · 7.64
Debt
€167k▲
2024 · €112k
Debt ≤ 1 year
€88k▲
2024 · €58k
Debt > 1 year
€79k▲
2024 · €54k
Staff costs
€34k▲
2024 · €17k
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€170k€184k▲
Fixed assets21/28€28k€74k▲
Tangible fixed assets22/27€28k€74k▲
Plant, machinery and equipment23€22k-
Furniture and vehicles24€6k€74k▲
Current assets29/58€142k€110k▼
Stocks and contracts in progress3€68k€68k▲
Stocks30/36€68k€68k▲
Amounts receivable within one year40/41€68k€42k▼
Trade receivables40€56k€38k▼
Other amounts receivable41€12k€4k▼
Cash at bank and in hand54/58€6k€148▼
Equity and liabilities
Total equity and liabilities10/49€170k€184k▲
Equity10/15€58k€18k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Profit (loss) carried forward14€39k€-1k▼
Amounts payable17/49€112k€167k▲
Amounts payable after more than one year17€54k€79k▲
Financial debts170/4€54k€79k▲
Amounts payable within one year42/48€58k€88k▲
Current portion of amounts payable after more than one year42€41k€40k▼
Financial debts43€0€1k▲
Credit institutions430/8€0€1k▲
Trade debts44€2k€326▼
Suppliers440/4€2k€326▼
Taxes, remuneration and social security45€16k€26k▲
Taxes450/3€16k€6k▼
Remuneration and social security454/9€132€20k▲
Other amounts payable47/48-€20k
Income statement
Code20242025
Remuneration, social security and pensions62€17k€34k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€21k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€116-
Gross operating margin9900€98k€48k▼
Operating profit (loss)9901€71k€-9k▼
Financial charges65/66B€10k€11k▲
Recurring financial charges65€10k€11k▲
Profit (loss) for the period before taxes9903€61k€-20k▼
Income taxes67/77€15k-
Profit (loss) for the period9904€45k€-20k▼
Profit (loss) for the period to be appropriated9905€45k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€-1k▼
Profit (loss) brought forward from the previous period14P€-6k€19k▲
Social balance
Average headcount (FTE)90871.01.0=
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-20k ▼144%
Net result drops to €-20k, the lowest in the series.
08-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 39 days late
2024
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 69 days late
2023
31-12
Financial
Highest result since 2018net €65k ▲43.5%
Operating result €77k, net result €65k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.65
Current ratio from 0.98 to 2.65; short-term debt falls from €112k to €35k.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
09-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 101 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 90 days late
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 62 days late
13-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 166 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 1 day late
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 345 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2017
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
18-09-2017
Patermo Giacomo: Resigned as Managing director
22-02-2017
MOLLE Patricia: Resigned as Manager
10-10-2014
MOLLE Patricia: Resigned as Managing director
Location & real-estate footprint
Registered office, Mons · 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.
Chaussée de Beaumont 372A7022 MonsGround area
1,918 m²
Building footprint
199 m²
Volume, LiDAR
955 m³
Parcel 53034C0140/00C000, Wallonia · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Beaumont 372, 7022 Mons
since 20102.186.813.530
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53034C0140/00C000 | Wallonia | 1,917 m² | 1 · 199 m² | 6.5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMons2.186.813.530
Similar companies · same sector, comparable size
Cru'Taste
BE 0764.567.955
Tielt · Eq €19k
LES AB'S
BE 0748.647.780
Soumagne · Eq €19k
La Finesse
BE 0751.854.126
Tongeren-Borgloon · Eq €16k
VERDONCK DESSERTS
BE 0872.726.519
Veurne · Eq €19k
MILAD ICE CREAM
BE 0607.962.940
Antwerpen · Eq €16k
Of 611 companies in sector 10520 we hold annual accounts for 236. 170 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-03-2010
Fiscal year end31-12
Activities, NACEBEL
10520Manufacture of food products
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.