GICOM
ActiveGICOM has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €461k and a net result of €197k. Equity is shrinking by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 33% of 256 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-2
Solvency49▼-11
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.29 against 1.52 in 2024; short-term debt: 74.8% and cash: 58.7% of total assets), and 76.2% 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 · 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 58
Relative position
BE, all sectors
reference
Sector 58
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
23.8%
Return on assets
10.2%
Age of the figures
9 mo
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 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
30 d early
2023
58 d early
2022
5 d early
2021
10 d late
2020
31 d early
2019
28 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€461k▼ 51.4%
2024 · €948k
2018: €766k
2019: €786k
2020: €657k
2021: €562k
2022: €436k
2023: €625k
2024: €948k
2018 → 2025
Total assets
€1.93M▼ 28.5%
2024 · €2.70M
2018: €3.49M
2019: €3.57M
2020: €3.88M
2021: €2.99M
2022: €2.18M
2023: €3.03M
2024: €2.70M
2018 → 2025
Net result
€197k▼ 38.8%
2024 · €323k
2018: €21k
2019: €21k
2020: €-130k
2021: €393k
2022: €-126k
2023: €189k
2024: €323k
2018 → 2025
Working capital
€415k▼ 53.6%
2024 · €894k
2018: €228k
2019: €198k
2020: €101k
2021: €510k
2022: €383k
2023: €550k
2024: €894k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€562k-€436k▼ 22.4%€625k▲ 43.3%€948k▲ 51.6%€461k▼ 51.4%
Operating result€517k-€-137k€222k€461k▲ 108%€275k▼ 40.3%
Net result€393k-€-126k€189k€323k▲ 70.8%€197k▼ 38.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.93M
Fixed assets
€72k▼ 1.6%
Current assets
€1.86M▼ 29.3%
Equity and liabilities €1.93M
Equity
€461k▼ 51.4%
Debt
€1.47M▼ 16.1%
The debt ratio rises from 64.9% to 76.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€311k▼
2024 · €480k
Cash flow
€233k▼
2024 · €342k
Solvency
23.8%▼
2024 · 35.1%
Current ratio
1.29▼
2024 · 1.52
Quick ratio
1.29▼
2024 · 1.49
Debt / equity
3.19▲
2024 · 1.85
ROE
42.9%▲
2024 · 34.0%
ROA
10.2%▼
2024 · 11.9%
Interest coverage
75.53▼
2024 · 105.07
Debt
€1.47M▼
2024 · €1.75M
Debt ≤ 1 year
€1.44M▼
2024 · €1.73M
Debt > 1 year
€16k
Income taxes
€77k▼
2024 · €136k
Staff costs
€770k▲
2024 · €720k
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€2.70M€1.93M▼
Fixed assets21/28€73k€72k▼
Tangible fixed assets22/27€36k€57k▲
Plant, machinery and equipment23€27k€26k▼
Furniture and vehicles24€8k€31k▲
Financial fixed assets28€38k€15k▼
Current assets29/58€2.63M€1.86M▼
Stocks and contracts in progress3€43k-
Contracts in progress37€43k-
Amounts receivable within one year40/41€986k€643k▼
Trade receivables40€983k€608k▼
Other amounts receivable41€3k€35k▲
Cash at bank and in hand54/58€1.57M€1.13M▼
Deferred charges and accrued income490/1€26k€82k▲
Equity and liabilities
Total equity and liabilities10/49€2.70M€1.93M▼
Equity10/15€948k€461k▼
Contributions10/11€54k€54k=
Reserves13€894k€407k▼
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Tax-exempt reserves132€13k€13k=
Distributable reserves133€876k€389k▼
Amounts payable17/49€1.75M€1.47M▼
Amounts payable after more than one year17-€16k
Financial debts170/4-€16k
Amounts payable within one year42/48€1.73M€1.44M▼
Current portion of amounts payable after more than one year42-€7k
Trade debts44€1.08M€1.06M▼
Suppliers440/4€1.08M€1.06M▼
Advances received on contracts in progress46€417k€143k▼
Taxes, remuneration and social security45€224k€231k▲
Taxes450/3€145k€136k▼
Remuneration and social security454/9€79k€95k▲
Other amounts payable47/48€14k-
Accrued charges and deferred income492/3€20k€10k▼
Income statement
Code20242025
Remuneration, social security and pensions62€720k€770k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€36k▲
Other operating charges640/8€1.86M€1.76M▼
Gross operating margin9900€3.06M€2.84M▼
Operating profit (loss)9901€461k€275k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€459k€274k▼
Income taxes67/77€136k€77k▼
Profit (loss) for the period9904€323k€197k▼
Profit (loss) for the period to be appropriated9905€323k€197k▼
Appropriation of the result
Profit (loss) to be appropriated9906€323k€197k▼
Transfer from equity791/2-€685k
Transfer to equity691/2€323k€197k▼
To other reserves6921€323k€197k▼
Profit to be distributed694/7-€685k
Return on contributions (dividend)694-€685k
Social balance
Average headcount (FTE)90878.58.2▼
The notes to these accounts (14 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €189k
Net result €189k after one loss-making year.
31-12
Financial
Equity above €500kEq €625k ▲43.3%
Equity rises from €436k to €625k.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 10 days late
2021
31-12
Financial
Back to profitnet €393k
Net result €393k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-130k ▼728%
Net result drops to €-130k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 1 day late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 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, Kontich · 1 establishment unit since 2013
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.
Pluyseghemstraat 502550 KontichGround area
583 m²
Building footprint
135 m²
Volume, LiDAR
1,069 m³
Parcel 11024B0171/00S000, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Matter
since 20132.217.047.143
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0171/00S000 | Flanders | 583 m² | 1 · 135 m² | 10.3 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 1,905 EUR awarded · 1,893 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 239 EUR | 400 EUR |
| 2022 | 1 | 1,666 EUR | 1,493 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 151 companies in sector 58120 we hold annual accounts for 70. 44 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded02-05-1983
Fiscal year end31-12
Activities, NACEBEL
58130Publishing activities
58120Publishing activities
58140Publishing activities
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.