GIFI
ActiveGIFI has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €119k and a net result of €175. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 57% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability1▼-4
Solvency66▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.19 against 0.15 in 2024), and 36.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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
63.6%
Return on assets
0.1%
Age of the figures
8 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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
114 d early
2023
19 d early
2022
22 d late
2021
17 d late
2020
89 d late
2019
90 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€119k▲ 0.1%
2024 · €119k
2018: €114k
2019: €110k
2020: €114k
2021: €115k
2022: €117k
2023: €118k
2024: €119k
2018 → 2025
Total assets
€188k▼ 5.2%
2024 · €198k
2018: €240k
2019: €231k
2020: €272k
2021: €231k
2022: €215k
2023: €214k
2024: €198k
2018 → 2025
Net result
€175▼ 86.0%
2024 · €1k
2018: €143
2019: €-4k
2020: €4k
2021: €2k
2022: €2k
2023: €1k
2024: €1k
2018 → 2025
Working capital
€-55k▲ 17.5%
2024 · €-67k
2018: €-3k
2019: €-20k
2020: €-54k
2021: €-57k
2022: €-65k
2023: €-71k
2024: €-67k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€115k-€117k▲ 1.4%€118k▲ 1.1%€119k▲ 1.1%€119k▲ 0.1%
Operating result€6k-€5k▼ 18.3%€3k▼ 25.3%€3k▼ 22.9%€535▼ 79.4%
Net result€2k-€2k▼ 1.6%€1k▼ 16.3%€1k▼ 5.8%€175▼ 86.0%
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 four years in a row; 2025 is 79% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €188k
Fixed assets
€175k▼ 6.2%
Current assets
€13k▲ 10.8%
Equity and liabilities €188k
Equity
€119k▲ 0.1%
Debt
€68k▼ 13.3%
The debt ratio falls from 39.8% to 36.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€12k▼
2024 · €14k
Cash flow
€11k▼
2024 · €13k
Solvency
63.6%▲
2024 · 60.2%
Current ratio
0.19▲
2024 · 0.15
Quick ratio
0.19▲
2024 · 0.15
Debt / equity
0.57▼
2024 · 0.66
ROE
0.1%▼
2024 · 1.0%
ROA
0.1%▼
2024 · 0.6%
Interest coverage
62.99▲
2024 · 16.66
Debt
€68k▼
2024 · €79k
Debt ≤ 1 year
€68k▼
2024 · €79k
Income taxes
€176▼
2024 · €489
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€198k€188k▼
Fixed assets21/28€186k€175k▼
Tangible fixed assets22/27€186k€175k▼
Land and buildings22€163k€156k▼
Plant, machinery and equipment23€22k€18k▼
Furniture and vehicles24€759€114▼
Current assets29/58€12k€13k▲
Amounts receivable within one year40/41€11k€12k▲
Trade receivables40€9k€11k▲
Other amounts receivable41€1k€971▼
Cash at bank and in hand54/58€1k€77▼
Deferred charges and accrued income490/1€168€536▲
Equity and liabilities
Total equity and liabilities10/49€198k€188k▼
Equity10/15€119k€119k▲
Contributions10/11€80k€80k=
Reserves13€14k€14k=
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€8k€8k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€25k€25k▲
Amounts payable17/49€79k€68k▼
Amounts payable within one year42/48€79k€68k▼
Current portion of amounts payable after more than one year42€11k-
Trade debts44€149€3k▲
Suppliers440/4€149€3k▲
Taxes, remuneration and social security45€969€664▼
Taxes450/3€969€664▼
Other amounts payable47/48€66k€65k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€16k€14k▼
Operating profit (loss)9901€3k€535▼
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€863€186▼
Recurring financial charges65€863€186▼
Profit (loss) for the period before taxes9903€2k€350▼
Income taxes67/77€489€176▼
Profit (loss) for the period9904€1k€175▼
Profit (loss) for the period to be appropriated9905€1k€175▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€25k▲
Profit (loss) brought forward from the previous period14P€24k€25k▲
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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
31-12
Financial
Weakest financial yearnet €-4k ▼2854%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
11-07
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
4 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 des XIV Bonniers(WD) 35100 NamurGround area
924 m²
Building footprint
151 m²
Volume, LiDAR
574 m³
Parcel 92136A0009/00S010, Wallonia · tallest building 4.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rue des XIV Bonniers(WD) 3, 5100 Namur
since 20082.200.098.867
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92136A0009/00S010 | Wallonia | 924 m² | 1 · 151 m² | 4.4 m · 1 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 82,218 companies in sector 70200 we hold annual accounts for 52,395. 40,695 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded10-04-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.