GIFT - POINT
ActiveSummary
GIFT - POINT has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €424,603 and a net result of €36,312. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 95% of 8161 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability79▲+61
Solvency100=
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 29.36 against 66.77 in 2024; short-term debt: 3.4% and cash: 13% of total assets), and 3.4% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 · 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
96.6%
Return on assets
8.3%
Age of the figures
15 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
on the day
2023
on the day
2022
1 d early
2021
5 d early
2020
1 d early
2019
9 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 3 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 30 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€424,603▲ 9.4%
2024 · €388,291
Total assets
€439,510▲ 11.5%
2024 · €394,194
Net result
€36,312
2024 · -€2,912
Working capital
€422,727▲ 8.9%
2024 · €388,236
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€17,298▼ 21.3%-€11,841▲ 31.5%€16,977-€11,143€29,178
Net result-€17,579below the sector's middle half▼ 20.0%-€12,029below the sector's middle half▲ 31.6%€15,280within the sector's middle half-€2,912within the sector's middle half€36,312within the sector's middle half
Equity€387,952above the sector's middle half▼ 4.3%€375,923above the sector's middle half▼ 3.1%€391,203above the sector's middle half▲ 4.1%€388,291above the sector's middle half▼ 0.7%€424,603within the sector's middle half▲ 9.4%
Total assets€439,242above the sector's middle half▼ 24.7%€390,039within the sector's middle half▼ 11.2%€407,942above the sector's middle half▲ 4.6%€394,194within the sector's middle half▼ 3.4%€439,510within the sector's middle half▲ 11.5%
Debt€51,289▼ 71.1%€14,116▼ 72.5%€16,738▲ 18.6%€5,903▼ 64.7%€14,907▲ 153%
Working capital€375,082above the sector's middle half▼ 2.0%€374,536above the sector's middle half▼ 0.1%€390,571above the sector's middle half▲ 4.3%€388,236above the sector's middle half▼ 0.6%€422,727within the sector's middle half▲ 8.9%
Solvency88.3%above the sector's middle half▲ 18.8pp96.4%above the sector's middle half▲ 8.1pp95.9%above the sector's middle half▼ 0.5pp98.5%above the sector's middle half▲ 2.6pp96.6%above the sector's middle half▼ 1.9pp
Current ratio8.31above the sector's middle half▲ 5.1127.53above the sector's middle half▲ 19.2224.33above the sector's middle half▼ 3.2066.77above the sector's middle half▲ 42.4329.36above the sector's middle half▼ 37.41
Return on assets (ROA)-4.0%below the sector's middle half▼ 1.5pp-3.1%below the sector's middle half▲ 0.9pp3.7%within the sector's middle half▲ 6.8pp-0.7%within the sector's middle half▼ 4.5pp8.3%within the sector's middle half▲ 9.0pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €29,178 after a loss of €11,143 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €439,510
Fixed assets
€1,877 ▲ 3,285%
Current assets
€437,633 ▲ 11.0%
Equity and liabilities €439,510
Equity
€424,603 ▲ 9.4%
Debt
€14,907 ▲ 153%
Debt's share of the balance-sheet total rises from 1.5% to 3.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€29,703▲
2024 · -€10,566
Cash flow
€36,837▲
2024 · -€2,336
Debt to equity
0.04▲
2024 · 0.02
ROE
8.6%▲
2024 · -0.8%
Interest coverage
105.66▲
2024 · -36.85
Debt ≤ 1 year
€14,907▲
2024 · €5,903
Income taxes
€3,600
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,371 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,371 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €585 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,643 | €12,608 | €755 | €577 | €525 | ▼ 9.0% |
| Other operating charges640/8 | - | €2,175 | €2,294 | €2,403 | €1,162 | ▼ 51.7% |
| Gross operating margin9900 | -€439 | €2,941 | €20,026 | -€8,163 | €30,864 | ▲ 478% |
| Operating profit (loss)9901 | -€17,298 | -€11,841 | €16,977 | -€11,143 | €29,178 | ▲ 362% |
| Financial income75/76B | - | €1 | - | €8,518 | €11,016 | ▲ 29.3% |
| Recurring financial income75 | - | €1 | - | €8,518 | €11,016 | ▲ 29.3% |
| Financial charges65/66B | - | €189 | €197 | €287 | €281 | ▼ 2.0% |
| Recurring financial charges65 | €280 | €189 | €197 | €287 | €281 | ▼ 2.0% |
| Profit (loss) for the period before taxes9903 | -€17,579 | -€12,029 | €16,780 | -€2,912 | €39,912 | ▲ 1,470% |
| Income taxes67/77 | - | - | €1,500 | - | €3,600 | - |
| Profit (loss) for the period9904 | -€17,579 | -€12,029 | €15,280 | -€2,912 | €36,312 | ▲ 1,347% |
| Profit (loss) for the period to be appropriated9905 | -€17,579 | -€12,029 | €15,280 | -€2,912 | €36,312 | ▲ 1,347% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €439,242 | €390,039 | €407,942 | €394,194 | €439,510 | ▲ 11.5% |
| Fixed assets21/28 | €12,870 | €1,387 | €632 | €55 | €1,877 | ▲ 3,285% |
| Tangible fixed assets22/27 | €12,870 | €1,387 | €632 | €55 | €1,877 | ▲ 3,285% |
| Furniture and vehicles24 | - | €1,387 | €632 | €55 | €1,877 | ▲ 3,285% |
| Current assets29/58 | €426,372 | €388,652 | €407,310 | €394,139 | €437,633 | ▲ 11.0% |
| Amounts receivable within one year40/41 | €21,421 | €25,583 | €23,046 | €32,995 | €57,997 | ▲ 75.8% |
| Trade receivables40 | - | €25,583 | €23,033 | €21,496 | €40,060 | ▲ 86.4% |
| Other amounts receivable41 | - | - | €12 | €11,499 | €17,937 | ▲ 56.0% |
| Current investments50/53 | €358,068 | €356,068 | €378,068 | €353,753 | €320,000 | ▼ 9.5% |
| Cash at bank and in hand54/58 | €45,168 | €5,627 | €4,481 | €5,723 | €57,288 | ▲ 901% |
| Deferred charges and accrued income490/1 | - | €1,375 | €1,716 | €1,667 | €2,348 | ▲ 40.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €439,242 | €390,039 | €407,942 | €394,194 | €439,510 | ▲ 11.5% |
| Equity10/15 | €387,952 | €375,923 | €391,203 | €388,291 | €424,603 | ▲ 9.4% |
| Contributions10/11 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €351,860 | €351,860 | €366,860 | €366,860 | €402,860 | ▲ 9.8% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | €350,000 | €365,000 | €366,860 | €402,860 | ▲ 9.8% |
| Profit (loss) carried forward14 | €23,692 | €11,663 | €11,943 | €9,031 | €9,343 | ▲ 3.5% |
| Amounts payable17/49 | €51,289 | €14,116 | €16,738 | €5,903 | €14,907 | ▲ 153% |
| Amounts payable within one year42/48 | €51,289 | €14,116 | €16,738 | €5,903 | €14,907 | ▲ 153% |
| Trade debts44 | €1,062 | €1,054 | €926 | €1,130 | €1,120 | ▼ 0.9% |
| Suppliers440/4 | - | €1,054 | €926 | €1,130 | €1,120 | ▼ 0.9% |
| Taxes, remuneration and social security45 | - | €6,668 | €6,405 | €4,755 | €13,786 | ▲ 190% |
| Taxes450/3 | - | €6,668 | €6,405 | €4,755 | €11,170 | ▲ 135% |
| Remuneration and social security454/9 | - | - | - | - | €2,616 | - |
| Other amounts payable47/48 | - | €6,395 | €9,407 | €18 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€17,579 | -€12,029 | €15,280 | -€2,912 | €36,312 | ▲ 1,347% |
| + Depreciation and write-downs630 | €14,643 | €12,608 | €755 | €577 | €525 | ▼ 9.0% |
| Operating cash flow (approximation) | -€2,935 | €578 | €16,035 | -€2,336 | €36,837 | ▲ 1,677% |
| Investment in fixed assets (approximation) | - | -€1,125 | €0 | €0 | -€2,346 | - |
| Change in cash | - | -€39,541 | -€1,146 | €1,243 | €51,564 | ▲ 4,049% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Back to profitnet €36,312
Net result €36,312 after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Liquidity triplescurrent ratio 66.77
Current ratio from 24.33 to 66.77; short-term debt falls from €16,738 to €5,903.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €15,280
Net result €15,280 after 4 loss-making years.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity triplescurrent ratio 27.53
Current ratio from 8.31 to 27.53; short-term debt falls from €51,289 to €14,116.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet -€17,579
Net result drops to -€17,579, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity triplescurrent ratio 8.31
Current ratio from 3.20 to 8.31; short-term debt falls from €173,715 to €51,289.
30-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
22-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-01
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.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Dilbeek · 1 establishment unit since 2003
Ground area
1,650 m²
Building footprint
206 m²
Volume, LiDAR
1,348 m³
Parcel 23037B0377/00D002, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Plankenstraat 2, 1701 Dilbeek
since 20032.123.187.765
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23037B0377/00D002 | Flanders | 1,650 m² | 1 · 206 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
Capi-Lux Belgium
BE 0434.769.638
Antwerpen · Eq €424,701
DIALOGO
BE 0428.062.681
Sint-Pieters-Woluwe · Eq €422,323
KNUFFEL
BE 0448.462.573
Zedelgem · Eq €422,018
DI VARODI
BE 0446.120.222
Edegem · Eq €418,471
LEYSSENS EN Co
BE 0443.303.856
Herent · Eq €418,272
Of 1,567 companies in sector 46900 we hold annual accounts for 920. 668 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-10-2002
Fiscal year end30-06
Activities, NACEBEL 2025
46900Non-specialised wholesale trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0478463782
Also
9925:BE0478463782
Registered
20-11-2020
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.