GIJBELS CONSULTING

Active

Private limited companyfounded 20205 yrs activeWeg naar Heks 2A, 3840 Tongeren-Borgloon, BelgiumKBO/BCE: BE 0757.862.483

GIJBELS CONSULTING has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €148k and a net result of €51k. Equity is growing by ~39.7% per year across the filed fiscal years. Its solvency ranks better than 31% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2025

74 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability84▼-1

Solvency60▼-6

Growth78=

Track record94

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €10k at 30 days acceptable

Liquidity tight (current ratio 1.25 against 1.91 in 2024; short-term debt: 29.8% and cash: 18.9% of total assets), and 65% 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

Six 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 62

Relative position

BE, all sectors

reference

Sector 62

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

35%

Return on assets

12%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

3 d early

2024

25 d late

2023

28 d late

2022

31 d early

2021

25 d early

← before the deadline after the deadline →

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 months

Position in the running window

17-09-2026 today31-12-2026 close31-07-2027 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 2025, micro schema

Equity

€148k▼ 14.1%

2024 · €172k

2021: €22k 2022: €71k 2023: €117k 2024: €172k

2021 → 2025

Total assets

€422k▲ 0.5%

2024 · €420k

2021: €61k 2022: €124k 2023: €413k 2024: €420k

2021 → 2025

Net result

€51k▼ 8.9%

2024 · €56k

2021: €17k 2022: €49k 2023: €45k 2024: €56k

2021 → 2025

Working capital

€31k▼ 48.5%

2024 · €61k

2021: €17k 2022: €58k 2023: €11k 2024: €61k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€22k-€71k▲ 223%€117k▲ 63.4%€172k▲ 47.6%€148k▼ 14.1%

Operating result€25k-€69k▲ 172%€74k▲ 6.3%€90k▲ 22.9%€79k▼ 12.6%

Net result€17k-€49k▲ 188%€45k▼ 8.2%€56k▲ 22.6%€51k▼ 8.9%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 13% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €422k

62.8%

37.2%

Fixed assets €265k▼ 9.6%

Current assets €157k▲ 23.7%

Equity and liabilities €422k

35.0%

65.0%

Equity €148k▼ 14.1%

Debt €274k▲ 10.6%

The debt ratio rises from 59.0% to 65.0%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€107k▼

2024 · €119k

Cash flow

€79k▼

2024 · €84k

Solvency

35.0%▼

2024 · 41.0%

Current ratio

1.25▼

2024 · 1.91

Quick ratio

1.25▼

2024 · 1.91

Debt / equity

1.86▲

2024 · 1.44

ROE

34.2%▲

2024 · 32.2%

ROA

12.0%▼

2024 · 13.2%

Interest coverage

11.19▲

2024 · 10.90

Debt

€274k▲

2024 · €248k

Debt ≤ 1 year

€126k▲

2024 · €66k

Debt > 1 year

€148k▼

2024 · €181k

Income taxes

€20k▼

2024 · €25k

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€420k€422k▲

Fixed assets21/28€294k€265k▼

Tangible fixed assets22/27€294k€265k▼

Land and buildings22€223k€216k▼

Plant, machinery and equipment23€2k€2k▼

Furniture and vehicles24€6k€3k▼

Leasing and similar rights25€62k€45k▼

Current assets29/58€127k€157k▲

Amounts receivable after more than one year29€10k€5k▼

Other amounts receivable291€10k€5k▼

Amounts receivable within one year40/41€52k€69k▲

Trade receivables40€35k€37k▲

Other amounts receivable41€17k€32k▲

Cash at bank and in hand54/58€61k€80k▲

Deferred charges and accrued income490/1€3k€3k▼

Equity and liabilities

Total equity and liabilities10/49€420k€422k▲

Equity10/15€172k€148k▼

Contributions10/11€5k€5k=

Reserves13€167k€143k▼

Distributable reserves133€167k€143k▼

Profit (loss) carried forward14-€0

Amounts payable17/49€248k€274k▲

Amounts payable after more than one year17€181k€148k▼

Financial debts170/4€181k€148k▼

Amounts payable within one year42/48€66k€126k▲

Current portion of amounts payable after more than one year42€32k€33k▲

Trade debts44€2k€2k▲

Suppliers440/4€2k€2k▲

Taxes, remuneration and social security45€33k€24k▼

Taxes450/3€33k€24k▼

Other amounts payable47/48-€66k

Accrued charges and deferred income492/3€449€534▲

Income statement Code20242025

Non-recurring operating income76A€0-

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▲

Other operating charges640/8€4k€3k▼

Gross operating margin9900€122k€111k▼

Operating profit (loss)9901€90k€79k▼

Financial income75/76B€1k€1k▲

Recurring financial income75€1k€1k▲

Financial charges65/66B€11k€10k▼

Recurring financial charges65€11k€10k▼

Profit (loss) for the period before taxes9903€81k€71k▼

Income taxes67/77€25k€20k▼

Profit (loss) for the period9904€56k€51k▼

Profit (loss) for the period to be appropriated9905€56k€51k▼

Appropriation of the result

Profit (loss) to be appropriated9906€56k€51k▼

Transfer from equity791/2-€66k

Transfer to equity691/2€56k€42k▼

To other reserves6921€56k€42k▼

Profit to be distributed694/7-€75k

Return on contributions (dividend)694-€66k

Directors or managers695-€9k

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 3Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

28-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

25-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 25 days late

2024

31-12

Financial Highest result since 2021net €56k ▲22.6%

Operating result €90k, net result €56k, both a record.

31-12

Financial Equity above €150kEq €172k ▲47.6%

4 profitable years in a row build equity to €172k.

28-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 28 days late

2023

31-12

Financial Equity above €100kEq €117k ▲63.4%

3 profitable years in a row build equity to €117k.

30-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

06-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

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, Tongeren-Borgloon · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Weg naar Heks 2A3840 Tongeren-Borgloon

Ground area

596 m²

Building footprint

99 m²

Volume, LiDAR

26 m³

Parcel 73009E0479/00L000, Flanders · tallest building 3.9 m. Linked by address, not a title deed.

1 establishment unit

GIJBELS CONSULTING

Weg naar Heks 2A, 3840 Tongeren-BorgloonRetail trade

since 20202.309.518.827

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
73009E0479/00L000	Flanders	596 m²	1 · 99 m²	3.9 m

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

Nieuwpoort · Eq €148k

MAARTEN VAN DEN HEUVEL

Liedekerke · Eq €148k

Of 29,992 companies in sector 62200 we hold annual accounts for 18,386. 15,343 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded06-11-2020

Fiscal year end31-12

Activities, NACEBEL

62020IT consultancy

62200Computer consultancy and computer facilities management

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

Website:www.gijbels-consulting.be

Enterprise

E-mail:annelies@gijbels-consulting.be

Enterprise