Summary
Gika is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.8m and a net result of €138,418. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 74% of 2464 sector peers (fiscal year 2025). The company has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-12-2025 was due by 30-07-2026 and was filed on 11-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
57 d early
2023
55 d early
2022
39 d early
2021
53 d early
2020
45 d early
2019
37 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 48 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-12-2026 and is due by 30-07-2027. Nothing is late today. Usually files around 7 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-12-2026 close30-07-2027 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 What other support did companies like this one receive, and it did not?Public money 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, micro schema
In the rankings
#3 oldest company in Deerlijk, Finance and insurance sector#10 company by equity in Deerlijk, Finance and insurance sector
Equity
€1.8m▲ 8.5%
2024 · €1.6m
Net result
€138,418▼ 9.3%
2024 · €152,613
Total assets
€2.4m▲ 7.0%
2024 · €2.2m
Solvency
74.7%▲ 1.0pp
2024 · 73.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, 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-€6,645▲ 68.9%€178,730€105,915▼ 40.7%€213,252▲ 101%€203,697▼ 4.5%
Net result-€7,405below the sector's middle half▲ 78.1%€118,540above the sector's middle half€90,834above the sector's middle half▼ 23.4%€152,613above the sector's middle half▲ 68.0%€138,418above the sector's middle half▼ 9.3%
Equity€1.3mabove the sector's middle half▼ 0.6%€1.4mabove the sector's middle half▲ 9.4%€1.5mabove the sector's middle half▲ 6.6%€1.6mabove the sector's middle half▲ 10.4%€1.8mabove the sector's middle half▲ 8.5%
Total assets€1.9mabove the sector's middle half▲ 1.7%€1.9mabove the sector's middle half▲ 1.5%€2.0mabove the sector's middle half▲ 6.9%€2.2mabove the sector's middle half▲ 8.7%€2.4mabove the sector's middle half▲ 7.0%
Debt€608,897▲ 6.9%€458,406▼ 24.7%€498,308▲ 8.7%€521,318▲ 4.6%€537,705▲ 3.1%
Working capital€1,606within the sector's middle half€299,796above the sector's middle half▲ 18,564%€507,543above the sector's middle half▲ 69.3%€765,770above the sector's middle half▲ 50.9%€1.0mabove the sector's middle half▲ 37.1%
Solvency67.4%within the sector's middle half▼ 1.6pp72.7%within the sector's middle half▲ 5.3pp72.5%within the sector's middle half▼ 0.2pp73.6%within the sector's middle half▲ 1.1pp74.7%within the sector's middle half▲ 1.0pp
Current ratio1.00within the sector's middle half▲ 0.211.65within the sector's middle half▲ 0.652.02within the sector's middle half▲ 0.362.47within the sector's middle half▲ 0.452.95within the sector's middle half▲ 0.48
Return on assets (ROA)-0.4%below the sector's middle half▲ 1.4pp6.2%within the sector's middle half▲ 6.6pp4.5%within the sector's middle half▼ 1.8pp6.9%within the sector's middle half▲ 2.4pp5.9%within the sector's middle half▼ 1.1pp
Staff (FTE)1▲ 11.1%1.5▲ 50.0%1.6▲ 6.7%1▼ 37.5%1.2▲ 20.0%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
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 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.4m
Fixed assets
€772,039 ▼ 15.9%
Current assets
€1.6m ▲ 23.3%
Equity and liabilities €2.4m
Equity
€1.8m ▲ 8.5%
Provisions
€59,823 =
Debt
€537,705 ▲ 3.1%
Debt's share of the balance-sheet total falls from 23.6% to 22.8%. Equity and debt are higher.
Key figures and ratios
ROE
7.9%▼
2024 · 9.4%
Debt ≤ 1 year
€537,705▲
2024 · €521,318
Income taxes
€72,294▲
2024 · €60,033
Staff costs
€47,783▲
2024 · €22,617
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €15,075 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | €32,996 | €38,582 | €22,370 | €22,617 | €47,783 | ▲ 111% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €126,747 | €127,271 | €128,148 | €131,309 | €125,488 | ▼ 4.4% |
| Other operating charges640/8 | €13,520 | €14,322 | €14,527 | €17,107 | €12,750 | ▼ 25.5% |
| Gross operating margin9900 | €166,618 | €358,905 | €270,960 | €384,285 | €389,718 | ▲ 1.4% |
| Operating profit (loss)9901 | -€6,645 | €178,730 | €105,915 | €213,252 | €203,697 | ▼ 4.5% |
| Financial income75/76B | €44 | - | €34,537 | €27,219 | €39,366 | ▲ 44.6% |
| Recurring financial income75 | €44 | - | €34,537 | €27,219 | €39,366 | ▲ 44.6% |
| Financial charges65/66B | €235 | €367 | €25,023 | €27,825 | €32,351 | ▲ 16.3% |
| Recurring financial charges65 | €235 | €367 | €25,023 | €27,825 | €32,351 | ▲ 16.3% |
| Profit (loss) for the period before taxes9903 | -€6,837 | €178,363 | €115,429 | €212,646 | €210,711 | ▼ 0.9% |
| Transfer to deferred taxes680 | - | €59,823 | - | - | - | - |
| Income taxes67/77 | €568 | - | €24,595 | €60,033 | €72,294 | ▲ 20.4% |
| Profit (loss) for the period9904 | -€7,405 | €118,540 | €90,834 | €152,613 | €138,418 | ▼ 9.3% |
| Transfer to tax-exempt reserves689 | - | €179,468 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | -€7,405 | -€60,928 | €90,834 | €152,613 | €138,418 | ▼ 9.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.9m | €1.9m | €2.0m | €2.2m | €2.4m | ▲ 7.0% |
| Fixed assets21/28 | €1.3m | €1.1m | €1.0m | €917,527 | €772,039 | ▼ 15.9% |
| Tangible fixed assets22/27 | €1.3m | €1.1m | €1.0m | €895,048 | €769,560 | ▼ 14.0% |
| Land and buildings22 | €1.0m | €946,636 | €858,163 | €785,926 | €696,718 | ▼ 11.4% |
| Plant, machinery and equipment23 | €160,012 | €137,153 | €114,294 | €91,436 | €68,577 | ▼ 25.0% |
| Furniture and vehicles24 | €56,572 | €43,786 | €28,204 | €17,687 | €4,265 | ▼ 75.9% |
| Financial fixed assets28 | €2,479 | €12,479 | €22,479 | €22,479 | €2,479 | ▼ 89.0% |
| Current assets29/58 | €610,504 | €758,202 | €1.0m | €1.3m | €1.6m | ▲ 23.3% |
| Amounts receivable after more than one year29 | - | - | - | €1.0m | €1.1m | ▲ 8.0% |
| Other amounts receivable291 | - | - | - | €1.0m | €1.1m | ▲ 8.0% |
| Amounts receivable within one year40/41 | €158,834 | €521,996 | €778,398 | €85,594 | €351,970 | ▲ 311% |
| Trade receivables40 | €25,578 | €30,610 | €23,476 | €24,378 | €27,388 | ▲ 12.3% |
| Other amounts receivable41 | €133,256 | €491,386 | €754,922 | €61,216 | €324,582 | ▲ 430% |
| Cash at bank and in hand54/58 | €451,670 | €236,206 | €227,453 | €201,494 | €155,411 | ▼ 22.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.9m | €1.9m | €2.0m | €2.2m | €2.4m | ▲ 7.0% |
| Equity10/15 | €1.3m | €1.4m | €1.5m | €1.6m | €1.8m | ▲ 8.5% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €1.2m | €1.3m | €1.4m | €1.6m | €1.7m | ▲ 8.9% |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Tax-exempt reserves132 | €38,369 | €217,837 | €217,837 | €217,837 | €217,837 | = |
| Distributable reserves133 | €1.2m | €1.1m | €1.2m | €1.3m | €1.5m | ▲ 10.3% |
| Provisions and deferred taxes16 | - | €59,823 | €59,823 | €59,823 | €59,823 | = |
| Deferred taxes168 | - | €59,823 | €59,823 | €59,823 | €59,823 | = |
| Amounts payable17/49 | €608,897 | €458,406 | €498,308 | €521,318 | €537,705 | ▲ 3.1% |
| Amounts payable within one year42/48 | €608,897 | €458,406 | €498,308 | €521,318 | €537,705 | ▲ 3.1% |
| Trade debts44 | €222,667 | €21,042 | €15,184 | €17,067 | €3,939 | ▼ 76.9% |
| Suppliers440/4 | €222,667 | €21,042 | €15,184 | €17,067 | €3,939 | ▼ 76.9% |
| Taxes, remuneration and social security45 | €8,372 | €4,224 | €25,369 | €27,625 | €42,721 | ▲ 54.6% |
| Taxes450/3 | €3,500 | €3,500 | €23,960 | €25,075 | €37,294 | ▲ 48.7% |
| Remuneration and social security454/9 | €4,872 | €724 | €1,409 | €2,550 | €5,427 | ▲ 113% |
| Other amounts payable47/48 | €377,858 | €433,140 | €457,755 | €476,626 | €491,045 | ▲ 3.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€7,405 | €118,540 | €90,834 | €152,613 | €138,418 | ▼ 9.3% |
| + Depreciation and write-downs630 | €126,747 | €127,271 | €128,148 | €131,309 | €125,488 | ▼ 4.4% |
| Operating cash flow (approximation) | €119,343 | €245,812 | €218,982 | €283,921 | €263,906 | ▼ 7.0% |
| Investment in fixed assets (approximation) | - | -€7,445 | -€11,235 | -€25,695 | €20,000 | ▲ 178% |
| Change in cash | - | -€215,464 | -€8,753 | -€25,959 | -€46,083 | ▼ 77.5% |
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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-12
Financial
Highest result since 2018net €152,613 ▲68%
Operating result €213,252, net result €152,613, both a record.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-12
Financial
Back to profitnet €118,540
Net result €118,540 after 2 loss-making years.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-12
Financial
Weakest financial yearnet -€33,811
Net result drops to -€33,811, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
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.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has 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
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, Deerlijk · 2 establishment units since 1983
Ground area
1,918 m²
Building footprint
439 m²
Volume, LiDAR
2,596 m³
2 parcels, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
GIKA NV
since 19832.025.079.985
Gika NV
since 20242.354.681.037
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34009B0541/00F000 | Flanders | 1,351 m² | 1 · 165 m² | 9.5 m · 2 fl. |
| 34392C0162/00F000 | Flanders | 567 m² | 1 · 274 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
2025 · 1 entry · 2,670 EUR awarded · 2,670 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,670 EUR | 2,670 EUR |
Similar companies · same sector, comparable size
B&G Invest
BE 0688.974.667
Anzegem · Eq €1,762,622
Reynassur
BE 0452.829.256
Lochristi · Eq €1,769,090
Induver Brussel
BE 0751.741.486
Dilbeek · Eq €1,753,356
SCHYNS ASSURANCES
BE 0439.630.724
Herve · Eq €1,781,345
PLEVOETS VERZEKERINGEN
BE 0435.955.810
Sint-Truiden · Eq €1,783,158
Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 1,769 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded19-10-1983
Fiscal year end30-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0425661239
Also
9925:BE0425661239
Registered
14-05-2025
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.