GILCHRIEST CONSULT
ActiveSummary
GILCHRIEST CONSULT has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €5k. Equity is shrinking by ~36.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 18% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+65
Solvency37▲+5
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.7 against 0.59 in 2024; short-term debt: 87.7% and cash: 61.4% of total assets), and 87.7% 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+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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
12.3%
Return on assets
5.1%
Age of the figures
17 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 28-11-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
2 d early
2023
2 d early
2022
2 d early
2021
4 d early
2020
on the day
2019
2 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-04-2026 and is due by 30-11-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-04-2026 close24-09-2026 today30-11-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€11k▲ 71.5%
2024 · €7k
2019: €14k
2020: €38k
2021: €23k
2022: €18k
2023: €13k
2024: €7k
2019 → 2025
Total assets
€92k▲ 2.0%
2024 · €90k
2019: €96k
2020: €129k
2021: €111k
2022: €104k
2023: €98k
2024: €90k
2019 → 2025
Net result
€5k
2024 · €-6k
2019: €-16k
2020: €25k
2021: €-15k
2022: €-5k
2023: €-5k
2024: €-6k
2019 → 2025
Working capital
€-24k▲ 30.0%
2024 · €-34k
2019: €-53k
2020: €-23k
2021: €-33k
2022: €-33k
2023: €-33k
2024: €-34k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€18k▼ 21.8%€13k▼ 29.1%€7k▼ 47.9%€11k▲ 71.5%
Operating result€-15k-€-5k▲ 69.0%€-5k▼ 4.5%€-6k▼ 19.8%€5k
Net result€-15k-€-5k▲ 67.4%€-5k▼ 4.4%€-6k▼ 16.6%€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €5k after a loss of €6k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €92k
Fixed assets
€35k ▼ 13.5%
Current assets
€57k ▲ 14.8%
Equity and liabilities €92k
Equity
€11k ▲ 71.5%
Debt
€81k ▼ 3.4%
Debt's share of the balance-sheet total falls from 92.7% to 87.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▲
2024 · €-376
Cash flow
€10k▲
2024 · €-547
Current ratio
0.70▲
2024 · 0.59
Debt to equity
7.15▼
2024 · 12.70
ROE
41.7%▲
2024 · -91.9%
ROA
5.1%▲
2024 · -6.7%
Interest coverage
30.64▲
2024 · -1.15
Debt ≤ 1 year
€81k▼
2024 · €84k
Income taxes
€0=
2024 · €0
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€90k€92k▲
Fixed assets21/28€41k€35k▼
Tangible fixed assets22/27€41k€35k▼
Land and buildings22€40k€34k▼
Furniture and vehicles24-€0
Other tangible fixed assets26€932€818▼
Current assets29/58€50k€57k▲
Amounts receivable within one year40/41€2k€397▼
Trade receivables40€0€0=
Other amounts receivable41€2k€397▼
Cash at bank and in hand54/58€48k€57k▲
Equity and liabilities
Total equity and liabilities10/49€90k€92k▲
Equity10/15€7k€11k▲
Contributions10/11€6k€6k=
Reserves13€22k€22k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€22k€22k=
Profit (loss) carried forward14€-21k€-16k▲
Amounts payable17/49€84k€81k▼
Amounts payable within one year42/48€84k€81k▼
Trade debts44€175€144▼
Suppliers440/4€175€144▼
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€83k€81k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€2k€12k▲
Operating profit (loss)9901€-6k€5k▲
Financial income75/76B€156€255▲
Recurring financial income75€156€255▲
Financial charges65/66B€327€336▲
Recurring financial charges65€327€336▲
Profit (loss) for the period before taxes9903€-6k€5k▲
Income taxes67/77€0€0=
Profit (loss) for the period9904€-6k€5k▲
Profit (loss) for the period to be appropriated9905€-6k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-21k€-16k▲
Profit (loss) brought forward from the previous period14P€-15k€-21k▼
The notes to these accounts (4 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
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-04
Financial
Back to profitnet €5k
Net result €5k after 4 loss-making years.
2024
28-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
26-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-04
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
2019
02-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 2 days late
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
30-11
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Tournai · 1 establishment unit since 2003
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 de la Tête d'Or(TOU) 267500 TournaiGround area
447 m²
Building footprint
329 m²
Volume, LiDAR
4,692 m³
Parcel 57081H0001/00D000, Wallonia · tallest building 16.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Gilchriest Consult
since 20032.135.879.919
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57081H0001/00D000 | Wallonia | 446 m² | 1 · 329 m² | 16.6 m · 5 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.
Similar companies · same sector, comparable size
TOPCONSULTING
BE 0887.867.031
Heist-op-den-Berg · Eq €11,292
A. CHARPENTIER
BE 1010.534.716
Welkenraedt · Eq €11,288
m2 Solutio
BE 0679.945.848
Westerlo · Eq €11,287
WHALE
BE 0471.639.140
Gent · Eq €11,286
H.R.P.B.
BE 0892.440.778
Enghien · Eq €11,285
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 24,312 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2003
Fiscal year end30-04
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.