GILDED
ActiveSummary
GILDED has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38k and a net result of €-8k. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 84% of 2566 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability50▼-29
Solvency100▲+15
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 3.32 against 1.34 in 2024; short-term debt: 19.8% and cash: 11.4% of total assets), and 23.2% of the assets are financed with debt.
Credit check for your own amount and term
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
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
76.8%
Return on assets
-17.3%
Age of the figures
18 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
30 d late
2022
7 d late
2021
58 d late
2020
61 d late
2019
31 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close25-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€38k▼ 18.4%
2024 · €46k
Total assets
€49k▼ 36.2%
2024 · €77k
Net result
€-8k
2024 · €6k
Working capital
€23k▲ 114%
2024 · €11k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€14k▲ 23.5%€7k▼ 46.4%€9k▲ 20.8%€10k▲ 12.6%€-8k
Net result€11k▲ 1.3%€5k▼ 54.4%€6k▲ 10.6%€6k▲ 14.3%€-8k
Equity€29k▲ 61.1%€34k▲ 17.3%€40k▲ 16.3%€46k▲ 16.0%€38k▼ 18.4%
Total assets€50k▼ 0.2%€58k▲ 17.1%€90k▲ 55.1%€77k▼ 14.9%€49k▼ 36.2%
Debt€21k▼ 35.1%€24k▲ 16.8%€51k▲ 110%€31k▼ 39.3%€11k▼ 63.0%
Working capital€19k€26k▲ 35.0%€8k▼ 69.9%€11k▲ 36.2%€23k▲ 114%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €10k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €49k
Fixed assets
€17k ▼ 52.8%
Current assets
€32k ▼ 21.9%
Equity and liabilities €49k
Equity
€38k ▼ 18.4%
Debt
€11k ▼ 63.0%
Debt's share of the balance-sheet total falls from 40.0% to 23.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€8k▼
2024 · €26k
Cash flow
€8k▼
2024 · €22k
Current ratio
3.32▲
2024 · 1.34
Quick ratio
1.34▲
2024 · 0.68
Debt to equity
0.30▼
2024 · 0.67
ROE
-22.5%▼
2024 · 13.8%
ROA
-17.3%▼
2024 · 8.3%
Interest coverage
17.24▼
2024 · 40.89
Debt ≤ 1 year
€10k▼
2024 · €31k
Income taxes
€139▼
2024 · €3k
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 | - | - | - | €15k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €8k | €12k | €16k | €16k | ▲ 2.1% |
| Other operating charges640/8 | - | €468 | €698 | €2k | €1k | ▼ 36.0% |
| Non-recurring operating charges66A | - | - | - | - | €72 | - |
| Gross operating margin9900 | €23k | €16k | €21k | €28k | €10k | ▼ 65.4% |
| Operating profit (loss)9901 | €14k | €7k | €9k | €10k | €-8k | ▼ 182% |
| Financial income75/76B | - | €654 | €10 | €83 | €248 | ▲ 199% |
| Recurring financial income75 | €510 | €654 | €10 | €83 | €248 | ▲ 199% |
| Financial charges65/66B | - | €277 | €331 | €634 | €481 | ▼ 24.1% |
| Recurring financial charges65 | €491 | €277 | €331 | €634 | €481 | ▼ 24.1% |
| Profit (loss) for the period before taxes9903 | €14k | €8k | €8k | €9k | €-8k | ▼ 190% |
| Income taxes67/77 | €2k | €3k | €3k | €3k | €139 | ▼ 95.3% |
| Profit (loss) for the period9904 | €11k | €5k | €6k | €6k | €-8k | ▼ 233% |
| Profit (loss) for the period to be appropriated9905 | €11k | €5k | €6k | €6k | €-8k | ▼ 233% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €50k | €58k | €90k | €77k | €49k | ▼ 36.2% |
| Fixed assets21/28 | €17k | €8k | €40k | €36k | €17k | ▼ 52.8% |
| Tangible fixed assets22/27 | €16k | €8k | €39k | €35k | €16k | ▼ 53.5% |
| Plant, machinery and equipment23 | - | €1k | - | €10k | €5k | ▼ 46.1% |
| Furniture and vehicles24 | - | €7k | €39k | €25k | €11k | ▼ 56.5% |
| Financial fixed assets28 | €450 | €450 | €450 | €450 | €450 | = |
| Current assets29/58 | €33k | €50k | €51k | €41k | €32k | ▼ 21.9% |
| Stocks and contracts in progress3 | €3k | €19k | €19k | €20k | €19k | ▼ 6.3% |
| Stocks30/36 | - | €19k | €19k | €20k | €19k | ▼ 6.3% |
| Amounts receivable within one year40/41 | €12k | €13k | €13k | €6k | €4k | ▼ 28.3% |
| Trade receivables40 | - | €9k | €8k | €6k | €2k | ▼ 68.3% |
| Other amounts receivable41 | - | €4k | €5k | €207 | €2k | ▲ 1,042% |
| Cash at bank and in hand54/58 | €18k | €17k | €16k | €14k | €6k | ▼ 59.9% |
| Deferred charges and accrued income490/1 | - | €791 | €3k | €1k | €3k | ▲ 214% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €50k | €58k | €90k | €77k | €49k | ▼ 36.2% |
| Equity10/15 | €29k | €34k | €40k | €46k | €38k | ▼ 18.4% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €7k | €12k | €19k | €19k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | - | - | - |
| Distributable reserves133 | - | €5k | €11k | €19k | €19k | = |
| Profit (loss) carried forward14 | €9k | €9k | €9k | €9k | €187 | ▼ 97.8% |
| Amounts payable17/49 | €21k | €24k | €51k | €31k | €11k | ▼ 63.0% |
| Amounts payable after more than one year17 | €7k | - | €8k | - | - | - |
| Financial debts170/4 | - | - | €8k | - | - | - |
| Amounts payable within one year42/48 | €14k | €24k | €43k | €31k | €10k | ▼ 68.5% |
| Current portion of amounts payable after more than one year42 | - | €7k | €9k | €8k | - | - |
| Trade debts44 | €2k | €757 | €9k | €4k | €2k | ▼ 45.0% |
| Suppliers440/4 | - | €757 | €9k | €4k | €2k | ▼ 45.0% |
| Taxes, remuneration and social security45 | - | €5k | €12k | €7k | €4k | ▼ 44.6% |
| Taxes450/3 | - | €5k | €12k | €7k | €4k | ▼ 44.6% |
| Other amounts payable47/48 | - | €12k | €12k | €12k | €3k | ▼ 71.3% |
| Accrued charges and deferred income492/3 | - | - | - | - | €2k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11k | €5k | €6k | €6k | €-8k | ▼ 233% |
| + Depreciation and write-downs630 | €8k | €8k | €12k | €16k | €16k | ▲ 2.1% |
| Operating cash flow (approximation) | €19k | €13k | €17k | €22k | €8k | ▼ 64.7% |
| Investment in fixed assets (approximation) | - | €0 | €-43k | €-12k | €2k | ▲ 120% |
| Change in cash | - | €-2k | €-152 | €-2k | €-8k | ▼ 241% |
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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series.
31-03
Financial
Liquidity doublescurrent ratio 3.32
Current ratio from 1.34 to 3.32; short-term debt falls from €31k to €10k.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2022
07-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2021
28-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
31-03
Financial
Highest result since 2019net €11k ▲1.3%
Operating result €14k, net result €11k, both a record.
31-03
Financial
Liquidity triplescurrent ratio 2.36
Current ratio from 0.80 to 2.36; short-term debt falls from €32k to €14k.
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
31-03
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
15-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
23-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Bornem · 1 establishment unit since 1998
Ground area
404 m²
Building footprint
136 m²
Volume, LiDAR
667 m³
Parcel 12015A0274/00V000, Flanders · tallest building 9.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Gilded
since 19982.087.109.705
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12015A0274/00V000 | Flanders | 404 m² | 1 · 136 m² | 9.0 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 54 EUR awarded · 54 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 54 EUR | 54 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 846 companies in sector 95319 we hold annual accounts for 251. 177 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
Founded01-04-1998
Fiscal year end31-03
Activities, NACEBEL 2025
95319Other maintenance and repair of motor vehicles
Scores and ratios are computed by Checked and are not a credit decision.