GINDER

Active

Private limited companyfounded 20214 yrs activeHoveniersdreef 29, 3001 Leuven, BelgiumKBO/BCE: BE 0775.573.297

GINDER has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €87k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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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

Profitability100=

Solvency27▼-73

Growth58▼-20

Track record94

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven 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 70

Relative position

BE, all sectors

reference

Sector 70

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

2.1%

Return on assets

61.9%

Age of the figures

12 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 31642 sector peers (2025).

NBB · sector comparison

Position among 31642 sector peers

Solvency

better than 10%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-03-2026, 34 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

34 d early

2024

29 d early

2023

36 d early

2022

2 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

21-09-2026 today30-09-2026 close30-04-2027 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

€3k▼ 97.9%

2024 · €143k

2022: €29k 2023: €52k 2024: €143k

2022 → 2025

Total assets

€141k▼ 19.2%

2024 · €175k

2022: €57k 2023: €76k 2024: €175k

2022 → 2025

Net result

€87k▼ 4.7%

2024 · €92k

2022: €27k 2023: €25k 2024: €92k

2022 → 2025

Working capital

€-19k

2024 · €122k

2022: €24k 2023: €46k 2024: €122k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€29k-€52k▲ 79.2%€143k▲ 177%€3k▼ 97.9%

Operating result€35k-€31k▼ 11.1%€118k▲ 279%€118k=

Net result€27k-€25k▼ 10.7%€92k▲ 274%€87k▼ 4.7%

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 0% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €141k

20.9%

79.1%

Fixed assets €30k▲ 6.4%

Current assets €112k▼ 24.0%

Equity and liabilities €141k

97.9%

Equity €3k▼ 97.9%

Debt €138k▲ 341%

The debt ratio rises from 18.0% to 97.9%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€122k▲

2024 · €122k

Cash flow

€91k▼

2024 · €95k

Solvency

2.1%▼

2024 · 82.0%

Current ratio

0.85▼

2024 · 5.98

Quick ratio

0.85▼

2024 · 5.98

Debt / equity

46.09▲

2024 · 0.22

ROA

61.9%▲

2024 · 52.5%

Interest coverage

26.88▼

2024 · 100.06

Debt

€138k▲

2024 · €31k

Debt ≤ 1 year

€131k▲

2024 · €25k

Income taxes

€27k▲

2024 · €26k

A ratio outside any meaningful range has been withheld (balance sheet total €141k, equity €3k).

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€175k€141k▼

Fixed assets21/28€28k€30k▲

Tangible fixed assets22/27€27k€29k▲

Plant, machinery and equipment23€4k€3k▼

Furniture and vehicles24€3k€3k▲

Other tangible fixed assets26€20k€22k▲

Financial fixed assets28€1k€1k=

Current assets29/58€147k€112k▼

Amounts receivable within one year40/41€76k€50k▼

Trade receivables40€68k€44k▼

Other amounts receivable41€8k€5k▼

Cash at bank and in hand54/58€64k€55k▼

Deferred charges and accrued income490/1€6k€7k▲

Equity and liabilities

Total equity and liabilities10/49€175k€141k▼

Equity10/15€143k€3k▼

Contributions10/11€3k€3k=

Profit (loss) carried forward14€140k€0▼

Amounts payable17/49€31k€138k▲

Amounts payable within one year42/48€25k€131k▲

Financial debts43€157€283▲

Other loans439€157€283▲

Trade debts44€5k€5k▼

Suppliers440/4€5k€5k▼

Taxes, remuneration and social security45€19k€39k▲

Taxes450/3€19k€39k▲

Other amounts payable47/48€0€87k▲

Accrued charges and deferred income492/3€7k€7k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲

Other operating charges640/8€906€935▲

Gross operating margin9900€123k€123k▲

Operating profit (loss)9901€118k€118k=

Financial income75/76B€1k€578▼

Recurring financial income75€1k€578▼

Financial charges65/66B€1k€5k▲

Recurring financial charges65€1k€5k▲

Profit (loss) for the period before taxes9903€118k€114k▼

Income taxes67/77€26k€27k▲

Profit (loss) for the period9904€92k€87k▼

Profit (loss) for the period to be appropriated9905€92k€87k▼

Appropriation of the result

Profit (loss) to be appropriated9906€140k€228k▲

Profit (loss) brought forward from the previous period14P€49k€140k▲

Profit to be distributed694/7€0€228k▲

Return on contributions (dividend)694€0€228k▲

The notes to these accounts (10 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 7Financial 3Filings 4

Next filing, fiscal year 2026, expected by 30-04-2027

2026

27-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

01-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-09

Financial Highest result since 2022net €92k ▲274%

Operating result €118k, net result €92k, both a record.

30-09

Financial Equity above €100kEq €143k ▲177%

3 profitable years in a row build equity to €143k.

25-03

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-09

Financial Weakest financial yearnet €25k ▼10.7%

Net result drops to €25k, the lowest in the series; recovery starts the following year.

02-05

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 2 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Leuven · 1 establishment unit since 2021

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.

Hoveniersdreef 293001 Leuven

Ground area

670 m²

Building footprint

73 m²

Volume, LiDAR

703 m³

Parcel 24433E0292/00E002, Flanders · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

GINDER

Hoveniersdreef 29, 3001 LeuvenOther software publishing

since 20212.323.098.926

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24433E0292/00E002	Flanders	670 m²	1 · 73 m²	11.9 m · 3 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

Van Gelder Consultancy

BE 0727.619.566

Scherpenheuvel-Zichem · Eq €3k

Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 11,208 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded11-10-2021

Fiscal year end30-09

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

62020IT consultancy

62900Other information technology and computer services

62200Computer consultancy and computer facilities management

70210Activities of head offices; management consultancy activities

73300Public relations and communication consultancy

82100Office administrative and support services

82110Office administrative, office support and other business support activities

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.