Ginger & Ginger
ActiveThe computed 12-month bankruptcy probability of Ginger & Ginger is 1.5% (moderate). The 2025 annual accounts show equity of €119k and a net result of €80k. Equity is growing by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 37% of 18237 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84=
Solvency44▼-8
Growth52=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.87 against 1.15 in 2024; short-term debt: 62.8% and cash: 10.2% of total assets), and 81.3% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
18.7%
Return on assets
12.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
19 d late
2024
9 d early
2023
27 d late
2022
60 d late
2021
78 d late
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€119k▲ 16.8%
2024 · €102k
2021: €90k
2022: €49k
2023: €91k
2024: €102k
2021 → 2025
Total assets
€638k▲ 69.5%
2024 · €376k
2021: €323k
2022: €340k
2023: €393k
2024: €376k
2021 → 2025
Net result
€80k▲ 71.8%
2024 · €47k
2021: €85k
2022: €-41k
2023: €92k
2024: €47k
2021 → 2025
Working capital
€-52k
2024 · €34k
2021: €-2k
2022: €-46k
2023: €7k
2024: €34k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€90k-€49k▼ 45.0%€91k▲ 83.8%€102k▲ 12.4%€119k▲ 16.8%
Operating result€117k-€-37k€106k€59k▼ 44.4%€100k▲ 69.3%
Net result€85k-€-41k€92k€47k▼ 49.2%€80k▲ 71.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 69% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €638k
Fixed assets
€289k▲ 168%
Current assets
€349k▲ 29.9%
Equity and liabilities €638k
Equity
€119k▲ 16.8%
Debt
€518k▲ 89.2%
The debt ratio rises from 72.8% to 81.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€177k▲
2024 · €116k
Cash flow
€158k▲
2024 · €104k
Solvency
18.7%▼
2024 · 27.2%
Current ratio
0.87▼
2024 · 1.15
Quick ratio
0.57▼
2024 · 0.75
Debt / equity
4.34▲
2024 · 2.68
ROE
67.2%▲
2024 · 45.7%
ROA
12.6%▲
2024 · 12.4%
Interest coverage
31.96▲
2024 · 18.76
Debt
€518k▲
2024 · €274k
Debt ≤ 1 year
€400k▲
2024 · €234k
Debt > 1 year
€118k▲
2024 · €37k
Income taxes
€14k▲
2024 · €6k
Staff costs
€245k▲
2024 · €178k
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€376k€638k▲
Fixed assets21/28€108k€289k▲
Intangible fixed assets21€15k€114k▲
Tangible fixed assets22/27€89k€170k▲
Land and buildings22€15k€10k▼
Plant, machinery and equipment23€32k€71k▲
Furniture and vehicles24€42k€89k▲
Financial fixed assets28€4k€5k▲
Current assets29/58€268k€349k▲
Stocks and contracts in progress3€93k€121k▲
Stocks30/36€93k€121k▲
Amounts receivable within one year40/41€92k€156k▲
Trade receivables40€80k€138k▲
Other amounts receivable41€12k€17k▲
Cash at bank and in hand54/58€71k€65k▼
Deferred charges and accrued income490/1€12k€7k▼
Equity and liabilities
Total equity and liabilities10/49€376k€638k▲
Equity10/15€102k€119k▲
Contributions10/11€5k€5k=
Reserves13€85k€102k▲
Distributable reserves133€85k€102k▲
Profit (loss) carried forward14€12k€12k=
Amounts payable17/49€274k€518k▲
Amounts payable after more than one year17€37k€118k▲
Financial debts170/4€37k€118k▲
Amounts payable within one year42/48€234k€400k▲
Current portion of amounts payable after more than one year42€33k€46k▲
Trade debts44€108k€224k▲
Suppliers440/4€108k€224k▲
Advances received on contracts in progress46€10k-
Taxes, remuneration and social security45€43k€60k▲
Taxes450/3€12k€19k▲
Remuneration and social security454/9€31k€42k▲
Other amounts payable47/48€41k€70k▲
Accrued charges and deferred income492/3€3k€96▼
Income statement
Code20242025
Remuneration, social security and pensions62€178k€245k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€57k€77k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€719-
Other operating charges640/8€8k€13k▲
Non-recurring operating charges66A€70€3k▲
Gross operating margin9900€303k€439k▲
Operating profit (loss)9901€59k€100k▲
Financial income75/76B€367€290▼
Recurring financial income75€367€290▼
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€53k€95k▲
Income taxes67/77€6k€14k▲
Profit (loss) for the period9904€47k€80k▲
Profit (loss) for the period to be appropriated9905€47k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€48k€92k▲
Profit (loss) brought forward from the previous period14P€949€12k▲
Transfer to equity691/2-€17k
To other reserves6921-€17k
Profit to be distributed694/7€35k€63k▲
Directors or managers695€35k€63k▲
The notes to these accounts (14 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
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €102k ▲12.4%
2 profitable years in a row build equity to €102k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Back to profitnet €92k
Net result €92k after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Weakest financial yearnet €-41k ▼148%
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Lier · 1 establishment unit since 2020
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.
Vakenderveld 5.52500 LierGround area
1.0 ha
Building footprint
210 m²
Volume, LiDAR
7 m³
Parcel 12392A1003/00M000, Flanders · tallest building 0.4 m. Linked by address, not a title deed.
1 establishment unit
Ginger & Ginger
since 20202.306.903.290
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392A1003/00M000 | Flanders | 1.0 ha | 1 · 210 m² | 0.4 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 20,240 EUR awarded · 18,140 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 6,600 EUR | 4,500 EUR |
| 2024 | 2 | 2,657 EUR | 2,657 EUR |
| 2023 | 2 | 10,720 EUR | 10,720 EUR |
| 2022 | 1 | 263 EUR | 263 EUR |
Schemes
Subsidies voor internationaal ondernemen
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteLier2.306.903.290
Similar companies · same sector, comparable size
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HET TOLHUIS
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ROOMER
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DFMH
BE 0784.505.712
Courcelles · Eq €116k
Of 1,508 companies in sector 47252 we hold annual accounts for 651. 505 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-08-2020
Fiscal year end31-12
Activities, NACEBEL
11070Manufacture of beverages
47252Retail sale of beverages, general range
11010Manufacture of beverages
11040Manufacture of beverages
46349Wholesale of beverages, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.