Gio & Co.
ActiveSummary
Gio & Co. has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €190k and a net result of €19k. Equity is growing by ~27.2% per year across the filed fiscal years. Its solvency ranks better than 39% of 3291 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▼-22
Solvency56▼-4
Growth52=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity short (current ratio 0.83 against 1.91 in 2024; short-term debt: 18% and cash: 0.1% of total assets), and 68.6% of the assets are financed with debt.
Credit advice 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
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
31.4%
Return on assets
3.1%
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 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
16 d late
2022
49 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€190k▲ 10.9%
2024 · €171k
2022: €49k
2023: €135k
2024: €171k
2022 → 2025
Total assets
€604k▲ 23.4%
2024 · €490k
2022: €75k
2023: €160k
2024: €490k
2022 → 2025
Net result
€19k▼ 48.3%
2024 · €36k
2022: €56k
2023: €86k
2024: €36k
2022 → 2025
Working capital
€-18k
2024 · €56k
2022: €49k
2023: €135k
2024: €56k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€49k-€135k▲ 177%€171k▲ 26.8%€190k▲ 10.9%
Operating result€69k-€111k▲ 60.0%€61k▼ 45.2%€47k▼ 22.5%
Net result€56k-€86k▲ 53.5%€36k▼ 58.0%€19k▼ 48.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 23% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €604k
Fixed assets
€514k ▲ 37.7%
Current assets
€91k ▼ 22.3%
Equity and liabilities €604k
Equity
€190k ▲ 10.9%
Debt
€414k ▲ 30.1%
Debt's share of the balance-sheet total rises from 65.0% to 68.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€71k▼
2024 · €79k
Cash flow
€42k▼
2024 · €54k
Current ratio
0.83▼
2024 · 1.91
Debt to equity
2.18▲
2024 · 1.86
ROE
9.9%▼
2024 · 21.2%
ROA
3.1%▼
2024 · 7.4%
Interest coverage
3.95▼
2024 · 7.58
Debt ≤ 1 year
€109k▲
2024 · €61k
Debt > 1 year
€305k▲
2024 · €257k
Income taxes
€11k▼
2024 · €14k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€490k€604k▲
Fixed assets21/28€373k€514k▲
Tangible fixed assets22/27€120k€261k▲
Land and buildings22€117k€243k▲
Plant, machinery and equipment23-€12k
Furniture and vehicles24€1k€918▼
Other tangible fixed assets26€3k€5k▲
Financial fixed assets28€253k€253k=
Current assets29/58€117k€91k▼
Amounts receivable within one year40/41€108k€90k▼
Trade receivables40€53k€75k▲
Other amounts receivable41€55k€15k▼
Cash at bank and in hand54/58€8k€357▼
Deferred charges and accrued income490/1€377€390▲
Equity and liabilities
Total equity and liabilities10/49€490k€604k▲
Equity10/15€171k€190k▲
Contributions10/11€2k€2k=
Reserves13€170k€188k▲
Distributable reserves133€170k€188k▲
Amounts payable17/49€318k€414k▲
Amounts payable after more than one year17€257k€305k▲
Financial debts170/4€257k€305k▲
Amounts payable within one year42/48€61k€109k▲
Current portion of amounts payable after more than one year42€35k€56k▲
Trade debts44€9k€21k▲
Suppliers440/4€9k€21k▲
Advances received on contracts in progress46-€261
Taxes, remuneration and social security45€15k€13k▼
Taxes450/3€15k€13k▼
Other amounts payable47/48€2k€18k▲
Accrued charges and deferred income492/3-€464
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€24k▲
Other operating charges640/8€788€1k▲
Gross operating margin9900€79k€72k▼
Operating profit (loss)9901€61k€47k▼
Financial income75/76B€1€263▲
Recurring financial income75€1€263▲
Financial charges65/66B€10k€18k▲
Recurring financial charges65€10k€18k▲
Profit (loss) for the period before taxes9903€50k€29k▼
Income taxes67/77€14k€11k▼
Profit (loss) for the period9904€36k€19k▼
Profit (loss) for the period to be appropriated9905€36k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€19k▼
Transfer to equity691/2€36k€19k▼
To other reserves6921€36k€19k▼
The notes to these accounts (16 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €19k ▼48.3%
Net result drops to €19k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
31-12
Financial
Equity above €150kEq €171k ▲26.8%
3 profitable years in a row build equity to €171k.
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
31-12
Financial
Highest result since 2022net €86k ▲53.5%
Operating result €111k, net result €86k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 6.42
Current ratio from 2.87 to 6.42; short-term debt falls from €26k to €25k.
31-12
Financial
Equity above €100kEq €135k ▲177%
2 profitable years in a row build equity to €135k.
18-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 49 days late
2022
05-04
State Gazette act
IncorporationAppointment: Giovanni VERKOOREN (non-statutory director) · Founding capital · Bank account4 facts ▸
State Gazette act
Incorporation
Appointment: Giovanni VERKOOREN (non-statutory director) · Founding capital · Bank account4 facts ▸
- Incorporation, 01-04-2022
- Founding capital, €1.500
- Bank account, BNP Paribas Fortis, BE65 0019 2707 9596
- Director appointment, Giovanni VERKOOREN (non-statutory director)
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2022
Giovanni VERKOOREN
CurrentNon-statutory director · since 01-04-2022
01-04-2022
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2022
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.
Koningin Astridlaan 1559000 GentGround area
62 m²
Building footprint
62 m²
Volume, LiDAR
813 m³
Parcel 44809I0698/00V004, Flanders · tallest building 15.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Gio & Co.
since 20222.329.621.977
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44809I0698/00V004 | Flanders | 62 m² | 1 · 62 m² | 15.2 m · 4 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.
Articles of association
Purpose
Het verlenen van adviezen van juridische, financiële, technische, commerciële of administratieve aard; ... Het waarnemen van alle bestuursopdrachten; ... Het verlenen van…
Full purpose
Het verlenen van adviezen van juridische, financiële, technische, commerciële of administratieve aard; ... Het waarnemen van alle bestuursopdrachten; ... Het verlenen van administratieve prestaties en computerservices; ... Het verwerven van participaties; ... Het aangaan van leningen en kredietopeningen; ... Het ontwikkelen, kopen, verkopen, in licentie nemen of geven van octrooien, knowhow en aanverwante immateriële duurzame activa; ... De aan- en verkoop, in- en uitvoer, commissiehandel en vertegenwoordiging van om het even welke goederen; ... Het onderzoek, de ontwikkeling, de vervaardiging of commercialisering van nieuwe producten; ... Het stellen van zakelijke of persoonlijke zekerheden; ... Het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerend vermogen; ... Het aanleggen, het oordeelkundig uitbouwen en beheren van een roerend vermogen.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
Capital and shareholders
Capital over the years
- 05-04-2022 Incorporation · 1,500 EUR · 100 shares
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Of 2,762 companies in sector 69109 we hold annual accounts for 1,208. 914 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
Founded01-04-2022
Fiscal year end31-12
Activities, NACEBEL 2025
69109Other legal services
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.