Gioia-Gennaro
ActiveThe computed 12-month bankruptcy probability of Gioia-Gennaro is 4.2% (elevated). The 2025 annual accounts show equity of €40k and a net result of €18k. Equity is growing by ~44.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 13306 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+43
Solvency85▲+12
Growth52=
Track record94
Bankruptcy probability, 12 months
4.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity tight (current ratio 1.16 against 0.28 in 2024; short-term debt: 39.8% and cash: 3% of total assets), and 39.8% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
60.2%
Return on assets
28%
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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
25 d late
2023
21 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€40k▲ 79.9%
2024 · €22k
2023: €20k
2024: €22k
2023 → 2025
Total assets
€66k▲ 43.3%
2024 · €46k
2023: €50k
2024: €46k
2023 → 2025
Net result
€18k▲ 554%
2024 · €3k
2023: €20k
2024: €3k
2023 → 2025
Working capital
€4k
2024 · €-17k
2023: €7k
2024: €-17k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€20k-€22k▲ 10.1%€40k▲ 79.9%
Operating result€27k-€7k▼ 74.9%€24k▲ 250%
Net result€20k-€3k▼ 85.6%€18k▲ 554%
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 250% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66k
Fixed assets
€35k▼ 9.6%
Current assets
€30k▲ 350%
Equity and liabilities €66k
Equity
€40k▲ 79.9%
Debt
€26k▲ 9.5%
The debt ratio falls from 52.1% to 39.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€28k▲
2024 · €10k
Cash flow
€22k▲
2024 · €6k
Solvency
60.2%▲
2024 · 47.9%
Current ratio
1.16▲
2024 · 0.28
Quick ratio
1.11▲
2024 · 0.26
Debt / equity
0.66▼
2024 · 1.09
ROE
46.5%▲
2024 · 12.8%
ROA
28.0%▲
2024 · 6.1%
Interest coverage
11.76▲
2024 · 3.65
Debt
€26k▲
2024 · €24k
Debt ≤ 1 year
€26k▲
2024 · €24k
Income taxes
€5k▲
2024 · €1k
Staff costs
€42k▼
2024 · €44k
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€46k€66k▲
Fixed assets21/28€39k€35k▼
Tangible fixed assets22/27€15k€14k▼
Plant, machinery and equipment23€2k€4k▲
Furniture and vehicles24€14k€10k▼
Financial fixed assets28€24k€22k▼
Current assets29/58€7k€30k▲
Stocks and contracts in progress3€516€1k▲
Stocks30/36€516€1k▲
Amounts receivable within one year40/41€3k€27k▲
Trade receivables40€2k€15k▲
Other amounts receivable41€206€12k▲
Cash at bank and in hand54/58€3k€2k▼
Deferred charges and accrued income490/1€642€668▲
Equity and liabilities
Total equity and liabilities10/49€46k€66k▲
Equity10/15€22k€40k▲
Contributions10/11€1k€1k=
Reserves13€19k€19k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14€2k€20k▲
Amounts payable17/49€24k€26k▲
Amounts payable within one year42/48€24k€26k▲
Trade debts44€6k€13k▲
Suppliers440/4€6k€13k▲
Taxes, remuneration and social security45€17k€13k▼
Taxes450/3€12k€7k▼
Remuneration and social security454/9€4k€6k▲
Other amounts payable47/48€2k€475▼
Income statement
Code20242025
Remuneration, social security and pensions62€44k€42k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€56k€71k▲
Operating profit (loss)9901€7k€24k▲
Financial income75/76B-€2k
Recurring financial income75-€2k
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€4k€23k▲
Income taxes67/77€1k€5k▲
Profit (loss) for the period9904€3k€18k▲
Profit (loss) for the period to be appropriated9905€3k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€20k▲
Profit (loss) brought forward from the previous period14P€2k€2k▲
Transfer to equity691/2€2k-
To other reserves6921€2k-
Profit to be distributed694/7€800€833▲
Return on contributions (dividend)694€800€833▲
The notes to these accounts (7 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 · micro schema · 31 days late
2025
31-12
Financial
Liquidity quadruplescurrent ratio 1.16
Current ratio from 0.28 to 1.16.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet €3k ▼85.6%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
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, Bernissart · 1 establishment unit since 2023
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.
Route de Mons(V.P) 407322 BernissartGround area
3,213 m²
Building footprint
553 m²
Volume, LiDAR
2,173 m³
Parcel 51522B0010/00Z007, Wallonia · tallest building 7.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Gioia-Gennaro
since 20232.347.057.827
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51522B0010/00Z007 | Wallonia | 3,213 m² | 1 · 553 m² | 7.4 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBernissart2.347.057.827
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 8,461 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-06-2023
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.