GIROCO
ActiveGIROCO has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €-8k. Its solvency ranks better than 18% of 8592 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
2
/ 100
Critical▼ -41 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency9▼-6
Growth32
Stability94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.37 against 0.35 in 2024), and 86.3% 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
lowers risk · 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 →
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 · 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
13.7%
Return on assets
-4.9%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 8592 sector peers (2025).
NBB · sector comparisonPosition among 8592 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
4 d early
2024
45 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€21k▼ 26.4%
2024 · €29k
2024: €29k
2024 → 2025
Total assets
€154k▲ 10.8%
2024 · €139k
2024: €139k
2024 → 2025
Net result
€-8k
2024 · €26k
2024: €26k
2024 → 2025
Working capital
€-84k▼ 16.9%
2024 · €-72k
2024: €-72k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€29k-€21k▼ 26.4%
Operating result€39k-€-6k
Net result€26k-€-8k
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 turns negative in 2025: a loss of €6k after €39k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €154k
Fixed assets
€105k▲ 4.7%
Current assets
€49k▲ 26.6%
Equity and liabilities €154k
Equity
€21k▼ 26.4%
Debt
€133k▲ 20.5%
The debt ratio rises from 79.4% to 86.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-6k▼
2024 · €40k
Cash flow
€-7k▼
2024 · €26k
Solvency
13.7%▼
2024 · 20.6%
Current ratio
0.37▲
2024 · 0.35
Quick ratio
0.37▲
2024 · 0.35
Debt / equity
6.30▲
2024 · 3.85
ROE
-35.8%▼
2024 · 89.6%
ROA
-4.9%▼
2024 · 18.5%
Interest coverage
-12.80▼
2024 · 44.23
Debt
€133k▲
2024 · €111k
Debt ≤ 1 year
€133k▲
2024 · €111k
Income taxes
€691▼
2024 · €13k
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€139k€154k▲
Fixed assets21/28€101k€105k▲
Tangible fixed assets22/27€534€5k▲
Land and buildings22-€5k
Furniture and vehicles24€534€209▼
Financial fixed assets28€100k€100k=
Current assets29/58€39k€49k▲
Amounts receivable within one year40/41€2k€4k▲
Trade receivables40-€3k
Other amounts receivable41€2k€337▼
Cash at bank and in hand54/58€18k€27k▲
Deferred charges and accrued income490/1€19k€19k▲
Equity and liabilities
Total equity and liabilities10/49€139k€154k▲
Equity10/15€29k€21k▼
Contributions10/11€3k€3k=
Reserves13€26k€26k=
Distributable reserves133€26k€26k=
Profit (loss) carried forward14-€-8k
Amounts payable17/49€111k€133k▲
Amounts payable within one year42/48€111k€133k▲
Current portion of amounts payable after more than one year42€10k€0▼
Trade debts44€19€13k▲
Suppliers440/4€19€13k▲
Taxes, remuneration and social security45€17k€14k▼
Taxes450/3€14k€14k▼
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€83k€106k▲
Accrued charges and deferred income492/3-€181
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€440€365▼
Other operating charges640/8€666€131▼
Gross operating margin9900€41k€-6k▼
Operating profit (loss)9901€39k€-6k▼
Financial income75/76B€57€0▼
Recurring financial income75€57€0▼
Financial charges65/66B€902€472▼
Recurring financial charges65€902€472▼
Profit (loss) for the period before taxes9903€39k€-7k▼
Income taxes67/77€13k€691▼
Profit (loss) for the period9904€26k€-8k▼
Profit (loss) for the period to be appropriated9905€26k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€-8k▼
Transfer to equity691/2€26k€0▼
To contributions691-€0
To other reserves6921€26k-
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (9 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Nieuwerkerken (Limb.) · 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.
Schansstraat 2273850 Nieuwerkerken (Limb.)Ground area
4,268 m²
Building footprint
130 m²
Volume, LiDAR
950 m³
Parcel 71060B0147/00H000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GIROCO
since 20232.350.272.683
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71060B0147/00H000 | Flanders | 4,268 m² | 1 · 130 m² | 10.4 m · 2 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.
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H.N. TECH
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,386. 31,063 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-08-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.