GIRONI
ActiveSummary
GIRONI has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €103k and a net result of €40k. Equity is growing by ~19.4% per year across the filed fiscal years. Its solvency ranks better than 31% of 348 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+25
Solvency51▲+3
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity tight (current ratio 1.3 against 1.54 in 2024; short-term debt: 62.3% and cash: 0.2% of total assets), and 74.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 23
Relative position
BE, all sectors
reference
Sector 23
lower
← 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
25.8%
Return on assets
10%
Age of the figures
12 mo
raises risk · Filed more than 90 days late
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-07-2026, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
92 d late
2024
457 d late
2023
1 d early
2022
30 d early
2021
2 d late
2020
2 d early
2019
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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 monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€103k▲ 63.3%
2024 · €63k
2018: €15k
2019: €26k
2020: €28k
2021: €43k
2022: €47k
2023: €54k
2024: €63k
2018 → 2025
Total assets
€402k▲ 48.7%
2024 · €270k
2018: €508k
2019: €157k
2020: €187k
2021: €176k
2022: €200k
2023: €276k
2024: €270k
2018 → 2025
Net result
€40k▲ 319%
2024 · €10k
2018: €10k
2019: €11k
2020: €2k
2021: €15k
2022: €4k
2023: €7k
2024: €10k
2018 → 2025
Working capital
€74k▼ 14.7%
2024 · €87k
2018: €21k
2019: €73k
2020: €90k
2021: €72k
2022: €49k
2023: €80k
2024: €87k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€47k▲ 8.8%€54k▲ 15.0%€63k▲ 17.8%€103k▲ 63.3%
Operating result€28k-€15k▼ 45.8%€16k▲ 6.1%€20k▲ 25.8%€64k▲ 215%
Net result€15k-€4k▼ 75.4%€7k▲ 86.5%€10k▲ 36.2%€40k▲ 319%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 215% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €402k
Fixed assets
€77k ▲ 239%
Current assets
€325k ▲ 31.3%
Equity and liabilities €402k
Equity
€103k ▲ 63.3%
Debt
€298k ▲ 44.2%
Debt's share of the balance-sheet total falls from 76.6% to 74.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€72k▲
2024 · €28k
Cash flow
€48k▲
2024 · €18k
Current ratio
1.30▼
2024 · 1.54
Quick ratio
1.14▼
2024 · 1.30
Debt to equity
2.88▼
2024 · 3.26
ROE
38.8%▲
2024 · 15.1%
ROA
10.0%▲
2024 · 3.5%
Interest coverage
8.89▲
2024 · 3.94
Debt ≤ 1 year
€250k▲
2024 · €160k
Debt > 1 year
€48k▲
2024 · €47k
Income taxes
€16k▲
2024 · €3k
Staff costs
€15k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€270k€402k▲
Fixed assets21/28€23k€77k▲
Tangible fixed assets22/27€21k€74k▲
Plant, machinery and equipment23€21k€68k▲
Furniture and vehicles24-€6k
Financial fixed assets28€2k€3k▲
Current assets29/58€247k€325k▲
Stocks and contracts in progress3€40k€40k=
Stocks30/36€40k€40k=
Amounts receivable within one year40/41€196k€274k▲
Trade receivables40€163k€214k▲
Other amounts receivable41€34k€60k▲
Cash at bank and in hand54/58€948€933▼
Deferred charges and accrued income490/1€10k€10k▼
Equity and liabilities
Total equity and liabilities10/49€270k€402k▲
Equity10/15€63k€103k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€43k€83k▲
Amounts payable17/49€207k€298k▲
Amounts payable after more than one year17€47k€48k▲
Financial debts170/4€47k€48k▲
Amounts payable within one year42/48€160k€250k▲
Current portion of amounts payable after more than one year42€11k€5k▼
Financial debts43€21k€20k▼
Credit institutions430/8€21k€20k▼
Trade debts44€59k€112k▲
Suppliers440/4€59k€112k▲
Advances received on contracts in progress46€53k€87k▲
Taxes, remuneration and social security45€5k€17k▲
Taxes450/3€5k€17k▲
Other amounts payable47/48€11k€11k=
Income statement
Code20242025
Non-recurring operating income76A€6k-
Remuneration, social security and pensions62-€15k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€31k€91k▲
Operating profit (loss)9901€20k€64k▲
Financial income75/76B€35€855▲
Recurring financial income75€35€855▲
Financial charges65/66B€8k€8k▲
Recurring financial charges65€7k€8k▲
Non-recurring financial charges66B€638€250▼
Profit (loss) for the period before taxes9903€12k€56k▲
Income taxes67/77€3k€16k▲
Profit (loss) for the period9904€10k€40k▲
Profit (loss) for the period to be appropriated9905€10k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€43k€83k▲
Profit (loss) brought forward from the previous period14P€33k€43k▲
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 92 days late
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 457 days late
2025
30-09
Financial
Highest result since 2018net €40k ▲319%
Net result €40k, the highest in the series.
30-09
Financial
Equity above €100kEq €103k ▲63.3%
8 profitable years in a row build equity to €103k.
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €2k ▼81.4%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
09-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 132 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Hélécine · 1 establishment unit since 2010
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.
Rue des Charrons, Neerh. 71357 HélécineGround area
1,543 m²
Building footprint
116 m²
Volume, LiDAR
875 m³
Parcel 25069A0524/00G000, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GIRONI
since 20102.193.459.218
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25069A0524/00G000 | Wallonia | 1,543 m² | 1 · 116 m² | 10.4 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
A & B GRANIET
BE 0894.967.827
Tessenderlo-Ham · Eq €103,035
STEENHOUWERIJ MATTHYS
BE 0478.583.350
Geraardsbergen · Eq €102,782
Calcaire de Vinalmont
BE 0633.658.339
Sprimont · Eq €105,482
NAUWELAERTS
BE 0424.473.384
Putte · Eq €101,101
CLAES
BE 0436.071.616
Nijlen · Eq €106,144
Of 738 companies in sector 23700 we hold annual accounts for 490. 399 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
Founded07-05-2010
Fiscal year end30-09
Activities, NACEBEL 2025
23700Cutting, shaping and finishing of stone
43331Floor and wall tiling
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.