GIROTEX
ActiveSummary
GIROTEX has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €1k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 51% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+1
Solvency68▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.91 against 2.36 in 2024; short-term debt: 34.6% and cash: 32.2% of total assets), but 56.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
43.1%
Return on assets
2.7%
Age of the figures
9 mo
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 22-05-2026, 70 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
70 d early
2024
69 d early
2023
71 d early
2022
67 d early
2021
75 d early
2020
60 d early
2019
59 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 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, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€1k▲ 79.7%
2024 · €675
2018: €4k
2019: €-34
2020: €-239
2021: €1k
2022: €799
2023: €4k
2024: €675
2018 → 2025
Working capital
€14k▲ 15.9%
2024 · €12k
2018: €11k
2019: €11k
2020: €11k
2021: €12k
2022: €13k
2023: €-8k
2024: €12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€13k▲ 6.4%€17k▲ 29.4%€18k▲ 3.9%€19k▲ 6.8%
Operating result€2k-€1k▼ 11.4%€5k▲ 267%€2k▼ 64.2%€3k▲ 32.3%
Net result€1k-€799▼ 30.0%€4k▲ 387%€675▼ 82.6%€1k▲ 79.7%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 32% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €44k
Fixed assets
€15k ▼ 25.5%
Current assets
€29k ▲ 40.3%
Equity and liabilities €44k
Equity
€19k ▲ 6.8%
Debt
€25k ▲ 8.7%
Debt's share of the balance-sheet total rises from 56.5% to 56.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€8k▲
2024 · €7k
Cash flow
€6k▲
2024 · €6k
Current ratio
1.91▼
2024 · 2.36
Quick ratio
1.81▼
2024 · 2.16
Debt to equity
1.32▲
2024 · 1.30
ROE
6.4%▲
2024 · 3.8%
ROA
2.7%▲
2024 · 1.7%
Interest coverage
9.69▲
2024 · 7.18
Debt ≤ 1 year
€15k▲
2024 · €9k
Debt > 1 year
€10k▼
2024 · €14k
Income taxes
€509▲
2024 · €243
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€41k€44k▲
Fixed assets21/28€20k€15k▼
Tangible fixed assets22/27€20k€15k▼
Furniture and vehicles24€20k€15k▼
Financial fixed assets28€61€61=
Current assets29/58€21k€29k▲
Stocks and contracts in progress3€2k€2k▼
Stocks30/36€2k€2k▼
Amounts receivable within one year40/41€9k€13k▲
Trade receivables40€9k€13k▲
Cash at bank and in hand54/58€10k€14k▲
Equity and liabilities
Total equity and liabilities10/49€41k€44k▲
Equity10/15€18k€19k▲
Contributions10/11€19k€19k=
Reserves13-€410
Distributable reserves133-€410
Profit (loss) carried forward14€-803-
Amounts payable17/49€23k€25k▲
Amounts payable after more than one year17€14k€10k▼
Financial debts170/4€14k€10k▼
Amounts payable within one year42/48€9k€15k▲
Current portion of amounts payable after more than one year42€4k€4k▲
Trade debts44€599€7k▲
Suppliers440/4€599€7k▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€1k€2k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€1k€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€387€584▲
Gross operating margin9900€7k€8k▲
Operating profit (loss)9901€2k€3k▲
Financial charges65/66B€980€790▼
Recurring financial charges65€980€790▼
Profit (loss) for the period before taxes9903€918€2k▲
Income taxes67/77€243€509▲
Profit (loss) for the period9904€675€1k▲
Profit (loss) for the period to be appropriated9905€675€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€410▲
Profit (loss) brought forward from the previous period14P€-3k€-803▲
Transfer from equity791/2€2k-
Transfer to equity691/2-€410
To other reserves6921-€410
The notes to these accounts (6 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
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 2.36
Current ratio from 0.72 to 2.36; short-term debt falls from €30k to €9k.
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-239
Net result drops to €-239, the lowest in the series; recovery starts the following year.
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 11.46
Current ratio from 3.30 to 11.46; short-term debt falls from €5k to €1k.
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
15-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
23-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Ukkel · 1 establishment unit since 1994
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.
Dolezlaan 5201180 UkkelGround area
785 m²
Building footprint
263 m²
Volume, LiDAR
2,519 m³
2 parcels, Brussels · tallest building 16.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Hamstraat 97, 1180 Ukkel
since 19942.065.748.523
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614F0400/00H005 | Brussels | 498 m² | 1 · 132 m² | 10.6 m · 3 fl. |
| 21612D0430/00Y002 | Brussels | 287 m² | 1 · 131 m² | 16.9 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
De Wilde Wingerd
BE 0446.718.355
Maldegem · Eq €19,038
BORA HOME
BE 0751.867.586
Anderlecht · Eq €18,954
Future Business
BE 0628.822.888
Schilde · Eq €18,944
KEW
BE 0846.244.034
Dendermonde · Eq €19,078
DRD FASHION
BE 0545.887.789
Bekkevoort · Eq €19,241
Of 1,275 companies in sector 46160 we hold annual accounts for 685. 446 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
Founded08-02-1994
Fiscal year end31-12
Activities, NACEBEL 2025
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
43320Joinery installation
43332Laying of wooden floor and wall coverings
43350Other building finishing work
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.