GISO.SERVICES
ActiveGISO.SERVICES has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115k and a net result of €5k. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 37% of 1199 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▼-6
Solvency56=
Growth55=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.99 against 2.23 in 2024; short-term debt: 17.7% and cash: 17.6% of total assets), but 68.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 81
Relative position
BE, all sectors
reference
Sector 81
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
31.3%
Return on assets
1.4%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 10 filingsDeviation from the deadline
2025
17 d late
2024
1 d late
2023
22 d late
2022
31 d late
2021
96 d late
2020
31 d late
2019
45 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€300k▲ 3.5%
2021 · €290k
2018: €217k
2019: €160k
2020: €240k
2021: €290k
2018 → 2022
EBIT margin
18.2%▼ 11.0pp
2021 · 29.2%
2018: 5.9%
2019: 14.5%
2020: 27.7%
2021: 29.2%
2018 → 2022
Net result
€5k▼ 10.5%
2024 · €6k
2018: €7k
2019: €15k
2020: €28k
2021: €56k
2022: €36k
2023: €11k
2024: €6k
2018 → 2025
Working capital
€64k▲ 3.3%
2024 · €62k
2018: €52k
2019: €50k
2020: €74k
2021: €103k
2022: €116k
2023: €100k
2024: €62k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€290k-€300k▲ 3.5%
Equity€130k-€142k▲ 9.3%€124k▼ 12.1%€113k▼ 8.9%€115k▲ 1.6%
Operating result€85k-€55k▼ 35.4%€28k▼ 49.0%€29k▲ 5.7%€20k▼ 30.9%
Net result€56k-€36k▼ 36.4%€11k▼ 68.0%€6k▼ 47.8%€5k▼ 10.5%
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 falls in 2025; 2025 is 31% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €368k
Fixed assets
€239k▼ 6.8%
Current assets
€130k▲ 14.9%
Equity and liabilities €368k
Equity
€115k▲ 1.6%
Debt
€253k▼ 0.9%
The debt ratio falls from 69.3% to 68.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€61k▲
2024 · €51k
Cash flow
€46k▲
2024 · €28k
Solvency
31.3%▲
2024 · 30.7%
Current ratio
1.99▼
2024 · 2.23
Quick ratio
1.99▼
2024 · 2.23
Debt / equity
2.20▼
2024 · 2.25
ROE
4.6%▼
2024 · 5.2%
ROA
1.4%▼
2024 · 1.6%
Interest coverage
5.10▼
2024 · 5.79
Debt
€253k▼
2024 · €256k
Debt ≤ 1 year
€65k▲
2024 · €51k
Debt > 1 year
€188k▼
2024 · €205k
Income taxes
€5k▼
2024 · €6k
Staff costs
€143k▲
2024 · €137k
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€369k€368k▼
Fixed assets21/28€256k€239k▼
Intangible fixed assets21€14k€15k▲
Tangible fixed assets22/27€242k€224k▼
Land and buildings22€213k€202k▼
Plant, machinery and equipment23€6k€10k▲
Furniture and vehicles24€23k€12k▼
Financial fixed assets28€910€0▼
Current assets29/58€113k€130k▲
Amounts receivable within one year40/41€64k€64k▼
Trade receivables40€36k€33k▼
Other amounts receivable41€28k€31k▲
Cash at bank and in hand54/58€49k€65k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€369k€368k▼
Equity10/15€113k€115k▲
Contributions10/11€1k€1k▲
Capital10€1k€1k=
Issued capital100€1k€1k=
Outside capital11-€125
Other1109/19-€125
Reserves13€11k€11k▼
Non-distributable reserves130/1€125€11k▲
Legal reserve130€125-
Other1319-€11k
Distributable reserves133€11k-
Profit (loss) carried forward14€101k€103k▲
Amounts payable17/49€256k€253k▼
Amounts payable after more than one year17€205k€188k▼
Financial debts170/4€205k€188k▼
Amounts payable within one year42/48€51k€65k▲
Current portion of amounts payable after more than one year42€23k€25k▲
Trade debts44€10k€17k▲
Suppliers440/4€10k€17k▲
Taxes, remuneration and social security45€18k€23k▲
Taxes450/3€10k€12k▲
Remuneration and social security454/9€8k€11k▲
Accrued charges and deferred income492/3€355-
Income statement
Code20242025
Remuneration, social security and pensions62€137k€143k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€41k▲
Other operating charges640/8€916€746▼
Non-recurring operating charges66A€43€900▲
Gross operating margin9900€189k€206k▲
Operating profit (loss)9901€29k€20k▼
Financial income75/76B€980€1k▲
Recurring financial income75€980€1k▲
Financial charges65/66B€18k€12k▼
Recurring financial charges65€9k€12k▲
Non-recurring financial charges66B€9k-
Profit (loss) for the period before taxes9903€12k€10k▼
Income taxes67/77€6k€5k▼
Profit (loss) for the period9904€6k€5k▼
Profit (loss) for the period to be appropriated9905€6k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€118k€106k▼
Profit (loss) brought forward from the previous period14P€112k€101k▼
Profit to be distributed694/7€17k€4k▼
Return on contributions (dividend)694€17k€4k▼
The notes to these accounts (10 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 17 days late
2025
31-12
Financial
Weakest financial yearnet €5k ▼10.5%
Net result drops to €5k, the lowest in the series.
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
04-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 96 days late
2021
31-12
Financial
Highest result since 2018net €56k ▲97.5%
Operating result €85k, net result €56k, both a record.
31-12
Financial
Equity above €100kEq €130k ▲33.5%
4 profitable years in a row build equity to €130k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 days late
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Engis · 2 establishment units since 2015
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 du Maréchal Foch(ENG) 1134480 EngisGround area
951 m²
Building footprint
455 m²
Volume, LiDAR
2,292 m³
2 parcels, Wallonia · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
GISO.SERVICES
since 20152.239.704.462
GISO.SERVICES
since 20242.361.724.326
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62031A0375/00H002 | Wallonia | 814 m² | 1 · 401 m² | 7.0 m · 1 fl. |
| 62036B0146/00X006 | Wallonia | 137 m² | 1 · 54 m² | 10.5 m · 3 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.
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Of 7,010 companies in sector 81220 we hold annual accounts for 2,416. 1,987 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-02-2015
Fiscal year end31-12
Activities, NACEBEL
81220Other building cleaning and industrial cleaning
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:compta@giso-services.be