GISWHAT
ActiveGISWHAT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113k and a net result of €51k. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 32% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very 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
Profitability90=
Solvency62▼-38
Growth42▼-10
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 5.49 in 2024; short-term debt: 60.4% and cash: 69.1% of total assets), but 62.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 62
Relative position
BE, all sectors
reference
Sector 62
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
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
37.5%
Return on assets
16.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 07-01-2026, 24 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
24 d early
2024
23 d early
2023
21 d early
2022
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€113k▼ 48.0%
2024 · €217k
2022: €113k
2023: €171k
2024: €217k
2022 → 2025
Total assets
€302k▲ 9.4%
2024 · €276k
2022: €192k
2023: €242k
2024: €276k
2022 → 2025
Net result
€51k▲ 10.1%
2024 · €46k
2022: €106k
2023: €58k
2024: €46k
2022 → 2025
Working capital
€95k▼ 51.9%
2024 · €199k
2022: €102k
2023: €151k
2024: €199k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€113k-€171k▲ 51.4%€217k▲ 27.0%€113k▼ 48.0%
Operating result€149k-€75k▼ 50.0%€61k▼ 18.7%€67k▲ 9.8%
Net result€106k-€58k▼ 45.0%€46k▼ 20.6%€51k▲ 10.1%
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 10% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €302k
Fixed assets
€24k▼ 26.6%
Current assets
€278k▲ 14.3%
Equity and liabilities €302k
Equity
€113k▼ 48.0%
Debt
€189k▲ 223%
The debt ratio rises from 21.2% to 62.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€78k▲
2024 · €72k
Cash flow
€62k▲
2024 · €57k
Solvency
37.5%▼
2024 · 78.8%
Current ratio
1.52▼
2024 · 5.49
Quick ratio
1.52▼
2024 · 5.49
Debt / equity
1.67▲
2024 · 0.27
ROE
44.9%▲
2024 · 21.2%
ROA
16.8%▲
2024 · 16.7%
Interest coverage
37.13▲
2024 · 30.34
Debt
€189k▲
2024 · €58k
Debt ≤ 1 year
€182k▲
2024 · €44k
Debt > 1 year
€7k▼
2024 · €14k
Income taxes
€14k▲
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€276k€302k▲
Fixed assets21/28€33k€24k▼
Tangible fixed assets22/27€33k€24k▼
Plant, machinery and equipment23€10k€10k▼
Furniture and vehicles24€22k€14k▼
Current assets29/58€243k€278k▲
Amounts receivable after more than one year29€36k€36k=
Trade receivables290€36k€36k=
Amounts receivable within one year40/41€34k€32k▼
Trade receivables40€32k€31k▼
Other amounts receivable41€2k€890▼
Cash at bank and in hand54/58€173k€209k▲
Deferred charges and accrued income490/1-€790
Equity and liabilities
Total equity and liabilities10/49€276k€302k▲
Equity10/15€217k€113k▼
Contributions10/11€8k€8k=
Reserves13€210k€106k▼
Distributable reserves133€210k€106k▼
Amounts payable17/49€58k€189k▲
Amounts payable after more than one year17€14k€7k▼
Financial debts170/4€14k€7k▼
Amounts payable within one year42/48€44k€182k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€5k€871▼
Suppliers440/4€5k€871▼
Taxes, remuneration and social security45€8k€24k▲
Taxes450/3€8k€24k▲
Other amounts payable47/48€23k€150k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€657€639▼
Gross operating margin9900€73k€79k▲
Operating profit (loss)9901€61k€67k▲
Financial income75/76B€317€317=
Recurring financial income75€317€317=
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€59k€65k▲
Income taxes67/77€13k€14k▲
Profit (loss) for the period9904€46k€51k▲
Profit (loss) for the period to be appropriated9905€46k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€46k€51k▲
Transfer from equity791/2-€104k
Transfer to equity691/2€46k-
To other reserves6921€46k-
Profit to be distributed694/7-€155k
Return on contributions (dividend)694-€155k
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
07-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €46k ▼20.6%
Net result drops to €46k, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €200kEq €217k ▲27%
3 profitable years in a row build equity to €217k.
10-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €150kEq €171k ▲51.4%
2 profitable years in a row build equity to €171k.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Berlare · 1 establishment unit since 2020
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.
Emiel Hertecantlaan(B) 99290 BerlareGround area
284 m²
Building footprint
197 m²
Volume, LiDAR
1,148 m³
Parcel 42003C0401/00G011, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GISWHAT
since 20202.309.933.749
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42003C0401/00G011 | Flanders | 284 m² | 1 · 197 m² | 10.7 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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NAMATIS
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BE A PROJECT
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CYBER-WEB.BE
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Of 16,869 companies in sector 62100 we hold annual accounts for 8,779. 6,957 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-11-2020
Fiscal year end30-06
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62200Computer consultancy and computer facilities management
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.